Loan amount = monthly repayment amount * 1-( 1+ monthly interest rate)-number of installments/monthly interest rate.
66000 = 3100.53 * (1+monthly interest rate) 36- 1/ monthly interest rate.
Monthly interest rate =3. 17068%
Annual interest rate =38.048 16%
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The "annual interest rate" has exceeded the legal lower limit of usury (36%).
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After calculation, the repayment period is 8 months, and the loan will be paid off in one lump sum in the ninth month. If there is no penalty, 58,789.80 yuan will be paid in one lump sum in the ninth month.
And the lender asks you to return 59938+38 0 yuan. You overpaid 1 1438+0 yuan. You can consult each other or look at the loan agreement.
What is this extra 1 148+0 yuan?
In addition, the loan has been characterized as "usury" and can be discussed with relevant departments.
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The picture "contract amount" you sent is 98943.50=66000+32943.50.
It means that although the loan amount actually granted to you by the other party is 66,000 yuan, they think it is 98,943.50 yuan.
If the loan amount is 98,943.50 yuan, the annual interest rate is 8%, which greatly reduces the interest rate.
This is essentially turning "interest" into "service fee", which is a trick played by the other party.