---
title: "DefaultInterest – API-Referenz · Quittio"
description: "Default interest according to section 288 BGB: base rate plus 9 points (business) or 5 points (consumer), split at every change of the base rate. Points, flat rate and day count basis come from the dunning law, by default CountryDE::germanDunningLaw(); the calculation is that of Quittio\\Core\\Dunning\\DefaultInterest. The base rates are those shipped with Quittio plus the rates registered with BaseRates (configured or fetched from the Bundesbank), unless a table is given."
canonical_url: "https://quittio.dev/docs/api/Quittio/Country/DE/Dunning/DefaultInterest"
locale: de
meta:
  "og:description": "Default interest according to section 288 BGB: base rate plus 9 points (business) or 5 points (consumer), split at every change of the base rate. Points, flat rate and day count basis come from the dunning law, by default CountryDE::germanDunningLaw(); the calculation is that of Quittio\\Core\\Dunning\\DefaultInterest. The base rates are those shipped with Quittio plus the rates registered with BaseRates (configured or fetched from the Bundesbank), unless a table is given."
  "og:image": "https://quittio.dev/og/quittio-de.jpg"
  "og:image:alt": "Quittio: E-Rechnungen für PHP und Laravel. Rechtssicher, validiert, archiviert, mit geprüfter Beispielrechnung."
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  "og:title": "DefaultInterest – API-Referenz · Quittio"
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  "twitter:image:alt": "Quittio: E-Rechnungen für PHP und Laravel. Rechtssicher, validiert, archiviert, mit geprüfter Beispielrechnung."
---

> 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) \\ [Country](https://quittio.dev/docs/api/Quittio/Country) \\ [DE](https://quittio.dev/docs/api/Quittio/Country/DE) \\ [Dunning](https://quittio.dev/docs/api/Quittio/Country/DE/Dunning)

# DefaultInterest

final readonly class in quittio/country-de

`Quittio\Country\DE\Dunning\DefaultInterest` · [Source](https://github.com/Quittio/quittio/blob/v0.7.1/packages/country-de/src/Dunning/DefaultInterest.php#L23)

Default interest according to section 288 BGB: base rate plus 9 points (business) or 5 points (consumer), split at every change of the base rate. Points, flat rate and day count basis come from the dunning law, by default CountryDE::germanDunningLaw(); the calculation is that of Quittio\\Core\\Dunning\\DefaultInterest. The base rates are those shipped with Quittio plus the rates registered with BaseRates (configured or fetched from the Bundesbank), unless a table is given.

## Methods \#

| Method | Description |
| --- | --- |
| `->__construct()` | |
| `->calculate()` | Interest charges for an open amount from the first day of default until $until. |
| `->flatRate()` | Flat rate for business debtors (section 288 (5) BGB), once per claim. |

### `__construct()`#

```
public function __construct(BaseRateTable|null $rates = null, DunningLaw|null $law = null)
```

| Parameter | Type | Description |
| --- | --- | --- |
| `$rates` | `[BaseRateTable](https://quittio.dev/docs/api/Quittio/Country/DE/Dunning/BaseRateTable)\|null` = `null` | base rates; null = BaseRates::table() |
| `$law` | `[DunningLaw](https://quittio.dev/docs/api/Quittio/Core/Countries/DunningLaw)\|null` = `null` | null = CountryDE::germanDunningLaw() |

### `calculate()`#

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

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

| 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` = `'de'` | |

<dl><dt>Returns</dt>
<dd><code>list&lt;<a href="https://quittio.dev/docs/api/Quittio/Core/Documents/InterestCharge">InterestCharge</a>&gt;</code></dd>
</dl>

### `flatRate()`#

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

Flat rate for business debtors (section 288 (5) BGB), once per claim.

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

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

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