It's a usury. It's illegal to pay back 3,000 yuan and 10,000 yuan a month, which belongs to usury. This is just an illegal act. Simple usury does not constitute a crime 1. Generally speaking, usury refers to the loan behavior of asking for extremely high interest. We should pay attention to the following three issues when identifying usury: 2. In principle, the interest of private lending cannot exceed 4 times of the bank's interest rate for the same period. If it exceeds, it is usury, and the law does not protect it. 3. The legal boundary of usury should not simply take the bank's loan interest rate as the parameter, but should set the private lending guidance interest rate according to the actual situation in various places. Those who exceed the upper limit of the guiding interest rate constitute usury. If the agreed interest exceeds the statutory guidance interest rate, the excess is invalid, and the creditor has no right to request payment. 4. In practice, based on the principle of protecting legal loan relationship, which is conducive to production and stabilizing economic order, the specific loan relationship is analyzed in detail, and then whether it constitutes usury is determined. 5. Judging from the standard of defining usury, usury in private lending itself does not exist the problem of suspected crime. However, usury is not protected by national laws, and the law severely cracks down on usury. In addition, anyone who violates the criminal law in the process of usury should be investigated and punished according to law.