El hecho de que en una obligación, contrato o convenio no se hubiere fijado interés, o cargos o que el interés o cargo expresado en dicha obligación, contrato o convenio, sea a un tipo igual o menor al fijado por ley o por reglamento no será evidencia concluyente del tipo de interés o cargo fijado y podrá admitirse evidencia sobre las circunstancias bajo las cuales fue efectuado el contrato, obligación o convenio para aprobar la ilegalidad del interés o cargo realmente exigido o recibido.
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