As for the loan interest, our country's law has made a relatively clear stipulation, that is, the interest cannot exceed the annual interest rate of 36%, and those beyond the legal scope will generally be deemed invalid.
At this time, if the parties can't afford the usury, they can bring a lawsuit to the court through legal channels to determine that the usury is partially invalid. The debtor cannot repay the usury, and the creditor's repayment request is not protected by law, but the principal and reasonable interest are to be repaid.
Therefore, not all of them need to be returned, but those within the legal scope still need to be returned.
Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.