The commercial loan is RMB 800,000 and the monthly household income is RMB 16,000. Which method of equal principal and interest or equal principal is more appropriate? How many years is the loan? It's urgent, thank you

I am talking about the first house, the interest rate is reduced by 15%, and the loan is for 20 years.

Equal principal and interest

Average monthly repayment: 6,001

Total repayment: 1,440,444

Interest paid: 640,444

< p>Equal principal amount

Total repayment: 1328513

Interest paid: 528513

Average monthly repayment; January, 7719.33 (yuan)

February, 7701.06 (yuan)

March, 7682.78 (yuan)

April, 7664.51 (yuan)

May, 7646.23 (yuan)

June, 7627.96 (yuan)

July, 7609.68 (yuan)

August, 7591.41 (yuan)

< p>September, 7573.13 (yuan)

October, 7554.86 (yuan)

November, 7536.58 (yuan)

December, 7518.31 (yuan) )

In 13 months, 7500.03 (yuan)

14 months, 7481.76 (yuan)

15 months, 7463.48 (yuan)

16 months, 7445.21 (yuan)

17 months, 7426.93 (yuan)

18 months, 7408.66 (yuan)

19 months, 7390.38 (yuan)< /p>

20 months, 7372.11 (yuan)

21 months, 7353.83 (yuan)

22 months, 7335.56 (yuan)

23 months , 7317.28 (yuan)

In 24 months, 7299.01 (yuan)

In 25 months, 7280.73 (yuan)

In 26 months, 7262.46 (yuan)

27 months, 7244.18 (yuan)

28 months, 7225.91 (yuan)

29 months, 7207.63 (yuan)

30 months, 7189.36 (yuan)

March 31, 7171.08 (yuan)

March 32, 7152.81 (yuan)

March 33, 7134.53 (yuan)

< p>34 months, 7116.26 (yuan)

35 months, 7097.98 (yuan)

36 months, 7079.71 (yuan)

37 months, 7061.43 (yuan) )

38 months, 7043.16 (yuan)

39 months, 7024.88 (yuan)

40 months, 7006.61 (yuan)

41 months, 6988.33 (yuan)

42 months, 6970.06 (yuan)

43 months, 6951.78 (yuan)

44 months, 6933.51 (yuan)< /p>

45 months, 6915.23 (yuan)

46 months, 6896.96 (yuan)

47 months, 6878.68 (yuan)

48 months , 6860.41 (yuan)

49 months, 6842.13 (yuan)

50 months, 6823.86 (yuan)

51 months, 6805.58 (yuan)

52 months, 6787.31 (yuan)

53 months, 6769.03 (yuan)

54 months, 6750.76 (yuan)

55 months, 6732.48 (yuan)

56 months, 6714.21 (yuan)

57 months, 6695.93 (yuan)

58 months, 6677.66 (yuan)

< p>59 months, 6659.38 (yuan)

60 months, 6641.11 (yuan)

61 months, 6622.83 (yuan)

62 months, 6604.56 (yuan) )

63 months, 6586.28 (yuan)

64 months, 6568.01 (yuan)

65 months, 6549.73 (yuan)

66 months, 6531.46 (yuan)

6

July, 6513.18 (yuan)

68, 6494.91 (yuan)

69, 6476.63 (yuan)

70, 6458.36 (yuan)< /p>

In July 2019, 6440.08 (yuan)

In July 2019, it was 6421.81 (yuan)

In July 2019, it was 6403.53 (yuan)

In July 74 , 6385.26 (yuan)

In July 2019, 6366.98 (yuan)

In July 2016, 6348.71 (yuan)

In July 2017, 6330.43 (yuan)

78 months, 6312.16 (yuan)

79 months, 6293.88 (yuan)

80 months, 6275.61 (yuan)

81 months, 6257.33 (Yuan)

In August 2019, 6239.06 (Yuan)

In August 3, 6220.78 (Yuan)

In August 2019, 6202.51 (Yuan)

< p>In 85, 6184.23 (yuan)

In 86, 6165.96 (yuan)

In 87, 6147.68 (yuan)

In 88, 6129.41 (yuan) )

In August 9, 6111.13 (yuan)

In September 90, 6092.86 (yuan)

In September 91, 6074.58 (yuan)

In September 92, 6056.31 (yuan)

In March 93, 6038.03 (yuan)

In March 94, 6019.76 (yuan)

In 95, 6001.48 (yuan)< /p>

In 1996, 5983.21 (yuan)

In 97, 5964.93 (yuan)

In 98, 5946.66 (yuan)

In 99 ,5928.38 (yuan)

In October, 5910.11 (yuan)

In October, 5891.83 (yuan)

In February, 5873.56 (yuan)

Month 103, 5855.28 (yuan)

Month 104, 5837.01 (yuan)

Month 105, 5818.73 (yuan)

Month 106, 5800.46 (yuan)

In July, 5782.18 (yuan)

In August, 5763.91 (yuan)

In September, 5745.63 (yuan)

< p>In October, 5727.36 (yuan)

In November, 5709.08 (yuan)

In December, 5690.81 (yuan)

In November, 5672.53 (yuan) )

In 114 months, 5654.26 (yuan)

