2. Average capital repayment method. This repayment method is the same as paying the principal every month, but the interest paid every month is gradually decreasing. To put it simply, for example, if you borrow a car of 200,000 yuan, you have to pay back 1000 in the first month, 9,600 in the second month and 9,300 in the third month ... Every month, the pressure in the early stage will be less and less, and the pressure in the later stage will be less and less, which is the biggest feature of equal principal repayment.
3. Pay interest on a monthly basis and repay the principal when due. Generally, car loans need to repay the principal and interest every month, but this way of "paying interest every month and repaying when due" is different. For example, if you take out a 600,000 car loan, it will be repaid in three years. At first, you only need to pay interest every month, so there is little pressure to repay the loan. Generally, you only need to repay the principal once a year. 4. Sub-payment method. Installment repayment is very interesting, that is, to repay your total loan in stages. For example, if you buy a car, the down payment is 25% and the loan period is 2 years. Repay 1- 1 1 3% of the total loan, and15% of the total loan in the next month of 12; 29% of the total loan will be repaid from 13-23 months, and the remaining 43% will be repaid in the 24th month.
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