I need a loan of 300,000 yuan to pay off the house in 65,438+00 years. From the point of view of repaying the lender, should we adopt the average capital method or the equal principal and interest method? Hello, the choice of repayment method actually depends on your actual situation. According to the actual situation of different customers, the appropriate repayment methods are different. By comparing the monthly repayment amount and the final repayment interest of the two repayment methods, that is, the equal repayment method fixes the monthly repayment amount in advance under the condition that the interest rate remains unchanged, which is convenient for you to remember. The repayment method in the average capital is to divide your loan principal into equal parts within the loan period, and the loan principal returned every month is the same. Because the monthly repayment interest is calculated according to the loan principal, the repayment method in the average capital requires the customer's repayment ability at first, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and the repayment pressure will be relatively smaller and smaller. At the same time, under the condition of constant interest rate, the interest paid by equal repayment method will be higher than that paid by average capital repayment method.

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