銀行での借入の必要性を感じている方へ
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カードローンの世界では、利息制限法というルールがあります。
この利息制限法は何かというと、大まかに言ってしまえば金額に応じて金利を決めそれ以上の利息を要求してはいけません、というものです（一例を挙げれば元本10万円以上100万円未満の場合、利息は18%までと決められています）。しかし、この金利は実はそれほど厳密には守られていません。
それはもう一つのルールである出資法（上限年利29.2%まで、と定められる）が働いているからです。
つまり出資法のルールを盾にとって利息制限法が定める利息以上の金利を要求する、というケースがあるのです。
この利息制限法から出資法までの金利の範囲をグレーゾーン金利といいます。
今後このグレーゾーン金利に法律上どうメスが入るか、見守りたいところです。
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ほかにもう一枚おすすめするとしたら、このカード。
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キャッシングの基礎知識
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この企業のカードローンは？
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知名度の高いカードローン会社
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金融機関とカードローン
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