Hello, the choice of repayment method actually depends on your actual situation. According to the actual situation of different customers, the appropriate repayment method is different. Compare the monthly repayment amount and final repayment interest of the two repayment methods of equal repayment and average principal. The equal repayment method is to fix the monthly repayment amount in advance under the condition of constant interest rate, which is convenient for you to remember. The repayment method in average capital is to divide your loan principal by an equal amount within the loan term. The monthly repayment of the loan principal is the same because the monthly repayment interest is calculated according to the loan principal. The repayment method in average capital requires higher repayment ability of customers in the initial stage, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and relatively speaking, the repayment pressure will become smaller and smaller in the later stage. At the same time, under the condition of constant interest rate and other conditions, the interest paid by equal repayment method will be higher than that paid by repayment method in average capital.

For the information such as the execution interest rate, amount, loan term and repayment method of the loan you specifically applied for, the handling bank needs to specifically review your comprehensive information after you apply for the loan, and it can only be determined after the loan is approved, so it is temporarily impossible to determine it in advance. It is recommended that you confirm this information in detail when applying for a loan through the handling bank.

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