Dear, your handling fee per installment: 158.26 yuan. Is this wrong? Are you reading this right? The installment fee rate of the same bank is different in different regions. Specifically, if you look at ICBC official website, the algorithm is as follows:

According to our rates, the third, sixth, ninth, 12, 18 and 24th installments are 1.65%, 3.6%, 5.4%, 7.2%,11in turn.

Your total consumption is 4299 yuan, divided into 12 installments. Then the total handling fee to be paid is: 4299*7.2%=309.528 yuan.

The repayment amount of each installment is 4299/ 12=358.25 yuan, and the handling fee of each installment is 4299*7.2%/ 12=25.794 yuan.

In order to count the repayment amount of each installment as an integer, the first installment is: 358.25+(0.25 *11) = 361yuan. Does this mean that the repayment amount for each installment is 0.25 yuan? The bank will calculate the money after the decimal point as the first installment in advance, that is, pay off this little money in advance. Is that clear? Of course, the handling fee is the same. The handling fee for each period is 25.794 yuan, 0.794 yuan after the decimal point is charged at one time, and the rest is charged according to 25 yuan every month. In fact, your monthly repayment after the down payment is 358+25=383 yuan. But it still doesn't agree with your figure. This may be because your handling rate is different from mine. You can call the bank to ask about the installment rate as I said.