Average capital repayment method: repay the average capital every month and reduce the interest part every month. Average planned monthly repayment amount of funds = (loan principal ÷ repayment months)+(loan principal-accumulated repaid principal) × monthly interest rate.
In the actual operation process, matching principal and interest is more conducive to the borrower to master and facilitate repayment. In fact, after comparison, most borrowers still choose the method of matching principal and interest, because this method has a fixed monthly repayment amount, is easy to remember and has a balanced repayment pressure, which is actually not much different from the average capital.