Will you borrow money by credit card? As soon as you enter the Internet, your family members are passers-by. Many families have been online loan pit, a person to borrow online loan, the whole family suffered. So it's illegal to borrow more than the interest of online loan. So don't borrow online loan at will if you don't have to.
Article 211 of the contract law stipulates: 'if the loan contract between natural persons stipulates that interest shall be paid, the interest rate of the loan shall not violate the relevant provisions of the state on limiting the loan interest rate'. In other words, the online loan interest rate cannot exceed 4 times of the bank loan interest rate in the same period.
Like many ordinary young people, Li Lei is energetic and energetic, but he has no money. But he has a restless heart. Once he graduated, he started his own business. Tossing and turning, the wallet is so tossed that it can't even afford bread.
Li Lei, who has no face to see Jiangdong's father, has no courage to ask his family to borrow money. At this time, the online loan platform, which is springing up like mushrooms, has become his Savior. Li Lei lost his sense and rushed in to borrow 300000 yuan as long as he mortgaged his ID card.
I would like to remind you that as long as you mortgage your ID card, you can borrow money online. Nine out of ten is usury. Online loan is not something you can borrow if you want to. At least you need to assess your repayment ability. Even riding a shared bike depends on your sesame credit score.
Li Lei, who planted a big hole in the Internet loan, knew that the loan was due, and the Internet loan urged the debt with a note, and saw the amazing interest. He just woke up. What should we do? Borrow 300000 yuan, and interest will be 150000 yuan in just half a year.
Desperate Li Lei asked the court for help. Lawyer tells, the regulation interest that net lends such is illegal, do not receive legal protection.
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 stipulates that: (1) if the interest rate agreed by both parties does not exceed 24% of the annual interest rate, and the lender requests the borrower to pay the interest at the agreed interest rate, the people's court shall support it; (2) if the interest rate agreed by both parties exceeds 36% of the annual interest rate, the interest agreement of the excess part shall be invalid; （3） If 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.
We can find relatives to find friends, or we can find a regular online loan platform to borrow money, but we can't rush to a doctor. If the creditor lends money to others and fails to repay the debt, he can find more than 20000 reminders from across the country to help him.
Net loan! Net loan! Can slow down our urgent need, can also destroy our family life.