Users with an average capital of 10 can choose to repay in advance in the first five years of the loan term, which can save more loan interest; When the loan term exceeds half, users choose to repay in advance, and the interest saved at this time is very limited, which has no effect on maximizing the interests of users. Therefore, for the capital loan with an average of 10 years, either the user repays the last installment on time or chooses to prepay, and the prepayment should pay attention to the time node. The above is the relevant content of the average capital repayment skills in 10.

Which repayment is better, average capital or equal principal and interest?

If the loan needs to be repaid in advance, it is more appropriate to choose to repay the principal in equal amount. The average capital pays less interest than the same amount of principal, and the proportion of principal in early repayment is relatively large, which is more suitable for early repayment. The monthly repayment amount of equal principal and interest is fixed, and the interest of early repayment is relatively large, which is not conducive to early repayment. The average principal or equal principal and interest can only be selected as the repayment method for house purchase loans. This paper is mainly about the knowledge points of repayment skills in average capital in 10, and the content is for reference only.