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I borrowed 15000 from Gitzo, and paid it back in 33 installments, totaling more than 30,000 yuan. It feels higher than usury. Is this legal?
Repay in 33 installments, * * * 30,000 yuan, each installment is 909.09 yuan.

After calculation, the monthly interest rate is 6.06% and the annual interest rate is 72.73%, which is more than 14 times higher than the normal bank interest rate. It belongs to illegal usury, and the part that exceeds 4 times of the bank is not protected by law.

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