Legal analysis: If the interest rate agreed between the borrower and the lender does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest according to the agreed interest rate, the people's court should support it. Therefore, as long as the bank's annual interest rate does not exceed 24% and the interest exceeds the principal, it is still valid and interest should be paid. If it exceeds, the interest is invalid and no interest is supported.

Legal basis: "Regulations of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases"

Article 26 The interest rate agreed upon by the borrower and the borrower does not exceed the annual interest rate of 24%. If the lender requests the borrower to pay interest according to the agreed interest rate, the people's court shall support it. If the interest rate agreed upon by both parties exceeds the annual interest rate by 36%, the excess interest agreement 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 the request.