{"country":"DE","series":"late-payment-interest","value":10.4,"unit":"percent","effective_from":"2026-07-01","last_confirmed":"2026-07-29","source":{"name":"Derived from the ECB main refinancing rate (this API's ecb-main-refinancing-rate series) under EU Directive 2011/7/EU, art. 2 (half-yearly snapshot)","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32011L0007"},"notes":"EU-harmonised statutory interest for late payment in commercial transactions = ECB main refinancing rate (snapshotted on 1 January / 1 July) + 8 percentage points (Directive 2011/7/EU, art. 2). This is the Directive MINIMUM and the figure the European Commission publishes per member state; national transposition may set a HIGHER rate for some transaction types. Because it is a half-yearly snapshot, the value tracks the MRO as of the half-year start, not today's live MRO. Derived live from this country's ecb-main-refinancing-rate series.","confidence":"derived","confidence_note":"Computed from another series we hold (reference rate plus the statutory margin), not read from a document.","reference":{"series":"ecb-main-refinancing-rate","label":"ECB main refinancing rate on the first day of the calendar half-year","rate":2.4,"effective_from":"2026-07-01"},"rates":[{"key":"directive","label":"EU Late Payment Directive statutory rate (reference + 8pp)","spread":8,"value":10.4,"article":"Directive 2011/7/EU, art. 2(6)-(7)","source":{"name":"Directive 2011/7/EU on combating late payment in commercial transactions, art. 2(6): statutory interest = reference rate + at least 8 percentage points; art. 2(7): for the euro area the reference rate is the ECB main refinancing rate in force on the first day of the half-year","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32011L0007"}}],"stale":false,"disclaimer":"Independent service, not affiliated with any government. Verify against the cited official source before legal or financial use."}