三世情缘

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款本金4000元，平台显示需全额还款4821.95元，息费合计821.95元。发现该平台利率违规：按IRR计算，该笔借款综合年化利率远超国家法定上限（司法保护上限为一年期LPR的4倍，当前为13.8%；持牌机构监管红线24%），属于违规高利贷。平台将利息、服务费、担保费等拆分收取...

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