3 1.95%
6 3.60%
9 5.40%
12 7.20%
18 1 1.70%
24 15.00%
If you apply for 9 installments, the total handling fee you have to pay is 3800*5.4%=205.2 yuan. The repayment amount in the first month is 3800/9+205.2=627.43 yuan, and the monthly repayment thereafter is 3800/9=422.22 yuan.
If you apply for 12, the total handling fee you have to pay is 3800*7.2%=273.6 yuan. The first month's repayment is 3800/ 12+273.6=590.27 yuan, and the subsequent monthly repayment is 3800/ 12=3 16.67 yuan.