1, commercial loan.
The penalty interest of most lending institutions is charged at 130%- 150% of the interest rate agreed in the contract.
For example, the principal and interest of loans overdue is 2,500 yuan, and the loan interest rate is 4.9%. If the penalty interest is the lowest, the penalty interest in loans overdue is 2500× (4.9% ÷ 365×130% )×1= 0.43 yuan.
2. Provident fund loans.
The overdue penalty interest of provident fund mortgage is charged according to the loan interest rate 150%.
If the principal and interest of loans overdue is 2,500 yuan and the loan interest rate is 3.25%, the penalty interest of loans overdue is 2,500× (3.25% ÷ 365×150% )×1= 0.33 yuan.
Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term. 1, commercial loan.
The penalty interest of most lending institutions is charged at 130%- 150% of the interest rate agreed in the contract.
For example, the principal and interest of loans overdue is 2,500 yuan, and the loan interest rate is 4.9%. If the penalty interest is the lowest, the penalty interest in loans overdue is 2500× (4.9% ÷ 365×130% )×1= 0.43 yuan.
2. Provident fund loans.
The overdue penalty interest of provident fund mortgage is charged according to the loan interest rate 150%.
If the principal and interest of loans overdue is 2,500 yuan and the loan interest rate is 3.25%, the penalty interest of loans overdue is 2,500× (3.25% ÷ 365×150% )×1= 0.33 yuan. Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.
Second, the calculation formula of overdue interest
First of all, answer directly.
Different platforms have different overdue calculation methods, and the common overdue interest calculation methods are as follows.
Second, the specific analysis
1, bank loan
Bank loan is recognized as a relatively reliable loan platform. If it is overdue, overdue interest will be charged. The calculation method is overdue days of principal overdue interest rate. Banks have different regulations on overdue interest rates. According to the regulations of the central bank, the penalty interest rate is 30%~50% higher than the original loan interest rate. If the borrower's loan is used abnormally, such as for investment, gambling and other purposes prohibited by the bank, then the bank will immediately recover the loan or increase the original loan interest rate by 50%~ 100%.
2. Credit card
Credit card is also a kind of loan. After the credit card is overdue, there will be two kinds of expenses: overdue interest and liquidated damages.
Overdue interest: Credit cards in general banks have an interest-free period of 20-50 days. If the cardholder fails to repay after the interest-free period, it will generate overdue interest, which is generally charged at 0.5 ‰ per day.
Liquidated damages: At present, most banks set the standard of liquidated damages as 5% of the outstanding minimum repayment amount.
3. Alipay
There are many loan platforms on Alipay, such as flower shops, loan shops and online business loans. The interest generated by different platforms after overdue is different.
Bai Hua: If the current repayment amount is not paid off before the repayment date (monthly 10 day), the corresponding overdue interest will be generated. The specific calculation method is 0.05% of the overdue amount.
Loan: the overdue fee is calculated by the overdue bill amount (overdue principal plus interest), and the interest rate is 65438+ 0.5 days overdue (not counting days).
Online merchant loan: the overdue interest of online merchant loan is relatively high, and the calculation formula is: overdue bill amount (overdue principal plus interest) × interest rate × 1.5× overdue days (excluding the current day).
4. Online loans
At present, there are many platforms in the market, and the interest rates of overdue loans on different platforms are different. Take the loan auction as an example, the overdue interest per installment = 0.7‰ of the overdue principal per installment. If the borrower's information is exposed 90 days overdue, the lender may take legal proceedings or find a collection company to collect it.
Even if multiple applications for online loans are not overdue, the black index of online loans will be damaged and it will be judged as a blacklist of online loans. Once it becomes a blacklist of online loans, not only will online loan applications not pass, but even flower beds and loan forums will be reduced, and even serious ones will be closed.
In addition to protecting personal information, borrowers can also learn about their online loan usage, including detailed information such as comprehensive scores and application records, as well as the status of personal online loan big data. If big data has been chaotic, it should be corrected in time to avoid a major impact on personal credit information.
3. How to calculate the interest on overdue payment?
If it is a CMB credit card, the monthly bill settlement date and due repayment date are fixed. If it is overdue, it will generate late fees and interest, and it will affect personal credit. The customer's credit information will be recorded in the personal credit database and become a part of the credit record. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you repay on time.
4. What will happen if the default interest exceeds the loan principal by dozens of times if the online loans overdue has not been repaid?
It depends on whether the company you borrow is formal or not. If it is a small company, it can be returned if it is informal. Even if you can get legal help, you should be at such a high level. You can also negotiate with the company to repay the principal and normal interest.