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贷款年化利率多少合法?
释义
法律分析:
民间借贷属于民事行为,受到民法和合同法的约束和保护。自然人之间的借款合同约定支付利息的,借款的利率不得违反国家有关限制借款利率的规定。借贷双方约定的利率未超过年利率24%,出借人有权请求借款人按照约定的利率支付利息;但如果借贷双方约定的利率超过年利率36%,则超过年利率36%部分的利息应当被认定无效。
法律依据:
《中华人民共和国民法典》 第六百七十九条 自然人之间的借款合同,自贷款人提供借款时成立。
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