關於é‡åˆ©ç½?的大å°äº‹ï¼Œå¤§æšä»£æ›¸å¹«ä½ ä¸€ç¶²æ‰“ç›?/title> <atom:link href="//danaherbertts.shop/tag/%E9%87%8D%E5%88%A9%E7%BD%AA/feed/" rel="self" type="application/rss+xml" /> <link></link> <description></description> <lastBuildDate>Thu, 16 Jan 2025 02:30:22 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//danaherbertts.shop/wp-content/uploads/2021/01/icon-150x150.png</url> <title>關於é‡åˆ©ç½?的大å°äº‹ï¼Œå¤§æšä»£æ›¸å¹«ä½ ä¸€ç¶²æ‰“ç›?/title> <link></link> <width>32</width> <height>32</height> </image> <item> <title>é‡åˆ©ç½ªæ˜¯ä»€éº¼ï¼Ÿ5分é˜äº†è§£åˆ¤åˆ‘è¦ä»¶æœ‰å“ªäº?/title> <link>//danaherbertts.shop/offenses-of-usury/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Wed, 03 May 2023 07:31:14 +0000</pubDate> <category><![CDATA[法律知識]]></category> <category><![CDATA[é‡åˆ©ç½ª]]></category> <category><![CDATA[é‡åˆ©ç½ªåˆ¤åˆ‘]]></category> <category><![CDATA[é‡åˆ©ç½ªåˆ©çŽ‡]]></category> <category><![CDATA[é‡åˆ©ç½ªæ˜¯ä»€éº¼]]></category> <category><![CDATA[é‡åˆ©ç½ªæ§‹æˆè¦ä»¶]]></category> <category><![CDATA[é‡åˆ©ç½ªè¦ä»¶]]></category> <category><![CDATA[é‡åˆ©ç½ªè¨ˆç®—]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=37276</guid> <description><![CDATA[<p>é‡åˆ©ç½ªæ˜¯ä»€éº¼ï¼Ÿ5分é˜äº†è§£åˆ¤åˆ‘è¦ä»¶æœ‰å“ªäº?我們常說高利貸ã€åœ°ä¸‹éŒ¢èŽŠç‚ºéžæ³•æ¥­è€…，但你知é“單純的收å–較高利æ¯ä¸¦ä¸æ§‹æˆ?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/offenses-of-usury/">é‡åˆ©ç½ªæ˜¯ä»€éº¼ï¼Ÿ5分é˜äº†è§£åˆ¤åˆ‘è¦ä»¶æœ‰å“ªäº?/a> 最早出ç¾æ–¼ <a href="//danaherbertts.shop">大æšä»£æ›¸</a>ã€?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="37276" class="elementor elementor-37276" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-744a6608 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="744a6608" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-339b7726" data-id="339b7726" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-173c9b95 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="173c9b95" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e8cada5" data-id="e8cada5" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-469aa616 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="469aa616" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首é </a></span> » <span class="breadcrumb_last" aria-current="page">é‡åˆ©ç½?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-5ff5a495 elementor-widget elementor-widget-heading" data-id="5ff5a495" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½ªæ˜¯ä»€éº¼ï¼Ÿ5分é˜äº†è§£åˆ¤åˆ‘è¦ä»¶æœ‰å“ªäº?/h1> </div> </div> <div class="elementor-element elementor-element-17345d14 elementor-widget elementor-widget-image" data-id="17345d14" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury.webp" class="attachment-large size-large wp-image-57357" alt="é‡åˆ©ç½ªæ˜¯ä»€éº¼ï¼Ÿ5分é˜äº†è§£åˆ¤åˆ‘è¦ä»¶æœ‰å“ªäº?- 大æšä»£æ›¸" srcset="//danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury.webp 1024w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury-300x214.webp 300w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury-768x548.webp 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-558e0823 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="558e0823" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-e45a36e elementor-widget elementor-widget-text-editor" data-id="e45a36e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><em>我們常說高利貸ã€åœ°ä¸‹éŒ¢èŽŠç‚ºéžæ³•æ¥­è€…，但你知é“單純的收å–較高利æ¯ä¸¦ä¸æ§‹æˆé‡åˆ©ç½ªå—Žï¼Ÿé‡åˆ©ç½ªæ˜¯ä»€éº¼æ„æ€ï¼Ÿé‡åˆ©ç½ªåˆ©çŽ‡æœ‰å›ºå®šæ¨™æº–嗎？