First of all, I want to tell you that if you choose to pay by installment, there is no interest, only the handling fee. Now, if you calculate the repayment amount of 12, the handling fee of each period is 10000*0.6%=60 yuan, and this 60 yuan is the handling fee of each period, that is, 10000/ 12=834 yuan, which means that each period has to be repaid. In addition, I told you that you can choose Alipay to pay by installments, so you don't need the handling fee for each installment of 60 yuan. Minsheng Bank stipulates that payment by Alipay is free of handling fees.