The landlord can repay the loan in installments. There are three ways for Bank of Communications to handle the installment: one is telephone application, the other is online application, and the third is online application. I think it is most convenient to apply online by stages. Here, I mainly introduce the operation steps of online application:

1. Log in to Bank of Communications official website first, and then enter personal online banking.

2. After entering, click "I want to stage" on the credit card interface.

3. Check the maximum installment amount first, then enter "I want installment amount" and select "Number of installments". If the landlord wants to pay it back in one year, choose 12 installment.

4. The handling fee for12 installment is 0.72%. Click OK to complete the installment payment.

In addition, like the landlord, the handling fee of RMB 5,000 for 12 is RMB 5,000× 0.72% = 3612, totaling RMB 36× 12=432.

I don't know if I understand what I said. I hope my answer can help the landlord!