actually the bank charge them therefore they will transfer the 手續費 to the customer ..but some specific tour they can offer you pay it divide 12 months . normally the price of this kind of tour is higher . and the trip is mainly for euro ...
you can think about it . if you rent money from bank , you need to pay interest even its high or low ( the rates is different at different bank ) . its also seem 合理 .
so you go to 旅行社到碌卡 , the bank pay the money for you first and then you can have around 60 days to pay back to them , few percentage charge i feel its reasonable ...