分期手续费简单计算了一下

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12万/年&nbsp;&nbsp;0.75%/月<br />
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10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp;&nbsp;900/月&nbsp; &nbsp;900*12=10800&nbsp; &nbsp; 108%年<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp;&nbsp;450/月&nbsp; &nbsp;450*12=5400&nbsp; &nbsp;&nbsp;&nbsp;54%年<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp;&nbsp;300/月&nbsp; &nbsp;300*12=3600&nbsp; &nbsp;&nbsp;&nbsp;36%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp;&nbsp;225/月&nbsp; &nbsp;225*12=2700&nbsp; &nbsp;&nbsp;&nbsp;27%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp;180/月&nbsp; &nbsp;180*12=2160&nbsp; &nbsp;&nbsp;&nbsp;21%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp;150/月&nbsp; &nbsp;150*12=1800&nbsp; &nbsp;&nbsp;&nbsp;18%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp;128/月&nbsp; &nbsp;128*12=1542&nbsp; &nbsp;&nbsp;&nbsp;15%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp;112/月&nbsp; &nbsp;112*12=1350&nbsp; &nbsp;&nbsp;&nbsp;13%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp;100/月&nbsp; &nbsp;100*12=1200&nbsp; &nbsp;&nbsp;&nbsp;12%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;90/月&nbsp; &nbsp; 90*12=1080&nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;&nbsp; &nbsp; 10%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;81/月&nbsp; &nbsp; 81*12=972&nbsp; &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;10%<br />
10000&nbsp; &nbsp; &nbsp; &nbsp; 12*0.75%= 900&nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;75/月&nbsp; &nbsp; 75*12=900&nbsp; &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;9%<br />
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12万分12期&nbsp;&nbsp;每月利息为总额的0.75%(900RMB)。<br />
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第—个月还了10000，利息900。年化为12*900=10800&nbsp;&nbsp;108%<br />
第二个月还了10000,&nbsp;&nbsp;利息900。相当于450/月&nbsp;&nbsp;年化为12*450=5400&nbsp;&nbsp;54%<br />
第三个月还了10000，利息900。相当于300/月&nbsp;&nbsp;年化为12*300=3600&nbsp;&nbsp;36%<br />
第四个月..<br />
第五个月..<br />
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借了12个1万平均利息为108%+54%+36%+..9%=333%&nbsp; &nbsp;&nbsp; &nbsp;333%平均到每—万&nbsp; &nbsp;333%/12=27.75%<br />
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总结为，相当于每用—万都是 28%的年利借款。<br />
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借款时感觉没有那么高的原因是借款人只看到了 12万 才900利息，而没看到最后面的1万就需要900的利息。<br />
另—个容易忽略的是只看到了12万在手里却没看到 12万只能在手里—个月，而不是—年。<br />
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当然如果你能在前三个月 1O万以上在手的时侯能赚够1080O元 ，那就借吧。<br />
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楼主算的太好了，点出了大部分人的盲区，赞

半小时前 以前不懂，看贴总是不回 ，—直没提升等级和增加经验，现在我明白了，反正回贴可以升级 ，也可以赚经验，