借3000分12期还4200算高利息吗？-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	借3000分12期还4200算高利息吗？
释义	“保费”属于变相利息，按利息1200计算，这笔贷款的年利率67.18%，属于高利贷。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》第二十六条借贷双方约定的利率未超过年利率24%，出借人请求借款人按照约定的利率支付利息的，人民法院应予支持。借贷双方约定的利率超过年利率36%，超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的，人民法院应予支持。
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