The installment rate of CCB bills is shown in the following figure:

Suppose you handle an installment bill of 8000 yuan, divided into 12 installments.

Installment principal =8000/ 12=666.66 yuan.

Handling fee for each period =8000*0.48%=38.4 yuan/period,

Repayment per installment =666.66+38.4=705.66 yuan,

12 installment total fee =38.4* 12=460.8 yuan.

Before the due date of the current bill, only the part that has not been paid in installments needs to be returned. The down payment of principal and handling fee will be settled in the bill next month.

Here is just a simple demonstration of the calculation method of CCB in stages, and the landlord still needs to apply for calculation according to his actual situation.