& shy; Jiang borrowed 20,000 yuan to Chen, and signed a contract indicating a monthly interest of 2%. When the repayment date arrived, Chen MOU refused to pay back the money. Jiang MOU sued the Minhou county court and found that the contract was written, “if the borrower fails to return the loan as long as possible, interest must be calculated at 2% monthly interest rate”. & shy; Plaintiff Jiang claimed that on February 3, 2015, defendant Chen borrowed 20,000 yuan from him for turnover due to tight operating funds and wrote a debit note. After the loan expires, the defendant refuses to repay the loan. Jiang asked the defendant to return the principal of the loan and calculate the interest from February 3, 2015 to the date when the loan was paid off at a monthly interest rate of 2%. & shy; Minhou Court carefully examined the format clause debit provided by the plaintiff. In the debit, both parties did not agree on the interest within the debit period, and only agreed that “the loan period is from February 3, 2015 to October 3, 2015. If the borrower fails to repay the loan in full amount on time, the interest must be calculated at 2% monthly interest rate “, that is, both parties only agree on the overdue interest that the defendant fails to repay on time. Therefore, for the interest part, the court only decided that the defendant should pay the interest from October 4, 2015 to the date when the loan was paid off, and did not support the interest from February 3, 2015 to October 3, 2015. & shy; Originally, the plaintiff did not carefully examine the terms when signing the debit, and mistakenly regarded overdue interest as interest within the period. The judge reminded that the contract law stipulates that if the loan contract between natural persons has no agreement on the payment of interest or the agreement is not clear, it is deemed not to pay interest. Therefore, in private lending, both parties should carefully examine each clause, especially the pre-printed format clause, so as to avoid unnecessary losses. (Reporter Xu Wenyu)