Legal analysis: calculate. The legal interest rate judicial red line includes "two lines and three districts": more than 36% of the first district is not guaranteed; In the second district, more than 24% to 36% of natural debts are analogized. If you give it, you can't claim to return it. If you don't give it, you can't claim it. Less than 24% of the third district belongs to legal interests and should be protected. As long as the loan interest rate exceeds or in disguised form exceeds the interest rate stipulated by the state, it constitutes usury. The loan interest rate can be appropriately higher than the national bank loan interest rate, but it cannot exceed the maximum limit prescribed by law, otherwise it will constitute usury.

Legal basis: Article 24 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases. If the borrower and the lender have not agreed on interest, the people's court will not support it. If the interest agreement between natural persons is unclear and the lender claims to pay interest, the people's court will not support it. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people's court shall determine the interest according to the contents of the private loan contract, the local or the parties' trading methods, trading habits, market quotation and other factors.