It's different. Some of them are average, that is, the monthly repayment amount of 15 is the same, and a certain amount of money has been paid from beginning to end. Some are decreasing, that is, the monthly repayment is getting less and less. For example, it was 4,500 at the beginning, and in the last month of 15, it was only a few tens of yuan.

If you know the insiders of China Bank, there is no discount, and the interest rate is implemented in accordance with national regulations.