1. Is the interest of 10,760 yuan a year on a loan of 40,000 yuan a black Internet loan?

According to the "Guiding Opinions on Regulating the Asset Management Business of Financial Institutions" issued by the People's Bank of China, personal lending interest rates shall not exceed the annual interest rate of 36%. If the annual interest rate of a loan is 10,760 yuan, then the loan principal should be no less than 29,888.89 yuan. If the loan is obtained from a formal financial institution (such as a bank, trust company, etc.), it is illegal for the interest rate to exceed 36%. If this loan comes from an illegal black online loan platform, there is a serious violation of law.

Therefore, if the loan comes from formal channels, it cannot be regarded as a dark web loan; but if the loan comes from an illegal dark web loan platform, it is high-interest lending and is illegal. What needs to be reminded is that in any case, borrowers should choose carefully when considering a loan and beware of scams.

2. How to get a regular loan with low interest rate? The interest rates for borrowing money from these channels are very low

In daily life, people will always have money on hand due to various reasons. They either ask relatives and friends for money, or they can only go to the bank. Or apply for a loan from a private institution. And for many borrowers, low loan interest rates are best. How to get a regular loan with low interest rate? The interest rates for borrowing money from these channels are very low.

How to repay regular loans with low interest rates? 1. Employee Loan If the borrower's workplace is relatively good, or even some top manufacturers, you can actually apply for an interest-free employee loan. There are many banks or financial institutions that actually cooperate with these large companies and will provide interest-free loans to employees who meet the conditions, which is a very good employee benefit. Generally, the amount of this type of loan is between 10-100 yuan, depending on the years of employment and job position. The interest on the loan is either very low or interest-free. The disadvantage is that the loan needs to be paid off before leaving the job. 2. Credit card loan If the borrower does not want to waste time going to the bank to apply for a loan, and feels that the interest rates on the market are high, he or she can apply for a credit card loan directly in the APP. Generally, a single credit card can lend less than 80% of the credit card limit. Properly used, the annualized interest rate is around 4%. 3. Mortgage loan The interest rate of mortgage loan is relatively low among many loan products. Borrowers need to complete all processes, including flow, payment, etc. Generally, the annualized interest rate is around 10%, and the repayment method can be interest first and then principal or equal amounts of principal and interest. For example, in first-tier cities where houses cost tens of millions, it is no problem to lend out tens of millions. The above is the sharing of relevant content on "How to repay regular loans with low interest rates". I hope it can help everyone!

3. How to write loan interest more correctly?

1. How to write loan interest more correctly?

1. Interest is optional

The parties may agree or not agree on the interest in the loan contract.

According to the provisions of the Contract Law, loan contracts are the product of party autonomy, and the law does not interfere much. When agreeing on the interest rate in a loan contract, it is completely determined through negotiation between the parties.

2. The interest rate shall not exceed the legal provisions.

The highest interest rate shall not exceed four times the bank’s loan interest rate for the same period.

Article 6 of the "Several Opinions of the Supreme People on the People's Trial of Loan Cases" stipulates:

The interest rates for private loans can be appropriately higher than those of banks, and people in various places can apply for loans based on the local conditions. The actual situation should be understood in detail, but the maximum should not exceed four times the bank's similar loan interest rate (including the principal amount of interest rate). If this limit is exceeded, the excess interest will not be protected.

Specific methods for determining interest in loan contracts

1. If the parties have an agreement on interest and interest rates, they shall be handled in accordance with the contract.

2. If the parties to a private lending contract agree on an interest rate, the agreed interest rate may be appropriately higher than the bank loan interest rate, but shall not be higher than the national regulations on limiting borrowing interest rates. According to judicial interpretations, the interest rate for private loans shall not exceed four times the interest rate for similar bank loans (including the principal interest rate). If this limit is exceeded, the excess interest will not be protected.

3. The parties involved in private lending shall not agree on the calculation of compound interest. The Supreme People's Judicial Interpretation pointed out that lenders are not allowed to include interest into the principal to seek high profits. During the trial, it is found that if the creditor includes interest into the principal to calculate compound interest, and the interest rate exceeds four times the bank's interest rate for similar loans, the excess interest will not be paid. Protect.

4. If the private loan contract does not stipulate the payment of interest or the stipulation is unclear, it will be deemed that no interest has been paid.

To sum up, in the current Internet era, you can borrow money through various channels. If the bank cannot lend, you can borrow money privately. The interest on the loan, if it is four times higher than that of the bank, times, it falls within the category and is illegal. Borrowing is allowed within a reasonable range. You can also borrow money from Internet products, but you also need to pay interest, which is generally higher than that of banks.

Extended reading:

How much interest is calculated and how to calculate the interest?

What to do if the interest is not agreed upon when borrowing money

How much interest is there in 2018? Calculate?

4. How to get a lower loan interest rate

Provident fund loans are still relatively low. Other commercial loans are relatively high.