Is the letter rich loan legal?
Xinerfu is a financial technology company dedicated to domestic consumer credit services. Since 20 10, he has been involved in peer-to-peer lending services and won many awards at home and abroad. It is a very reliable company, and of course its loan is legal.
Some friends suggested that although the interest rate of Xinfu Loan is very low, it charges a lot of platform fees, so some netizens posted their own contract details. The loan of 25,000 actually costs 9,000 platform fees, which is equivalent to the annual interest rate far exceeding the 36% usury rate stipulated by the state. Is such a letter-rich loan legal?
Actually this is a blind spot. Although Zhongfu wants to charge such a high platform fee, it has not actually been affirmed by law. Even if you have to go to court because of overdue, you don't have to pay the excess. Not to say that everyone is overdue, but to negotiate an appropriate amount with customer service to safeguard their legitimate rights and interests when they can't exchange money.