Article 204 The interest rates of the financial institutions offering loan services shall be fixed within the ceiling and floor of loan interest rates set by the People's Bank of China.
Article 205 The borrower shall pay the interest within the contracted time limit. If the time limit for payment of interest is not stipulated or not clearly stipulated by the parties, nor can it be determined pursuant to the provisions of Article 61 of this Law, the interest shall be paid together with the repayment of the loan in case the loan term is less than one year; the interest shall be paid at the end of each full year in case the loan term is more than one year and, the interest shall be paid together with the loan repayment if the remaining loan term is less than one year.
核心词汇和搭配：
interest rates 利率
financial institutions 金融机构
be fixed 确定
ceiling and floor 上下限
in case 假如
loan term 借款期间
at the end of each full year 每满一年
remaining 剩余的
条文对照讲解：
第二百零四条 办理贷款业务的金融机构贷款的利率，应当按照中国人民银行规定的贷款利率的上下限确定。
第二百零五条 借款人应当按照约定的期限支付利息。对支付利息的期限没有约定或者约定不明确，依照本法第六十一条的规定仍不能确定，借款期间不满一年的，应当在返还借款时一并支付；借款期间一年以上的，应当在每届满一年时支付，剩余期间不满一年的，应当在返还借款时一并支付。
附注：中文条文选自《中华人民共和国合同法》（现行有效），英文条文选自全国人大法规库版本。
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