How to calculate the service fee of pleasant loan

1, Pleasant Loan is a relatively large Internet personal lending platform, which provides loan services to borrowers and also charges users a certain service fee. For example, if your loan is 30,000 yuan, you can pay it back in 12 months, 18 months, 24 months or even 36 months. Different periods have different annualized interest rates. 1February repayment, annualized rate 10%. The cost of the platform is 0.33% a month, and the repayment period is 18 months, so the annualized interest rate is 10.5%. The monthly platform fee is 3.07%.

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3. The service fee of Pleasant Loan is divided into two parts: upfront service fee and installment service fee (collectively referred to as platform service fee). Those with good credit qualifications may not charge installment service fees, and sometimes other fees may be incurred, such as SMS verification fees and audit fees.

4. According to the loan term, there are different standards for service fees. For example, the loan term is 12, and the platform service fee is 3.53% (users with good credit). If your credit qualification is average, the platform service fee is 5%. (The service fee standard will change according to time. )

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