Information consulting fee in the early stage of pleasant loan

This loan contract should clearly state that if the loan is repaid in advance, the upfront fee will be refunded according to a certain proportion, right? For example, you pay three years in advance. The upfront cost of more than 20,000 yuan will be shared equally in 48 months, and it will be refunded for several months after a few months. I also borrowed a pleasant loan, and the situation is similar to yours. I really can't stand this upfront cost. I didn't understand these things at first, and the intermediary didn't make it clear. The cost is too high. I got 50,000 yuan, and since the fees charged in advance have reached more than half of the principal, my handling fee is 27,500 yuan. Three years in stages. Get 50 thousand