Now, if an individual wants to buy a car but doesn't have enough money, he can apply for a car loan. With more and more friends buying cars through loans, how can he repay the car loan? How to pay the car loan? At present, there are many repayment methods in the car loan market, such as matching principal and interest, average capital and so on. Matching principal and interest refers to calculating the interest generated by the monthly loan balance, and then subtracting the matching repayment from the interest payable to form the repayment principal of the current month. At the initial stage of repayment, due to the large loan balance, interest accounts for a large proportion in monthly repayment, and the repayment speed of principal is relatively slow. With the passage of time, the loan balance gradually decreases, the interest rate gradually decreases, and the principal rate gradually increases. Average capital refers to the average interest distribution of the principal during the whole repayment period, which is calculated according to the balance of the loan principal and the actual number of days occupied, and repaid with the principal month by month. The repayment interest rate of the borrower's principal remains unchanged. As time goes by, the loan balance decreases gradually, the interest payable also decreases month by month, and the monthly repayment amount decreases gradually.