As long as the national benchmark interest rate remains unchanged:

Equal principal amount: the total monthly payment decreases month by month, the principal remains unchanged, and the repayment interest will be higher at the beginning. The pressure is greater, but the interest is saved;

Equal principal and interest: the total monthly payment remains unchanged, easy to remember, the principal part increases month by month, the interest part decreases month by month, and the repayment pressure is relatively small;

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Warm Tips

Which repayment method is more suitable is recommended based on your own situation.