Since it is overdue, the borrower should repay, and the lender has the obligation to collect the repayment. If the lender refuses to collect the principal, it can repay the loan by transferring it back to the borrower's original account or depositing it for notarization. In order to avoid disputes, it is suggested to keep relevant records, materials, bills and other evidence. If you resort to the law in the future, it can be proved that the borrower is no longer obliged to pay interest from the date when the borrower indicates repayment.

Usury refers to private lending that requires extremely high interest. It is generally believed that as long as the loan interest rate exceeds or in disguised form exceeds 4 times the bank loan interest rate in the same period, it constitutes usury. Usury itself is not a crime, but it is not protected by law.