Hello! If only from the perspective of interest expenditure, the interest of the equal principal and interest repayment method is higher than that of the average capital repayment method. Therefore, in view of reducing interest expenses, the average capital repayment method can be selected for repayment.

And the repayment method of average capital, the monthly repayment amount in the early stage is large, and the pressure is great. If the monthly repayment pressure is not considered, the average repayment method can be adopted. If you have a good investment project, the income is higher than the loan interest rate, and the income is certain and the risk is controllable, you can choose the loan term as long as possible to improve the capital income;

In addition, consider your financial arrangements. For example, is there any possibility of emergency expenditure and so on.

The above suggestions are for reference. I suggest you consult a financial planner and work out an investment method that suits you.

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