It shouldn’t be that powerful. Your friends should be fooling you.

20,000 yuan is already far higher than the bank’s bottom line for recovery. If you don’t repay it within a year, you should have been summoned by the court a long time ago.

The interest is 5/10000, 10 yuan a day, compound interest is calculated on a monthly basis, and the maximum is 5,000 yuan in a year.

The late payment fee is 5/1000, and it will not be charged in a year. It’s more than 10,000 yuan