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消費者に対する金利と金融の仕組み消費者金融から融資を受ける際に発生する金利の仕組みと計算方法、多重債務者向け金融会社の法定金利と上限金利
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消費者金融から融資を受ける際に発生する金利の仕組みと計算方法、多重債務者向け金融会社の法定金利と上限金利
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消費者に対する金利と金融の仕組み
最終更新日 2015.7.3. 貸金業法では、 上限金利 20.0 や取り立てに対する厳重な規制が敷かれています。 この制度を 出挙 と呼称し、利息は数ヶ月ごとに元本へプラスされていましたが、利息は10割を超えてはなら ないと規制されていました。 そのため、1226年には幕府に よって金利を規制する 利倍法 が制定され、利息が元本の二倍を超えることが禁止されました。 実際は、利子がつく際に、すでに所得税15 と地方税5 の合計20 の税が行かれている のです。
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