1. Bank of Communications: 0.72 per month (charged every month);

2. Each installment handling fee = installment principal * each installment handling rate

1. Handling fee for 12 installments=4000*0.72=28.8 yuan/period;

2. Handling fee for 24 installments=4000*0.72=28.8 yuan/period;

3. Monthly repayment amount = installment principal/period handling fee:

1. 12 installments = 4000/12 28.8 = 362.13 yuan/period;

2 , divided into 24 installments=4000/24 ??28.8=195.47 yuan/issue;