Loan details
CNY
%
years
%
%/mo
Common for personal and auto loan handling fees: the up-front fee is charged in the first period, the monthly fee is added to the “Fees” column each period.
Results
First payment
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Monthly / first payment
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Total interest
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Total repayment & fees
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| Period | Payment | Principal | Interest | Fees | Remaining balance |
|---|
Enter your loan details and click “Calculate” to see the full schedule here.
How to read
How to read these results
1
Look past the monthly rate
A “monthly rate 0.5%” ad sounds cheap, but 0.5% × 12 is about 6% a year — check the annualized cost.
2
Fees change the real cost
A one-off handling fee raises the true cost even when the headline rate looks low. Put it in the fee fields.
3
Short terms mean high payments
Credit loans usually run 1–5 years, so the monthly payment is high even on a small amount.