Hello, the choice of repayment method actually depends on your actual situation, and the appropriate repayment method varies according to the actual situation of different customers. 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 of unchanged 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 the average capital requires higher repayment ability of customers at 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 at the later stage will become smaller and smaller. At the same time, under the condition of constant interest rate and other conditions, the interest paid by equal repayment will be higher than that paid by repayment in average capital.

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