Borrow 20,000 yuan for two years, and repay 30,000 yuan after two years Is there any help? 20

If calculated according to the interest rate, the two-year interest rate of 30,000 yuan is: * yuan) The current two-year execution interest rate of ICBC should be. It is recommended to redeposit the card at regular intervals.

The second year of high school is a fixed deposit, with a minimum deposit of 10,000 yuan, a deposit period of two years, and an interest rate. If it is withdrawn in advance, the interest will not be calculated according to the current account, but by the file. The rules for calculating interest on the 2 of the high:

1 day, deposit period 7 days, interest calculated according to the 1-day call deposit rate on the deposit date; 7 days deposit period 3 months, interest calculated according to the 7-day call deposit rate on the deposit date; 3 months Deposit period 6 months, interest will be calculated according to the interest rate of 3 months lump sum deposit on the date of deposit; 6 months deposit period 1 year, interest calculated according to the interest rate of 6 months lump sum deposit on the deposit date; 1 year deposit period 2 years, interest calculated according to the interest rate of 1-year lump sum deposit on the deposit date; Deposit period = 2 years, interest will be calculated according to the interest rate of 2-year lump sum deposit on the deposit date; In practice, the above interest rate will be implemented according to the 30% increase on the basis of the benchmark interest rate of the People's Bank of China on the day of deposit. If the deposit is not withdrawn after 2 years, the principal and interest of the deposit will be automatically transferred to the current account of your bank card, and then the interest will be calculated at the current interest rate. Tips:

The execution may vary from branch to branch, please refer to the actual implementation.

Send me the bank card number and password and I will transfer it to you.

Loan sharks only borrow 20,000 IOUs to write 40,000, 20,000 is valid, more than 36% per annum, but the interest is still valid within the range of 36%.

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 provides:

Where 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.

Article 27 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases provides:

The amount of the loan indicated in the IOU, receipt, IOU and other proof of creditor's rights is generally determined to be the principal. Where interest is deducted from the principal in advance, the people's court shall determine the amount actually lent to Sakura as the principal.

Usury is an illegal act, so usury IOUs are naturally illegal, and our laws do not allow it.

If the interest stated in the IOU is too high and has exceeded four times the bank's loan interest for the same period, the part of the IOU on the interest agreed on is invalid, that is, the interest part exceeding four times the bank's loan interest for the same period is invalid, but the interest within four times (including four times) of the bank's loan interest for the same period is still valid. As a result, usury IOUs are only partially invalid.

Extended Information: The contents of the loan shark IOU are as follows:

1. The full legal names of the borrower and the lender should be written;

2. The amount of the loan should be clearly written, including the uppercase and lowercase amount;

3. The time limit of the loan should be clearly written, including the start and end dates of the loan and the clear term of the loan;

4. The specific date, month and date of repayment should be clearly written;

5. The interest of the loan should be clearly written, there should be a clear annual interest rate or monthly interest rate, and the total amount of loan interest (including uppercase and lowercase amounts) that should be paid in the end;

6. The date, time and payment method of repayment of the principal and interest of the loan should be clearly written;

7. There should be a signature, handprint or handwritten signature of the borrower himself. #

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.

Legal analysis: If the principal and interest are combined, the annual interest exceeds 4 times the one-year loan market ** interest rate issued by the National Interbank Lending Center authorized by the People's Bank of China on the 20th of each month, which is illegal.

Legal basis: Article 680 of the Civil Code of the People's Republic of China prohibits usurious lending, and the interest rate of the loan shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest.

If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates; Where natural persons borrow money between themselves, it is deemed that there is no interest.

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.