How to calculate the interest of collier loan
N card directly ignores a card. To put it bluntly, it depends on the frequency and sp. the better the a card, the stronger the mining
the part more than 4 times will not be protected by law
it depends on how much the usury interest rate is, which depends on the agreement between the borrower and the lender<
latest loan interest rate table:
http://www.icbc.com.cn/ICBC/%E9%87%91%E8%9E%8D%E4%BF%A1%E6%81%AF/%E5%AD%98%E8%B4%B7%E6%AC%BE%E5%88%A9%E7%8E%87%E8%A1%A8/%E4%BA%BA%E6%B0%91%E5%B8%81%E8%B4%B7%E6%AC%BE%E5%88%A9%E7%8E%87%E8%A1%A8/
If the annual interest rate exceeds 36% (3.6 points), it is usury
According to 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, if the interest rate agreed by both parties does not exceed 24% per annum, and the lender requests the borrower to pay the interest according to the agreed interest rate, the people's court shall support itif the interest rate agreed by both parties exceeds 36% of the annual interest rate, the interest agreement for the excess part is invalid. If the borrower requests the lender to return the interest that has been paid in excess of 36% of the annual interest rate, the people's court shall support it
it can be seen from the above that since September 1, 2015, the Supreme People's court has implemented the provisions on Several Issues concerning the application of law in the trial of private lending cases, the standard of usury is no longer whether the annual interest rate exceeds 24%, but whether the annual interest rate exceeds 36%, that is to say, the annual interest rate does not exceed 36% does not belong to usury
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extended data
according to the notice of the people's Bank of China on banning underground banks and cracking down on usury,
private personal lending interest rate is determined by both sides through negotiation, but the interest rate negotiated by both sides shall not exceed the interest rate of the same period and the interest rate of the financial institutions announced by the people's Bank of China Four times the interest rate (excluding floating) of loans of the same grade. Those exceeding the above criteria should be defined as high interest lending
in the usury activities, if the usury loan and then usury loan reach a certain amount, it will constitute the crime of illegally absorbing public deposits; For the purpose of refinancing, taking the credit funds of financial institutions and transferring them to others at high interest, and the illegal amount is large, which constitutes the crime of refinancing at high interest; For the purpose of illegal possession, using fraud to raise funds illegally
If the amount is large, it will constitute the crime of fund-raising fraud; Usury can easily lead to illegal detention, kidnapping, injury, fraud and other criminal crimes; Private intermediary institutions and indivials legitimate income of their own funds high interest lending is private lending behavior, such as lending disputes, belong to the scope of civil adjustmentreference materials : China court website: provisions of the Supreme People's Court on Several Issues concerning the application of law in the trial of private lending cases
the price limit is generally about 4% (e to many varieties, and the exchange often modifies the relevant rules, subject to the announcement on the official website of the exchange), and the first day of listing is twice the price limit< 2. Financial Futures:
the price limit of CSI 300, SSE 50 and CSI 500 stock index futures is 10%, and the first day of listing and delivery date is 20%
the price limit of treasury bond futures is 1.2%, and the first day of listing and delivery is 2.4%
note: commodity futures prices in the same direction will increase the limit range correspondingly.
the interest rate is 14400-12000 = 2400
the annual interest rate is 2400 ÷ 12000 = 0.2
the annualized interest rate is 20%
it should not be regarded as usury in law
5-8%
different companies have different rates of increase in exchange handling charges, some of them add a few cents, some add a few pieces
all of our varieties only add 1 point
for the first time