Cardholders can choose three periods, six periods, 10, 12, 18 and 24 periods, and the corresponding handling fees for each period are 0.9%, 0.75%, 0.7%, 0.66%, 0.68% and 0.68% respectively. At present, the application for no-bill transaction only supports three, six, 10 and 12 periods.

Handling fee per period = total amount per period × handling fee rate per period, and the minimum handling fee per period is RMB 5 yuan. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded.

So, now you divide 4600 into 12 periods.

The handling fee rate for each period is 0.66%, and the monthly repayment amount is = 4600/12+4600 * 0.66% = 414 yuan.

If I can help you, please choose a satisfactory answer to support me, thank you!