Campus usury is illegal. If the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the provisions of the state on limiting the interest rate of the loan. The interest exceeding the national provisions shall not be protected by law.
 [Legal Basis]
 Article 680 of the Civil Code prohibits usurious lending, and the interest rate of borrowing may not violate the relevant provisions of the State.
 If the loan contract does not stipulate the payment of interest, it shall be deemed that there is no interest.
 If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or parties' trading methods, trading habits, market interest rates and other factors; Borrowings between natural persons shall be deemed as interest free. (The effective date of the Civil Code is January 1, 2021)