---
title: "DefaultInterest – API-Referenz · Quittio"
description: "Default interest of a late payment law: the reference rate plus the points of the DunningLaw (business or consumer debtors), split at every change of the reference rate, with the day count basis of the law; a fixed rate of the law for businesses or consumers instead, if it has one. The result goes into DocumentBuilder::interestCharge()."
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---

> Index of every page on this site: [llms.txt](https://quittio.dev/llms.txt)

[API reference](https://quittio.dev/docs/api) / [Quittio](https://quittio.dev/docs/api/Quittio) \\ [Core](https://quittio.dev/docs/api/Quittio/Core) \\ [Dunning](https://quittio.dev/docs/api/Quittio/Core/Dunning)

# DefaultInterest

final readonly class in quittio/core

`Quittio\Core\Dunning\DefaultInterest` · [Source](https://github.com/Quittio/quittio/blob/v0.7.1/packages/core/src/Dunning/DefaultInterest.php#L23)

Default interest of a late payment law: the reference rate plus the points of the DunningLaw (business or consumer debtors), split at every change of the reference rate, with the day count basis of the law; a fixed rate of the law for businesses or consumers instead, if it has one. The result goes into DocumentBuilder::interestCharge().

## Methods \#

| Method | Description |
| --- | --- |
| `->__construct()` | |
| `->calculate()` | Interest charges for an open amount from the first day of default until $until (exclusive). |
| `->flatRate()` | Flat rate for business debtors (e.g. 40 EUR, EU late payment directive), once per claim. |
| `::forCountry()` | Default interest with the reference rates and the dunning law of a country pack. |

### `__construct()`#

```
public function __construct(
    ReferenceRates|null $rates,
    DunningLaw $law,
    (Closure(BigDecimal $rate, BigDecimal $referenceRate, string $points, Date $from, Date $lastDay, string $locale): ?string)|null $describe = null,
)
```

| Parameter | Type | Description |
| --- | --- | --- |
| `$rates` | `[ReferenceRates](https://quittio.dev/docs/api/Quittio/Core/Dunning/ReferenceRates)\|null` | null for a law with fixed rates only (DunningLaw::hasFixedRates()) |
| `$law` | `[DunningLaw](https://quittio.dev/docs/api/Quittio/Core/Countries/DunningLaw)` | |
| `$describe` | `(Closure(Brick\Math\BigDecimal $rate, Brick\Math\BigDecimal $referenceRate, string $points, [Date](https://quittio.dev/docs/api/Quittio/Core/Support/Date) $from, [Date](https://quittio.dev/docs/api/Quittio/Core/Support/Date) $lastDay, string $locale): ?string)\|null` = `null` | text of a charge, e.g. "Verzugszinsen 9 Prozentpunkte über dem Basiszinssatz …"; null = no text |

### `calculate()`#

```
public function calculate(
    Money $amount,
    Date $from,
    Date $until,
    bool $consumer = false,
    string $locale = 'en',
): list<InterestCharge>
```

Interest charges for an open amount from the first day of default until $until (exclusive).

| Parameter | Type | Description |
| --- | --- | --- |
| `$amount` | `Brick\Money\Money` | |
| `$from` | `[Date](https://quittio.dev/docs/api/Quittio/Core/Support/Date)` | |
| `$until` | `[Date](https://quittio.dev/docs/api/Quittio/Core/Support/Date)` | |
| `$consumer` | `bool` = `false` | |
| `$locale` | `string` = `'en'` | |

<dl><dt>Returns</dt>
<dd><code>list&lt;<a href="https://quittio.dev/docs/api/Quittio/Core/Documents/InterestCharge">InterestCharge</a>&gt;</code></dd>
<dt>Throws</dt>
<dd><code><a href="https://quittio.dev/docs/api/Quittio/Core/Exceptions/ConfigurationException">ConfigurationException</a></code> – without reference rates for a debtor whose rate is not fixed</dd></dl>

### `flatRate()`#

```
public function flatRate(string $currency = 'EUR'): ?Money
```

Flat rate for business debtors (e.g. 40 EUR, EU late payment directive), once per claim.

| Parameter | Type | Description |
| --- | --- | --- |
| `$currency` | `string` = `'EUR'` | |

<dl><dt>Returns</dt>
<dd><code>?Brick\Money\Money</code></dd>
</dl>

### `forCountry()`#

```
public static function forCountry(CountryPack $pack): self
```

static

Default interest with the reference rates and the dunning law of a country pack.

| Parameter | Type | Description |
| --- | --- | --- |
| `$pack` | `[CountryPack](https://quittio.dev/docs/api/Quittio/Core/Countries/CountryPack)` | |

<dl><dt>Returns</dt>
<dd><code>self</code></dd>
<dt>Throws</dt>
<dd><code><a href="https://quittio.dev/docs/api/Quittio/Core/Exceptions/ConfigurationException">ConfigurationException</a></code> – for a pack without reference rates whose law has no fixed rates</dd></dl>

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