Relevant legal basis: in lending, private lending is the most likely conflict of interest between borrowers and lenders. For the interest disputes of private lending, we can refer to the clear provisions of the Civil Code: First, according to the principle of good faith, if there is no interest in the loan contract, it has the nature of free lending to a certain extent. If the debtor repays the loan before the expiration of the loan period, or if the repayment period is not agreed, and the creditor demands repayment within a reasonable period, no interest shall be paid. Second, if there is a dispute after the borrower and lender agree on the interest rate standard, the interest rate standard can be determined within the standard of not exceeding 4 times the interest rate of similar loans of banks. Excess interest is not guaranteed. Third, in interest-bearing lending, the interest rate can be appropriately higher than the bank interest rate, and the interest rate agreed by both borrowers and lenders does not exceed the annual interest rate of 24%. If the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum. Fourth, it is clearly stipulated in the "Several Opinions on People's Courts Hearing Loan Cases"; The lender shall not include the interest in the principal to calculate compound interest, otherwise it will not be protected by law. This provision is punitive in judicial practice. If you violate this provision, you may be sentenced by the court to pay interest according to the loan interest rate for the same period. Then, the multiple you agreed at the beginning may be claimed or unclaimed. Fifth, if there is a dispute between the parties over the borrowing of foreign currency or Taiwan dollars, the lender may allow it to be repaid in the same currency. If the borrower does not have the same currency, he can repay it in RMB with reference to the foreign exchange rate at the time of repayment. If the lender requests to pay interest, it may calculate the interest with reference to the foreign currency savings rate of China Bank.