The base of the installment fee is the principal, that is, 4800*0.54 (the installment fee of CCB 65438+February is 0.54%)=25.92 yuan.

Divided into 12 installments, and the principal of each installment is 4800/ 12=400 yuan.

So your total monthly repayment is 400+25.92=425.92 yuan. The total repayment amount is 425.92 *12 = 5111.04 yuan.

2, in stages, it is natural to pay back the money in each period. No full payment is required. You can repay your bill every month.

If you deposit money in 500 yuan this month, your bill for next month will be. The installment amount in this period is 425.92- the overflow in the previous period (500-425.92=)74.08 yuan =35 1.84. I see. Only 35 1.84 can be paid next month.

Ask again if you don't understand. Finally, the installment fee of CCB is the cheapest among credit cards at present. The installment of IOUs in JD.COM is 0.5%, which is much cheaper than credit cards. If you want to do staging, which is sold in JD.COM, and you also have the quota of IOUs, then JD.COM staging is recommended first.