Advice 1: How to calculate the delay

Reason for late making a regular loan payment can be anything: delayed salary, urgent unexpected expenses, sickness or disease and a host of other reasons. Because life is unpredictable, and fortunately short-lived late payment will not affect credit history. But treaties provide for penalties for the late payment, the amount of which should be able to calculate, in order not to be Bank into perpetual debtors.
You will need
  • calculator
  • pencil
  • - a sheet of paper
In order to calculate the delay, use simple math. Let's say that every month we pay on the loan is 5 000 rubles. However, we understand that in the current month to pay the loan on time can not.
Read the credit agreement. Suppose it is specified that the penalty is 0.5% for each day of delay. Thus, the next day after the payment deadline we will still owe the Bank (5000 × 0.5%) was 25 rubles. That is, for repayment of arrears we have to pay for 5025 rubles.
Suppose we know that paying late will be 5 days after the payment date. To calculate delay in this case.
Debt after 1 day of delay is 5025 rubles. Following the 0.5% interest will be charged on this amount.

Thus, debt at the end of 2 days of delay will be (5025 × 0,5% + 5025) 5050,13 rubles.
Similarly, to calculate the delay should be for the rest of the day.
At the end of 3 days (5050,13 × 0,5% + 5050,13) - 5075,38 rubles.

At the end of 4 days (5075,38 × 0,5% + 5075,38) - 5100,76 rubles.

At the end of 5 days (5100,76 × 0,5% + 5100,76) - 5126,26 rubles.
Even if we pay the loan on the morning of 5 day, to calculate the delay should be for 5 whole days, as the funds are debited from the accounts happens 1 time a day, usually late in the evening.
Now you will be able to correctly calculate the delay and repay the debt with accuracy to the penny.

Advice 2: How to calculate interest for VAT

The principle of calculation of penalties for any tax is the same: they depend on the overdue amount, charged for every day, since after the deadline for the payment of tax ending last before the immediate repayment of arrears and is equal to 1/300 of the refinancing rate. The easiest way to use to calculate the online calculator. But you can do it on their own.
You will need
  • - the amount of tax payable;
  • - the period of delay;
  • - the refinancing rate over time, while the delay lasts.
The amount of tax payments you can calculate it yourself or check with the tax office. But it is better to pay arrears and fines , voluntarily, while you do not require this tax. Otherwise you'll have to pay a fine.
For independent calculation determine the taxable base (the entire amount of the transaction or part of it depending on the situation), divide this figure by 100 and multiply the result by the rate of VAT to your case.
The countdown of the period of delay starts from the calendar day following the deadline for payment of tax. The end is determined by the date on which you plan to repay the debt. Directly behind the redemption date, penalty interest is not charged already. But for the preceding will have to pay. The payment date shall be the date of depositing cash in the Bank or debiting them from your account on the basis of the payment order with a Bank transfer.
Charges will be applied for each day for the duration of the delay, including weekends and public holidays.
To calculate fines online you can, for example, using the calculator on the website of the magazine "chief accountant". To do this, enter in the appropriate fields amount of unpaid tax, the date of commencement of the delay and expected date of debt repayment, and then give the command to calculate.
The result is the amount of fines in rubles and kopecks.
With self-counting is easiest if the refinancing rate in the entire period of delay has not changed. If changed, will have to calculate interest separately for all the days of validity of the different values of rate.
To clarify the refinancing rate in different periods on the website of the Central Bank of the Russian Federation.
To calculate the amount of penalties, multiply the unpaid tax on the number of days of delay, this amount divide by 100, and the result is the value of the refinancing rate, and then divide the resulting number by 300.
And so for each period the different values of the rate of refinancing, if it has changed. Then put all the results and get the amount of fines to be paid.
Useful advice
One of the conditions of the credit agreement is charged by the Bank penalties for late payment of the next loan payment. You can often see such wording: "For late payment of the next payment, the Bank charges interest at the rate of 0.5% of the overdue indebtedness for each day of delay". Thus, 1 day after the due date the client will be forced with the payment to pay the assessed penalty.
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