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小额贷款合法正规吗
释义
小额贷款在银行滚运同期贷款利率四倍以内的属于合法利率,受法律保护;超过四倍的,属于高利贷,而高利贷的部分是不受法律保护的。
法律依据:
《最高桥稿人民法院关于人民法院审理借贷案件的若干意见》 第六条 民间借贷的利率可以适当高于银行的利率,各地人民法院可根据大消梁本地区的实际情况具体掌握,但最高不得超过银行同类贷款利率的四倍(包含利率本数)。超出此限度的,超出部分的利息不予保护。
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更新时间:2025/4/5 12:29:04