借款月息3%合法嘛，是高利贷嘛？-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	借款月息3%合法嘛，是高利贷嘛？
释义	月息3%不合法。年利率=月利率12= 3%12= 36%。利息超过合同成立时一年期贷款市场报价利率的四倍的，就算是高利贷。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》第二十五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。前款所称“一年期贷款市场报价利率”，是指中国人民银行授权全国银行间同业拆借中心自2019年8月20日起每月发布的一年期贷款市场报价利率。
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