The loan is 50,000 yuan, in addition to monthly interest, monthly customer service rate, monthly loan management rate, customer protection plan fee, etc. Can I still pay more than the national regulations? First of all, it is normal for loans to have interest, but high interest rates are not normal.

Secondly, the law does not prohibit the collection of customer service fees, loan management fees and handling fees, but these fees should be included in interest to calculate the loan interest rate.

Third, the comprehensive interest rate calculated by all fees and interests cannot exceed 24%. More than 24% can be said to exceed the legal provisions, so you have to calculate to see if it exceeds 24%.

Finally, if it exceeds 24%, only the principal can be repaid, but not the interest. It is required to negotiate with the other party to reduce the comprehensive rate to below 24%.

If you don't pay back, it's still a breach of contract in law, but you still have to pay back the principal.