In the average capital, the initial repayment amount is higher, decreasing month by month, and the total interest is slightly less;

Matching principal and interest, the same monthly repayment amount, and more total interest.

Suggestion: Repay the principal 1.500 yuan every month and borrow 14 years. A total of 252,000 yuan

The problem is that the amount and duration of the loan are related to your age, income, personal credit, the operation of the local provident fund and other factors, and you can't decide it unilaterally.