1696.67 yuan. 4,000 yuan in 24 installments, and the handling fee is not high. The cost of each issue is 0.75%. The monthly repayment amount is equal to 4000 divided by 24,4000 multiplied by 0.75%, which is equal to 1.696.67 yuan. It is appropriate to repay 1, 696.67 yuan, which is the minimum repayment amount: no handling fee but no interest-free period.