Private Lending Interest Calculator

Problem

Private lending disputes often mix interest, overdue interest, penalties, upfront deductions, and repayment offsets. Calculating only on the stated principal can overstate the claim; relying only on the agreed rate can miss the four-times LPR cap or older 24%/36% rules; mis-ordering payments can distort fees, interest, and principal. This skill frames that calculation as a reviewable workflow.

How It Works

• Extract key facts: actual received principal, stated principal, loan date, maturity date, cutoff date, rates, overdue start date, penalties, and repayment records.
• Determine the applicable rule: the 1991 framework, the 2015 rules, or the post-2020 four-times LPR rule, and separate in-term interest from overdue interest.
• Use deli-cli as the calculation entry point, organize parameters per the CLI guide, and keep stable rules, LPR data, and legal indexes in the skill's references/.
• Produce a case summary, applicable law, segmented calculation table, repayment offsets, totals, and risk notes.

Boundaries

This is a calculation workflow, not legal research or case-law retrieval. When key facts are missing, it asks only for the missing items; for cases before 2015-09-01 without bank benchmark rates, it should not produce a final amount. If the CLI is unavailable or conflicts with local references/, mark the discrepancy and recommend manual review.