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BGB 247*). 1 The basic rate of interest is 3.62%.** ) It changes on 1 January and 1 July each year by the percentage points by which the reference rate has risen or fallen since the last change in the basic rate of interest . The reference rate is the rate of interest for the most recent main refinancing operation of the European Central Bank before the first calendar day of the relevant six-month period .
BGB 288. 1 Any money debt must bear interest during the time of default . The default rate of interest per year is five percentage points above the basic rate of interest .
BGB 288. 2 In the case of legal transactions to which a consumer is not a party the rate of interest for claims for payment is eight percentage points above the basic rate of interest .
BGB 492. 2 The effective annual rate of interest is the total charge per annum , to be expressed as a percentage of the net loan amount . The effective and the initial effective annual rate of interest are calculated in compliance with section 6 of the Statutory Order on Price Quotation [ Verordnung zur Regelung der Preisangaben ] .