Legal analysis: The borrower can freely choose the repayment method of equal principal and interest and average capital. Matching principal and interest: the principal increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged; Average capital: the principal remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases.

Legal basis: Article 19 of the Measures for the Administration of Housing Provident Fund Loans in Nanjing stipulates that if the loan term is more than one year, the principal and interest of the loan shall be repaid on schedule. The borrower can choose to repay the provident fund loan by matching the principal and interest repayment method or average capital repayment method, and deposit the principal and interest into the repayment account in advance according to the repayment date agreed in the loan contract, which will be deducted from the repayment account by the entrusted bank every month.