è®?strong>大æšä»£æ›¸</strong>帶你了解構æˆé‡åˆ©ç½ªçš„æ¢ä»¶å§ï¼</em></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-22f8e96e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="22f8e96e" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-52a9b628" data-id="52a9b628" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7c2379f9 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="7c2379f9" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5788289d" data-id="5788289d" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-5e1d7c3b elementor-widget elementor-widget-heading" data-id="5e1d7c3b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½ªæ˜¯ä»€éº?/h2> </div> </div> <div class="elementor-element elementor-element-325a9b7a elementor-widget elementor-widget-text-editor" data-id="325a9b7a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>一般所稱的高利貸其實就屬於é‡åˆ©ç½ªï¼Œä½†å–®ç´”的約定利æ¯é«˜ä¸¦ä¸ç¬¦åˆé‡åˆ©ç½ªæ§‹æˆè¦ä»¶ã€‚ä¾æ¡ˆä»¶æƒ…節，還å¯åˆ†ç‚ºã€Œé‡åˆ©ç½ªã€èˆ‡ã€ŒåŠ é‡é‡åˆ©ç½ªã€ã€?/p> </div> </div> <div class="elementor-element elementor-element-7d789728 elementor-widget elementor-widget-heading" data-id="7d789728" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½?/h3> </div> </div> <div class="elementor-element elementor-element-49142bf8 elementor-widget elementor-widget-text-editor" data-id="49142bf8" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344" target="_blank" rel="noopener">刑法§344æ¢?/a>ï¼?/p><ol><li><em>乘他人急迫ã€è¼•çŽ‡ã€ç„¡ç¶“驗或難以求助之處境，貸以金錢或其他物å“，而å–得與原本顯ä¸ç›¸ç•¶ä¹‹é‡åˆ©è€…，處三年以下有期徒刑ã€æ‹˜å½¹æˆ–科或併科三åè¬å…ƒä»¥ä¸‹ç½°é‡‘ã€?/em></li><li><em>å‰é …é‡åˆ©ï¼ŒåŒ…括手續費ã€ä¿ç®¡è²»ã€é•ç´„金åŠå…¶ä»–與借貸相關之費用ã€?/em></li></ol> </div> </div> <div class="elementor-element elementor-element-7fe90b81 elementor-widget elementor-widget-heading" data-id="7fe90b81" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">加é‡é‡åˆ©ç½?/h3> </div> </div> <div class="elementor-element elementor-element-32c778c4 elementor-widget elementor-widget-text-editor" data-id="32c778c4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344-1" target="_blank" rel="noopener">刑法§344-1æ¢?/a>ï¼?/p><ol><li><em>以強暴ã€è„…è¿«ã€æ嚇ã€ä¾µå…¥ä½å®…ã€å‚·å®³ã€æ¯€æã€ç›£æŽ§æˆ–其他足以使人心生ç•æ‡¼ä¹‹æ–¹æ³•å–å¾—å‰æ¢ç¬¬ä¸€é …之é‡åˆ©è€…，處六月以上五年以下有期徒刑，得併科五åè¬å…ƒä»¥ä¸‹ç½°é‡‘ã€?/em></li><li><em>å‰é …之未é‚犯罰之ã€?/em></li></ol> </div> </div> <div class="elementor-element elementor-element-163d9f50 elementor-widget elementor-widget-text-editor" data-id="163d9f50" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>下文主è¦ä»¥é‡åˆ©ç½ªä¾†ä»‹ç´¹ã€?/p> </div> </div> <div class="elementor-element elementor-element-41e07046 elementor-widget elementor-widget-heading" data-id="41e07046" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½ªæ§‹æˆè¦ä»?/h2> </div> </div> <div class="elementor-element elementor-element-6e6f2a8c elementor-widget elementor-widget-text-editor" data-id="6e6f2a8c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> é‡åˆ©ç½ªçš„法æ¢å…§å®¹ï¼Œåœ¨æ³•é™¢ä¸­çš„實務判斷標準大致如下ï¼? </div> </div> <div class="elementor-element elementor-element-47f9f54 elementor-widget elementor-widget-heading" data-id="47f9f54" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">他人急迫ã€è¼•çŽ‡ã€ç„¡ç¶“驗或難以求åŠ?