【“典”亮生活】借款合同中 应当如何支付利息？
<p style="max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"></p><p><section data-tools="135编辑器" data-id="97113" style="max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-width="100%" style="max-width: 100%;box-sizing: border-box;width: 677px;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;width: 55px;height: 55px;border-radius: 100%;overflow: hidden;text-align: center;overflow-wrap: break-word !important;"><img data-cropselx1="0" data-cropselx2="55" data-cropsely1="0" data-cropsely2="55" data-type="png" data-width="100%" data-ratio="1.6436170212765957" data-w="188" src="http://www.yongchuantong.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/GBLEIibaIUFV9vGgvnT6t9aBBhiaWIpdyrWVhqoMd3SYOzWFVnR2yaJX7BPDOlLDuKqBsWfHOq97wJbsLmaNtDgw/640?wx_fmt=png" style="box-sizing: border-box;overflow-wrap: break-word !important;visibility: visible !important;width: 55px !important;"/></section></section></section><section style="max-width: 100%;box-sizing: border-box;width: 0px;height: 15px;border-bottom: 15px solid rgb(229, 236, 255);border-right: 15px solid transparent;overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section><section style="max-width: 100%;background: rgb(229, 236, 255);border-bottom-left-radius: 15px;border-bottom-right-radius: 15px;border-top-right-radius: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-autoskip="1" style="padding: 1em;max-width: 100%;box-sizing: border-box;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;text-align: left;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;color: rgb(255, 104, 39);font-size: 16px;caret-color: red;text-align: center;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 0.5px;text-indent: 37px;box-sizing: border-box !important;overflow-wrap: break-word !important;"> 小司法律课堂之“典”亮生活系列第十四课来啦！</span></strong><span style="max-width: 100%;background-color: rgb(255, 240, 240);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;text-align: justify;box-sizing: border-box !important;overflow-wrap: break-word !important;"></span></p></section></section></section></section><section data-tools="135编辑器" data-id="101617" style="max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="padding: 6px;max-width: 100%;box-sizing: border-box;background-color: rgb(255, 240, 240);overflow-wrap: break-word !important;"><section data-autoskip="1" style="padding: 20px 15px;max-width: 100%;box-sizing: border-box;line-height: 1.75em;font-size: 14px;letter-spacing: 1.5px;border-width: 1px;border-style: dashed;border-color: rgb(242, 220, 219);overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;line-height: 2em;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="">随着我国社会主义市场经济发展逐渐向纵深推进，人民法院受理的经济纠纷案件不断增加，其中金融借款合同纠纷案件呈现激增态势，因借款合同产生的利息应当如何计算，国家又有哪些规定，让我们来看看本期案例。</span></p></section></section><section style="max-width: 100%;display: flex;justify-content: flex-end;align-items: flex-start;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -34px;margin-right: 6px;max-width: 100%;box-sizing: border-box;width: 40px;overflow-wrap: break-word !important;"><img data-ratio="1.702127659574468" data-type="png" data-w="47" data-width="100%" src="http://www.yongchuantong.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/GBLEIibaIUFU9Acceticrdib5x9sfQyiaqGpxicMMqqQzjEeD6ZbicsfibXJscSklic9F60u5T0TGeibjg26lXw05jfB9QQ/640?wx_fmt=png" style="box-sizing: border-box;display: block;overflow-wrap: break-word !important;visibility: visible !important;width: 40px !important;"/></section></section></section></section><section data-tools="135编辑器" data-id="97489" style="max-width: 100%;box-sizing: border-box;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;overflow-wrap: break-word !important;"><section style="margin: 10px auto;max-width: 100%;box-sizing: border-box;text-align: center;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;background-color: rgba(243, 244, 245, 0.157);color: rgb(233, 76, 52);overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;display: flex;justify-content: center;align-items: center;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgb(242, 180, 161);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section><section style="margin-right: 3px;margin-left: 3px;max-width: 100%;box-sizing: border-box;width: 24px;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;width: 24px;overflow-wrap: break-word !important;"><img data-type="png" data-width="100%" data-ratio="1.3421052631578947" data-w="38" src="http://www.yongchuantong.