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Request for calculation of statutory interest, procedural arrears and late payments in business operations with the possibility of including partial payments, Huella Legal is working to improve all these aspects. The reason why the calculator of interest was started anyway is that these problems, if used responsibly or correctly, should not be a problem for the user. Procedural interests are all those arising from a conviction procedure in favour of the applicant. Its operation is really very simpleImplemente the amount from which you must calculate the interest, choose the date from which the term begins to count, choose the date on which you must calculate the accrued interest, and finally choose one of the two methods of calculation (legal interest or judicial interest). The first calculator to perform historical calculations since 1940. We must bear in mind that the profit-making interest, as is the case, has a limitation period of only 5 years, which is regulated by Article 1966 of the Civil Code. For this reason, the payment of interest must be claimed within a shorter period than mentioned above, or only interest accrued in the last 5 years could be recovered. In Car Verbal, you must apply the interests of Article 20 of the Insurance Contracts Act, which establishes a penalty for insurers. The legal interest determines which interest is applicable to the amount due, which is based on the legal interest on money, commonly referred to as the price of money, and which is determined by the General Law on the State Budget. In 2021, this participation was set at 3%. Legal interest is an interest rate that is not agreed upon, but is set by law.

Creditors and debtors do not agree on these interests, in which case they are called conventional interests. In our daily life as lawyers, not everything is simple and mechanical. On many occasions, we have to stop performing calculations that are not always clear or static. How do you usually calculate legal or legal interest? Since the obligation to pay interest has been expressly agreed, when the action is brought, it is required that default interest be paid from the day on which the debtor defaults on the principal obligation. The accumulation of interest must take place from the moment it has been claimed in court or even amicably with the filing of the claim, even if an amount lower than that requested is granted. The debtor is in default because he is informed of the existence of the debt and his claim and not beforehand. This may result in the amount due for default interest being less than the amount originally claimed. This is an issue that has caused noise and controversy in recent years due to the application of default interest in well-known maintenance clauses. Calculates the legal and judicial interest of any amount and attention from 1,940 to December 31, 2020. “The compensation for late payment shall be imposed ex officio by the judicial authority and shall consist of the payment of annual interest equal to the statutory interest on the currency in force at the time of maturity, increased by 50 per 100; This interest is considered to be earned for days without the need for a legal claim. However, two years after the debt has expired, the annual interest may not be less than 20 per 100. “If the obligation consists in the payment of a sum of money and the debtor is in default, compensation for damages, unless otherwise agreed, consists of the payment of the agreed interest and, in the absence of an agreement, the legal interest. This could be one of the reasons to opt for a particular legal software instead of solving the needs of the company with generic software.

It`s not just about having a calculator that updates legal interests, but allows us to adjust interest and data to each of the invoices and ensure automated and easy tracking of collections, where we don`t have to worry about their status. A distinction must be made between such interest and default interest in the event of default by the debtor. Most often, legal interests determine what the interest will be in the event of intrusion into arrears as compensation for the damage caused. This interest shall be applied for days and according to the years which have elapsed, from the date of the inadmissible payments until the date of the judgment and according to the percentages fixed for each year. Some of the characteristics common to all types of interests are as follows: However, little is said about the need for digital support in the performance of tasks such as calculating interests in our professional work as lawyers and lawyers. By tracking the company`s interest costs, the different types of interest, and the fact that they need to be reviewed and calculated based on the time since hiring or expiration, this can lead to unnecessary workload and, in many cases, annoying results. To return to the example of alimony payments: if interest accumulates on the 7th of each month, for the whole year, say, 2017, it will be enough to change the field of the month. Default interest, unless expressly agreed otherwise. The advanced calculator is designed to deal with, first of all, situations where it is necessary to calculate the interest of tens or even hundreds of expenses. For example, if the debtor has paid only part of the maintenance amounts (a monthly tax), the creditor must calculate accrued interest of different numbers over months and even years. This is a tedious task if you don`t have the help of programs like this. How to calculate interest in this case? Let`s move on to the advanced calculator.

Once there, the user can fill in the date fields separately. The advantage is that you don`t have to waste time changing fields with stable content. Default interest includes default interest for business operations. You can respect the agreement concluded between the debtor or the creditor or applied by default: in this case, this is the sum of the interest rate applied by the European Central Bank to the most recent main financing operation, increased by seven percentage points. This is the recommended option for users with more complex requirements or who need to calculate several different amounts of data at the same time.

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