1. Equal principal and interest:

The total loan amount is 380,000.00 yuan.

Repayment months: 360 months

Monthly repayment 1, 8 14. 18 yuan.

Total interest paid is 273 104. 12 yuan.

Total principal and interest is 653, 104. 12 yuan.

2. Average capital:

The total loan amount is 380,000.00 yuan.

Repayment months: 360 months

The repayment in the first month is 2322.22 yuan.

Decreasing monthly: 3.52 yuan

A total of 228,633.33 yuan of interest was paid.

The total principal and interest is 608,633.33 yuan.