According to the latest Private Lending Law on September 1 2065438, if the interest rate agreed by both borrowers does not exceed the annual interest rate of 24%, and the lender requires the borrower to pay interest at the agreed interest rate, the people's court shall support it. B. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.

Therefore, the annual interest rate of 24% (two points interest) to 36% (three points interest) is a free bargaining range. Before a dispute arises, the agreed interest rate will be used. After the dispute goes to court, the residual interest rate is calculated at 24%. If it does not exceed 24%, it will definitely be protected by the law of the court. If it exceeds 36%, it will definitely not be protected by law.