115 months, 5635.98 (yuan)

116 months, 5617.71 (yuan)

117 months, 5599.43 (yuan)

118 months, 5581.16 (yuan)

119 months, 5562.88 (yuan)

120 months, 5544.61 (yuan)< /p>

121 months, 5526.33 (yuan)

122 months, 5508.06 (yuan)

123 months, 5489.78 (yuan)

124 months , 5471.51 (yuan)

125 months, 5453.23 (yuan)

126 months, 5434.96 (yuan)

127 months, 5416.68 (yuan)

128 months, 5398.41 (yuan)

129 months, 5380.13 (yuan)

130 months, 5361.86 (yuan)

131 months, 5343.58 (yuan)

132 months, 5325.31 (yuan)

133 months, 5307.03 (yuan)

134 months, 5288.76 (yuan)

< p>135 months, 5270.48 (yuan)

136 months, 5252.21 (yuan)<

/p>

137 months, 5233.93 (yuan)

138 months, 5215.66 (yuan)

139 months, 5197.38 (yuan)

140 months , 5179.11 (yuan)

141 months, 5160.83 (yuan)

142 months, 5142.56 (yuan)

143 months, 5124.28 (yuan)

144 months, 5106.01 (yuan)

145 months, 5087.73 (yuan)

146 months, 5069.46 (yuan)

147 months, 5051.18 (yuan)

148 months, 5032.91 (yuan)

149 months, 5014.63 (yuan)

150 months, 4996.36 (yuan)

< p>151 months, 4978.08 (yuan)

152 months, 4959.81 (yuan)

153 months, 4941.53 (yuan)

154 months, 4923.26 (yuan) )

155 months, 4904.98 (yuan)

156 months, 4886.71 (yuan)

157 months, 4868.43 (yuan)

158 months, 4850.16 (yuan)

159 months, 4831.88 (yuan)

160 months, 4813.61 (yuan)

161 months, 4795.33 (yuan)< /p>

162 months, 4777.06 (yuan)

163 months, 4758.78 (yuan)

164 months, 4740.51 (yuan)

165 months , 4722.23 (yuan)

166 months, 4703.96 (yuan)

167 months, 4685.68 (yuan)

168 months, 4667.41 (yuan)

169 months, 4649.13 (yuan)

170 months, 4630.86 (yuan)

171 months, 4612.58 (yuan)

172 months, 4594.31 (yuan)

173 months, 4576.03 (yuan)

174 months, 4557.76 (yuan)

175 months, 4539.48 (yuan)

< p>176 months, 4521.21 (yuan)

177 months, 4502.93 (yuan)

178 months, 4484.66 (yuan)

179 months, 4466.38 (yuan) )

180 months, 4448.11 (yuan)

181 months, 4429.83 (yuan)

182 months, 4411.56 (yuan)

183 months, 4393.28 (yuan)

184 months, 4375.01 (yuan)

185 months, 4356.73 (yuan)

186 months, 4338.46 (yuan)< /p>

187 months, 4320.18 (yuan)

188 months, 4301.91 (yuan)

189 months, 4283.63 (yuan)

190 months , 4265.36 (yuan)

In 191 months, 4247.08 (yuan)

In 192 months, 4228.81 (yuan)

In 193 months, 4210.53 (yuan)

194 months, 4192.26 (yuan)

195 months, 4173.98 (yuan)

196 months, 4155.71 (yuan)

197 months, 4137.43 (yuan)

In 198 months, 4119.16 (yuan)

In 199 months, 4100.88 (yuan)

In 200 months, 4082.61 (yuan)

< p>201 month, 4064.33 (yuan)

202 month, 4046.06 (yuan)

203 month, 4027.78 (yuan)

204 month, 4009.51 (yuan) )

<

p>In May, 3991.23 (yuan)

In June, 3972.96 (yuan)

In July, 3954.68 (yuan)

In August, 3936.41 (yuan) )

209, 3918.13 (yuan)

210, 3899.86 (yuan)

211, 3881.58 (yuan)

212 months, 3863.31 (yuan)

213 months, 3845.03 (yuan)

214 months, 3826.76 (yuan)

215 months, 3808.48 (yuan)< /p>

216 months, 3790.21 (yuan)

217 months, 3771.93 (yuan)

218 months, 3753.66 (yuan)

219 months , 3735.38 (yuan)

220 months, 3717.11 (yuan)

221 months, 3698.83 (yuan)

222 months, 3680.56 (yuan)

223 months, 3662.28 (yuan)

224 months, 3644.01 (yuan)

225 months, 3625.73 (yuan)

226 months, 3607.46 (yuan)

227 months, 3589.18 (yuan)

228 months, 3570.91 (yuan)

229 months, 3552.63 (yuan)

< p>230 months, 3534.36 (yuan)

231 months, 3516.08 (yuan)

232 months, 3497.81 (yuan)

233 months, 3479.53 (yuan) )

234 months, 3461.26 (yuan)

235 months, 3442.98 (yuan)

236 months, 3424.71 (yuan)

237 months, 3406.43 (yuan)

238 months, 3388.16 (yuan)

239 months, 3369.88 (yuan)

240 months, 3351.61 (yuan)< /p>