How to calculate the car loan interest rate of 76,478 yuan, and 20 13.58 per month for the 48 th installment is high?

If the total car loan is 76,478 yuan, and then 20 13.58 yuan is repaid in 48 installments, then the total interest can be calculated as 2013.58× 48-76,478 = 20173.84 yuan, and the monthly interest is 20173. Then the annualized interest rate is 20173.84 ÷ 76478 ÷ 4×100% ≈ 6.6%, and the part with an annual interest rate higher than 24% is considered usury, so to sum up, this loan is not usury!

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