58 Regarding interest rates on consumer loans, the Interest Limitation Law provides for maximum interest rates ranging from 15% to 20% depending on loan amounts, while the Investment Deposit and Interest Rate Law sets the maximum rate at 29.2% on condition of borrowers' consent. Interest rates between the two ceilings are called "gray zone rates." Most consumer loan companies have set lending rates in the gray zone, resulting in heavily indebted consumers with loans from multiple companies.