The real annual rate has a gray zone interest rate. The gray zone interest rate is what you need to know in advance when checking the real annual rate. The gray zone is the interest rate that is lower than the maximum interest rate stipulated by the Investment Law and higher than the interest rate stipulated by the Interest Rate Restriction Law, and most consumer lenders lend at this interest rate. For the future as well, we should just give an overview of what a gray zone is. There are 29.2% investment law and 15% to 20% interest rate restriction law that stipulate interest rate limits. The reason why the numbers of both laws are different is that the purpose of using the law is different. The law of civil court is the Interest Rate Restriction Act, which invalidates the excess when the contractor earns interest that exceeds the upper limit. On the other hand, the Investment Law is subject to criminal penalties and fines are incurred. The actual annual rate of cashiers is determined with both of these laws in mind, but various people are raising issues regarding the gray zone that arises from the differences in laws. You will be fined for real interest rates that exceed the Investment Law, but you will not be subject to penalties or penalties under the Interest Rate Restriction Act. Therefore, when determining the real interest rate, the cashing company exceeds the interest rate restriction law while adhering to the investment law. If the real annual rate is as low as 29.2% under the Investment Law, there is no penalty for consumer finance companies even if it is larger than the Interest Rate Restriction Law. However, if the repayment becomes impossible by any means, the overpayment will be made as an overpayment if the annual rate is higher than the annual rate stipulated by the Interest Rate Restriction Act.