The interest rate of 270,000 commercial loans is 20 years 15%. Is it better to repay the equal principal or the equal principal and interest? (Premise: I want to repay the loan in advance) Which expert can guide me? Waiting for the principal, of course.

Matching principal and interest with average capital, it should be said that both are beneficial.

Matching principal and interest: the monthly repayment is fixed, which is beneficial to personal repayment arrangement. The prepayment amount is less than the average capital, and the prepayment pressure is relatively small.

Average capital: the repayment of principal is fixed every month, and the interest paid every month is reduced, so there is great pressure to repay in advance. However, due to the relatively large repayment of principal in the early stage, the total interest is far less than the equal principal and interest, which is also conducive to early repayment.

If prepayment is affordable, it is recommended to choose the repayment method in average capital.