Should see brushstroke loan whether be belonged to usurious, the parallel case that the directest way sees its loan interest rate and the usurious interest rate that the country sets namely.
This pen loan interest rateCapital 10 thousand yuan, accrual 3000 yuan, so you the interest rate of this loan is: 3000/10000=30% , this interest rate looks to be in natural debt interval at present, do not calculate usurious, you need not be fulfilled among them the interest cost of 6% , namely you can pay 2400 yuan interest only, the rest does not grant 600 yuan to pay, this is regulation of place of our country law.
About the bounds of usurious interest rateOur country the bounds about usurious interest rate, the history that altogether experienced 3 times is changed, the earliest the bounds about usurious interest rate is with the corresponding period the bank borrows money of standard interest rate 4 times for bounds, exceed loan interest rate nevertheless of 4 times do not belong to usurious; Follow-up basis the metabolic circumstance of the market adjusts this limit directly again for this 24% fixed data; Released in top people court 2015 " about cognizance folk leasehold case applicable law the regulation of a certain number of problems " in the 26th regulation was made further again adjust, specific as follows:
The interest rate that leasehold both sides agrees did not exceed annual interest to lead 24 ％ , lender requests borrower to pay interest according to conventional interest rate, people court should grant to support. The interest rate that leasehold both sides agrees exceeds annual interest to lead 36 ％ , the accrual agreement that exceeds a share is invalid, borrower requests lender to return the interest that returns prepaid to exceed annual interest to lead 36 ％ part, people court should grant to support.That is to say, according to current and newest regulation for, if loan interest rate is in of 24% less than, the court is support, once borrower does not remand,owe principal and interest, lender can apply for to be carried out compulsively to borrower to the court; To the debt interval that in 24%-36% this interval belongs to nature, this part interest, the country no matter, do not pay to talk things over by borrower and lender proper motion, so I just say you can pay 2400 yuan only; To exceeding the share of 36% , the country maintains his to be usurious, do not grant to support, for instance your loan 10 thousand, the lender after a year should receive your 5000 yuan interest, 1400 yuan 3600 yuan when exceed, the country supports you to need not be returned, if the other side wants forcibly, you can sue him to the court.
So according to current and newest standard for, usurious interest rate limits our country to had turned into 36% , is not before 24% , accordingly you this of 30% still do not belong to usurious, the country won't run you.
The place on put together narrates: You lend 10 thousand money, a year accrual is 3000 yuan, more than 2400 yuan when the court supports 600 yuan, these 600 yuan if you are returned,did not pay, it is OK so need not pay; If you had paid, capable that you are wanting to come back with the other side, did not have ability to be able to admit only, because the country is,won't appear personally support you to get back these 600 yuan. So you do not calculate this usurious.
