Is it legal to borrow 10,000, repay 13,000 a year, and borrow 10,000 a year with an interest of 3,00

You can apply for a personal line of credit, and it is recommended that you choose a formal platform when applying to better protect your personal interests and information security. It is recommended that you use Youqianhua, Youqianhua is a credit service brand under Du Xiaoman Finance, a big brand is reliable, and the interest rate is low and trustworthy. If you have money to spend on the loan, the maximum amount you can borrow is up to 200,000 (click on the official amount.)

The daily interest rate of money is as low as 2 yuan, the minimum interest rate of borrowing 10,000 yuan a day, and the minimum interest rate of borrowing 50,000 yuan a day is 10 yuan, which supports early repayment, and has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security.

Application conditions to share money with you: 1. Age requirements: between 18 and 55 years old.

During the application process, you will need to provide your second-generation ID card and debit card. Note: Only debit cards are supported, and the application card is also your debit card.

My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, please borrow reasonably according to your needs, and the specific product-related information is subject to the actual page of Youqianhua's official app. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately! The maximum borrowing amount is 200,000.

If you are already a CMB user and have access to the China Merchants Bank mobile banking app, you can try to apply through this interface by logging in to the mobile banking and clicking "My" - "All" - "Loan" - "I want to borrow money". Generally, interest is calculated on a daily basis, and the interest rate you can apply for is subject to the interface.

Need funds to see my homepage every week.

Legal analysis: the principal is 10,000 yuan, the interest is 3,000 yuan, then the interest rate of your loan is: 3,000 10,000 = 30%, this interest rate looks like it is currently in the natural debt range, not usury, you can not fulfill 6% of the interest cost, that is, you can only pay 2,400 yuan of interest, and the remaining 600 yuan will not be paid, which is stipulated by Chinese law.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Article 25 Where the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the interest rate of the one-year loan market at the time of the conclusion of the contract.

The "one-year loan market ** interest rate" mentioned in the preceding paragraph refers to the one-year loan market ** interest rate authorized by the People's Bank of China to be released monthly by the National Interbank Lending Center from August 20, 2019.

It's high interest, not necessarily usury. 10,000 yuan with an annual interest rate of 3,000 yuan and an annual interest rate of 30%. According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, if the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, the people's court shall support the lender's request for the borrower to pay the interest in accordance with the agreement.

If the interest rate agreed between the borrower and the borrower exceeds 36% of the annual interest rate, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest that has already been paid in excess of 36% of the annual interest rate, the people's court shall support it.

The interest between 24% and 36% is actually called the "natural debt zone" by experts. The interest rate of 30% is located right in the middle of the natural debt zone. If the lender asks the borrower to pay 30% interest, if it goes through the court, the court will only uphold 24%.

If the lender tries to demand that the borrower pay the corresponding interest. If the borrower feels that the interest rate is a bit high, he will sue the court. Interest paid is not refundable.

The loan contract with 30% interest is valid, but the court does not support the interest of more than 24%. For borrowers, this part of the money is in the range that can be afforded or not. If the borrower feels that the interest rate is too high, repents or reneges on his promise, and the court can't do anything about it, he will protect 24%.

Legal analysis: If the annual interest rate of 10,000 yuan is 35%. According to the Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases issued by the Supreme People's Court on August 20, 2020, the core clause is to revise the original 24% legal protection clause to determine the upper limit of judicial protection of private lending interest rates based on four times the one-year loan market ** interest rate at the time of the conclusion of the contract.

Calculated at 4 times the latest LPR one-year interest rate, the upper limit of judicial protection for private lending interest rates is only.

Legal basis: Civil Code of the People's Republic of China

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Article 670 The interest on the loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual amount borrowed and the interest shall be calculated at the source.

Article 671: Where a lender fails to provide a loan on the date and amount specified in the agreement, causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan on the agreed date and amount, it shall pay interest on the agreed date and amount.

Article 672 The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide the lender with relevant financial and accounting statements or other materials on a regular basis in accordance with the agreement.

Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop disbursing the loan, withdraw the loan in advance, or terminate the contract.

It belongs to usury, the principal of 10,000 yuan, if the interest rate for one year is 3,000 yuan, it is converted into an annual interest rate of 30%, and the interest rate exceeds the one-year loan market interest rate at the time of the contract is four times, and the current one-year loan market interest rate is four times. <>

Hello, thank you for your consultation, please don't worry, according to your description for your analysis and answer: borrowing 10,000 a year interest 3000 is illegal! It belongs to the loan of 10,000 yuan, if the interest rate of one year is 3,000 yuan, it is converted into an annual interest rate of 30%, and the interest rate exceeds the one-year loan market interest rate at the time of the establishment of the contract by four times, and the current one-year loan market interest rate is four times.

Basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law and Respect in the Trial of Private Lending Cases Article 25 Where the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the interest rate of the one-year loan market at the time of the conclusion of the contract.

Summary. Legal analysis: The principal is 10,000 yuan and the interest is 3,000 yuan, then the interest rate of your loan is:

3000 10000 = 30%, the current bank loan interest for six months to one year (including 1 year) loan is, so the maximum interest on private loans is, you are a usury, you can not fulfill the interest cost, that is, you can only pay 582 yuan of interest, the remaining 2418 yuan will not be paid, which is stipulated by the law of our country.

Hello dear, happy to answer your <>

It is legal to borrow 10,000 a year with interest.

Legal analysis: the principal of 10,000 yuan in the morning, the interest rate of 3,000 yuan, then the interest rate of your loan is: 3,000 10,000 = 30%, the current bank loan for six months to one year (including 1 year of hail) loan interest is, so the maximum interest of private loans is, you are a usury, you can not fulfill the interest cost, that is, you can only pay 582 yuan of interest, the remaining 2418 yuan will not be paid, which is stipulated by China's law.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Article 25 Where the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the interest rate of the local loan market for one year at the time of the conclusion of the contract.

Legal analysis: This is unreasonable, and a loan with an annual interest rate of more than 36% is a loan shark, and the excess part is not protected by law. According to the relevant laws and regulations of the state, the interest rate agreed between the borrower and the borrower does not exceed 24%, and the interest generated by the loan is legal interest and is protected by law; If the interest rate agreed between the borrower and the borrower is between 24% and 36%, the interest is not protected by the court, and the lender cannot claim that the borrower should be required to pay interest at the agreed interest rate; If the agreement between the borrower and the borrower exceeds 36%, then the agreement is invalid, and the party can also request a refund if the interest has been paid.

Legal basis: Article 667 of the Civil Code of the People's Republic of China A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

Borrowing 10,000 for three years and repaying 16,000 with interest, the annual lead interest rate is only, which is lower than the annual interest rate of 24% stipulated by the Supreme Court, which is not considered usury.

Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases stipulates that if the interest rate agreed between 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 the grinding of the head.

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 that the lender return the part of the interest paid by the lender that exceeds 36% of the annual interest rate, the people's court shall support it.

Is it reasonable to repay more than 16,000 after three years?

If you borrowed it from a friend, then the extra 6,000 or so arguments are reasonable if you voluntarily want to give more.

Because the principal and interest are 14,000 yuan in total, the interest width is 14,000-10,000 = 4,000 yuan, so the annual interest rate is cautious = 4,000 (10,000 3) =, that is, the front shield, not counted.