Supreme Court allows consumer loan claim for 49% penalty interest when standard terms are deemed unreasonable and non-binding.

The Supreme Court of Finland allowed the consumer's appeal regarding a 49% penalty interest rate on a loan principal. The lower courts had found the standard terms regarding loan costs to be unreasonable and non-binding for the consumer. The court ruled that the specific agreement for 49% penalty interest remained valid despite the invalidity of the general cost terms, establishing that the penalty clause was not automatically voided by the unreasonableness of the broader loan conditions.