Grassroots lawyers also have spring

Chapter 376

Wang Chuan heard people say that if the property has a household registration and does not move out, it will be difficult to solve it in the future.The court doesn’t care, the police station can’t forcibly remove the account, the original account can’t be moved out, the new account can’t be applied for, and the house buyer has nowhere to complain, so they can only go after the original owner. Neither did the original owner.In short, whoever encounters it will have a headache.

Fortunately, in June [-], the public security department of the Imperial City issued the "Regulations on the Establishment of Public Accounts by the Household Registration Police Station of the Beijing Municipal Public Security Bureau (Trial)". In the process of buying and selling real estate, the problem that the old household registration cannot be moved out.

"The house I bought doesn't have a household registration, and my family's household registration is on another house. Don't worry, I can take you to the police station for investigation." The young man with dark circles patted his chest and said.

After entering the small courtyard, Wang Chuan went around inside and outside the house. There are four rooms and a yard. Although the property is a bit dilapidated and the yard is a bit messy, it is generally quite good.Quiet and well lit.

"Can you lower the price of this yard?" Wang Chuan asked.

"How about this, Brother Wan is not an outsider, I'll drop you 38, how about [-]?" the young man with dark circles said.

"Can it be cheaper?" Wang Chuan asked.

Buying a house is a big deal, and bargaining is essential.Besides, the other party is anxious to sell, but Wang Chuan is not in a hurry to live.

"This... I really can't lower it anymore. We sold a house next door for 35 yuan. His yard only has three rooms and is more than 100 square meters, which is far worse than my yard." The young man with dark circles had a bitter face. road.

"Okay, let me think about it, and you also think about the price. If it can be lowered, I will definitely buy it." Wang Chuan looked back at the small courtyard again.

"Okay, you think about it, let's contact again, but you have to hurry up, I can wait until next Friday at the most." The young man with dark circles said with an expression that he is not worried about selling a good product.

Lao Niu has been on a business trip for the past few days, and Wang Chuan has been waiting for him to come back to borrow money.

On Wednesday, Wang Chuan went to the legal service office to be on duty again.

Zhang Dahuyou is still the same, when she has no clients, she looks like a leisurely petty bourgeoisie. After a client enters the door, she immediately turns into a vicious wolf. Brothers and sisters.

Just when Wang Chuan was idle and browsing the web, a strong man with a big bald head came in outside the door. He was wearing a black jacket with his arms open. His stomach like a watermelon rounded out the vest he was wearing inside. There are three big black characters "community person" written in flying and phoenix dances on it, and a big gold chain is shining brightly on the chest, which is as thick as a little finger. I don't know if it can float in the water.

Under the big bald head is wearing a pair of sports pants, a pair of Adidas sneakers on his feet, and big sunglasses.Wang Chuan visually estimated that the opponent's weight was at least two hundred catties, and his age...it's hard to deduce, it should be over forty.

"Which of you two is a lawyer?" The big bald man took off his sunglasses and asked in a calm manner, his murderous eyes swept across the faces of Zhang Dahuyou and Wang Chuan.

Zhang Dahuyou's heart trembled, he swallowed, and pointed in the direction where Wang Chuan was sitting.She didn't want to provoke the big bald man in front of her.

"You... what's the matter? I'm a lawyer." Wang Chuan asked after hesitating.

When a customer comes to your door, even if he is HSH, so what, you can't just perform martial arts without saying a word, right?The big deal is to send it abroad as a gift.

"I have a loan job, can you take it?" The big bald man said, walking towards Wang Chuan.

"Please sit down! Can you tell me what the specific job is? If you ask me if I can take it, I have to know what it is so I can tell you no!" Wang Chuan said along the other side.

"I'll tell you.

A friend borrowed 100 million from me the year before last, and gave me an IOU, saying that it would take half a year, but I still haven't paid it back.This is an IOU! "The big bald man took out an IOU from his pocket and slapped it on the table, and with the creak of the chair, the big bald man sat down.

Wang Chuan took a glance at the IOU. The borrower and the lender on the IOU were two natural persons. The loan amount was 100 million yuan, and the interest was calculated at [-]/[-] per day.

"Do you have a loan certificate?" Wang Chuan asked.

"Yes, I have a transfer record." The big bald man took out another bank transfer record from his pocket and handed it over.

"The amount on your transfer record is 50. You said you borrowed 100 million. What about the remaining 50 transfer records?" Wang Chuan asked.

"The remaining 50 is in cash." The bald man said confidently.

"Cash? Do you have evidence?" Wang Chuan keenly sensed the unusualness of this matter.

Nowadays, bank transfers are convenient and fast. Few people use cash transactions, and the amount of 50 is not a decimal. Isn't it going to the grave to burn newspapers to fool ghosts by using cash transactions?Besides, didn't you think of leaving a voucher after borrowing such a large sum of money?Obviously, what the big bald man said was unreasonable!

"The cash I gave, how can there be any proof!" the big bald man said.

"Then where did you get the 50 cash? From the bank?" Wang Chuan looked at the big bald man.

"No, it's someone who owes me the money, so pay me back." The big bald man said.

"Where did the other party's money come from?" Wang Chuan asked.

"I said you're an interesting lawyer, it's none of my business where people's money comes from, I'm not a money launderer.

As long as the borrower and I agree to the loan, that's fine. Why is it so troublesome! "The big bald man said impatiently.

"Don't get me wrong, the courts are now very strict in reviewing the evidence when hearing private lending cases. If there is only the approval of the borrower and the lender, the court will not support the fact that the loan cannot be proved.

For your loan, the court will support your transfer part of the loan at most. If there is no evidence to prove that the remaining 50 has been delivered to the borrower, the court will generally not support it.

In addition, the loan interest written in your IOU is too high. The daily interest rate is five thousandths, which is equivalent to more than 180% annualized. The court will not support such a high interest rate. "Wang Chuan said.

Wang Chuan almost said that you are usury!

"Oh! How much interest is supported by the court?" The big bald man turned his eyes and asked.

"Currently there is no uniform interest rate for private lending in judicial practice, but even so, the interest rate of more than 180 percent agreed in your loan agreement is too high, and it will not be supported by that court.

My colleague has done a private lending case before, and the court calculated the interest with reference to four times the bank's loan interest rate for the same period.Your case may also be calculated at four times the bank's loan interest rate for the same period. " Wang Chuan explained.

The interest rate standard of private lending has always been a difficult point. Before the implementation of the "Supreme People's Court's Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" promulgated by the Supreme People's Court in September [-], courts in various places set the standard for trial of private lending interest rates. The inconsistency of the grasp has caused both the lawyer and the borrower to be confused about what the court's trial standard for loan interest is.

(End of this chapter)