Calculation formula of average fund: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated repayment amount) × monthly interest rate Average fund calculation formula: monthly repayment amount = monthly principal+monthly principal = principal/repayment months = (principal-accumulated repayment amount )× monthly interest rate.
The calculation method of Average capital is that the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.