Reference rate for 1 January – 30 June 2026

The reference rate under section 12 of the Interest Act (633/1982) for the period 1 January – 30 June 2026 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 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 percentage points.

Such reference rate is effective for the following six-month period.