1. The calculation method of monthly repayment in average capital can be referred to as follows: monthly payable principal (constant) = total loan/total repayment months, monthly payable interest (decreasing) = residual principal * monthly interest rate, monthly payable monthly payment (decreasing) = monthly payable principal+monthly payable interest.
2. If the repayment method of average capital is adopted, compared with the matching principal and interest, the repayment pressure in the early stage of this repayment method will be greater, and the total repayment interest will be lower than the matching principal and interest. ?
Extended data:
Average capital is suitable for people:
1, the average capital method is more suitable for lenders with strong repayment ability in the early stage because of the large repayment amount in the early stage and then decreasing month by month. Of course, some elderly people are also more suitable for this method, because their income may decrease with age or retirement.
2. If the loan is less than 200,000 yuan and the service life is less than 65,438+00 years, the difference between the principal method and the principal and interest method will not be too big.
3. If the loan exceeds 6.5438+0 million and the service life exceeds 20 years, it needs to be carefully considered, and the interest gap in the later period may be as high as several hundred thousand yuan.
4. The disadvantage of the average capital method is the pressure of prepayment, especially when the amount is relatively large. However, due to the monthly decline, it is more relaxed in the later period. If you have extra income to repay in advance, or use the annual provident fund to offset the loan principal, you can pay off the loan more quickly.
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