In the case of installment, what is charged is not interest, but the so-called installment handling fee, which is fixed every month, that is, you have to pay back the last installment, and you still have to pay that much handling fee. The interest rate is approximately 0.6% per period for 2 years, which is 6% per month. . . . The interest rate is low compared to the private sector, but it is usurious compared to banks.