还贷款的两种方式

本金：Capital
is a large sum of money which you use to start a business, or which you invest in order to make more money.

利息：Interest
is extra money that you receive if you have invested a sum of money. Interest is also the extra money that you pay if you have borrowed money or are buying something on credit.

利率：Interest rate

等额本息：average capital plus interest method

等额本金：average capital method

 

(capital + interest)/N

这个把所有钱计算好，平均一下，每月都还这个数

这个还款总额高于后者，平滑，动态眼光看，几年后这点钱可能不叫钱

capital/N + f(capital')

这个把本金平均一下，每月还固定本金，外加每月产生的利息

这个还款总额低于前者，前期压力大，后期一次性还清时压力小