1. The fruits collected by creditors shall be paid off in the following order:
1, charge for the fruit;
2. Interest on principal creditor's rights;
3. Principal creditor's rights.
Second, the difference between fruit and interest.
1, with different definitions. Fruits refer to things or interests derived from original things, in other words, material interests obtained by civil subjects through legal channels. Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds.
2. The classification is different. Interest can be divided into two types according to the nature of banking business: bank interest receivable and bank interest payable. Fruits are divided into natural fruits and legal fruits. Natural fruit refers to the benefits obtained from the natural attributes of things, such as the fruit of trees, young animals born by female animals, hens and their eggs. Legal fruits refer to the income obtained by legal relationship.
3. The factors are different. Interest means that when the lender lends money, it is equivalent to delaying the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods to future goods, so there will be positive interest rates in the free market. Fruits are the material benefits obtained by civil subjects through legal channels.
Legal basis: Article 32 1 of People's Republic of China (PRC) Civil Code, natural fruits are obtained by the owner; If there is both the owner and the usufructuary right holder, it shall be obtained by the usufructuary right holder. Unless otherwise agreed by the parties, such agreement shall prevail. Legal fruits, if agreed by the parties, shall be obtained in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be obtained in accordance with the trading habits.