Answer: 1. If your friend agrees, you can pay by installments, and the bank will say that your friend bought it, or just pay 20,000 yuan directly, and ask your friend to call the bank and say that the 20,000 yuan will be spent in installments 12.

2. Details of the installment fee rate of CCB:1February fee rate is 0.6% (as shown in the figure), 12 total fee rate is 0.6% × 12 = 7.2% = 2w× 7.2% =1440 yuan.