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Why is the monthly repayment amount unchanged in these two years? It will be reduced before! Postal savings bank.
I suggest you contact the loan bank to see if the repayment method has changed.

The repayment method in the average capital is to divide your loan principal into equal parts within the loan period, and the loan principal returned every month is the same. Because the monthly repayment interest is calculated according to the loan principal, the repayment method in the average capital requires the customer's repayment ability at first, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and the repayment pressure will be relatively smaller and smaller.