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 Tôi tên Nguyá»…n Thành Trung, hiện tại Ä‘ang cÆ° ngụ tại Sóc trăng. Tôi có má»™t câu hỏi nhờ luật sÆ° gải đáp dùm.

Tôi có cho  bà A  vay tiền vá»›i lãi suất 6% (sáu phần trăm) trên tháng. Hiện nay bà A không trả lãi cÅ©ng nhÆ° vốn cho tôi. Vậy tôi có thể làm Ä‘Æ¡n nhờ tòa án giải quyết được hay không? Nhờ luật sÆ° giải đáp dùm.

Xin chân thành cảm ơn!

 

Chào bạn,

Trong trường hợp của bạn, khi mà bà A vay tiền của bạn nhÆ°ng lại không trả lãi và vốn cho bạn đúng nhÆ° thoả thuận thì bạn có thể kiện ra toà yêu cầu toà giải quyết, tuy nhiên bạn cần lÆ°u ý về vấn đề lãi suất vay, cụ thể: Căn cứ vào Ä‘iều 476 BLDS 2005 có quy định thì lãi suất vay tài sản do các bên thoả thuận nhÆ°ng không được vượt quá 150% của lãi suất cÆ¡ bản do Ngân hàng nhà nÆ°á»›c công bố đối vá»›i loại cho vay tÆ°Æ¡ng ứng. Việc bạn cho bà A vay vá»›i lãi suất 6%/1 tháng là cao, do vậy khi toà án thụ lý giải quyết thì sẽ Ä‘iều chỉnh lại mức lãi suất cho hợp lý.