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China legal tool Finance & lending National framework
Calculate principal, period interest and the judicial-protection ceiling using four times the one-year LPR in force when the private-loan contract was formed.
For qualifying private lending, the Supreme People’s Court generally protects agreed interest only up to four times the one-year LPR at contract formation. Agreed overdue interest is likewise subject to that ceiling. Interest deducted in advance does not automatically form part of recognized principal.
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