Average capital and equal principal and interest are just repayment methods. Matching principal and interest means that you distribute the interest generated by the loan evenly to each month. The principal of each month is the same, the interest is also averaged to each month, and the repayment amount is the same from beginning to end.

Matching principal repayment means paying more principal in the early stage and paying more interest in the later stage. The repayment amount is different every month.

If you borrow 2.6 million yuan with an annual interest rate of 5.8%, the final result is the same, except that the principal reaches 2.6 million yuan and the total interest is as much as mine. I will calculate the interest for one year and multiply it by how many years is the total interest.

The annual interest is 260×580= 150800 yuan.