① Matching principal and interest usually refers to the total amount of the borrower's principal and the total interest generated. In each repayment month, the borrower's monthly payment is the same, but the difference is that the loan interest in the early repayment period accounts for a larger proportion of the monthly payment, while the principal is smaller. In addition, with the user's monthly repayment, the interest ratio in the monthly payment will be less and less, and the principal will be more and more.
② The average capital divides the total loan amount into equal parts during the repayment period, and repays the principal and the interest generated by the remaining loan every month.
In the early days of average capital, there was a lot of interest and a high monthly supply. In the case of user repayment, the monthly repayment principal remains unchanged, but the repayment interest will decrease with the decrease of loan principal.
For example, the repayment period of a loan of 654.38+100,000 yuan is 30 years, and the equal principal and interest are repaid at 5,899 yuan per month. The principal in the first month is 7,652.77 yuan, and then it will decrease month by month. Judging from the total interest paid, the interest paid by these two repayment methods is equal principal and interest >; Average capital.
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