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Jan 1 to June 30, 2025
What legal interest rates apply in the first half of 2025?
Publié le 20 décembre 2024 - Directorate for Legal and Administrative Information (Prime Minister)
Legal interest rates are used to calculate penalties for late payment to a creditor. The rates applicable during the first half of 2025 were set by an order published in the Official Journal of 19 December 2024. They shall apply from 1er January 2025.
Legal interest rates are discounted every semester.
The first rate, the highest, relates to cases where a sum of money is due to an individual (i.e. the creditor is an individual); the second rate applies to other creditors (including professional creditors).
Debtor (who must) | Creditor (to whom the money is due) | Rate (1er semester 2025) | Rate (2e semester 2024) |
|---|---|---|---|
Individual | Individual | 7.21% | 8.16% |
Professional | Individual | 7.21% | 8.16% |
Individual | Professional | 3.71% | 4.92% |
Professional | Professional | 3.71% | 4.92% |
The statutory interest rate is used to calculate interest on money owed to a creditor in the event of late payment, particularly in banking, over-indebtedness, credit, divorce or business-to-business cases. For example, in a commercial dispute or a court order requiring you to pay a sum of money, if you pay that sum late, you have to pay additional legal interest.
To calculate the amount of interest, the amount due must be multiplied by the number of days late and by the statutory interest rate applicable over the period. The result must then be divided by the number of days in a year (365), which is the following formula: (sum due) x days late x statutory interest rate) / 365.
365 should also be used in this calculation for a leap year.
Reminder
When we talk about “individual”, we must understand any natural person who is not acting for professional purposes.
Please note
The statutory interest rate plus now stands at 8.71% if the creditor is a professional and 12.21% if the creditor is an individual. This rate shall apply where the debtor has not paid the amount due within two months.
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