Loan amount = monthly repayment amount * 1-( 1+ monthly interest rate)-number of installments/monthly interest rate.

66000 = 3100.53 * (1+monthly interest rate) 36- 1/ monthly interest rate.

Monthly interest rate =3. 17068%

Annual interest rate =38.048 16%

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The "annual interest rate" has exceeded the legal lower limit of usury (36%).

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After calculation, the repayment will be 8 months, and the loan will be paid off in one lump sum in the ninth month. If there is no fine, you should pay 58,789.80 yuan in one lump sum in the ninth month.

And the lender asks you to return 59938+38 0 yuan. You overpaid 1 1438+0 yuan. You can consult each other or look at the loan agreement.

What is this extra 1 148+0 yuan?

In addition, this loan has been classified as "usury", so you can contact the relevant departments for discussion.

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The picture "contract amount" you sent is 98943.50=66000+32943.50.

It means that although the actual loan amount given to you by the other party is 66000 yuan, they think it is 98943.50 yuan.

If 98,943.50 yuan is regarded as the loan amount, the annual interest rate is 8%, which greatly reduces the interest rate.

This is essentially turning "interest" into "service fee", which is a trick played by the other party.