1. Matching principal and interest repayment method:

Matching principal and interest repayment method refers to a repayment method in which the sum of loan principal and interest repaid every month remains unchanged (except when interest rate is adjusted), but the proportion of principal in the monthly repayment amount increases month by month and the proportion of interest decreases month by month.

2. average capital Repayment Law

Average capital repayment method means that the loan principal you repay every month is fixed, that is, the principal is divided equally throughout the repayment period, but the loan interest paid decreases month by month, and the repayment amount decreases month by month during the repayment period. This kind of repayment method has great repayment pressure at the initial stage.

Both methods have corresponding repayment amount calculation tables. When applying for a loan, you can refer to this table to inquire about the specific repayment principal and interest.