For example, a loan of 15000 yuan is divided into 48 phases: a. Total amount of principal and interest = [(loan amount * monthly interest 1.3%* loan term)]+loan amount.

Namely: [(15000 *1.3% * 48)]+15000 = 24360.

B. In addition, the monthly administrative fee of 1% needs to be repaid.

Namely: 15000* 1%*48=7200.

C. 2% of the loan amount is used as the handling fee.

Namely: 15000*2%=300.

You always have to pay 24360+7200+300=3 1860 yuan.

In the following cases, an extra payment of 43 18.963 is required for overdue for 5 months.

：

4. Handling fee for delayed repayment: For delayed application time and loan amount, a daily handling fee of 0.0767% shall be paid to Alec Finance.

5. If the deduction for each installment fails, you need to pay the fee for each installment 10 yuan.

50 yuan

6. Monthly repayment shall be made in the following order: penalty interest \ handling fee \ compound interest and late payment fee; Pay administrative expenses; Pay interest; Repay principal

7. If repayment is to be made in advance, the handling fee is 3% of the total amount.

8. Penalty interest: the penalty interest for overdue daily collection is 0. 1%.

Penalty interest:15000 * 0.01*150 = 2250.

9. Unpaid interest is compounded at the default interest rate. The late payment fee is 0. 1%.

Principal and interest 15000* 1.3%*5=975.

Management fee 15000* 1%*5=750.

Compound interest: f = p * (1+I) n =1725 *1.0238 * 5 =1932+038.

Late fee: 86.25.

Total 50+2250+1932.713+86.25 = 4318.963.

To sum up, the loan is 15000 yuan, and the total repayment in 48 installments is 36 178.963 yuan.

Note: The interest of Xin 'an Easy Loan (Ping An Trust) is the same as that of UA Barter.