For a three-year ordinary loan, the interest is 5.15, interest = principal × interest rate × term, so 100000*5.15*3=15450 yuan. If it is a provident fund loan, the annual interest rate is 2.75, 100000*2.75*3 =8250 yuan.

The handling fee for credit card installment loan (i.e. cash installment) is calculated as handling fee per installment = total installment amount * handling fee rate per installment. The total principal amount of the installment is amortized evenly on a monthly basis, and the remainder is included in the last installment, and the installment amount and handling fee of each installment are recorded in the bill at the same time.

Notes on the use of credit cards

During the period of using the credit card, if the credit card is not paid in time and is collected by the collection unit, you are responsible for paying off the debt immediately. In serious cases, you will bear legal liability , and it will also have an impact on the user's future loans, so try not to be overdue.

When applying for a credit card, you need to fill in an application form. The application form needs to fill in your address and contact information. If it is overdue, you must notify the card issuer immediately, because some bills will be sent to your home every month. Develop good consumption habits, use consumption cards rationally, live within your means, and do not consume more than you can afford.

References for the above content? Baidu Encyclopedia - Credit Card Loans, People's Daily Online - Optional Credit Card Loans for Personal Consumption