"Has the repayment date passed?" Calculate overdue damages under civil law, commercial law, and the Litigation Promotion Act.
Applicable Rate Reference
Civil Law (5% p.a.): General debt relationships (e.g., personal loans).
Commercial Law (6% p.a.): Commercial debts (goods, services, etc.).
Litigation Promotion Act (12% p.a.): Punitive rate applied from the day after service of the complaint on the defendant (typically ordered in court judgments).