According to the formula of interest, interest = principal × annual interest rate × time. 30000× 21.9 %×1= 6570 yuan. So 1 year interest is 6570 yuan, and the annual interest rate reaches 2 1.9%, which is very high interest, not usury, so this interest rate is relatively high.

Interest refers to the money holder's reward from the borrower for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds.