The handling fee rate of 12 is 0.65%.
The monthly handling fee is 40,000 x 0.65 = 260.
Repay the principal of 4000012 = 3333.33 yuan per month.
A total of 3593.33 yuan is paid back every month, with no other expenses and interest.
The rates of other rural commercial banks are similar.
Remember, you must call after you finish spending. Shanghai Rural Commercial Bank stipulates that after the bill is issued, the installment fee rate is higher.
If you don't know, you can go online to search for knowledge such as interest rates. There are many here. /fenqi/ you can refer to them.
If the answer is satisfactory, please adopt it as a satisfactory answer in time ~