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第六百八十条 禁止高利放贷，借款的利率不得违反国家有关规定。
Article 680
Usurious loans are prohibited, and the interest rate for lending may not violate
the relevant regulations of the State.
借款合同对支付利息没有约定的，视为没有利息。
Where there is no agreement on payment of interest in the loan contract, the
loan is deemed as bearing no interest.
借款合同对支付利息约定不明确，当事人不能达成补充协议的，按照当地或者当事人的交易方式、交易习惯、市场利率等因素确定利息；自然人之间借款的，视为没有利息。
Where the agreement in a loan contract is unclear on the payment of interest, if
the parties are unable to reach a supplementary agreement, the interest shall be
determined by taking account of the practices in the local area or between the
parties such as the method of transaction, course of dealing, the market
interest rate, and the like. Where such a loan is between natural persons, the
loan is deemed as bearing no interest.
第十三章 保证合同
Chapter XIII
Suretyship Contracts
第一节 一般规定
Section 1
General Rules
第六百八十一条 保证合同是为保障债权的实现，保证人和债权人约定，当债务人不履行到期债务或者发生当事人约定的情形时，保证人履行债务或者承担责任的合同。
Article 681
A suretyship contract is a contract under which a surety and a creditor agree,
for the purpose of ensuring the enforcement of an underlying claim, that the
surety shall perform the obligation or bear the liability when the debtor fails
to perform the obligation when it is due or a circumstance as agreed by the
parties occurs.
第六百八十二条 保证合同是主债权债务合同的从合同。主债权债务合同无效的，保证合同无效，但是法律另有规定的除外。
Article 682
A suretyship contract is an accessary contract subordinated to a principal
claim-obligation contract. Where the principal contract is invalid, the
suretyship contract is invalid, unless otherwise provided by law.
保证合同被确认无效后，债务人、保证人、债权人有过错的，应当根据其过错各自承担相应的民事责任。
Where a suretyship contract is determined to be invalid, the debtor, surety, or
creditor who are at fault shall each bear civil liability in proportion to their
respective fault.
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