💡 Fee Structure Breakdown
- Base Interest Rate: Tiered rates from 7% to 12% based on loan amount
- Borrower Pays: Base Rate + 1% extra (e.g., 12% rate = 13% total payment)
- Lender Receives: Base Rate - 1% (e.g., 12% rate = 11% to lender)
- Platform Receives: 2% total (1% from borrower extra + 1% from lender's interest)
- Payment Terms: Exact term periods with no hidden months
👤 Borrower Pays
Rate + 1%
Total cost includes base interest rate plus 1% platform fee
💰 Lender Receives
Rate - 1%
Net return after 1% platform fee deduction
🏢 Platform Fee
2% Total
1% from borrower + 1% from lender = 2% platform revenue
Borrower Costs
Lender Returns
Platform Fees
💰 Interest-Only Loan Calculations with Fee Breakdown
Interest-Only Payments (3-12 Months): Monthly interest payments with principal due at term end.
The table shows the breakdown of how the interest rate is split between borrower cost, lender return, and platform fee.
| Principal Amount |
Base Rate |
3 Months | 6 Months | 9 Months | 12 Months | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
||
Interest-Only Payments (15-24 Months): Extended terms with detailed fee breakdown.
Borrower pays base rate + 1%, Lender receives base rate - 1%, Platform gets 2% total.
| Principal Amount |
Base Rate |
15 Months | 18 Months | 21 Months | 24 Months | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pays |
Lender Gets |
Platform Fee |
Total Interest |
Total Repay |
||
📊 EMI (Equated Monthly Installment) with Fee Breakdown
EMI Payments (3-12 Months): Fixed monthly payments including principal and interest.
Fee structure remains the same: Borrower pays +1%, Lender receives -1%, Platform gets 2%.
| Principal Amount |
Base Rate |
3 Months | 6 Months | 9 Months | 12 Months | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
||
EMI Payments (15-24 Months): Extended term EMI with complete fee transparency.
Each payment includes principal portion and interest portion, with fees clearly separated.
| Principal Amount |
Base Rate |
15 Months | 18 Months | 21 Months | 24 Months | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
Monthly EMI |
Borrower Interest |
Lender Interest |
Platform Fee |
Total Repay |
||