Hello, the common repayment methods of personal loans generally include: matching (principal and interest) repayment method, average capital repayment method, repayment method of principal and interest at maturity (for loans within one year), etc. Different loans can choose different repayment methods. Please confirm your repayment method with the loan handling bank when applying for a loan.

average capital repayment method means to repay the principal in equal amount every month during the loan period, and the interest is calculated by multiplying the remaining principal by the monthly interest rate every month. (that is, the monthly repayment principal remains unchanged and the interest decreases month by month, so the total repayment amount decreases month by month).

loan repayment with equal principal and interest means that the borrower repays the loan principal and interest in equal amount every month during the loan period (that is, the total monthly payment is the same, in which the principal part increases month by month and the interest part decreases month by month).