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问题
网贷多少年利率算违法
释义
律师分析:
网贷是网络贷款的简称,包括个体网络借贷(即P2P网络借贷)和网络小额贷款。P2P网贷是指个体和个体之间通过互联网平台实现的直接借贷。
年利率36%之内的利息均为合法,超过36%之外的部分,不受法律保护。
【法律依据】:
《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》借款利率超过年利率24%的部分不予支持,超过36%的部分必须返还,在24%至36%之间的部分若已经支付则不必返还。
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更新时间:2026/7/2 8:16:57