True APR of Installment Plans
Added 2026-10
True APR of Installment Plans — Chinese original prompt
银行给的方案是 [期数、每期手续费率、是否一次性收取]。请把手续费折算成实际年化利率，与 [同期贷款利率] 对照；再按我每月能承受 [还款金额] 算出三种期数下的总成本，输出一张对比表和一句结论：分还是不分、分几期。
Site original
Chinese original
Example
Sample input
银行给的分期是十二期、每期手续费率零点六，一次性收取。折算成实际年化，和同期贷款利率对照。
The output should include
- 折算过程与年化结果写清口径
- 对比表含三种期数下的总成本
- 仅作参考，具体需向银行核实
Replace these placeholders 3
Swap the bracketed parts for your own details before sending.
[期数、每期手续费率、是否一次性收取][同期贷款利率][还款金额]
How to use
分期页面通常只显示手续费，年化利率要自己折算一遍。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.