民间借贷月息3%,借了两年多,如果债务人要求返还高出银行4倍的利息,我要被返还吗? 法律上讲,民间借钱利息超过超过银行的四倍就属于非法的吗?

\u73b0\u5728\u6c11\u95f4\u8d37\u6b3e\u516c\u53f8\u90fd\u6536\u6708\u606f3%-6% \u4ed6\u4eec\u5df2\u7ecf\u9ad8\u8fc7\u94f6\u884c4\u500d\uff0c\u8fd9\u6837\u8bf4\u5c31\u662f\u4e0d\u5408\u6cd5\uff0c\u6211\u501f\u4e86\u94b1\u540e\u4e0d\u8fd8\u4e0d\u72af\u6cd5\u5417\uff1f

\u6c11\u95f4\u8d37\u6b3e\u516c\u53f8\u505a\u5f97\u5f88\u806a\u660e\u7684\uff0c\u6bd4\u5982\u8d37\u6b3e100\u4e07\uff0c\u501f2\u4e2a\u6708\uff0c4%\u6bcf\u6708\uff0c\u90a3\u5176\u5b9e\u4f60\u62ff\u5230\u624b\u53ea\u670992\u4e07\uff0c\u5229\u606f\u4ed6\u4eec\u65e9\u5c31\u6263\u6389\u4e86\uff0c\u4f46\u662f\u501f\u6761\u5199\u5f97100\u4e07\uff0c\u7b49\u4e8e\u6ca1\u6709\u6536\u4f60\u5229\u606f\uff0c\u6240\u4ee5\u4ed6\u4eec\u4e0d\u8fdd\u6cd5

\u4f60\u8981\u662f\u8d85\u8fc7\u4e862\u4e2a\u6708\uff0c\u4ed6\u4eec\u5c31\u8d77\u8bc9\u4f60\u6536\u4f60\u623f\u5b50

