1, no matter which bank, it is more cost-effective than the minimum installment repayment. Take installment repayment 12 and minimum repayment amount 10 month as an example. The handling fee of the former is only about one-third of the interest of the latter, so don't use the minimum repayment method to repay in installments.

2. Suppose you divide it into 12 installments, then the repayment date is about 16 of each month (25 days after the bill date), as long as 342.22 yuan is repaid before (including) the repayment date; The specific calculation results are as follows:

Bank of Communications 12

Suggested installment amount is 3780.

The handling fee rate is 8.64%

The total handling fee is 326.59.

Monthly handling fee 27.22

The monthly principal repayment amount is 365,438+05.00.

The total amount to be repaid is 465,438+006.59.

The monthly repayment amount is 342.22.