If in lending, the demand for in-kind as principal and interest repayment, or to borrow cash and in kind to be interest in more than 20% per annum can be considered as persons usury.
若是实物借贷，又要求以实物作为本利偿还，或借现金而要以实物为利息，年利率在20%以上者才可视为高利贷。
On the second tranche of eight-year money, Banks can choose either a small proportion of higher interest payment-in-kind notes or a higher guarantee in the event of a repayment shortfall.
第二部分是8年期的资金偿还，银行可以选择低比例的较高利率实物支付票据(PIK)，或是为防偿付不足而选择获得较高的担保。
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