\u3000\u3000\u6309\u5b9e\u9645\u60c5\u51b5\uff0c\u73b0\u884c\u7684\u76f8\u5173\u89c4\u5b9a\u5bf9\u6c11\u95f4\u501f\u8d37\u7684\u5229\u606f\u8fdb\u884c\u91cd\u65b0\u89c4\u5b9a\uff0c\u8bf7\u81ea\u884c\u6309\u65b0\u7684\u89c4\u5b9a\u6838\u5b9e\u81ea\u8eab\u60c5\u51b5\u662f\u5426\u53d7\u5230\u6cd5\u5f8b\u4fdd\u62a4\u3002
\u3000\u3000\u76f8\u5173\u89c4\u5b9a\u300a\u6700\u9ad8\u4eba\u6c11\u6cd5\u9662\u5173\u4e8e\u5ba1\u7406\u6c11\u95f4\u501f\u8d37\u6848\u4ef6\u9002\u7528\u6cd5\u5f8b\u82e5\u5e72\u95ee\u9898\u7684\u89c4\u5b9a\u300b
\u3000\u3000\u7b2c\u4e8c\u5341\u4e94\u6761 \u501f\u8d37\u53cc\u65b9\u6ca1\u6709\u7ea6\u5b9a\u5229\u606f\uff0c\u51fa\u501f\u4eba\u4e3b\u5f20\u652f\u4ed8\u501f\u671f\u5185\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u4e0d\u4e88\u652f\u6301\u3002
\u3000\u3000\u81ea\u7136\u4eba\u4e4b\u95f4\u501f\u8d37\u5bf9\u5229\u606f\u7ea6\u5b9a\u4e0d\u660e\uff0c\u51fa\u501f\u4eba\u4e3b\u5f20\u652f\u4ed8\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u4e0d\u4e88\u652f\u6301\u3002\u9664\u81ea\u7136\u4eba\u4e4b\u95f4\u501f\u8d37\u7684\u5916\uff0c\u501f\u8d37\u53cc\u65b9\u5bf9\u501f\u8d37\u5229\u606f\u7ea6\u5b9a\u4e0d\u660e\uff0c\u51fa\u501f\u4eba\u4e3b\u5f20\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u5e94\u5f53\u7ed3\u5408\u6c11\u95f4\u501f\u8d37\u5408\u540c\u7684\u5185\u5bb9\uff0c\u5e76\u6839\u636e\u5f53\u5730\u6216\u8005\u5f53\u4e8b\u4eba\u7684\u4ea4\u6613\u65b9\u5f0f\u3001\u4ea4\u6613\u4e60\u60ef\u3001\u5e02\u573a\u5229\u7387\u7b49\u56e0\u7d20\u786e\u5b9a\u5229\u606f
\u3000\u3000\u7b2c\u4e8c\u5341\u516d\u6761 \u501f\u8d37\u53cc\u65b9\u7ea6\u5b9a\u7684\u5229\u7387\u672a\u8d85\u8fc7\u5e74\u5229\u738724%\uff0c\u51fa\u501f\u4eba\u8bf7\u6c42\u501f\u6b3e\u4eba\u6309\u7167\u7ea6\u5b9a\u7684\u5229\u7387\u652f\u4ed8\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u5e94\u4e88\u652f\u6301\u3002
\u3000\u3000\u501f\u8d37\u53cc\u65b9\u7ea6\u5b9a\u7684\u5229\u7387\u8d85\u8fc7\u5e74\u5229\u738736%\uff0c\u8d85\u8fc7\u90e8\u5206\u7684\u5229\u606f\u7ea6\u5b9a\u65e0\u6548\u3002\u501f\u6b3e\u4eba\u8bf7\u6c42\u51fa\u501f\u4eba\u8fd4\u8fd8\u5df2\u652f\u4ed8\u7684\u8d85\u8fc7\u5e74\u5229\u738736%\u90e8\u5206\u7684\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u5e94\u4e88\u652f\u6301\u3002
\u3000\u3000\u7b2c\u4e8c\u5341\u4e03\u6761 \u501f\u636e\u3001\u6536\u636e\u3001\u6b20\u6761\u7b49\u503a\u6743\u51ed\u8bc1\u8f7d\u660e\u7684\u501f\u6b3e\u91d1\u989d\uff0c\u4e00\u822c\u8ba4\u5b9a\u4e3a\u672c\u91d1\u3002\u9884\u5148\u5728\u672c\u91d1\u4e2d\u6263\u9664\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u5e94\u5f53\u5c06\u5b9e\u9645\u51fa\u501f\u7684\u91d1\u989d\u8ba4\u5b9a\u4e3a\u672c\u91d1\u3002
\u3000\u3000\u7b2c\u4e8c\u5341\u516b\u6761 \u501f\u8d37\u53cc\u65b9\u5bf9\u524d\u671f\u501f\u6b3e\u672c\u606f\u7ed3\u7b97\u540e\u5c06\u5229\u606f\u8ba1\u5165\u540e\u671f\u501f\u6b3e\u672c\u91d1\u5e76\u91cd\u65b0\u51fa\u5177\u503a\u6743\u51ed\u8bc1\uff0c\u5982\u679c\u524d\u671f\u5229\u7387\u6ca1\u6709\u8d85\u8fc7\u5e74\u5229\u738724%\uff0c\u91cd\u65b0\u51fa\u5177\u7684\u503a\u6743\u51ed\u8bc1\u8f7d\u660e\u7684\u91d1\u989d\u53ef\u8ba4\u5b9a\u4e3a\u540e\u671f\u501f\u6b3e\u672c\u91d1\uff1b\u8d85\u8fc7\u90e8\u5206\u7684\u5229\u606f\u4e0d\u80fd\u8ba1\u5165\u540e\u671f\u501f\u6b3e\u672c\u91d1\u3002\u7ea6\u5b9a\u7684\u5229\u7387\u8d85\u8fc7\u5e74\u5229\u738724%\uff0c\u5f53\u4e8b\u4eba\u4e3b\u5f20\u8d85\u8fc7\u90e8\u5206\u7684\u5229\u606f\u4e0d\u80fd\u8ba1\u5165\u540e\u671f\u501f\u6b3e\u672c\u91d1\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u5e94\u4e88\u652f\u6301\u3002
