How to calculate the interest on insufficient credit card repayment of Huaxia Bank?

The formula for calculating the monthly repayment amount is

In which: y- monthly repayment amount, RMB; A —— total loan amount, RMB;

N- the total number of years or months of loans; α-interest rate.

If n in the formula is expressed in years, it is the annual interest rate; If n in the formula is expressed in months, it is the monthly interest rate.

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