# Statutory interest

Source: https://contracko.com/es/glosario/intereses-legales

# Statutory interest

The interest rate set by law that a debtor owes on a late payment when no rate is agreed.

## Definición

Statutory interest is the default rate payable on overdue monetary obligations when the contract is silent. Dutch law distinguishes ordinary statutory interest (article 6:119 BW) for non-commercial debts from the higher statutory commercial interest (article 6:119a BW) for business-to-business transactions. Both rates are fixed periodically by government decree.

## Ejemplo

> A supplier whose invoice is paid two months late can claim statutory commercial interest from the day after the payment term expired.

## Por qué es un riesgo para la empresa

Statutory interest accrues silently and is often overlooked until a dispute is already escalating. For sellers, failing to track when default begins means leaving money on the table. For buyers, unresolved overdue invoices across a portfolio can quietly accumulate significant interest exposure that only surfaces at the point of legal action.

## Cómo gestionarlo

- Identify whether the transaction is B2B or B2C, since this determines which interest rate applies.
- Note the exact date of default in writing, as interest starts from that date and the calculation depends on it.
- For agreed payment terms with a fixed date, default is automatic; for open-ended terms, send a notice of default to start the interest clock.
- Check the current statutory rate periodically as it is updated by government decree; use the rate applicable at the time of default for each period.
- Include a contractual interest clause at or above the statutory rate to remove ambiguity and discourage late payment.

### Cómo ayuda Contracko

Contracko tracks payment deadlines and sends reminders before they fall due, reducing the frequency of late payments that give rise to statutory interest claims. By centralising contract data, teams can quickly identify which agreements are overdue and what default date applies, supporting accurate interest calculations when needed.

## Referencias legales

- [BW 6:119 Dutch Civil Code: statutory interest Derecho neerlandés](https://wetten.overheid.nl/BWBR0005289)
- [BW 6:119a Dutch Civil Code: commercial interest Derecho neerlandés](https://wetten.overheid.nl/BWBR0005289)

Salvo indicación en contrario, las referencias remiten al derecho neerlandés (Burgerlijk Wetboek, el Código Civil neerlandés); los instrumentos de la UE como el RGPD se aplican en toda la UE. Se trata de información general, no de asesoramiento legal. Otras jurisdicciones tratan estos conceptos de forma distinta. Verifique el texto vigente y su situación con un abogado cualificado.

## Relevante para

[Servicios financieros](https://contracko.com/es/sectores/servicios-financieros)[Logística y distribución](https://contracko.com/es/sectores/logistica)[Industria manufacturera](https://contracko.com/es/sectores/fabricacion)

## Cláusulas relacionadas

- [Payment Terms Clause](https://contracko.com/es/biblioteca-de-clausulas/condiciones-de-pago)

## Términos relacionados

- [Payment default](https://contracko.com/es/glosario/impago)
- [Notice of default](https://contracko.com/es/glosario/requerimiento-de-pago)
- [Extrajudicial collection costs](https://contracko.com/es/glosario/gastos-de-cobro-extrajudiciales)
- [Payment terms](https://contracko.com/es/glosario/condiciones-de-pago)

### No vuelva a perder un plazo de contrato

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- Los riesgos y obligaciones afloran automáticamente
- Los recordatorios le ayudan a actuar antes de que las fechas se escapen

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## Preguntas frecuentes

Preguntas comunes sobre este término.

- **Q:** Is statutory commercial interest higher than ordinary statutory interest?
  **A:** Yes. The commercial rate under 6:119a BW is set higher to discourage late B2B payment.

- **Q:** From which date does statutory interest begin to run?
  **A:** Interest runs from the moment the debtor is in default. For a fixed payment date this is automatic; otherwise it starts after a valid notice of default has been sent and the cure period has expired.

- **Q:** Can parties agree a higher interest rate than the statutory rate?
  **A:** Yes, in B2B contracts parties are free to agree a higher contractual rate. For consumer contracts there are limits; any agreed rate that exceeds the statutory rate in a manifestly unfair way may be set aside.

- **Q:** Does statutory interest compound?
  **A:** Under Dutch law statutory interest is calculated on the outstanding principal. Compounding (rente op rente) requires an explicit contractual provision; it does not apply automatically.

- **Q:** Is a reminder letter required before statutory interest starts?
  **A:** Not always. If the contract names a specific payment date, default and interest begin automatically without a reminder. A notice of default (ingebrekestelling) is only needed when no fixed date was agreed.

## Vea estos términos en sus propios contratos

Suba un contrato y Contracko extrae los términos, fechas y obligaciones clave, y luego le recuerda cada uno de ellos antes de que importe.

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