40 thousand, 8 thousand interest, half a year In other words, the annual interest rate is 40%, and the highest loan interest rate stipulated by national laws is four times that of bank loans! At present, the loan interest rate of bank 1 year is 6.56%, which is four times that of 26%. So on the surface, it has exceeded the limit of the highest interest rate and belongs to usury.

In fact, Zhongan is not stupid enough not to know this rule. Zhongan must have collected the account management fee or financing service fee in other names, and the interest rate agreed in the contract must be legal. Unless you have proof, it's actually illegal but it seems legal!