Rate: 0.72% for the third phase and 0.66% for the sixth phase.
Payment in three installments: the handling fee is 7000 x 0.72%+ the principal is 7000÷3=50.4+2333.33=2383.73 yuan.
Payment in six installments: the handling fee is 7000 x 0.66%+ the principal is 7000 ÷ 6 = 46.2+1166.67 =1212.87 yuan.