Jiufu borrowed 1000 points and repaid 72 per month in 24 installments, is it legal to repay a total

1. This is not suspected of usury, explain.

2. According to 24 percent, 240 in one year and 480 in two years.

3. Press 36 to return, 360 for one year, 720 for two years.

4. First of all, see if there is any restriction on early repayment in the loan contract, if there is no restriction, early repayment, and the interest rate will be repaid until the time of repayment.

This is a black net loan. It's better to pay it off as soon as possible, and remember not to take out a loan on a messy online loan platform in the future. It is best to take out a loan in a bank.

Bank 7,000 yuan, monthly principal of 292 yuan, interest 16 yuan. A total of 308 yuan. The interest rate on your loan is usury.

In interest-bearing loans, the interest rate may be appropriately higher than the bank interest rate, and the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

According to your situation, it is about to calculate that it has exceeded the legal amount, and there should be a part of the law that does not need to be returned, and you estimate it yourself according to your situation, if you care about the overcharge of a few hundred, then you can find a place to complain or sue the court. It's better to pay it off as soon as possible, so as not to harass you and the like.

There is no violation, the interest fee for two years is 72, and the average annual interest fee is 36%, which is in line with national regulations.

Summary. However, if the interest rate exceeds the limit of state protection, (before September 19, it was generally within the range of 24%, and from the end of 19 years, after the promulgation of the Civil Code, it shall not exceed the maximum interest rate ratio of the People's Bank of China in the same quarter), you can negotiate with the other party to see if you can reduce the amount of repayment. Because if the interest rate is too high, even if the other party sues, the court will not recognize and protect it.

So you still have room for negotiation with the other party.

I borrowed 10,000 from Jiufu Wanka, and repaid more than 6,000, and now it is more than a year overdue, and now I have to repay 20,000, is this legal?

Hello, I am a cooperative lawyer who consulted, I have received your question, and the current consultation person is more than Haha Please wait for 2 minutes, I am helping you solve the problem.

If the other party has a clear number of instructions or a clause such as the contract is written on the contract, and you also sign, it means that you agree to the content of the clause.

However, if the interest rate exceeds the limit of state protection, (before September 19, it was generally within the range of 24%, and from the end of 19 years, after the promulgation of the Civil Code, it shall not exceed the maximum interest rate ratio of the People's Bank of China in the same quarter), you can negotiate with the other party to see if you can reduce the amount of repayment. Because if the interest rate is too high, even if the other party sues Hu Xian, the court will not recognize the merger and protection. So at present, you and the other party are still absolutely slow to negotiate.

Because you do receive money and sign a contract, although even if the other party sues the court, the court will not recognize the interest law that exceeds the Ministry of State Protection, but you still need to pay it back, and this is also a waste of your time and energy. So I suggest that if possible, try to negotiate with the other party to achieve a result that can be achieved by both parties.

If you negotiate, I recommend that you first calculate how much money you have repaid before, and then ask the other party how much the annual interest rate was arranged when signing the lease with you, and what is the situation of other service fees, etc., and then you will talk to the other party at 24% first, and see how much the other party can make concessions to the maximum. In the end, we can talk about a mutually acceptable amount.

Carry forward the silver hail of social justice, highlight the value of legal Zen, and maintain personal dignity, I am very happy to serve you, and if you have any questions, please come to the platform for consultation I wish you all the best! Have fun! He Bo accompanyed.

5,000 yuan, 11,000 yuan in three years, and now three months overdue, don't be nervous about this situation, let's do the math, you know what the result will be? First of all, according to the law: the annual interest rate of more than 24% is usury, not protected by law, that is to say, the maximum interest of 5000 yuan is, 100 yuan per month, borrowed for 39 months, that is, 3900 yuan, plus the principal you can bear up to 8900 yuan of interest, you are now repaid 11000 yuan with interest, overpaid 2200 yuan, that is to say, you have to repay the interest is also within the scope of the law 24% 36%, you are enough, you don't need to be nervous, hit ** Negotiate a settlement, and there is no need to pay back the money.

Borrowing 10,000 yuan for more than 24 months and repaying more than 7,000 yuan, isn't this usury? Eat people without spitting out bones!

Usury is not illegal or criminal, this term has no legal meaning. There is only the crime of establishing a financial institution without authorization and the crime of usury on-lending.

Financial institutions look at whether they operate legally and compliantly, not at the interest rate.

Article 174 of the Criminal Law [Crime of establishing financial institutions without authorization; Whoever establishes a commercial bank, exchange, exchange, company, brokerage company, insurance company, or other financial institution without the approval of the relevant competent state departments is to be sentenced to up to three years imprisonment or short-term detention and/or a fine of between 20,000 and 200,000 RMB; where the circumstances are serious, a sentence of between 3 and 10 years imprisonment and a concurrent fine of between 50,000 and 500,000 RMB is to be given.

Anyone who forges, alters, or transfers the business licenses or approval documents of commercial banks, exchanges, exchanges, companies, brokerage companies, insurance companies, or other financial institutions shall be punished in accordance with the provisions of the preceding paragraph.

Where a unit commits the crimes in the preceding two paragraphs, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the first paragraph.

Article 175 [Crime of usury on-lending; Crime of Fraudulently Obtaining Loans, Acceptance of Bills, or Financial Bills] Who, for the purpose of relending for profit, takes credit funds from financial institutions and re-lends them to others at usurious rates, and the amount of unlawful gains is relatively large, a sentence of up to three years imprisonment or short-term detention is to be given, and a fine of between 1 and 5 times the amount of unlawful gains is to be given; where the amount involved is huge, the sentence is between three and seven years imprisonment and a concurrent fine of between 1 and 5 times the amount of unlawful gains.

Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be sentenced to up to three years imprisonment or short-term detention.

12 installments with a total interest:

14658-11600=3058 yuan.

Annual interest rate: 3058 11600 100%.

The interest is 3058 yuan, which is equivalent to an annual interest rate, and the interest rate is a bit high, which belongs to usury.

Suppose it is an "equal principal and interest" repayment method;

Monthly repayment = 14300 12 = yuan.

Formula: Loan amount = monthly repayment amount * [1 - (1 + monthly interest rate) - number of months of repayment] monthly interest rate 10800 = monthly interest rate) -12] monthly interest rate.

Monthly interest rate =Annual interest rate =It belongs to "usury".

Monthly repayment = 54816 36 = yuan.

Loan amount = monthly repayment amount * [1 - (1 + monthly interest rate) - number of months of repayment] monthly interest rate 31600 = monthly interest rate) -36] monthly interest rate.

Monthly Interest Rate = Annual Interest Rate =

The annual interest rate is more than 36%, which is indeed "usury".

You're pretty good. Borrow 36,000 and repay more than 80,000.