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/GBLEIibaIUFUkjLtcyp4Ss2N88MpeU8KxBrUSLon9oszyW5E6ad6bfh4WP2hWt4JoEMew3AaicAY8YUzEibrhmaLw/640?wx_fmt=png" style="box-sizing: border-box;overflow-wrap: break-word !important;visibility: visible !important;width: 24px !important;"/></section></section><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgb(242, 180, 161);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section></section><section style="margin-top: 1em;max-width: 100%;box-sizing: border-box;display: inline-block;overflow-wrap: break-word !important;"><section style="padding: 8px 1em;max-width: 100%;box-sizing: border-box;background-image: -webkit-linear-gradient(left, rgb(246, 83, 67), rgb(247, 149, 106));color: rgb(255, 255, 255);overflow-wrap: break-word !important;"><section data-brushtype="text" style="max-width: 100%;box-sizing: border-box;font-size: 16px;letter-spacing: 1.5px;font-weight: bold;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;">小司说案</span></p></section></section></section><section data-autoskip="1" style="margin-top: 12px;padding: 1em;max-width: 100%;box-sizing: border-box;font-size: 14px;letter-spacing: 1.5px;text-align: justify;line-height: 1.75em;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p style="text-align: center;"></p><p style="line-height: 2em;text-indent: 2em;"><span style="color: rgb(0, 0, 0);">2012年，万某向银行申请贷款20万元装修，约定贷款月利率1.65%，逾期利息按借款利率上浮30%计。2015年，因万某出现连续10个月存在逾期情形，银行将万某报送并列入不良征信记录后，诉请万某偿还余款6万余元，并主张按1.65%月利率上浮30%即2.145%计算逾期月利率。<br/></span></p><p style="line-height: 2em;text-indent: 2em;"><span style="color: rgb(0, 0, 0);">法院审理认为，万某逾期偿还借款，构成违约，应依双方合同约定承担违约责任。依最高人民法院《关于人民法院审理借贷案件的若干意见》第6条规定，民间借贷的利率可以适当高于银行的利率，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。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26条、第29条亦对民间借贷借款利率、逾期利率作出限定，约定年利率超出24%的，法院不予支持。虽然金融机构发放贷款并不适用上述规定，然而，相较于民间借贷，金融机构贷款利率应受到更为严格限制。本案中，万某账户已连续10个月存在逾期情形。银行根据其内部贷款风险控制制度，将逾期数为6期以上的无抵押个人贷款计为损失，并将万某账户申报为呆账，并无不当。银行有关信息登记行为既无不当，则万某关于银行应赔偿其信用损失主张，缺乏相应事实依据。故判决万某归还银行借款本金5万余元，万某按月利率1.98%支付银行逾期利息。</span></p></section></section><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgb(242, 180, 161);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section></section></section></section><section data-tools="135编辑器" data-id="97489" style="max-width: 100%;box-sizing: border-box;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;overflow-wrap: break-word !important;"><section style="margin: 10px auto;max-width: 100%;box-sizing: border-box;text-align: center;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;background-color: rgb(255, 251, 241);color: rgb(233, 76, 52);overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;display: flex;justify-content: center;align-items: center;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgb(242, 180, 161);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section><section style="margin-right: 3px;margin-left: 3px;max-width: 100%;box-sizing: border-box;width: 24px;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;width: 24px;overflow-wrap: break-word !important;"><img data-type="png" data-width="100%" data-ratio="1.3421052631578947" data-w="38" src="http://www.yongchuantong.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/GBLEIibaIUFUkjLtcyp4Ss2N88MpeU8KxBrUSLon9oszyW5E6ad6bfh4WP2hWt4JoEMew3AaicAY8YUzEibrhmaLw/640?wx_fmt=png" style="box-sizing: border-box;overflow-wrap: break-word !important;visibility: visible !important;width: 24px !important;"/></section></section><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgb(242, 180, 161);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section></section><section style="margin-top: 1em;max-width: 100%;box-sizing: border-box;display: inline-block;overflow-wrap: break-word !important;"><section style="padding: 8px 1em;max-width: 100%;box-sizing: border-box;background-image: -webkit-linear-gradient(left, rgb(246, 83, 67), rgb(247, 149, 106));color: rgb(255, 255, 255);overflow-wrap: break-word !important;"><section data-brushtype="text" style="max-width: 100%;box-sizing: border-box;font-size: 16px;letter-spacing: 1.5px;font-weight: bold;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;">小司说法</span></p></section></section></section><section data-autoskip="1" style="margin-top: 12px;padding: 1em;max-width: 100%;box-sizing: border-box;font-size: 14px;letter-spacing: 1.5px;text-align: justify;line-height: 1.75em;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin: 0pt;padding: 0pt;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;min-height: 1em;text-indent: 2em;line-height: 1.75em;"><section style="max-width: 100%;text-align: center;text-indent: 0em;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="max-width: 100%;box-sizing: border-box;line-height: 2em;overflow-wrap: break-word !important;"><section style="max-width: 100%;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></strong></p><section><strong><span style="color: rgb(0, 0, 0);">第六百七十条</span></strong><span style="color: rgb(0, 0, 0);"> 借款的利息不得预先在本金中扣除。