On Jan 10th, 2012, litigant of the case borrowed 13 million yuan from a natural person because of capital turnover need, and issued a promissory note, stating that RMB 13 million will be returned on April 11st, 2012. From May 15th, 2012 to Feb 6th, 2016, the litigant totally paid principal and interest 42 million 72 thousand and 640 yuan to the natural person. In July 2016, Zhongyin (Chongqing) Law Firm accepted the entrusting from the litigant, one Sichuan real estate development company, and one Sichuan Municipal Engineering company, appointed Chen Changyin, Li Jianhua and Zhou Guoxing lawyer as this case’s agent.

Zhongyin (Chongqing) Lawyers adhere to the professional practice spirit, combed out the principal and interest payments from a large number of documents provided by the litigant, and on this basis, according to the legal proceeding, claims to return the amount beyond the principal and interest. Recently, the People’s court stipulates in accordance with the second paragraph of the twenty-sixth paragraph of <Provisions of the supreme law on Several Issues concerning the application of law to the trial of private lending>: if the interest rates agreed by both sides of the loan exceed 36% of the annual interest rate, the interest beyond the contract is invalid. Adjudicate to support the litigant’s request, and decided that the other party would repay 2536.057251 yuan of the loan interest. Zhongyin (Chongqing) Law Firm agent lawyers saved huge property losses for the litigant, guarantees the legitimate rights and interests, and their professional ability and dedication has won the unanimous praise and highly appreciated.