| 单词 | Unenforceable loan |
| 释义 | 不可強制執行的貸款 A loan where the interest on the loan or charges in relation to the loan are or were extortionate. Any person (whether a money lender or not) who lends or offers to lend money at an effective rate of interest that exceeds 60 per cent per annum commits an offence: Money Lenders Ordinance (Cap 163) s 24(1). No agreement for the repayment of any loan or for the payment of interest on any loan and no security given in respect of any such agreement or loan shall be enforceable in any case in which the effective rate of interest exceeds the rate specified: s 24(2). Where proceedings are taken in any court by any person for the recovery of any money lent or the enforcement of any agreement or security in respect of any loan, and the court is satisfied that the transaction is extortionate, the court may reopen the extortionate transaction so as to do justice between the parties, having regard to all the circumstances: s 25(1). The court would have to regard the evidence adduced, such as the prevailing interest rate at the time it was made, the debtor’s age, experience, business capacity and state of health, the degree to which he was under financial pressure, and the nature of that pressure; the degree of risk accepted by the lender, having regard to the nature and value of any security provided; the lender’s relationship to the debtor; whether or not a specious cash price was quoted for any goods or services included in the transaction; and where one or more other transactions are to be taken into account, the question how far any such other transaction was reasonably required for the protection of the debtor or the lender, or was in the interest of the debtor; and any other relevant considerations: s 25 (4)-(6). See also Usury; Voidable transaction; Winding up. 其利息或有關的費用具敲詐性或曾經具敲詐性的貸款。任何人（不論是否放債人與否）以超過年息百分之六十的實際利率貸出款項或要約貸出款項，即屬犯罪：《放債人條例》（第163章）第24(1)條。關於任何貸款的還款協議或關於任何貸款利息的付息協議，以及就該等協議或貸款而提供的保證，如其實際利率超逾上述所指明的利率，則不得予以強制執行：第24(2)條。凡任何人在任何法庭進行法律程序，以追討貸出的款項或強制執行就任何貸款而訂立的協議或保證；及凡有證據令法庭信納有關交易屬敲詐性，則法庭在顧及所有情況後，可重新商議該宗交易，使交易雙方均獲公平對待：第25(1)條。法庭須顧及援引的證據，例如交易達成時的通行利率；債務人的年齡、經驗、做事能力及健康狀況；在達成交易時債務人所受財務壓力的程度及該壓力的性質；在顧及所提供的保證的性質及價值後，貸款人接受的風險程度；貸款人與債務人的關係；就該宗交易所包括的貨品或服務而報的現金價格是否不實；凡須考慮一宗或多於一宗其他交易者，則該等其他交易對保障債務人或貸款人而言，其合理地需要的程度或對債務人有利的程度；及任何其他有關的考慮因素：第25(4)至(6)條。另見 Usury; Voidable transaction; Winding up。 |
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