• 新闻热点
  • 文化视野
  • 主题活动
  • 文件资料
  • 百姓关注
  • 民间风俗
  • 文化艺术
  • 教育科研
  • 古都名人
  • 旅游出行
  • 当前位置: myyuju个人图书馆 > 新闻热点 > 正文

    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 myyuju个人图书馆手机站

    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。48cD4x44CB5rCR6Ze05YCf6LS35pyf5YaF5Yip5oGvPC9wPjxwPu+8iDHvvInlj4zmlrnnuqblrprliKnmga88L3A+PHA+5rOV6Zmi5a+557qm5a6a55qE5Yip5oGv6K6k5a6a5LiO5aSE55CG5omA56S677yM5bm05Yip546H5Zyo5L2O5LqOMjQl5Yy66Ze077yM5rOV6Zmi5pSv5oyB77ybPC9wPjxwPuWcqDI0JS0zNiXljLrpl7TvvIzlpoLmnpzlvZPkuovkurroh6rmhL/mlK/ku5jlkI7mgpTmg7PopoHlm57vvIzms5XpmaLkuI3kvJrmlK/mjIHvvIzlj43kuYvvvIzlpoLmnpzlh7rlgJ/kurrntKLopoHmraTpg6jliIbliKnmga/vvIzms5XpmaLkuZ/kuI3kvJrmlK/mjIHvvJs8L3A+PHA+6LaF6L+H57qi57q/MzYl77yM5LiN6K665L2V56eN5oOF5b2i77yM5rOV6Zmi5LiA5b6L5LiN5LqI5pSv5oyB44CCPC9wPjxwPuWFt+S9k+WPguingeOAiuWFs+S6juWuoeeQhuawkemXtOWAn+i0t+ahiOS7tumAgueUqOazleW+i+iLpeW5sumXrumimOeahOinhOWumuOAi++8iOS7peS4i+eugOensOKAnOinhOWumuKAne+8iTwvcD48cD7nm7jlhbPms5XmnaHvvJo8L3A+PHA+56ys5LqM5Y2B5YWt5p2h4oCc5YCf6LS35Y+M5pa557qm5a6a55qE5Yip546H5pyq6LaF6L+H5bm05Yip546HMjQl77yM5Ye65YCf5Lq66K+35rGC5YCf5qy+5Lq65oyJ54Wn57qm5a6a55qE5Yip546H5pSv5LuY5Yip5oGv55qE77yM5Lq65rCR5rOV6Zmi5bqU5LqI5pSv5oyB44CC5YCf6LS35Y+M5pa557qm5a6a55qE5Yip546H6LaF6L+H5bm05Yip546HMzYl77yM6LaF6L+H6YOo5YiG55qE5Yip5oGv57qm5a6a5peg5pWI44CC5YCf5qy+5Lq66K+35rGC5Ye65YCf5Lq66L+U6L+Y5bey5pSv5LuY55qE6LaF6L+H5bm05Yip546HMzYl6YOo5YiG55qE5Yip5oGv55qE77yM5Lq65rCR5rOV6Zmi5bqU5LqI5pSv5oyB44CC4oCdPC9wPjxwPuesrOS6jOWNgeWFq+adoeKAnOWAn+i0t+WPjOaWueWvueWJjeacn+WAn+asvuacrOaBr+e7k+eul+WQjuWwhuWIqeaBr+iuoeWFpeWQjuacn+WAn+asvuacrOmHkeW5tumHjeaWsOWHuuWFt+WAuuadg+WHreivge+8jOWmguaenOWJjeacn+WIqeeOh+ayoeaciei2hei/h+W5tOWIqeeOhzI0Je+8jOmHjeaWsOWHuuWFt+eahOWAuuadg+WHreivgei9veaYjueahOmHkemineWPr+iupOWumuS4uuWQjuacn+WAn+asvuacrOmHke+8m+i2hei/h+mDqOWIhueahOWIqeaBr+S4jeiDveiuoeWFpeWQjuacn+WAn+asvuacrOmHkeOAgue6puWumueahOWIqeeOh+i2hei/h+W5tOWIqeeOhzI0Je+8jOW9k+S6i+S6uuS4u+W8oOi2hei/h+mDqOWIhueahOWIqeaBr+S4jeiDveiuoeWFpeWQjuacn+WAn+asvuacrOmHkeeahO+8jOS6uuawkeazlemZouW6lOS6iOaUr+aMgeOAgjwvcD48cD7mjInliY3mrL7orqHnrpfvvIzlgJ/mrL7kurrlnKjlgJ/mrL7mnJ/pl7TlsYrmu6HlkI7lupTlvZPmlK/ku5jnmoTmnKzmga/kuYvlkozvvIzkuI3og73otoXov4fmnIDliJ3lgJ/mrL7mnKzph5HkuI7ku6XmnIDliJ3lgJ/mrL7mnKzph5HkuLrln7rmlbDvvIzku6XlubTliKnnjocyNCXorqHnrpfnmoTmlbTkuKrlgJ/mrL7mnJ/pl7TnmoTliKnmga/kuYvlkozjgILlh7rlgJ/kurror7fmsYLlgJ/mrL7kurrmlK/ku5jotoXov4fpg6jliIbnmoTvvIzkurrmsJHms5XpmaLkuI3kuojmlK/mjIHjgILigJ08L3A+PHA+56ys5LiJ5Y2B5LqM5p2h4oCc5YCf5qy+5Lq65Y+v5Lul5o+Q5YmN5YG/6L+Y5YCf5qy+77yM5L2G5b2T5LqL5Lq65Y+m5pyJ57qm5a6a55qE6Zmk5aSW44CC5YCf5qy+5Lq65o+Q5YmN5YG/6L+Y5YCf5qy+5bm25Li75byg5oyJ54Wn5a6e6ZmF5YCf5qy+5pyf6Ze06K6h566X5Yip5oGv55qE77yM5Lq65rCR5rOV6Zmi5bqU5LqI5pSv5oyB44CC4oCdPC9wPjxwPu+8iDLvvInlj4zmlrnmsqHmnInnuqblrprliKnmga88L3A+PHA+Me+8ieayoeaciee6puWumuWIqeaBr++8jOWHuuWAn+S6uuS4u+W8oOacn+WGheWIqeaBr++8jOS4jeiiq+azlemZouaUr+aMgeOAgjwvcD48cD4y77yJ5YCf5qy+5Lq66Ieq5oS/5pSv5LuY77yM5ZCO5Y+I5Y+N5oKU5Lul5LiN5b2T5b6X5Yip5Li655Sx6KaB5rGC6L+U6L+Y55qE77yM5LiN6LaF6L+H5bm05Yip546HMzYl6YOo5YiG55qE5Yip5oGv77yM5rOV6Zmi5Z2H5LiN5pSv5oyB77yb6LaF6L+HMzYl57qi57q/6YOo5YiG5Yip5oGv5rOV6Zmi5aeL57uI5pSv5oyB6L+U6L+Y44CCPC9wPjxwPuWPguiAg+azleadoe+8mjwvcD48cD7igJzop4TlrprigJ3nrKzkuozljYHkupTmnaHnrKzkuIDmrL7igJzlgJ/otLflj4zmlrnmsqHmnInnuqblrprliKnmga/vvIzlh7rlgJ/kurrkuLvlvKDmlK/ku5jlgJ/mnJ/lhoXliKnmga/nmoTvvIzkurrmsJHms5XpmaLkuI3kuojmlK/mjIHjgILigJ08L3A+PHA+56ys5LiJ5Y2B5LiA5p2h4oCc5rKh5pyJ57qm5a6a5Yip5oGv5L2G5YCf5qy+5Lq66Ieq5oS/5pSv5LuY77yM5oiW6ICF6LaF6L+H57qm5a6a55qE5Yip546H6Ieq5oS/5pSv5LuY5Yip5oGv5oiW6L+d57qm6YeR77yM5LiU5rKh5pyJ5o2f5a6z5Zu95a6244CB6ZuG5L2T5ZKM56ys5LiJ5Lq65Yip55uK77yM5YCf5qy+5Lq65Y+I5Lul5LiN5b2T5b6X5Yip5Li655Sx6KaB5rGC5Ye65YCf5Lq66L+U6L+Y55qE77yM5Lq65rCR5rOV6Zmi5LiN5LqI5pSv5oyB77yM5L2G5YCf5qy+5Lq66KaB5rGC6L+U6L+Y6LaF6L+H5bm05Yip546HMzYl6YOo5YiG55qE5Yip5oGv6Zmk5aSW44CC4oCdPC9wPjxwPu+8iDPvvInlj4zmlrnnuqblrprkuI3mmI48L3A+PHA+Me+8ieiHqueEtuS6uuS5i+mXtOe6puWumuS4jeaYju+8jOazlemZouS4jeaUr+aMgeacn+WGheWIqeaBr+OAgjwvcD48cD4y77yJ6Zmk6Ieq54S25Lq65LmL6Ze05YCf6LS35aSW77yM6Ieq54S25Lq644CB5rOV5Lq644CB5YW25LuW57uE57uH5LmL6Ze05Y+K5YW255u45LqS5LmL6Ze05YCf6LS377yM5Yip5oGv57qm5a6a5LiN5piO55qE77yM5rOV6Zmi5bqU57u85ZCI6ICD6JmR5Lqk5piT5pa55byP44CB5Lqk5piT5Lmg5oOv44CB5biC5Zy65Yip546H562J5Zug57Sg5p2l56Gu5a6a5Yip5oGv77yM5Lmf5bCx5piv55Sx5rOV6Zmi6K6k5a6a5pyA5ZCO55qE5Yip5oGv77yM5LiA6Iis5oyJ54Wn6ZO26KGM5ZCM5pyf6LS35qy+5Yip546H6K6h566X5Yip5oGv44CCPC9wPjxwPuWPguiAg+azleadoe+8mjwvcD48cD7igJzop4TlrprigJ3nrKzkuozljYHkupTmnaHnrKzkuozmrL7igJzoh6rnhLbkurrkuYvpl7TlgJ/otLflr7nliKnmga/nuqblrprkuI3mmI7vvIzlh7rlgJ/kurrkuLvlvKDmlK/ku5jliKnmga/nmoTvvIzkurrmsJHms5XpmaLkuI3kuojmlK/mjIHjgILpmaToh6rnhLbkurrkuYvpl7TlgJ/otLfnmoTlpJbvvIzlgJ/otLflj4zmlrnlr7nlgJ/otLfliKnmga/nuqblrprkuI3mmI7vvIzlh7rlgJ/kurrkuLvlvKDliKnmga/nmoTvvIzkurrmsJHms5XpmaLlupTlvZPnu5PlkIjmsJHpl7TlgJ/otLflkIjlkIznmoTlhoXlrrnvvIzlubbmoLnmja7lvZPlnLDmiJbogIXlvZPkuovkurrnmoTkuqTmmJPmlrnlvI/jgIHkuqTmmJPkuaDmg6/jgIHluILlnLrliKnnjofnrYnlm6DntKDnoa7lrprliKnmga/jgII8L3A+PHA+MuOAgeawkemXtOWAn+i0t+mAvuacn+WIqeaBrzwvcD48cD7vvIgx77yJ57qm5a6a6YC+5pyf5Yip5oGvPC9wPjxwPuawkeS6i+S4u+S9k+S5i+mXtOeahOa0u+WKqO+8jOWni+e7iOmBteW+quKAnOaciee6puS7jue6puKAneeahOWfuuacrOWOn+WIme+8jOWmguaenOWAn+i0t+WPjOaWueS5i+mXtOWvuemAvuacn+WIqeaBr+S4gOW5tuWBmuS6huaYjuehrue6puWumu+8jOWPquimgeS4jei2hei/h+W5tOaBrzI0Je+8jOS+neaNrue6puWumuiuoeeul+WNs+WPr+OAgjwvcD48cD7lj4LogIPms5XmnaHvvJo8L3A+PHA+4oCc6KeE5a6a4oCd56ys5LqM5Y2B5Lmd5p2h56ys5LiA5qy+4oCc5YCf6LS35Y+M5pa55a+56YC+5pyf5Yip546H5pyJ57qm5a6a55qE77yM5LuO5YW257qm5a6a77yM5L2G5Lul5LiN6LaF6L+H5bm05Yip546HMjQl5Li66ZmQ44CC4oCdPC9wPjxwPu+8iDLvvInmsqHmnInnuqblrprmiJbnuqblrprkuI3mmI48L3A+PHA+5q2k5aSE6K+35rOo5oSP77yM5Y2z5L2/5YCf5pyf5YaF5pyq57qm5a6a5Yip5oGv77yM5L2G5piv5Lid5q+r5LiN5b2x5ZON5Li75byg6YC+5pyf5Yip5oGv44CCPC9wPjxwPjHvvInlj4zmnKrnuqbvvIzljbPlgJ/mnJ/lhoXkuI7pgL7mnJ/lnYfmnKrnuqblrprvvIzms5XpmaLln7rmnKzmlK/mjIHmjInlkIzmnJ/pk7booYzotLfmrL7liKnnjoforqHnrpfpgL7mnJ/liKnmga/jgII8L3A+PHA+Mu+8ieWNleacque6pu+8jOWNs+WPque6puWumuWAn+acn+WGheWIqeeOh++8jOi/meS5n+aYr+W+iOW4uOingeeahOawkemXtOWAn+i0t+aWueW8j+OAguatpOaXtu+8jOWujOWFqOWPr+S7peavlOeFp+WAn+acn+WGheWIqeeOh+S4u+W8oOmAvuacn+WIqeeOh+OAgjwvcD48cD7lj6blpJbvvIzmraTlpITpnIDopoHooaXlhYXor7TmmI7nmoTmmK/vvIzkuI3orrrkvaDku6XkvZXnp43nkIbnlLHlkozlkI3nm67kuLvlvKDpgL7mnJ/liKnmga/jgIHov53nuqbph5HmiJbogIXlhbbku5botLnnlKjvvIzmgLvorqHotoXov4flubTliKnnjocyNCXnmoTpg6jliIbvvIzms5XpmaLkuI3kuojmlK/mjIHjgII8L3A+PHA+5Y+C6ICD5rOV5p2h77yaPC9wPjxwPuKAnOinhOWumuKAneesrOS6jOWNgeS5neadoeesrOS6jOasvuKAnOacque6puWumumAvuacn+WIqeeOh+aIluiAhee6puWumuS4jeaYjueahO+8jOS6uuawkeazlemZouWPr+S7peWMuuWIhuS4jeWQjOaDheWGteWkhOeQhu+8mjwvcD48cD4o5LiAKeaXouacque6puWumuWAn+acn+WGheeahOWIqeeOh++8jOS5n+acque6puWumumAvuacn+WIqeeOh++8jOWHuuWAn+S6uuS4u+W8oOWAn+asvuS6uuiHqumAvuacn+i/mOasvuS5i+aXpei1t+aMieeFp+W5tOWIqeeOhzYl5pSv5LuY6LWE6YeR5Y2g55So5pyf6Ze05Yip5oGv55qE77yM5Lq65rCR5rOV6Zmi5bqU5LqI5pSv5oyB77ybPC9wPjxwPijkuowp57qm5a6a5LqG5YCf5pyf5YaF55qE5Yip546H5L2G5pyq57qm5a6a6YC+5pyf5Yip546H77yM5Ye65YCf5Lq65Li75byg5YCf5qy+5Lq66Ieq6YC+5pyf6L+Y5qy+5LmL5pel6LW35oyJ54Wn5YCf5pyf5YaF55qE5Yip546H5pSv5LuY6LWE6YeR5Y2g55So5pyf6Ze05Yip5oGv55qE77yM5Lq65rCR5rOV6Zmi5bqU5LqI5pSv5oyB44CC4oCdPC9wPjxwPuesrOS4ieWNgeadoeKAnOWHuuWAn+S6uuS4juWAn+asvuS6uuaXoue6puWumuS6humAvuacn+WIqeeOh++8jOWPiOe6puWumuS6hui/nee6pumHkeaIluiAheWFtuS7lui0ueeUqO+8jOWHuuWAn+S6uuWPr+S7pemAieaLqeS4u+W8oOmAvuacn+WIqeaBr+OAgei/nee6pumHkeaIluiAheWFtuS7lui0ueeUqO+8jOS5n+WPr+S7peS4gOW5tuS4u+W8oO+8jOS9huaAu+iuoei2hei/h+W5tOWIqeeOhzI0JeeahOmDqOWIhu+8jOS6uuawkeazlemZouS4jeS6iOaUr+aMgeOAguKAnTwvcD48cD4z44CB5bu26L+f5bGl6KGM5YC65Yqh5pyf6Ze055qE5YC65Yqh5Yip5oGvPC9wPjxwPuais+eQhuWujOawkemXtOWAn+i0t+acn+WGheWIqeaBr+S4jumAvuacn+WIqeaBr+eahOiuoeeul++8jOWFs+iBlOeahOi/mOacieS4gOS6m+mHjeimgemXrumimO+8jOWunui3teS4reWunumZhei/mOasvuaXpeacn+W+gOW+gOS8muepv+mAj+WAn+acn+WGheWkluOAgeazlemZoueUn+aViOWIpOWGs++8iOS7suijgeijgeWGs++8ieaMh+WumueahOWxpeihjOacn+mXtOebtOiHs+i/n+W7tuWxpeihjOetie+8jOWmguS4i+WbvuaJgOekuu+8mjxpbWcgc3JjPQ=="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:

    民诉法253条被执行人未按判决、裁定和其他法律文书指定的期间履行给付金钱义务的,应当加倍支付迟延履行期间的债务利息。被执行人未按判决、裁定和其他法律文书指定的期间履行其他义务的,应当支付迟延履行金。

    “解释”第一条根据民事诉讼法第二百五十三条规定加倍计算之后的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。

    迟延履行期间的一般债务利息,根据生效法律文书确定的方法计算;生效法律文书未确定给付该利息的,不予计算。加倍部分债务利息的计算方法为:加倍部分债务利息=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 日万分之一点七五 迟延履行期间。

    来源:日照法律顾问律师团队、民商法律网

    猜你喜欢

    • 新闻热点
    • 文化视野
    • 主题活动
    • 文件
    • 关注
    • 风俗
    • 文化艺术