Common sense tells#
Starting from 2016, the rate of "law interest" in Poland depends on the nature of arrears.
Current rates are:
Current rates are:
- 10.75% in the case of interest for delay,
- 8.75% in case of capital interest,
- 11.75% in case of interest for delay in commercial transactions.
Polish "law interest"#
| Period | Rate before 2016 [%] | Rate after 2016 (for delay) [%] | Rate after 2016 (capital interest) [%] | Rate after 2016 (for delay commercial) [%] |
| from 1990-01-01 | 720 | - | - | - |
| from 1990-02-01 | 480 | - | - | - |
| from 1990-03-01 | 216 | - | - | - |
| from 1990-04-01 | 216 | - | - | - |
| from 1990-05-01 | 144 | - | - | - |
| from 1990-07-01 | 60 | - | - | - |
| from 1990-12-01 | 90 | - | - | - |
| from 1991-03-01 | 140 | - | - | - |
| from 1991-09-15 | 80 | - | - | - |
| from 1992-08-15 | 60 | - | - | - |
| from 1993-05-01 | 54 | - | - | - |
| from 1995-12-15 | 46 | - | - | - |
| from 1997-01-01 | 35 | - | - | - |
| from 1998-04-15 | 33 | - | - | - |
| from 1999-02-01 | 24 | - | - | - |
| from 1999-05-15 | 21 | - | - | - |
| from 2000-11-01 | 30 | - | - | - |
| from 2001-12-15 | 20 | - | - | - |
| from 2002-07-25 | 16 | - | - | - |
| from 2003-02-01 | 13 | - | - | - |
| from 2003-09-25 | 12.25 | - | - | - |
| from 2005-01-10 | 13.5 | - | - | - |
| from 2005-10-15 | 11.5 | - | - | - |
| from 2008-12-15 | 13 | - | - | - |
| from 2014-12-23 | 8 | - | - | - |
| from 2016-01-01 | - | 7 | 5 | 9.5 |
| from 2020-03-18 | - | 6.5 | 4.5 | 9.5 |
| from 2020-04-09 | - | 6 | 4 | 9.5 |
| from 2020-05-29 | - | 5.6 | 3.6 | 9.5 |
| from 2021-10-07 | - | 6 | 4 | 9.5 |
| from 2021-11-04 | - | 6.75 | 4.75 | 9.5 |
| from 2021-12-09 | - | 7.25 | 5.25 | 9.5 |
| from 2022-01-05 | - | 7.75 | 5.75 | 9.5 |
| from 2022-02-09 | - | 8.25 | 6.25 | 9.5 |
| from 2022-03-09 | - | 9 | 7 | 9.5 |
| from 2022-04-07 | - | 10 | 8 | 9.5 |
| from 2022-05-06 | - | 10.75 | 8.75 | 9.5 |
| from 2020-07-01 | - | 10.75 | 8.75 | 10.1 |
| from 2022-01-01 | - | 10.75 | 8.75 | 11.75 |