1. If there is an agreement on the interest during the loan period, and the monthly interest rate of 3% does not exceed 4 times the bank's loan interest rate for the same period, the court will protect it; There is no interest agreement outside the loan term, and it is not necessary to apply the interest agreement within the loan term;

2. The correct understanding of "four times the bank loan interest rate" is "four times the bank loan interest rate for the same period", so it can be calculated by stages; Another way of saying "quadruple" is that the court will protect it within quadruple, and you can achieve it through other channels if it exceeds quadruple;

3. This statement is correct;

4. No, whether it is interest or liquidated damages, it can only be agreed. Since there is no interest or liquidated damages beyond the loan term in the loan relationship in your, it cannot be understood that the upper limit is 4 times; You can't claim interest beyond the loan period because there is no agreement; But you can claim liquidated damages, but you have not agreed on the standard of liquidated damages, so according to the laws of our country, liquidated damages generally compensate for losses, and your losses are interest losses, so your liquidated damages can only be calculated according to the bank loan interest rate for the same period.