The issue of interest on borrowing money, how to deal with the interest in the process of borrowing

From October 2005 to October 2007, the interest rate in October this year is: 4000 * (1 + yuan.

From October to December 2007, the interest for the three months adjusted on December 21 is calculated as: 4360*(1+RMB.)

Therefore, according to the above interest rate, a total of RMB needs to be exchanged.

If 2005 to 2007 is calculated according to the interest rate in October 2005, it is: 4000 * (1 + yuan.

The interest rate for the three months from October to December 2007 is calculated according to the interest rate in October 2007 as follows: 4216 * (1 + yuan.

If it is more than three and a lot, it is calculated as half a year

4216*(1+RMB.)

1% interest per year.

4,000 yuan a year is 100 yuan, 2 years of interest is 200 yuan, 2 months is about 20 yuan less, a total of less than 220 yuan.

It's hard to calculate, the bank has lowered the interest rate several times.

1. Where there is no agreement on interest in the loan contract relationship, and the lender claims to pay the interest during the loan period, the people's court will not support it. 2. In the case of a loan contract relationship between non-natural persons (between legal persons and legal persons or between units), where the agreement between the borrower and the lender on the loan interest is unclear, and the lender claims the interest, the people's court shall consider the content of the private loan contract and determine the interest on the basis of factors such as the local or the parties' transaction methods, trading habits, and market interest rates. 3. Where there is no agreed interest but the borrower voluntarily pays it, or voluntarily pays interest or liquidated damages in excess of the agreed interest rate, and does not harm the interests of the state, the collective, or a third party, the people's key court will not intervene.

Legal basis

According to Article 680 of the Civil Code, if there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest.

Agreement on interest when borrowing money: First, be sure to write the interest on the IOU, and secondly, agree on the amount of interest. The law stipulates that the interest rate agreed by both parties shall not be limited to the material and may exceed the one-year loan market interest rate at the time of the conclusion of the contract by four times, and the interest on the excess part shall be invalid.

After the most rubber tour, the agreed interest must be clear, and if the agreement is not clear, it will be deemed that there is no interest.

Legal basis

Article 26 of the Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Where the lender requests the Tongye 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.

Legal analysis: 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 according to the local or the parties' transaction methods, trading habits, market interest rates and other factors; Where natural persons borrow money between themselves, it is deemed that there is no interest.

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

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 and the interest shall be calculated according to the actual amount borrowed.

Article 680:Usurious lending is prohibited, and the interest rate on loans must 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 transaction methods, trading habits, and market interest rates of the local or sensitive parties; Where natural persons borrow money between themselves, it is deemed that there is no interest.

1.There is no written contract between you, and the other party cannot claim interest from you if you do not recognize it.

2.If you admit that the other party claims interest, you are also a natural person loan. The Contract Law has the following provisions on interest:

According to the provisions of the Contract Law, the special rules for loan contracts between natural persons are as follows: 1. A loan contract between natural persons is a non-formal contract, and the form of the loan contract may be agreed upon by the parties. 2. If there is no agreed interest on the loan between natural persons, it shall be regarded as a free loan.

3 The interest rate of repaid loans between natural persons shall not be higher than the statutory limit. The Several Opinions on the Trial of Lending Cases by the People's Courts issued by the Supreme People's Court stipulate that the interest rate of private lending may be appropriately higher than the interest rate of banks, but the maximum shall not exceed four times the interest rate of similar loans of banks; Compound interest is not allowed.

Rolling interest itself is illegal.

Moreover, if it is an oral agreement on interest, it is not determined as the other party wants, and if you do not recognize the agreement with interest, the interest is not legally recognized, so don't worry too much.

There is no written contract in your advantage, as long as you do not admit that there is any verbally agreed interest, it will be treated as interest-free.

1. If your principles of life allow, you can not recognize it.

2. There may be evidence of recording.

3. If the interest rate is agreed, it shall be agreed, but it shall not be too high.

1500 * yuan (one-year interest), 42 2 = 21 yuan interest for half a year. To be honest, it is not high, it is suggested: consider the bank's capital-guaranteed wealth management products, and recently compared the products of China Merchants Bank and GF can also be 3 months and half a year The interest rate is around.

Compared with yours, the difference is yuan, more income is in, less money can't be seen, more is considerable. Personal screenshot of China Merchants Bank for reference:

For 33 days, 180,000 * 2% 30 * 33 days = 3,960 yuan.

For 28 days, 100,000 * 2% * 30 * 28 days = yuan.

Total meta.

It is 33 days, 180,000 * 2% * 12 months 365 days * 33 days = yuan.

It is 28 days, 100,000 * 2% * 12 months 365 days * 28 days = yuan.

Total meta.