Under normal circumstances, the loan is 70,000 yuan, and the loan period does not exceed 10 year. There are three ways to subtract repayment from monthly payment: equal principal and interest method, average capital method, equal increase method and equal decrease method. 1. Equal principal and interest method: it means that the borrower repays the loan principal and interest with the same amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. 2. Average capital method: the borrower repays the same amount of loan principal every month, and the interest decreases with the principal month by month, and the monthly repayment amount also decreases month by month. The equal principal and interest method has the same monthly repayment amount, so the monthly repayment amount is the same.