adevarul.ro/adevarul-juridic/ce-dobanda-se-poate-c

Individuals can lend money to friends or relatives with interest, but must adhere to legal limits. The distinction between occasional loans and lending as a business is crucial, as unauthorized lending can be considered usury. Written agreements detailing the loan amount, interest rate, and repayment terms are essential. The maximum interest rate cannot exceed 50% of the legal interest rate, calculated based on the central bank's rate. For example, if the legal rate is 6.50%, the maximum allowable interest is 7.80%. Exceeding this limit nullifies the agreement, and the lender loses the right to claim legal interest. Clear documentation and compliance with legal standards are vital for personal loans.