7.86% interest reserve for 780,000 loans will be repaid in 20 years. What is the difference between equal principal repayment and equal principal and interest repayment? Which is cost-effective! Average capital di Hello! Assuming equal repayment of principal and interest, the annual interest rate of the loan is 7.86%, the monthly payment is 6456.44 yuan, and the total interest is 769544.58 yuan;

Assuming equal repayment of principal, the monthly repayment amount in the first month and the last month is 8,359.00 yuan and 327 1.29 yuan respectively, with a monthly decrease of about 2 1.29 yuan, and the total interest is 615,634.5 yuan;

The interest difference between them is 1539 10.08 yuan (for example, for reference, not as the basis of repayment data. Please contact the handling bank for details).

Can be calculated by personal loan calculator:/cmbwebpubinfo/cal _ loan _ per.aspx? chnl=dkjsq

Under the condition of the same loan term, loan principal and annual interest rate, the interest expense of the equal principal and interest repayment method is higher than that of the average capital repayment method;

Matching principal and interest repayment method has a fixed monthly payment, which is suitable for customers with stable income; The average capital repayment method has higher monthly payment and greater pressure in the early stage.

The above suggestions are for reference. I suggest you consult a financial planner and work out an investment method that suits you.

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