The average capital repayment method means that the borrower repays the principal in equal amount every month during the loan period, and the remaining principal is multiplied by the monthly interest rate (the interest amount decreases month by month) to calculate the monthly interest.
Matching (principal and interest) repayment method means that the borrower repays the loan principal and interest in equal amount every month within the loan term.
Under the condition that the national benchmark interest rate remains unchanged
Equal repayment: the total monthly repayment amount remains unchanged, which is convenient for you to remember. The principal part will increase month by month, and the interest part will decrease month by month, so the repayment pressure will be relatively small.
The total monthly contribution in the average capital decreases month by month, and the principal remains unchanged every month. At first, the repayment interest is relatively high, and the repayment pressure is relatively high, but it will save some interest than the equal repayment method (principal and interest).
Pay attention to which repayment method is suitable for you. I suggest you choose according to your own situation.