Hello, the choice of repayment method actually depends on your actual situation. According to the actual situation of different customers, the appropriate repayment methods are different. By comparing the monthly payment and final repayment interest of the two repayment methods, that is, the equal repayment method fixes the monthly payment amount in advance under the condition of unchanged interest rate, which is convenient for you to remember. The repayment method in average capital is to divide your loan principal into equal parts within the loan term, 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 the beginning, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and relatively speaking, the repayment pressure will become smaller and smaller. At the same time, under the condition that the interest rate and other conditions remain unchanged, the interest paid by equal repayment method will be higher than that paid by average capital repayment method.