A securities firm that conducts non-restricted purpose loan may charge its clients interest and processing fees for the loans; the interest rate and fee rate shall be decided by each securities firm. The interest rate shall be calculated on a per annum basis and be posted at its place of business.
When there is an adjustment to the interest rate and fee rate of the preceding paragraph, for the portion of funds already financed but not yet repaid, from the adjustment date, such portion shall be calculated, collected and paid according to the post-adjustment rates.
The interest of paragraph 2 shall be calculated based on the number of days from the financing date of the securities firm until the day before the settlement date.
The client shall be responsible for costs relating to creation of pledge.