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律师精评丨民间借贷:逾期利率
2023-03-14 11:22:52
民间借贷的逾期利率(违约金)。民间借贷大概率会发生逾期问题。(1)双方约定了逾期利率的,从约定,但是不得高于一年期贷款市场报价利率LPR四倍为限;(2)双方既未约定借期利率(含约定不明),也未约定逾期利率(含约定不明),借期内利息不支持,逾期利息人民法院支持;(3)双方约定了借期利率,但为约定逾期利率,逾期利率比照借期利率执行,人民法院支持。
刘怀玉律师摘编。![](data:image/png;base64,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)
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