/h3> </div> </div> <div class="elementor-element elementor-element-372b12a elementor-widget elementor-widget-text-editor" data-id="372b12a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li>急迫：借款人出於急需金錢的情æ³æˆ–壓力下進行借貸</li><li>輕率：借款人未經考慮，在沒有妥善è¦åŠƒè³‡é‡‘ã€è€ƒé‡è²¡å‹™çš„情æ³ä¸‹è‰çŽ‡å€Ÿè²¸ã€?/li><li>無經驗：借款人完全沒有社會借貸經驗ã€?/li><li>難以求助的處境：出於無奈，ä¸å¾—ä¸é€²è¡Œå€Ÿæ¬¾ã€?/li></ol> </div> </div> <div class="elementor-element elementor-element-778e5be elementor-widget elementor-widget-heading" data-id="778e5be" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">å–得與原本顯ä¸ç›¸ç•¶ä¹‹é‡åˆ©è€?/h3> </div> </div> <div class="elementor-element elementor-element-b57cd9a elementor-widget elementor-widget-text-editor" data-id="b57cd9a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>雖然我們一般èªå®šé‡åˆ©ç½ªè¨ˆç®—是以<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=B0000001&flno=205" target="_blank" rel="noopener">民法§205</a>：約定利率超é?6%為基準，<span class="f-point">但在法院實務判斷中，並éžè¶…éŽ16%者，都屬於構æˆé‡åˆ©ç½ªè¦ä»¶ï¼Œè€Œæ˜¯æœƒåœ¨åˆ¤æ–·ä¸Šæ–Ÿé…Œåƒè€ƒã€Œç•¶åœ°ç¶“濟與交易情æ³ç¶œåˆè€ƒé‡ã€?/span>。例如：以目å‰æ°‘間借貸放款利率約為月æ¯1%-3%，約為年æ?2%-36%，åƒè€ƒç›®å‰å¸‚場上的經濟交易情æ³ï¼Œä¸¦ä¸å±¬æ–¼é¡¯ä¸å¾—當的情æ³ï¼Œæ‰€ä»¥é‡åˆ©ç½ªä¸¦ä¸æˆç«‹ã€?/p><p>å¦å¤–，注æ„?span class="f-point">須「å–å¾—ã€èˆ‡åŽŸæœ¬é¡¯ä¸å¾—當的é‡åˆ©ï¼Œè‹¥åªæ˜¯ã€Œç´„定ã€è€Œå°šæœªã€Œå–å¾—ã€åˆ©æ¯ï¼Œå°±ä¸æœƒæˆç«‹é‡åˆ©ç½ª</span>。綜上所述，單純的約定利æ¯é«˜ä¸¦ç„¡æ³•æˆç«‹é‡åˆ©ç½ªã€?/p> </div> </div> <div class="elementor-element elementor-element-7299445 elementor-widget elementor-widget-image" data-id="7299445" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="763" src="//danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury.png" class="attachment-large size-large wp-image-37279" alt="é‡åˆ©ç½ªæ§‹æˆè¦ä»¶æœ‰2點ï¼å¤§æšä»£æ›¸" srcset="//danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury.png 1001w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury-300x286.png 300w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury-768x733.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-531c6545 elementor-widget elementor-widget-heading" data-id="531c6545" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½ªæ˜¯å¦æˆç«‹ä¹‹ç¯„例</h2> </div> </div> <div class="elementor-element elementor-element-e315da9 elementor-widget elementor-widget-heading" data-id="e315da9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½ªæˆç«?/h3> </div> </div> <div class="elementor-element elementor-element-5914e3f elementor-widget elementor-widget-text-editor" data-id="5914e3f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>è‹¥Açš„æ¯è¦ªå› å·¥å‚·éœ€è¦å¤§ç­†é†«ç™‚費用，但親戚åŠæœ‹å‹æ‹’絕借錢，Aåªå¥½å‘地下錢莊借貸100è¬ï¼Œåœ°ä¸‹éŒ¢èŽŠé‡‘主看Aéžå¸¸æ€¥è¿«ï¼Œå°±æ出月付50è¬åˆ©æ¯çš„æ¢ä»¶ï¼Œä¸¦æ–½äºˆæ™‚間壓力，逼迫A答應。A迫於無奈åªå¥½ç­”應，並籌錢還款，金主å–得此筆利æ¯å¾Œï¼Œé‡åˆ©ç½ªä¾¿æˆç«‹ã€?/p> </div> </div> <div class="elementor-element elementor-element-f848b7d elementor-widget elementor-widget-heading" data-id="f848b7d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½ªä¸æˆç«‹</h3> </div> </div> <div class="elementor-element elementor-element-92c811f elementor-widget elementor-widget-text-editor" data-id="92c811f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>B有較大筆資金需求，於是å‘地下錢莊借貸，地下錢莊æ出極高的利æ¯æ–¹æ¡ˆï¼Œä½†åœ¨è©•ä¼°éŽå¾Œï¼ŒBèªç‚ºè‡ªå·±å¯ä»¥è² æ“”，因此åŒæ„金主的æ¢ä»¶ã€‚B在借貸時並無急迫ã€è¼•çŽ‡ç­‰ç‹€æ³ï¼ŒåŠ ä¸ŠBå…ˆå‰ä¹Ÿæœ‰å‘銀行借貸的經驗，據上所述，å³ä½¿å¹´æ¯é«˜é”40%，é‡åˆ©ç½ªä¹Ÿä¸æœƒæˆç«‹ã€?