The difference between the two repayment methods is that the principal in each repayment amount is different in the repayment method of equal principal and interest, and the repayment amount in the early stage is small, and the total monthly principal and interest is equal. Because the repayment speed of principal is relatively slow, this repayment method takes a long time, and the total interest of repayment is higher than the average capital repayment method of the same period. The average capital repayment method has the same principal in each repayment amount during the whole repayment period, and the repayment interest decreases month by month; The total amount of principal and interest decreases month by month. This repayment method has great pressure on prepayment, and is suitable for people with higher income or who want to prepay.

You have a prepayment plan, so it is more appropriate to choose average capital.