利息预先在本金中扣除的，应当按照实际借款数额返还借款并计算利息。</span></section><section><strong><span style="color: rgb(0, 0, 0);">第六百八十条</span></strong><span style="color: rgb(0, 0, 0);"> 禁止高利放贷，借款的利率不得违反国家有关规定。</span></section><section><span style="color: rgb(0, 0, 0);">借款合同对支付利息没有约定的，视为没有利息。</span></section><section><span style="color: rgb(0, 0, 0);">借款合同对支付利息约定不明确，当事人不能达成补充协议的，按照当地或者当事人的交易方式、交易习惯、市场利率等因素确定利息；自然人之间借款的，视为没有利息。</span></section></section></section></section></section></section><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgb(242, 180, 161);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section></section></section></section><section data-tools="135编辑器" data-id="97489" style="max-width: 100%;box-sizing: border-box;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;overflow-wrap: break-word !important;"><section style="margin: 10px auto;max-width: 100%;box-sizing: border-box;text-align: center;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;background-color: rgb(255, 251, 241);color: rgb(233, 76, 52);overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;display: flex;justify-content: center;align-items: center;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgba(243, 244, 242, 0.196);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section><section style="margin-right: 3px;margin-left: 3px;max-width: 100%;box-sizing: border-box;width: 24px;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;width: 24px;overflow-wrap: break-word !important;"><img data-type="png" data-width="100%" data-ratio="1.3421052631578947" data-w="38" src="http://www.yongchuantong.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/GBLEIibaIUFUkjLtcyp4Ss2N88MpeU8KxBrUSLon9oszyW5E6ad6bfh4WP2hWt4JoEMew3AaicAY8YUzEibrhmaLw/640?wx_fmt=png" style="box-sizing: border-box;overflow-wrap: break-word !important;height: 32.2105px !important;visibility: visible !important;width: 24px !important;"/></section></section><section style="max-width: 100%;box-sizing: border-box;flex: 1 1 0%;height: 1px;background-color: rgba(243, 244, 242, 0.196);overflow: hidden;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section></section><section style="margin-top: 1em;max-width: 100%;box-sizing: border-box;display: inline-block;overflow-wrap: break-word !important;"><section style="padding: 8px 1em;max-width: 100%;box-sizing: border-box;background-image: -webkit-linear-gradient(left, rgb(246, 83, 67), rgb(247, 149, 106));color: rgb(255, 255, 255);overflow-wrap: break-word !important;"><section data-brushtype="text" style="max-width: 100%;box-sizing: border-box;font-size: 16px;letter-spacing: 1.5px;font-weight: bold;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;">小司提醒</span></p></section></section></section><section data-autoskip="1" style="margin-top: 12px;padding: 1em;max-width: 100%;box-sizing: border-box;font-size: 14px;letter-spacing: 1.5px;text-align: justify;line-height: 1.75em;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"></p><section style="margin: 12px 0pt 0pt;padding: 0pt;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;text-indent: 43px;line-height: 40px;max-inline-size: 100%;caret-color: rgb(255, 0, 0);min-height: 1em;outline: none 0px !important;"><section style="margin: 12px 0pt 0pt;padding: 0pt;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;line-height: 40px;max-inline-size: 100%;min-height: 1em;outline: none 0px !important;"><section><p style="text-indent: 2em;line-height: 2em;"><span style="color: rgb(0, 0, 0);">为了体现合同公平的原则，防止贷款人利用优势地位确定不平等的合同内容，法律明确规定，贷款人在提供借款时不得预先将利息从本金中扣除。如果贷款人违反法律规定，在提供借款时将利息从本金中扣除，那么借款人只需按照实际借款数额返还借款并计算利息。</span></p><p style="text-indent: 2em;line-height: 2em;"><span style="color: rgb(0, 0, 0);">借款的数额和利息是借款合同的主要内容。借款合同对支付利息没有约定的，则视为没有利息。借款合同对支付利息约定不明确的，当事人可以达成补充协议，按照补充协议确定利息；不能达成补充协议的，按照当地或者当事人的交易方式、交易习惯、市场利率等因素确定利息。自然人之间借款，对支付利息约定不明确的，视为没有利息。此外，法律禁止高利放贷，借款的利率不得违反国家有关规定。</span></p></section></section></section></section></section></section></section></p><link rel="stylesheet" href="http://www.yongchuantong.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v133_SkB" id="wcn_editor_css"/> 银行贷款最安全多学习有好处
我不得借钱给别个了
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