The loan amount is 20,000 yuan.

The annual interest rate is 59.33 16%.

This annual interest rate is > 36%

The monthly repayment is 3933.33 yuan.

The total interest is 3600 yuan.

The total repayment amount is 23,600 yuan.

If the interest is calculated according to the national annual interest rate ceiling of 36%

The loan period is June.

The loan amount is 20,000 yuan.

Monthly repayment is 36,965,438 yuan +0.95 yuan.

The total interest is 2 15 1.7 yuan.

The total repayment amount is 22 15 1.7 yuan.

Monthly repayment difference = 3933.33-3691.95 = 241.38 yuan.

Interest difference = 3600-2151.7 =1448.3 yuan.

1. Interest ≤24%, supported by the people's court.

2.24% & lt； If the interest is less than or equal to 36%, the borrower will pay voluntarily and ask the lender to return it, but the people's court will not support it.

3. If the interest rate is more than 36%, the interest agreement for the part exceeding 36% is invalid, and the people's court shall support the borrower to request the lender to return the paid interest with the annual interest rate exceeding 36%.

The above article 3 is applicable and we hope to adopt it.