There will be a late payment fee, accounting for 5% of the unpaid part of the minimum repayment amount, and interest will be generated. From the date when the landlord swipes the card for consumption/cash withdrawal, interest will be charged at the rate of 0.5 ‰ per day.

Then give the landlord a rough calculation.

Amount returned in the first month overdue = principal+interest+overdue fine.

= 30,000+30,000 * 0.05% * 60 (the interest-bearing time here is 60 days, that is to say, it takes 30 days for the landlord to arrive at the last billing date, and then it is overdue 1 month (30 days), totaling 60 days)+3,000 * 5% (the minimum repayment amount is/kloc-0 of the total bill)

=30000+90+ 150

=30240 yuan

Amount returned in the second month overdue = unpaid amount of the previous bill+interest+late fee.

=30240+30 150*0.05%*30 (the interest already collected will generate compound interest, so the interest-bearing principal here is 30 150 yuan) +3240*5% (in addition to the principal of 10%, the minimum repayment amount should be added.

=30240+452.25+ 162

= 30,854.25 yuan (including interest of 854.25 yuan)

To sum up, the daily interest of five ten thousandths seems to be very small, but in fact it adds up to a lot. In addition, overdue interest will cause a bad credit record and have a serious impact on the loan business. It is recommended that the landlord repay the loan as soon as possible.