The characteristic of matching principal and interest is that the monthly repayment amount remains unchanged during the whole repayment period. Lenders can accurately grasp the monthly repayment amount and arrange family expenses in a planned way.

The average capital is characterized by sharing the principal evenly throughout the repayment period and calculating the interest on a daily basis according to the loan principal balance. The monthly repayment amount decreases gradually, but the repayment rate remains unchanged. This method is more suitable for borrowers who have strong repayment ability at the initial stage and want to return a large amount at the initial stage of repayment to reduce interest expenses.

The repayment method of individual housing loan is not fixed. If there is a plan to repay in advance, it is more cost-effective to use average capital.