超详细!民间借贷利息计算标准一览!|民间借贷利息一般多少

时间：2019-08-19 04:03:27　来源：myyuju个人图书馆本文已影响人

关于民间借贷中的利息计算，最高人民法院在《关于审理民间借贷案件适用法律若干问题的规定》中进行了比较详细的规定，但是如果不谙其中计算原理，可能会得出迥然不同的结论，自然带给当事人的结果也会大相径庭，故为方便且快捷掌握其中要点，本文从如下三个角度对利息的算法进行了总结。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"http://image.thepaper.cn/www/image/27/592/581.jpg" height="131" width="540" alt="" />上图分界点是法院生效判决确定的履行期限届满之日，之前的利息为一般债务利息，即生效法律文书中确定的利息，之后为迟延履行期间的债务利息，包括迟延履行期间的一般债务利息和加倍部分债务利息两部分。

根据最高人民法院《关于执行程序中计算迟延履行期间的债务利息适用法律若干问题的解释》（以下简称“解释”）中规定，加倍部分债务利息采用单独的计算方法，与一般债务利息的计算没有关系。

通俗地讲，就是两者“各算各的，互不影响”。具体而言，一般债务利息根据生效法律文书确定的基数、起止时间、利率等计算（当然如果是合法约定的债务利息法院一般会直接支持）；

计算加倍部分债务利息则应根据“解释”规定的方法计算，同时要注意加倍部分债务利息的基数不包含迟延履行期间开始前的一般债务利息，应按债务人尚未清偿的生效法律文书确定的除一般债务利息之外的金钱债务计算，即以未付清的借款本金作为基数。

举例说明（摘自2014年7月30日，《关于执行程序中计算迟延履行期间的债务利息适用法律若干问题的解释》公布时，最高人民法院执行局负责人答记者问。）：“2015年6月30日生效的法律文书确定，债务人应在三日内支付债权人借款本金10000元；支付自2015年1月1日始至借款付清之日止以日万分之五计算的利息；债务人迟延履行的，应当根据《中华人民共和国民事诉讼法》第二百五十三条的规定加倍支付迟延履行期间的债务利息。债务人于2015年9月1日清偿所有债务。”

在这个案例中：

“迟延履行期间的债务利息=借款本金生效法律文书确定的一般债务利息率迟延履行期间的实际天数+借款本金日万分之一点七五迟延履行期间的实际天数，即参考法条：