The shorter the period, the lower the handling fee, but the greater the relative repayment pressure. The period is long, the overall handling fee is high, but the repayment pressure is low.

Take CCB’s consumption installment as an example. You can choose from 3, 6, 12, 18, and 24 installments (one installment per month). The corresponding handling fees are 0.7, 0.6, and 0.6 respectively. 0.6, 0.6, 0.6. (Monthly handling fee = total installment amount * handling rate).

5,000 yuan is repaid in 3 installments. The principal that needs to be repaid in each installment is 5,000÷3=1,666.67 yuan. The monthly handling fee is: 5,000×0.7=35. The total procedure is *** in 3 months. The fee is: 35×3=105 yuan

5,000 yuan is repaid in 12 installments. The principal that needs to be repaid in each installment is 5,000÷12=416.67 yuan. The monthly handling fee is: 5,000×0.6=30. The total *** handling fee for 12 months is: 30×12=360 yuan

5,000 yuan is repaid in 24 installments. The principal that needs to be repaid in each installment is 5,000÷24=208.33 yuan, monthly Handling fee: 5000×0.6=30, the total *** handling fee for 24 months is: 30×24=720 yuan