Is the fee included in each payment?

No. It is shown separately as an upfront cost.

Can I use it for card instalments?

Only as an approximation when pricing matches these inputs.

APR depends on cash-flow timing, which this page does not convert.

No. Check the contract for early-settlement terms.

Calculate renovation-loan payments, interest and one-time fees

Computed in your browser

Enter annual interest and one-time fee separately; the result itemizes both.

Loan principal (CNY)

Loan term (months)

Contract annual rate (%)

One-time fee rate (%)

Enter the fee and rate from the contract; this is not a regulatory APR calculation.

CNY 200,000 · 60 months · 4.5% · 1% fee

Payment, interest, fee and total outlay

The one-time fee is not amortized into the payment.

Monthly payment uses the annuity formula. The one-time fee is principal times fee rate and is not converted into an APR.

Calculate fixed renovation-loan payments, total interest, one-time fees and overall financing cost.

Is the fee included in each payment?: No. It is shown separately as an upfront cost.
Can I use it for card instalments?: Only as an approximation when pricing matches these inputs.
Why is the total cost not an APR?: APR depends on cash-flow timing, which this page does not convert.
Does this include early-settlement charges?: No. Check the contract for early-settlement terms.