Monthly repayment amount = loan amount * monthly interest rate/1-( 1+ monthly interest rate)-repayment months

=30000*0.97% / 1-( 1+0.97% )^-36

=99 1.28 yuan

According to the formula, the monthly repayment should be 99 1.28 yuan, which is basically consistent with the figure.

This shows that there is no problem with monthly interest.

Monthly interest rate =0.97%, then annual interest rate = 1 1.64%.

Below 24%, the interest rate is within the legal range.

-

But the third-party package service doesn't know what it is, so it must be treated with caution!