Don't expect to pay off the minimum repayment amount in 12 months according to your installment. This is a very simple math problem. Suppose you owe 1000, and the minimum repayment amount is 10%. I don't count interest, only the principal. Pay off 100 in the first month and 900 in the second month. . . . . . . No matter what your cardinal number is, as long as it is not zero, the result multiplied by 10% will not be zero, so theoretically it will not be clear until the universe dies. Of course, the general bank has a minimum charge for the minimum repayment amount, and the arrears will not be less than 1 cent, but it is definitely unclear for one year. Paying off honestly according to the installment amount of each period is the king of saving money!