The monthly repayment of average capital is gradually decreasing. At first, it was more, and then it gradually decreased.

The calculation is as follows:

Monthly principal: 150000/360 months =4 17 yuan.

Monthly interest rate (benchmark) is 6.55%/ 12=0.55%.

First month repayment: 417+150000 * 6.55%/12 =1242 yuan.

February: 465,438+07+(65,438+050,000-465,438+07) * 6.55%/65,438+02 = 65,438+0240 (because interest is not calculated on the principal returned in the first month).

March:1260+(150000-417 * 2) * 6.55%/12 =1237.

etc

If the principal and interest are equal, it will be less. According to the benchmark interest rate, the monthly repayment is 963.75 yuan.