Generally, it is 10% of your current bill payable. For example, if your current repayment amount is 6400 yuan, then your minimum repayment amount should be 640 yuan. However, if it can be returned, it is still more cost-effective. Although you have paid the minimum repayment amount, there will be no bad record, but the interest will be calculated daily from the day you spend it, and the deduction rate is five ten thousandths, that is, your interest of 6,400 yuan per day is 3.2 yuan.

It's really not enough to consider installment repayment. The installment fee for pro-Postal Savings Bank is 0.6%.

For example, if you pay 6,400 yuan per month 12, then the amount you should pay per period is about: 6,400/12+6,400 * 0.6% = 533.3+38.4 = 571.7 yuan.