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1. The Defendant’s KRW 20,000,000 as well as the Plaintiff’s 24% per annum from October 30, 2019 to September 2, 2020.
Reasons
The Plaintiff lent KRW 20 million to the Defendant on October 30, 2019, and the fact that the Defendant agreed to pay KRW 40 million on February 28, 2020, including KRW 30 million on February 28, 2020 and KRW 10 million on March 31, 2020 that the Defendant paid KRW 20 million to the Defendant on February 30, 202 is not a dispute between the parties.
위 인정사실에 의하면 피고는 원고에게 위 금전소비 대차계약 및 반환 약정에 기하여 위 차용금을 반환할 의무가 있으나, 강행 법규 인 이자제한 법 제 2조 제 1 항, 제 3 항, 제 4 조, 이자제한 법 제 2조 제 1 항의 최고 이자율에 관한 규정 등에 의하면 금전 대차에 관한 계약상의 최고 이자율은 연 24% 이고, 계약상의 이자로서 위 최고 이자율을 초과하는 부분은 무효이며, 예금( 禮金), 수수료 등 명칭 여하에 불구하고 금전의 대차와 관련하여 채권자가 받은 것은 이를 이자로 보는 것이므로, 피고의 차용금 반환 약정 중 위 법 규정을 넘는 부분은 무효이다.
Therefore, the Defendant is obligated to pay to the Plaintiff interest and delayed damages calculated at the rate of 24% per annum as stipulated in the Interest Limitation Act from October 30, 2019, which is the date of lending the principal of the loan to October 2, 2020, and from September 2, 2020, a copy of the complaint of this case, to September 2, 2020, and 12% per annum as sought by the Plaintiff within the scope of the above limit from the next day to the date of complete payment. Thus, the Plaintiff’s claim of this case is legitimate within the above limit of recognition and is dismissed.