Then, first of all, according to the repayment method of matching principal and interest, if the loan is 50,000 yuan, then the principal and interest need to be repaid every month by 4,282.67 yuan, and the total interest needs to be repaid 139 1.99 yuan, so the cumulative repayment amount is 5 139 1.99 yuan.

Then there is the repayment of average capital. If the loan is 50,000 yuan, the monthly fixed principal of 166.67 yuan is 4 166.67 yuan, and the total interest to be repaid is 138 1.25 yuan, and the total repayment amount is 5138/kloc-0.

The repayment method of average capital is that the longer it takes, the less it will be repaid. Relatively speaking, the first few months will bear a higher debt service, and the larger the loan amount, the more obvious this gap will be. For people with stable monthly income and expenditure, the equal principal and interest method with stable repayment amount is more suitable.