Skip to content

Calculating Fines / Penalties / Late Fees

Calculates fines, late fees, and penalties on overdue debt. Supports several calculation methods: by the CBR key rate, fixed percentage, or fixed amount.

URL

Method: POST

  • Production: https://registry.wallet.kvell.group/reg2/billing/loans/penalty

Request parameters

Name Type Required Description
principal number Yes Loan principal
annualRate number Yes Annual rate (%)
penaltyRateDaily number Yes Daily penalty rate (%)
issueDate date Yes Loan issue date in YYYY-MM-DD format
dueDate date Yes Loan due date in YYYY-MM-DD format
calculationDate date Yes Calculation date in YYYY-MM-DD format

Example request

{
  "principal": 10000,
  "annualRate": 365,
  "penaltyRateDaily": 0.1,
  "issueDate": "2025-01-01",
  "dueDate": "2025-01-10",
  "calculationDate": "2025-01-20"
}

Request headers

Name Type Required Description
X-Api-Key string Yes Unique identifier (UUID)

Response

Example response

{
  "interestAccrued": 1900.0,
  "penaltyAccrued": 100.0,
  "totalDebt": 12000.0,
  "limitExceeded": false
}

Response parameters

Name Type Description
interestAccrued number Interest accrued on the loan
penaltyAccrued number Penalty for the delay
totalDebt number Total debt
limitExceeded boolean Flag indicating whether the calculated debt exceeds the statutory limit