1, useful. If the interest rate agreed between the borrower and the lender does not exceed the annual interest rate of 24%, and the lender requests to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If an individual requests the lender to return the interest paid in excess of 36% per annum, the public security department shall support it.

2. Legal basis: Article 27 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases.

After the borrower and the borrower settle the principal and interest of the previous loan, the interest will be included in the principal of the later loan, and the creditor's rights certificate will be reissued. If the interest rate in the early stage does not exceed four times the market quotation of the one-year loan when the contract is established, the amount specified in the reissued creditor's rights certificate can be confirmed as the loan principal in the later stage. The overcharged interest shall not be used as the loan principal in the future.

Second, is the gift warning useful?

Whether the gift warning is useful or not should be judged according to the specific situation. Suspected fraud can be reported to the local police station. Whether the anchor-induced gift brushing is fraud depends on whether it has the constitutive elements of fraud, and if it does, it constitutes fraud.

The elements of fraud are:

1, the object of infringement is the ownership of public and private property;

2. Objectively, it is characterized by using fraudulent methods to defraud a large number of public and private property;

3. Subjectively, it is direct and intentional, with the purpose of illegally occupying public and private property;

4. The subject is a general subject, and any natural person who has reached the legal age of criminal responsibility and has the ability of criminal responsibility can constitute this crime.