Minimum repayment amount = 65,438+00% of the consumption amount within the credit line+65,438 of the cash advance transaction amount+000% of the unpaid part of the previous minimum repayment amount+65,438+000% of the consumption amount exceeding the credit line+65,438+000% of the expenses and interest.

Minsheng Bank's disapproval fee is charged on a monthly basis, and the rate varies with the number of periods. The monthly fee is the rate of the total amount multiplied by the number of installments.

0.8% in the third phase, 0.65% in the sixth and ninth phases, 0.6% in the first 12 phase, 0.63% in the first 18 phase and 0.66% in the 24th phase.

Therefore, for the 12 installment of 10000, a total of 60* 12=720 yuan's installment fee will be paid!

If the minimum repayment amount is paid, only the interest on the unpaid part will be charged, and no monthly late payment fee will be charged.

The first month is 1000 yuan! The residual interest is 9000* 5/ 10000 *30 days = 135 yuan.

In the second month, you have to pay back 900+ 135= 1035 yuan, resulting in interest of 8 100* five ten thousandths *30 days = 12 1.5 yuan.

In the third month, you need to pay 810+121.5 = 931.5 yuan.

And so on!

And I didn't calculate compound interest!

I suggest to borrow it from relatives and friends and settle it in full!

Really not, the best policy is to borrow money to pay off in full, the middle policy is to consider staging, and the last policy is the minimum repayment amount.

I hope it helps you!