/p> </div> </div> <div class="elementor-element elementor-element-3f21074 elementor-widget elementor-widget-heading" data-id="3f21074" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">é‡åˆ©ç½ªå¸¸è¦‹å•ç­?/h2> </div> </div> <div class="elementor-element elementor-element-713678bd elementor-widget elementor-widget-accordion" data-id="713678bd" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1891" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1891" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：é‡åˆ©ç½ªåˆ¤åˆ‘怎麼判？</a> </div> <div id="elementor-tab-content-1891" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1891"><p>根據<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344" target="_blank" rel="noopener">刑法§344</a>，é‡åˆ©ç½ªå°‡è™•3年以下有期徒刑ã€æ‹˜å½¹æˆ–科或併科30è¬å…ƒä»¥ä¸‹ç½°é‡‘。刑æ³?a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344-1" target="_blank" rel="noopener">§344-1</a>è¦å®šï¼ŒåŠ é‡é‡åˆ©ç½ªå‰‡æœƒè™?個月以上5年以下有期徒刑，得併ç§?0è¬å…ƒä»¥ä¸‹ç½°é‡‘ã€?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1892" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1892" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：é‡åˆ©ç½ªå¯ä»¥å’Œè§£å—Žï¼Ÿ</a> </div> <div id="elementor-tab-content-1892" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1892"><p>ä¸è¡Œï¼Œé‡åˆ©ç½ªå±¬æ–¼éžå‘Šè¨´ä¹ƒè«–罪，å³ä½¿åŽŸå‘Šæ±ºå®šæ’¤å›žå‘Šè¨´ä¸¦èˆ‡å°æ–¹å’Œè§£ï¼Œä¹Ÿç„¡æ³•ä¸­æ­¢åˆ‘事訴訟程åºçš„å–”ï¼</p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1893" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-1893" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：å¯èƒ½è§¸çŠ¯é‡åˆ©ç½ªçš„契約還有效嗎？</a> </div> <div id="elementor-tab-content-1893" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-1893">有效，但借款人å¯ä»¥ä»¥ä¸?點æ出申訴： <ol> <li>根據<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=B0000001&flno=205" target="_blank" rel="noopener">民法§205</a>，若約定年利率超é?6%，則債權人僅能請求償é‚?6%的利æ¯ï¼Œå‰©é¤˜åˆ©æ¯å€Ÿæ¬¾äººå¯æ‹’絕償還ã€?/li> <li>根據<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=B0000001&flno=74" target="_blank" rel="noopener">民法§74</a>，債權人若有乘人之急迫ã€è¼•çŽ‡æˆ–無經驗，迫使借款人簽訂ä¸å…¬å¹³é‡‘錢契約，借款äº?strong style="background: linear-gradient(rgba(0,0,0,0)40% ,#faf0e2 0);">å¯æ–¼åˆç´„開始後一年內æ出申請</strong>，法院則會決定是å¦æ’¤éŠ·åˆç´„的法律效力或減輕利æ¯ã€?/li> </ol></div> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Q\uff1a\u91cd\u5229\u7f6a\u5224\u5211\u600e\u9ebc\u5224\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p>\u6839\u64da<a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawSingle.aspx?pcode=C0000001&flno=344\" target=\"_blank\" rel=\"noopener\">\u5211\u6cd5\u00a7344<\/a>\uff0c\u91cd\u5229\u7f6a\u5c07\u86553\u5e74\u4ee5\u4e0b\u6709\u671f\u5f92\u5211\u3001\u62d8\u5f79\u6216\u79d1\u6216\u4f75\u79d130\u842c\u5143\u4ee5\u4e0b\u7f70\u91d1\u3002\u5211\u6cd5<a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawSingle.aspx?pcode=C0000001&flno=344-1\" target=\"_blank\" 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