To properly calculate a penalty for late payment on the credit, see the content of the concluded agreement with the Bank. In terms of lending often stated that failure to comply with the payer of the payment terms the Bank sets the penalty in the form of fines that accrued until full repayment. Suppose that the penalty established by the credit agreement equal to 1% per every day of delay.
To calculate a penalty for late payment on the loan, multiply the amount of the overdue payment part payment by the specified percentage. For example, the value of the monthly payment is 1000 rubles. At the same time paid was 400 RUB 600 RUB came in late. First day of late payment, this amount will increase it to 6 rubles. Thus, at the end of the first after a late day will need to pay already 606 RUB.
Starting from the second and next days, penalty will be charged on a constantly increasing amount. So, on the second day the penalty will be calculated at the rate of 1% 606 RUB and will be equal to the Debt of 6.06 RUB on the end of the second day will be 612,06 RUB And so on.
Therefore, to accurately calculate penalty for late payment on the loan on a specific day and pay for it in a way to exclude remains unaccounted debt, you will need to calculate percentages for all the past days. In the case if you will not make payment of the full amount of the debt, then the remainder is again charged penalties, to detect which during repayment following the payment, would not be very nice.
Advice 2: How to calculate interest on insurance premiums
For the calculation of fines for insurance contributions will need to source data such as date of occurrence and the planned repayment of debt, arrears and the refinancing rate in the period from the deadline for payment of the premium until the day when he was actually listed in one or another extra-budgetary Fund.
You will need
- - the date of the debt and its planned repayment;
- - arrears;
- - the refinancing rate in the period until the last delay.
Unlike taxes, in which case interest is charged from the day following the late payment including the down payment, the late payment of premiums begins on the expiry of the deadline of their payment for the year. This date is the 31 December. And if you do not fit into this framework, interest you should be charged from January 1 next year. If the Pension Fund of the Russian Federation has counted you interest on advance payments and you have paid responsibly, the Fund should get the money back or take to offset your future payments.
The rest of the solver is the same as with taxes. You must determine the date when you plan to repay the arrears. While fines are charged for all calendar days from the date of occurrence of delay, including weekends and holidays, from 1 January to the last day before the transfer of payment, inclusive. For the day of payment penalties is not considered.
The compulsory component of the calculation serves as the refinancing rate in force at the time, yet lasted your overdue contributions. If it has changed, will have to break up the time periods of each rate value and calculate the sum of penalties for each separately, and then add up the results. Refinancing rates for different periods can be found on the website of the Central Bank of the Russian Federation.
In the presence of all required performance penalty is calculated by the following formula: Interest = Arrears on contributions * Number of days overdue * refinancing Rate / 100 * 1/300.
There are also more simple variant - to use the online calculator penalties on the website of the journal "the accountant" (http://www.glavbukh.ru/pencalc/). Enter in the corresponding field the date of the insured debt and the expected repayment, the arrears amount and click "Calculate".