Advantages are: fixed repayment, easy calculation and good planning.

Disadvantages: high interest.

The difference repayment method is also called the diminishing repayment method, that is, the monthly principal is different, and the interest is naturally less. It recalculates the repayment amount every month. In fact, after deducting the money from last month, the money paid next month is less than that from last month, so the principal is less and the interest is correspondingly less. However, this repayment method has a relatively high repayment amount at the beginning.

You should use the equal principal and interest method.