Zimer - Online Loan from a robot of loans Annual interest rate - 365% per annum. Interest and penalties charged under the Consumer Loan Agreement cannot exceed one and a half times the amount of the loan. An example of calculating the interest rate for a loan of 15,000 rubles for a period of 75 days: The interest rate for using a loan in each of 75 days is 1% per day. The total cost of the loan is 365% per annum. The amount of interest accrued for 75 days of using the loan (75%) - 11,250 rubles. Refund amount: 15,000 + 11,250 = 26,250 rubles. Interest for using the loan amount in case of violation of the loan repayment period and accrued interest for 10 days (10% of the loan amount) - 1,500 rubles. Penalty on the loan amount in the amount of 20% per annum of the loan amount is charged for the delay in repayment of the loan for 10 days - 82.1 rubles. The amount to be returned in case of violation of the loan repayment period and accrued interest for 10 days: 26 250 + 1500 + 82.1 = 27 832.1 rubles.