According to the analysis of the landlord's situation, it is more cost-effective to repay by installments, and the minimum repayment amount will have interest of five ten thousandths of a day.

If it is the minimum repayment amount, 5,000 yuan per day will pay more interest from 2.5 yuan, and 75 yuan for one month. If it is divided into two phases, there will be 0.9% installment fee for the third phase, 0.75% for the sixth phase and 0.7% for the second phase. 5000 will be divided into two installments, and 50 yuan interest will be paid more every month. 45 yuan overpaid for the third installment, 37.5 yuan for the sixth installment, and 35 yuan 12 installment. If you don't know, please consult the Credit Card Service Center of China Merchants Bank at 400-820-5555.

Installment repayment is not necessarily cheaper than the minimum repayment. For large debts that cannot be paid off in one lump sum for a long time, the cost of installment repayment is relatively low to prevent interest from rolling. However, if the amount is low, the consumption accounting date is close to the final repayment date and the repayment can be made in a short time, it is more cost-effective to choose the minimum repayment amount.

I hope my answer can help you.