Repayment of principal per installment = 10000/ 12=833.33 yuan (the rest is transferred to the last installment).

Handling fee for each period = 10000*0.74%=74 yuan.

The final repayment principal+handling fee is 907.37 yuan.

Total handling fee =10000 * 8.16% = 816 yuan (handling fee will be paid in one lump sum when the first installment is repaid).

Repay the principal of 833.33 yuan per installment.

The final repayment of the principal is 833.37 yuan.

The first repayment of principal+handling fee = 164.33 yuan.