引き直し計算の利率、過払い金について 1、取引履歴の明細…

質問と回答
  • 引き直し計算の利率、過払い金について 1、取引履歴の明細書を受け取る 2、ソフトをダウンロードして引き直し計算をする この2点で、とりあえず、指示通りに 記入して計算してみたのですが、3つ程、疑問があります。 1つ目、 H16年~H17年3月まで 正常利率27.375% H17年3月~H18年まで 正常利率26.500% H20年からは 正常利率18% このように取引の年によって 利率が変わっているのですが、 これは関係なく、一律、法定利率(5%)で計算するということでしょうか? 参考にしたサイト http://www18.ocn.ne.jp/~daichi/risoku-keisan_2.htm 2つ目、 返済後、解約して再契約したのですが、 すべてまとめて、引き直し計算をして大丈夫でしょうか? 3つ目、 正常利率18%の取引履歴の分に関しましては その取引履歴の部分だけソフトに入力せずに計算するのでしょうか? (借りた金額は10万円以上100万円未満です) 他に、間違ってしまいそうな箇所などございましたら アドバイスいただけると嬉しく思います。 これから過払い金の計算をしていきたいと考えております。 分かる方がおられましたら、ぜひご教授の程、宜しくお願い致します。
  • 1つ目 引き直し計算の意味が理解出来ていません。 引き直し計算は過去の取引を 『利息制限法の上限利率以下』で引直すと、 残元金がどれだけ残っているのか?計算するものです。 その額がマイナスであれば過払い金という事になります。 利息制限法を検索して下さい。 どうして『法定利率(5%)』なのですか? 参考サイトにも書いてありませんよ。 2つ目 相手業者に意義を言われるのはあなたですから、 それに反論出来るのであれば一連計算しても良いと思います。 つまりあなた次第かと。 3つ目 1つ目の回答に関係してきますが、 全て入力しないと本来の債務額が 計算出来ないでしょ。 完済しているのであれば過払い金ですが... 1つ目、3つ目に関しては、 引き直し計算の意味合いを良く理解して下さい。 『27.375%』などは違法なので、 過去の取引を合法な利率(利息制限法の上限利率)で 再計算することで本来の債務額または過払い金を計算するものです。

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