How to repay unsecured credit loans launched by major banks on a monthly basis?

For unsecured credit loans launched by banks, repayment methods are basically equal principal and interest repayment. \ x0d \ x0d \ Apply for a credit loan of 65,438+10,000 yuan from the bank, with a monthly interest rate of 7% (specifically according to the bank interest rate). The loan term is 3 years, and the monthly payment is calculated as follows: \ x0d \ 65438+ 10,000 yuan *7% =700 yuan (monthly interest repayment) \ x0d 65438.