Average capital refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is less and less.

Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.

According to the principle of time value of funds, if the loan time is long and the initial repayment amount is low, the actual payment amount will be higher. It can be seen that the actual assets paid in the form of payment in the average capital are lower than the equal principal and interest. However, this repayment form is more suitable for borrowers with relatively high upfront payment ability.

At the same time, I hope the landlord can tell me the interest rate of your loan, otherwise the interest rate will be difficult to judge.

Specific reference formula:

Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

Add up the annual amount of 12 ***240 for 20 years to get the result. This calculation can be easily obtained by a financial calculator.