Generally, there are two repayment methods, equal principal and interest and average capital. Matching principal and interest means that the monthly repayment amount is the same (principal+interest), and the average capital means that the monthly repayment of principal is the same and the interest decreases month by month. Details are as follows:

Repay according to the matching principal and interest, and repay 3462438+0 yuan every month. The principal in the monthly repayment will increase month by month and the interest will decrease month by month.

Accumulated interest paid in 2003 177 15 1.78.

According to the average capital, the monthly principal is 2326.92 yuan, and the interest decreases month by month. The first month's interest 198 1.38 yuan.

In 2003, accumulated interest was paid 1 14526.94 yuan.

Generally speaking, the equal principal and interest method has less initial repayment pressure, but more accumulated interest is paid; The average capital method pays less accumulated interest in the initial stage, but the initial repayment pressure is greater, so it is suggested to choose according to your actual situation.