One is the average capital repayment method: the borrower repays the same amount of loan principal every month, and the interest decreases month by month with the principal, and the monthly repayment amount also decreases month by month, so it is also called the diminishing method.

One is equal repayment of principal and interest: according to the loan term, the principal and interest of the loan are divided into several equal parts, and the monthly repayment amount is equal, so it is also called equal repayment method.

Total interest: equal principal repayment

I don't know what kind of repayment method it is, but no matter what kind of repayment method it is, it can't exceed one month. This will not happen unless Yinde's loan interest rate is rising every month.