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问题
网贷年利率超过多少算违法
释义
1、网贷利息约定的利率超过网贷合同成立时一年期贷款市场报价利率四倍的违法,不受法律保护。
2、出借人与借款人既约定了逾期利率,又约定了违约金或者其他费用,出借人可以选择主张逾期利息、违约金或者其他费用,也可以一并主张,但是总计超过合同成立时一年期贷款市场报价利率四倍的部分,人民法院不予支持。
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》第二十六条、第三十条
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更新时间:2026/1/30 13:52:24