The average capital refers to the average repayment of the total loan and the monthly repayment of the fixed principal during the repayment period. However, with the reduction of repayment of principal at any time, the interest paid every month will also decrease.

Matching principal and interest is to divide the principal and interest into several parts and repay the same amount of principal and interest every month.

The average capital and equal principal and interest are the same, but the interest will be different.