Depreciation and amortization can enter the cost, thus reducing the income tax payable. Because less income tax is paid, the cash outflow is reduced, which is commonly called depreciation tax deduction.

Apply to the bank to repay the loan in advance, and ensure that the loan will not be overdue last month, and the loan will be returned that month; Pay off all or part of the loan in one lump sum according to the date stipulated by the bank.

In the case of the same loan term, amount and interest rate, at the initial stage of repayment, the monthly repayment amount of average capital repayment method is greater than the equal principal and interest. However, according to the whole repayment period, average capital's repayment method will save the expenditure of loan interest.

Generally speaking, the repayment method of equal principal is suitable for borrowers who have a certain economic foundation, can bear heavy repayment pressure in the early stage and have an early repayment plan. Matching principal and interest repayment method is convenient to arrange income and expenditure because the monthly repayment amount is the same, and it is suitable for borrowers whose income is relatively stable because economic conditions do not allow early repayment and excessive investment.

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