Because of the equal principal and interest, the interest paid each month is more and the principal is less. Early repayment may have paid a lot of interest, and early repayment is of little significance. If the average capital is used, the early pressure will be greater, but the monthly principal will be the same, that is, more repayment will be started and more proof of salary and income will be needed. But prepayment is more appropriate.
Extended data:
In the average capital, the repayment of the principal is the same every month, and the actual repayment every month will decrease in turn because of the decrease of the principal. The advantage is that the total repayment amount is small, and you can repay in advance at any time.
Matching principal and interest means that the repayment amount is the same every month, and the interest paid in advance is more than the principal, so it is not necessary to pay in advance. Theoretically, there is no need to settle it at one time after the first half of the year, because you have almost paid back the interest. The advantage is that it is the same every month, which is suitable for the provident fund.