Tall man. The monthly interest rate of the loan is 2.95, the annual interest rate is 35.4, and the one-year bank loan interest rate is about 10, which is too high. A monthly interest rate of more than 3% is usury, which is absolutely illegal; 2%-3% of the monthly interest belongs to the gray area, and the borrower may not have to pay it back, but the court will support it.