The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate set by the People's Bank of China, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.
In 2004, the central bank released the floating range of bank loan interest rate, and the upper limit of bank loan interest rate was no longer limited, and the lower limit was 0.9 times of the benchmark interest rate. However, there is still an upper limit on the loan interest rate of credit cooperatives, which requires that the upper limit of the loan interest rate of credit cooperatives should not be higher than 2.3 times the benchmark interest rate.
2. Whether this interest rate is reasonable depends on whether it is higher than the interest rate implemented by other banks in the same industry and whether it conforms to the provisions of the People's Bank of China. So this interest rate is reasonable.
Three, the deposit is a certain amount of money paid before the conclusion or performance of the contract, as a guarantee.
The party paying the deposit is called the deposit payer, and the party accepting the deposit is called the deposit receiver.
Nature of the deposit: 1, which guarantees the performance of the contract and belongs to the secured debt; 2. Prove that the contract is established and has relative independence; 3. It has the nature of prepayment; 4. This deposit is the default deposit.
If the parties agree to pay the deposit as a guarantee for concluding the main contract, if the party paying the deposit refuses to conclude the main contract, it has no right to demand the return of the deposit; If the party receiving the deposit refuses to conclude a contract, it shall return the deposit twice.
However, you can negotiate with the developer to refund the deposit, and generally agree to refund it in full.