The amount to be repaid in the second month (approximate)-generally, the period from bill to repayment is 20 days to early 30 days, which is counted as 30 days here, but it can only be roughly inaccurate)

Principal 12000* interest 5/ 10000 *30 days = 180 yuan (interest)

Bill amount of the second month: 180+ 12000-600 (minimum repayment amount before) = 1 1580.

12000 yuan: the minimum repayment is one month = you pay about 180 yuan interest.

The rate is 1.5%/ month.

By stages, 12 is generally 0.72%/ month.

Monthly repayment 1200 yuan.

So if you can't pay it back in one lump sum within half a year, it's more cost-effective than the minimum repayment amount by stages.