上海商業儲蓄銀行-網路銀行

個人貸款總費用年百分率試算

The total loan amount	.
loan interest rate (annual interest rate)	Fixed loan interest rate ％	Multiple stage loan interest rate Stage 1 term：yearsmonths ; Interest rate：% Stage 2 term：yearsmonths ; Interest rate：% Stage 3 term：yearsmonths ; Interest rate：% Stage 4 term：yearsmonths ; Interest rate：% Stage 5 term：yearsmonths ; Interest rate：%
No. of periods (month)	Equal instalment repayment of the principal and interest Periods (up to 360 , that is 30 years)
Service fee ( ex., loan origination fees)	. （ No entering data means no fee.）
The variable expense (proportion to the loan amount) -	％（No entering data means no fee.）

The bank's credit products EAPR(effective annual percentage rate) is categorized as "Installment credit" and "Recurring credit products". Its example for the calculation Basic is listed below:：

Type		The calculation Basic for loan EAPR
Type		Loan period	Loan amount
Installment credit -	House mortgages	20years	200* NT$ 10,000
	The 2nd house mortgages	7years	50* NT$ 10,000
	Car loan	5years	40* NT$ 10,000
	Fiduciary loan	5years	30* NT$ 10,000
Recurring credit products -	Recurring house mortgages or recurring fiduciary loan	To use credit rate instead
	Cash card	To use credit rate instead
	Credit card	To use recurring interest rate instead