The loan is 654.38+million yuan, and the total * * needs to pay back more than 26,000+90,000 yuan (take 95,000 yuan as an example here) = 1.2 1.000, which means the loan is 1.000 million yuan, and the interest is 2 1.000.

The annual interest rate paid off in one year: 2 1000 divided by 100000=0.2 1 (that is, the interest rate is 2 1%).

Annual interest rate paid off in two years: 2 1% divided by 2= 10.5%.

It is in line with the regulations that the annual interest rate does not exceed 24%.

According to the regulations, the interest rate agreed by the borrower and the lender shall not exceed the annual interest rate of 24%. The lender requires the borrower to pay interest at the agreed interest rate. The people's court should support it. The interest rate agreed by both borrowers and lenders exceeds the annual interest rate by 36%. The interest agreement in excess is invalid. The borrower requires the lender to return more than 36% annual interest. Part of my interest. The people's court should support it.

Annual interest rate over 36% is not protected.

The keywords of the above terms are 24% and 36% respectively. How to accurately understand these two keywords? 24% and 36% are actually three ranges of private lending rates. The first interval. Fourth, the scope under judicial protection refers to not protecting the interest rate of private lending that exceeds 24%. The second interval is not protected by justice? Its annual interest rate exceeds 36% of the private lending rate. Some courts that exceed the annual interest rate of 36% will consider it invalid. Not protected by justice. Borrower support. The money paid by the borrower shall be returned or deducted. The third range is the natural debt range, that is, the interest rate is between 24% and 36%. The interest calculated by this interest rate within this range belongs to the interest voluntarily performed by the parties to the natural debt within this range. If the borrower has paid, there is no need to return it. But there's no pay. Interest can only be calculated at the rate of 24%.

Choose a product that suits your interest rate.

In this way, whether the one-year interest rate is 2 1% or the two-year interest rate is 10.5%, it is proved that this interest rate is guaranteed. So, it's not usury!