莫被“高利息”迷了眼，民间借贷这样降低风险
<p><br></p><section style="box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="text-align:center"></p><p style="text-align:center"><br></p></section></section></section></section><p style="text-align: center; max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;">民间借贷纠纷多，利息多少受法律保护？</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><br></p><p></p><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; box-sizing: border-box !important;"><section class="" data-tools="135编辑器" data-id="35362" data-color="rgb(30, 155, 232)" data-custom="rgb(30, 155, 232)" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section class="" style="margin-right: auto; margin-left: auto; padding: 1px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); font-size: 14px;"><section style="padding: 1px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); color: inherit;"><section class="" data-style="line-height:24px;color:rgb(89, 89, 89); font-size:14px" style="padding: 15px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); color: inherit;"><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; text-indent: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">2015年9月1日开始实施的<strong style="max-width: 100%; box-sizing: border-box !important;">《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》</strong>中提到：</span></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; text-indent: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></span></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; text-indent: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">借贷双方约定的利率未超过年利率24%，出借人请求借款人按照约定的利率支付利息的，人民法院应予支持。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; text-indent: 2em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; text-indent: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">出借人与借款人既约定了逾期利率，又约定了违约金或者其他费用的，出借人可以选择主张逾期利息、违约金或者其他费用，也可以一并主张，但总计超过年利率24%的部分，人民法院不予支持。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; text-indent: 2em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; text-indent: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">由此可见，<strong style="max-width: 100%; box-sizing: border-box !important;">民间借贷的利率在24%之内，受到法律的保护。</strong></span></p><p style="text-align:center"><span style="color: rgb(89, 89, 89); line-height: 24px;"></span></p></section></section></section></section></section><p></p><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;">对于资金出借人而言，如何降低风险？</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;">保留证据最重要</span></strong></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;">打官司就是打证据，对于出借人来讲，一定要保存收集好证据。</p><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;">需要特别说明的是：</span></strong></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><br></p><p></p><section class="" data-tools="135编辑器" data-id="35362" data-color="rgb(30, 155, 232)" data-custom="rgb(30, 155, 232)" style="max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; border: 0px none;"><section class="" style="margin-right: auto; margin-left: auto; padding: 1px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); font-size: 14px;"><section style="padding: 1px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); color: inherit;"><section class="" data-style="line-height:24px;color:rgb(89, 89, 89); font-size:14px" style="padding: 15px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); color: inherit;"><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">电子证据是可以作为证据来使用的。</span></strong><span style="max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important;">但是，这些证据与传统的证据有很大的不同，不仅数量大，而且也有可能被修改，或者说容易遗失。</span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important;">在实践中，法院通常在处理这类案件时，这些电子证据并不能单独使用，也就是说在法官判案的时候，他会结合其他的一些书证或者是其他的证据来对这些电子的信息进行比对，或者是说互相来印证，<span style="max-width: 100%; line-height: 28px; text-indent: 32px; box-sizing: border-box !important;">这样的才能最终做一个事实的判断。</span></span></p><p style="max-width: 100%; min-height: 1em; line-height: 24px; color: rgb(89, 89, 89); box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p></section></section></section></section><p></p><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;">借条书写要正规</strong></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; text-indent: 2em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;">大量的民间借贷是在熟人之间发生的，所以就写得很简单，通常是这样的：</p><p style="text-align:center"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;">这样的借条，很多具有法律作用的要素都没有，一旦发生争议，很多问题就没办法解决，对出借人十分不利。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;">具有法律作用的借条应该具有以下几个要素↓↓↓</strong></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br></p><p></p><section class="" data-tools="135编辑器" data-id="35362" data-color="rgb(30, 155, 232)" data-custom="rgb(30, 155, 232)" style="max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; line-height: 25.6px; border: 0px none;"><section class="" style="margin-right: auto; margin-left: auto; padding: 1px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); font-size: 14px;"><section style="padding: 1px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); color: inherit;"><section class="" data-style="line-height:24px;color:rgb(89, 89, 89); font-size:14px" style="padding: 15px; max-width: 100%; box-sizing: border-box; border: 1px solid rgb(30, 155, 232); color: inherit;"><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></span></strong></span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">1、约定利率</span></strong></span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">如果不约定利率的话，按照现在的司法解释和法院处理的时间，有可能不支持出借人主张的利息，个别法院甚至会按照银行同期的借款，甚至是存款的利息给出借人。</span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">2、还款期限</span></strong></span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">对于借款人来说，借款期限的约定是一个约束。</span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">3、支付方式</span></strong></span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">支付方式很重要。如果是现金支付，最好在借条中要标识或者是有所写明。否则有可能出现这样的情况：</span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">甲借给一笔资金给乙后产生纠纷，乙说已经现金支付给甲，但甲说并未收到这笔钱。这时，法院就有比较大的自由裁量权了。</span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(192, 0, 0); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">4、写明违约条款</span></strong></span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">对于出借人来说，在约定还款期限后，再加上违约条款，借条会更完善。如：约定3个月还款，超出3个月利息涨10%。</span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;">违约条款能督促借款人还款，而且在未来诉讼的时候给出借人多一份保障。</span></p><p style="max-width: 100%; min-height: 1em; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 16px; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></span></p></section></section></section></section><p></p><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;">提示：</strong>写借条如果注意到以上四要素，实际上就形成一份比较完善的借款合同了。在此基础上，律师建议，将这份借款合同做公证，更有利于解决纠纷。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-family: 微软雅黑; font-size: 16px; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important;">因为我们国家法律上规定了公证债权文书的强制执行的效力。也就是说，假如这个借款人到期不还款了，出借人可以拿着这个公证的债权文书，直接去法院申请强制执行，这样就省掉了去法院诉讼的程序，方便出借人将来的维权或清偿。</p><p><br></p><p></p><section style="box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="color: rgb(160, 160, 160); box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="color: rgb(255, 76, 0);"><strong>◎来源：<span style="letter-spacing: 0px; line-height: 1.6; box-sizing: border-box;">央视社会与法（cctvshehuiyufa12）</span></strong></span></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p></p></section></section></section></section><p></p><p></p>
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