If the repayment is equal every month, the principal and interest will gradually decrease in the future, so the total principal and interest will be much less than the principal ×2%× the number of months of borrowing. Specifically, the monthly principal should be (original capital-paid principal), and the monthly interest and other expenses should be ≤ (original capital-paid principal) ×2%. Belonging to illegal lending, routine loans and other illegal and criminal acts, only the paid-in principal is calculated, and interest and other expenses are not calculated.

Interest (sometimes in the name of management fees, etc. ) shall not be deducted in advance. If it is deducted in advance, it shall not be included in the principal (or offset the actually received principal). The law does not support excessive interest. If the management fee is not paid to the borrower, it will not be calculated as the principal. The principal amount of the borrower is determined according to the actual amount of funds received. The total amount of interest, management fees and other expenses shall not exceed 24% per year (2% per month), and the excess shall be deducted according to the facts (within 24% for absolute guarantee and 36% for relative guarantee). Deliberately lost, subsequent interest will not be calculated. Of course, if the other party illegally collects wealth, it is criminally responsible to investigate its illegality. Belonging to illegal lending, routine loans and other illegal and criminal acts, only the paid-in principal is calculated, and interest and other expenses are not calculated.