The monthly repayment amount of equal principal and interest is the same every month. Generally speaking, there is more interest, but the initial repayment pressure is small.

The repayment pressure on average capital is high, and it will be less and less in the later period. The total interest is less than the principal and interest.

You need to consider your current situation comprehensively. If you are rich now, your repayment ability may be weakened in the future. You can consider the average capital. If you are short of money now and your income is relatively stable, you can consider equal principal and interest.

I hope I can help you and wish you a happy life.