Because it is divided into 8+ 16 periods, it costs less in the first 8 months and more in the last 16 months. As shown above. As for me, I didn't read the contract clearly, but the overdue fee was really a lot, and I almost thought it was fraud. There is no suspension during the contract period, that is to say, when the contract comes into effect, that is, when your loan starts, the fee will be deducted, and the overdue fee is the fee that exceeds the contract period by one day. I'm not happy to see this, either.