9.72% should be the annual interest rate, which is higher than that of banks, but bank loans need to be mortgaged, which is more troublesome. Calculated at the annual interest rate of 9.72%, the term is one year, and the monthly repayment is 5267.6438+04 yuan.

As for the various fees charged for loans, they are all illegal. The Supreme People's Court demanded that "in the process of hearing cases of private lending disputes, all kinds of behaviors that break through the legal interest rate red line with interest, liquidated damages, service fees, agency fees, deposits and extension fees or in disguised form shall not be supported according to law". So the rate of 0.45 (that is, 45%) has exceeded the red line, so don't touch it.