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民间借贷利率
来源:立马说法公众号 | 作者:肯萨财税法律事业部 | 发布时间: 2283天前 | 662 次浏览 | 分享到:
借款的年利率，按照三个区间处理。

借贷双方约定的利率未超过年利率24%，出借人请求借款人按照约定的利率支付利息的，人民法院应予支持。 借贷双方约定的利率超过年利率36%，超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的，人民法院应予支持。
简单来说：

1、     ≦24%的部分：合法

2、    24＜年利率≦36%的部分:已按照此利率还款的，利息不退还；没有偿还的，利息诉至法院只能按照24% 计算。

3、     ＞36%的部分:不受法律保护。起诉至法院，超出36%的利息不予支持；若借款人已经支付超出36%的利息，该部分构成不当得利，借款人可以请求返还。

 Where the interest rate agreed on by the borrower and the lender does not exceed 24% of the annual interest rate, and the lender requests the borrower to pay the interest based on the agreed interest rate, the people's court shall support such request.
Where the interest rate agreed on by the borrower and the lender exceeds 36% of the annual interest rate, the agreement on the excess part of the interest shall be invalid. Where the borrower requests the lender to return the part of interest exceeding 36% of the annual interest that has been paid, the people's court shall support such request.