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How much can the bank interest not exceed?

Questioner: @a.*** City: National Label: Bank interest Question Time: 2017-10-07 10:53
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  •             Enthusiastic friends
    2017-10-08 17:21
            toPrivate lendingCan not exceed the bank interest, the Supreme People's Court "Some Opinions on the People's Courts in the Case of Private Lending Cases" stipulates that the interest rate of private lending may be higher than the bank's interest rate, but the maximum shall not exceed the bank's similarity.Lending ratesFour times.
    And the People’s Bank announcedAnnual interest rateIt is about 6%, which means that the interest rate of private lending cannot exceed 25% of the annual interest rate, and the excess is not protected by law.
    In judicial practice, most of the interest rates agreed by private lending exceed this requirement, so many borrowers deliberately owe money and do not pay back, waiting for the lender to sue and even ask the lender to sue, because through litigation, the interest rate they bear Can't exceed four times the bank. This malicious debt and circumvention of the law not only increases the costs of the parties, but also wastes effective judicial resources.
  •             Enthusiastic friends
    2017-10-08 14:25
    loanThe interest regulations are recommended to consult the central bank's customer service.
    1. Usury is not a legal term, generally refers toPrivate lendingAct, according to the law,Annual interest rateThe interest rate within 24% is legal and protected by law; 2. Legal basis: "Stipulations of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" Article 26 The interest rate agreed by the borrowers and the lenders does not exceed the year If the interest rate is 24% and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.
    The interest rate agreed by both the borrower and the lender exceeds the annual interest rate by 36%, and the excess interest agreement is invalid. If the borrower requests the lender to return the interest that has been paid more than 36% of the annual interest rate, the people's court shall support it.
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