How to calculate the interest for use of funds?
Money - this is what people often borrow from each other. In some cases, they are taken to the bank debt at a certain percentage. In other take with friends. As a rule, free of charge. Although in recent years, even acquaintances want to receive interest for the fact that their finances are. There is even a special program that helps calculate the percentage that you can get for the loan.
Instruction how to calculate the percentage of the use of funds?
In order to calculate the interest on the borrowed funds, are still using the parameters specified in the Resolution of the Plenum of the Supreme Court and the Plenum of the Supreme Arbitration Court of the Russian Federation from 08.10.1998 years. It says that a number of days used in calculating the annual percentage rate of refinancing of the Central Bank of the Russian Federation in the year, which is equal to 360. If you need to calculate the month, the number of days is equal to 30. These figures are taken as the basis only if you do not have any agreement with the borrower, which stipulated a different order refund.
Accrued interest should be immediately and keep them up to calculate the actual payment of the debt. The moment the actual performance of the monetary obligations can be determined based on the terms of the order of payments, form of payment and the provisions of Article 316 of the Civil Code of the Russian Federation. Again, it works, if you have not signed a contract, which includes other conditions refund.
As a rule, account for the interest on their own and require the payment of the debt after a court. Therefore, there is one more thing. The refinancing rate - vacillates. It changes regularly, so the court so as not to create confusion appoint percentage calculation, based on what the interest rate valid at the time of filing a lawsuit. In some cases, prescribe the interest, in accordance with Article 395 of the Civil Code, the court may, for the refinancing rate, which acts at the time of adoption of the decision. For example, you filed a claim when the rate was 10%, and at the time of the decision it was already 12%. You will, of course, advantageous to obtain permission to claim their money at high interest percentage.
If your debt has been paid, but with a delay, you can demand from the debtor payment of interest for the delay. In this case, the amount of interest will be calculated on the basis of what kind of refinancing rate is valid on the date of payment of principal.