The number of installments and the corresponding benchmark rates are: 0.69% for 6 installments, 0.60% for 12 installment, 0.60% for 24 installments, 0.60% for 36 installments, 0.60% for 48 installments and 0.60% for 60 installments, respectively, and the handling fee will be charged by installments. The interest on the installment loan of ABC is calculated according to the number of installments. The longer the spot number, the higher the interest. In addition, ABC also charges a certain handling fee, which is generally 0.5% of each principal. Specific interests are subject to practical application.