Legal analysis: OK, it needs to be dealt with according to the contract. If the breach of contract can be dealt with according to the following provisions, if negotiation fails, it can be dealt with through litigation. Loan withholding without an agreement is illegal.

Legal basis: Article 680 of the "People's Liberation Army and Civil Code of the People's Republic of China" prohibits usury lending, and the interest rate for borrowing must not violate relevant national regulations.

If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest.

If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or parties' transaction methods, transaction habits, market interest rates and other factors; if the loan is between natural persons, it shall be deemed that there is no Interest.

"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" Article 25 If the lender requests the borrower to pay interest according to the interest rate agreed in the contract, the People's Court shall support it, but the parties agree Except for the interest rate exceeding four times the one-year loan market quote rate when the contract is established.

The "one-year loan market quoted interest rate" referred to in the preceding paragraph refers to the one-year loan market rate published monthly by the National Interbank Funding Center authorized by the People's Bank of China since August 20, 2019. Quoted interest rate.