The loan period is 24 months

The loan amount is 35,214 yuan

The annual interest rate is 52.19325

This annual interest rate is gt; 36

Monthly repayment is 2392.94 yuan

Total interest is 22216.56 yuan

Total repayment is 57430.56 yuan

If the interest is calculated according to the annual interest rate limit of 36 stipulated by the state

Loan term 24 months

Loan amount 35,214 yuan

Monthly repayment 2,079.3 yuan

Total interest 14,689.1 yuan

Total repayment is 49903.1 yuan

Monthly repayment difference=2392.94-2079.3=313.64 yuan

Total interest difference=22216.56-14689.1=7527.46 yuan

1. Interest ≤ 24, supported by the People’s Court.

2.24lt; Interest ≤ 36, the borrower pays voluntarily and requires the lender to return it, but the People's Court will not support it.

3. The interest rate is >36. The interest agreement exceeding 36% 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 it.

Does it belong to Article 3 above? Hope it is adopted