\u3000\u3000\u6309\u524d\u6b3e\u8ba1\u7b97\uff0c\u501f\u6b3e\u4eba\u5728\u501f\u6b3e\u671f\u95f4\u5c4a\u6ee1\u540e\u5e94\u5f53\u652f\u4ed8\u7684\u672c\u606f\u4e4b\u548c\uff0c\u4e0d\u80fd\u8d85\u8fc7\u6700\u521d\u501f\u6b3e\u672c\u91d1\u4e0e\u4ee5\u6700\u521d\u501f\u6b3e\u672c\u91d1\u4e3a\u57fa\u6570\uff0c\u4ee5\u5e74\u5229\u738724%\u8ba1\u7b97\u7684\u6574\u4e2a\u501f\u6b3e\u671f\u95f4\u7684\u5229\u606f\u4e4b\u548c\u3002\u51fa\u501f\u4eba\u8bf7\u6c42\u501f\u6b3e\u4eba\u652f\u4ed8\u8d85\u8fc7\u90e8\u5206\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u4e0d\u4e88\u652f\u6301\u3002
\u3000\u3000\u7b2c\u4e8c\u5341\u4e5d\u6761 \u501f\u8d37\u53cc\u65b9\u5bf9\u903e\u671f\u5229\u7387\u6709\u7ea6\u5b9a\u7684\uff0c\u4ece\u5176\u7ea6\u5b9a\uff0c\u4f46\u4ee5\u4e0d\u8d85\u8fc7\u5e74\u5229\u738724%\u4e3a\u9650\u3002
\u3000\u3000\u672a\u7ea6\u5b9a\u903e\u671f\u5229\u7387\u6216\u8005\u7ea6\u5b9a\u4e0d\u660e\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u53ef\u4ee5\u533a\u5206\u4e0d\u540c\u60c5\u51b5\u5904\u7406\uff1a
\u3000\u3000\uff08\u4e00\uff09\u65e2\u672a\u7ea6\u5b9a\u501f\u671f\u5185\u7684\u5229\u7387\uff0c\u4e5f\u672a\u7ea6\u5b9a\u903e\u671f\u5229\u7387\uff0c\u51fa\u501f\u4eba\u4e3b\u5f20\u501f\u6b3e\u4eba\u81ea\u903e\u671f\u8fd8\u6b3e\u4e4b\u65e5\u8d77\u6309\u7167\u5e74\u5229\u73876%\u652f\u4ed8\u8d44\u91d1\u5360\u7528\u671f\u95f4\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u5e94\u4e88\u652f\u6301\uff1b
\u3000\u3000\uff08\u4e8c\uff09\u7ea6\u5b9a\u4e86\u501f\u671f\u5185\u7684\u5229\u7387\u4f46\u672a\u7ea6\u5b9a\u903e\u671f\u5229\u7387\uff0c\u51fa\u501f\u4eba\u4e3b\u5f20\u501f\u6b3e\u4eba\u81ea\u903e\u671f\u8fd8\u6b3e\u4e4b\u65e5\u8d77\u6309\u7167\u501f\u671f\u5185\u7684\u5229\u7387\u652f\u4ed8\u8d44\u91d1\u5360\u7528\u671f\u95f4\u5229\u606f\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u5e94\u4e88\u652f\u6301\u3002
\u3000\u3000\u7b2c\u4e09\u5341\u6761 \u51fa\u501f\u4eba\u4e0e\u501f\u6b3e\u4eba\u65e2\u7ea6\u5b9a\u4e86\u903e\u671f\u5229\u7387\uff0c\u53c8\u7ea6\u5b9a\u4e86\u8fdd\u7ea6\u91d1\u6216\u8005\u5176\u4ed6\u8d39\u7528\uff0c\u51fa\u501f\u4eba\u53ef\u4ee5\u9009\u62e9\u4e3b\u5f20\u903e\u671f\u5229\u606f\u3001\u8fdd\u7ea6\u91d1\u6216\u8005\u5176\u4ed6\u8d39\u7528\uff0c\u4e5f\u53ef\u4ee5\u4e00\u5e76\u4e3b\u5f20\uff0c\u4f46\u603b\u8ba1\u8d85\u8fc7\u5e74\u5229\u738724%\u7684\u90e8\u5206\uff0c\u4eba\u6c11\u6cd5\u9662\u4e0d\u4e88\u652f\u6301\u3002
\u3000\u3000\u7b2c\u4e09\u5341\u4e00\u6761 \u6ca1\u6709\u7ea6\u5b9a\u5229\u606f\u4f46\u501f\u6b3e\u4eba\u81ea\u613f\u652f\u4ed8\uff0c\u6216\u8005\u8d85\u8fc7\u7ea6\u5b9a\u7684\u5229\u7387\u81ea\u613f\u652f\u4ed8\u5229\u606f\u6216\u8fdd\u7ea6\u91d1\uff0c\u4e14\u6ca1\u6709\u635f\u5bb3\u56fd\u5bb6\u3001\u96c6\u4f53\u548c\u7b2c\u4e09\u4eba\u5229\u76ca\uff0c\u501f\u6b3e\u4eba\u53c8\u4ee5\u4e0d\u5f53\u5f97\u5229\u4e3a\u7531\u8981\u6c42\u51fa\u501f\u4eba\u8fd4\u8fd8\u7684\uff0c\u4eba\u6c11\u6cd5\u9662\u4e0d\u4e88\u652f\u6301\uff0c\u4f46\u501f\u6b3e\u4eba\u8981\u6c42\u8fd4\u8fd8\u8d85\u8fc7\u5e74\u5229\u738736%\u90e8\u5206\u7684\u5229\u606f\u9664\u5916\u3002

不会支持。当事人自治优先,已经还了的那部分不能再按银行贷款利率的4倍来计算,对于还没有还的部分,法院只能支持不超过银行贷款利率的4倍计算的利息,超过的按贷款利率的4倍计算。

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