Often, reading the text of a treaty, we meet with the notion of "refinancing rate." Basically, it is used as a factor for calculating the fines and penalties for late payment of the debt. We see what it really is and how to calculate interest on the refinancing rate.
The refinancing rate is, in fact, is the interest rate at which the Central Bank lends to other banks. We as individuals, in addition to the above example, faced with the refinancing rate in the following cases:
- In the presence of the deposit in the bank, if the annual percent increase of the refinancing rate at least 5 points to give the deposit of income will be required to pay personal income tax to the state.
- The loan agreement may have a point concerning the savings on interest on the loan. To calculate the amount to which you want to pay personal income tax, the amount of income multiply by 2/3 of the difference of refinancing and loan interest.
- If you are past due payment of taxes and fees, for each day of delay will have to pay a penalty rate of 1/300 of the refinancing rate.
- The value of the refinancing rate divided by the number of days in a year.
- The obtained result is multiplied by the number of days overdue.
- The final value is multiplied by the amount of debt.
- 8.25% / 365 days \u003d 0.0226% - this percentage for 1 day of delay.
- 0.0226% * 20 days \u003d 0.452% - This percentage in 20 days of delay.
- 0.452% * 500 rub \u003d 2.26 rubles - penalties for the fact that they have grieved payment of 500 rubles for 20 days.
Now, knowing the percentage calculation algorithm at the refinancing rate, you can independently calculate the amount of penalties for the outstand in time.
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2019
