Reference rat and penalty interest 1st of July to 31st of December 2025

The reference rate under section 12 of the Interest Act (633/1982) for the period 1 July - 31 December 2025 is 2,5 %. The penalty interest rate for the same period is 9.5 % pa (under section 4 of the Act, the reference rate plus seven (7) percentage points).

The penalty interest rate applicable to commercial contracts is 10.5 % pa (under section 4 a of the Act, the reference rate plus eight (8) percentage points).

The reference rates mentioned above are applicable during the coming six months.