Расчет пени по ставке рефинансирования
- Что такое пени и неустойка? v
- Расчет пени по ставке рефинансирования v
- Пример расчетов v
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Любая задолженность несет за собой последствия: так, если вы просрочили коммунальный платеж, вы можете остаться без света, газа, воды и т.д. В случае невыплат налоговых взносов, вас могут оштрафовать. Но если вы запоздаете со ставкой рефинансирования, на вас может начать капать пеня.
А значит, когда вам все же придется оплатить долги, кроме основной суммы, придется внести и дополнительные затраты в виде хороших процентов. Давайте разберемся, когда и как насчитывается пеня по ставке рефинансирования.
Что такое пени и неустойка?
В случае, если объект не исполняет свои обязанности или просрочивает их срок, к нему могут быть применены неустойки.
В законе прописано два вида неустоек:
- Пеня – это денежный штраф, который могут применить в случае невыполнения выплат в положенный рок. Обычно ее рассчитывают, как процент от полной суммы, причем начисление ведется каждый день просрочки.
На практике вы можете наблюдать два вида пени:- Фиксированная – в нормативно-правовых актах организации есть фиксированный размер пени, который будет начисляться по задолженности;
- Договорная – объект сам договаривается с организацией о размерах штрафа в виде пени, а также о ее величине;
- Законная – применяется тогда, когда условия не были обговорены с объектом, и не прописаны в документах организации;
- Фиксированный штраф.
В законе, данная сумма значится как процент Центральному Банку за то, что была неуплата по счетам. Не зря ее называют главным индикатором, ведь они применяется как основа для расчетов штрафов и пеней.
Так, для некоторых это сумма важна при взятии кредита, для остальных же, 1/300 часть является пеней по различным задолженностям. Особую роль она играет в качестве ссудных средств в налоговой практике.
Притом, что начисляться он будет таким образом: размер пени должен соответствовать 1/300 от установленной ставки рефинансирования. Ее размер может меняться, потому меняться может и величина пени. Обычно, данную сумму можно найти на сайте Центрального Банка России.
Когда вы берете в долг какие-либо средства, вы должны понимать, что процент от пользования этих средств будет строиться как раз-таки на рефинансированной ставке Центрального Банка. Но, на практике, очень мало банков выдают кредиты по ставке рефинансирование, так как деньги, которые вам дает банк сначала берутся у Центрального банка. 
Скорее всего, это обойдет вам намного дороже. Ведь помимо покрытия своих убытков, нужно также учитывать дополнительную прибыль банка и страховку, что средства будут возвращены.
Если вы вкладываете в банк депозит, процент также будет начислен исходя из ставки рефинансирования.
Таким образом, можно сказать, что данный показатель является одним из самых серьезных, ведь именно на нем строится основная денежная политика страны и Центрального Банка, в частности.
Данный показатель используется во всех расчетах, которые касаются задержек и налогообложения, также она нужна для расчетов пеней и штрафов.
Ввели ее в Российской Федерации в 1992 году, назвав при этом учётной ставкой по централизованным кредитным ресурсам, и долгое время она была такой же, как, например, ставка по кредитам в ломбарде.
По статистике, своих максимальных значений набирала в 1994 году, ведь именно тогда ее цена достигала 210%. На данный момент, она остается в пределах 10%, и, можно сказать, что она полностью стабилизировалась.
Расчет пени по ставке рефинансирования
Итак, пеня является суммой, которая выплачивается объектом в связи с неустойкой. Обычно, данная мера прописывается как экстренная, если субъект не может предоставить деньги в отведенный для него срок.
Она является процентным отношение, так как зависит от суммы, которая не была выплачена. Рассчитывается она каждый день, иногда бывают другие периоды. Если объект не договорился с организацией о величине пени, и это не прописано в нормативных документах организации, выплачивается она в соответствии с законом Российской Федерации.
Начисления начинают происходить на следующий день, когда заканчивается срок погашения платежа, он должен быть равным ставке рефинансирования. ЕЕ величину можно узнать на сайте Центрального Банка России.
А потому, для того чтобы узнать величину пени, вам будет необходимо знать ставку рефинансирования, а также срок его неуплаты.
На практике существует две формулы для пени по расчетам ставки рефинансирования:
- Сумма пени = срок, за который платеж не был выплачен * сумма платежа, который не был выплачен* (ставка рефинансирования/(100*300).
Обратите внимание, что срок начинается со следующего дня, после последнего возможного дня выплат. - Сумма пени = срок просрочки платежа * (Сумма платежа, который не был выплачен/360) * (ставка рефинансирования/100).
Важно знать, что если в период вашей рассрочки, была изменена ставка рефинансирования каждый блок с изменениями стоит считать отдельно от предыдущего.
Для этого возьмите таблицу со ставкой рефинансирования и посчитайте те периоды, когда срок был одинаковым, а потом добавьте полученный результат. Так, если за это время пока висел дог было 3 ставки финансирования, то вам придется отдельно считать три варианта.
Стоит отметить, что когда вы начнете вносить деньги, сначала погасится основной долг, а уже потом пеня. Но оставлять вторую сумму лучше не надо. Потому как существует много вариантов того, что деньги продолжат накапливаться.
Пример расчетов
Давайте представим, что мы являемся собственниками какого-то предприятия, и у нас весит неоплаченный долг, в 50 000 рублей. Посмотрев в Центральном Банке ставку рефинансирования 8,25 %.
Сумма пени = 50 000 * 1/300 * 100 *8,25/100 = 1 375 рублей.
Таким образом, мы должны оплатить не только 50 000 рублей, но и 1 375 рублей сверху, как штраф.
На вид сумма является небольшой, но в зависимости от суммы задолженности и количества дней, цифра может расти. Если данные подсчеты показались вам сложными, или вы неуверены в результате, вы всегда можете воспользоваться сервисом онлайн-калькулятор, который сделает все расчеты за вас.
Единственное, что должны сделать именно вы, так это ввести все необходимые данные, такие как сумма просроченного платежа, количество дней задержки, а также ставку рефинансирования на период вашей неуплаты.
Чаще всего его используют для периодов, когда ставка рефинансирования сильно отличалась друг от друга. И для того чтобы не считать отдельно все показатели и служит такой сервис, с уже встроенной информацией от Центрального банка обо всех ставках на любой период.
Найти его вы сможете по ссылке http://www.arbitr.ru/vas/calc395/
Как вы видите расчет пени не такой уж и сложный процесс, знать необходимо всего три показателя. Но лучше всего будет рассчитать его дома заранее, чтобы в случае чего вы могли знать к чему готовиться, и какие деньги вправе с вас снимать, как неустойку.
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