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Florida interest rate laws are stated in Florida Statutes, Title 55(Civil Practice and Procedure), Chapter 55(Judgments), and Title 39(Commercial Relations), Chapter 687(Interest and Usury; Lending Practices).

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The stated general usury limit is the rate that can be charged by one person or corporation to another. In other words, if you lend your next door neighbor $100.00, the rate stated is the limit. If you want to charge more than the listed rate, you would need a special license such as a banking or pawnbroking license.

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Florida’s usury laws, set forth in F.S. Ch. 687, prescribe a maximum rate of interest of 18 percent on loans of less than $500,000. 7 On loans that exceed $500,000, the maximum legal rate of interest is 25 percent. 8 Significantly, it is a criminal offense – misdemeanor or felony – to provide loans which have effective interest rates of.

volving a loan of money evidenced by a promissory note and mortgage. Owing to the esoteric nature of money lending transactions in general, and more particularly to the result reached in the latest expression of the courts, this paper is directed to an examination and exposition of Florida’s

Even when florida owner financing is on the table, the seller may still want to see a credit report. But even when this is the case, the owner is likely to consider the information and the possible sale with a less stringent and more flexible attitude than an institutional lender. Florida owner financing also allows for a variety of payment.

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A legal rate of interest is the highest rate of interest that can be legally charged on any type of debt, for which a lender must adhere to. The legal rate of interest applies to all types of debt.