Matching principal and interest: monthly principal repayment increases month by month, and interest repayment decreases month by month. The monthly repayment is fixed, which is conducive to personal repayment arrangements. The early repayment amount is less than the average capital, and the early repayment pressure is relatively small.

Average capital: The principal repaid every month is fixed, and the interest paid every month is reduced, which brings great pressure to early repayment. However, due to the relatively large repayment of principal in the early stage, the total interest is much less than the equal principal and interest, which is also conducive to early repayment.

If prepayment is affordable, it is recommended to choose the repayment method in average capital.