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一、民间借贷的利率可否高于银行?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),否则要受到限制和处罚。二、农民小额贷款利息是多少?问:目前农民们都忙着各种春耕,许多农户都准备贷款购买种子、农药、化肥,不知今春小额贷款利息是多少?答:从2004年10月29日起,银行贷款年利率6个月以内(含6个月)由5.04调整到5.22,6个月至1年(含1年)由5.31调整到5.58。信用社在国家规定的范围内贷款利率不超过国家规定的2.3倍。
First, private lending interest rates higher than the bank? Private lending interest rates may be higher than the bank interest rates, but up to four times the bank lending rate similar to four times (including the interest rate this number), otherwise be subject to restrictions and penalties. Q: At present, peasants are busy with all kinds of plowing and many peasants are preparing for loans to buy seeds, pesticides and fertilizers. What is the interest rate for small loans this spring? A: From October 2004 From the 29th, the annual interest rate of bank loans will be adjusted from 5.04 to 5.22 within 6 months (including 6 months), and 6 months to 1 year (including 1 year) will be adjusted from 5.31 to 5.58. Credit lending rates within the scope prescribed by the state shall not exceed 2.3 times the national provisions.