年化利率21.6%是高利贷吗-民间借贷纠纷法律援助-法律咨询免费平台-国际律师联盟

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问题	年化利率21.6%是高利贷吗
释义	法律分析：2021年4月20日公布的一年期LPR是3.85%，四倍是15.4%。超出15.4%的部分算高利贷。未超过的，不算高利贷。法律依据：《关于审理民间借贷案件适用法律若干问题的规定》第二十六条出借人请求借款人按照合同约定利率支付利息的，人民法院应予支持，但是双方约定的利率超过合同成立时一年期贷款市场报价利率四倍的除外。
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