22 days late period: Everything You Need to Know

Everything You Need to Know

My period is late: is there any reason to be worried?

Numerous studies show that a slight variation in the length of your menstrual cycle is normal.

More than 100 women with average menstrual cycle lengths (between 21 and 35 days) took part in a large-scale study that showed interesting results: cycle variability of more than seven days was observed in 42.5 percent of the participants! As you can see, a one to two-day variation is very common.

Another large study conducted by Flo and the University of Adelaide showed that only about 16 percent of the participants had a 28-day cycle, even though you might have been told this was the typical length for menstrual cycles.

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A late period under 16

Many teenagers want to know why their period is late. For many, the first few years of menstruation involve irregular periods.

The body is still developing in this stage of life, and a teen’s ovaries do not always release an egg monthly. This may result in irregular cycles — fewer than 20 or more than 45 days. A typical cycle for teenagers lasts between 21 and 45 days.

Having fluctuating periods for two years or less during adolescence is likely nothing to worry about. Your health care provider can conduct a physical exam to make sure everything’s healthy. Teens’ cycles start to regulate as their hormone levels stabilize, although some will still have irregular cycles on an ongoing basis.

Continue monitoring your body. When your period comes, use Flo to log the date and your symptoms. The app can help you better predict your period, even if you have an irregular cycle.

Is a late period reason to take a pregnancy test?

There are many reasons for a late period besides pregnancy. When you stop having periods, it could be related to lifestyle factors such as stress, a strict diet, or extensive physical activity.

It might also result from the use of birth control pills, various diseases, hormonal abnormalities, or problems with your reproductive organs. Finally, it could be due to pregnancy.

Home pregnancy tests allow you to determine if you’re pregnant at a very early stage. These tests detect the presence of the pregnancy hormone called human chorionic gonadotropin (hCG) in your urine. Your body makes this hormone when a fertilized egg is implanted in your uterus.

Is your period five days late or more? Take the test for the most accurate results. Some tests might be more sensitive than others.

Reasons for a late period: what might they be?

If your period is five days late, it doesn’t necessarily mean you’re pregnant. There are multiple factors that can cause your period to be late:

• Physiological — Stress, sudden weight changes, climate or time zone changes, breastfeeding (lactational amenorrhea), etc.
• Medically induced — Associated with taking or stopping medications including hormonal contraceptives and antidepressants​
• Pathological — Caused by diseases such as ovarian pathology, uterine diseases, endocrine system disorders, etc.

Low body weight

Excessively low body weight — weight that is about 10 percent below normal — interrupts many hormonal functions in your body, which can cause ovulation and menstruation to stop.

People who have an eating disorder, such as anorexia or bulimia, often have delayed periods because of these abnormal hormonal changes.

Exercise

Doing physical activities that require rigorous training, combined with other factors, such as low body fat, stress, and high energy expenditure, may disrupt your menstrual cycle. Don’t forget to add workouts and other physical activity in Flo; it will make the prediction of your menstrual cycle and ovulation more accurate. 

It’s important to remember that if your period is more than five days late, you should consult your health care provider.

Frequently asked questions about late periods

Can you miss a period and not be pregnant?

Yes! Pregnancy isn’t the only thing that can cause a missed period. Hormonal imbalances, such as those caused by polycystic ovary syndrome or follicular cysts, can make you miss your period. Stress, hormonal birth control, excessive exercise, malnutrition, breastfeeding, chronic diseases, and certain drugs can all cause you to miss a period.

How long does it take to miss a period after conception?

Most people miss their period around two weeks after conception. That’s because conception tends to happen around day 12–14 before your next period starts, which is when you ovulate. Two weeks after that, you’re on approximately day 28 of your cycle, which is when you would normally expect your period to come. 

Can I miss my period for two months and not be pregnant?

Depending on the cause, yes. Conditions like polycystic ovary syndrome, premature ovarian failure, chronic diseases, and malnutrition can make you miss consecutive periods. Some oral contraceptives can also stop your periods. However, it’s always a good idea to take a pregnancy test in these cases. If the test is negative, make an appointment with your health care provider to determine the cause of your missed periods.

How soon can you tell if you are pregnant?

Most health care providers recommend that you wait until the first day of your missed period to take a pregnancy test, because taking a test too soon after conception can lead to a false-negative result. However, some tests are more sensitive than others and can be taken as soon as 7 to 12 days after conception. The most precise way to determine pregnancy is to take a blood test to measure your level of hCG.

What are some home remedies for late periods?

The treatment for irregular periods depends on their cause. Since stress is a major factor in irregular menstrual cycles, activities such as yoga can help. Maintaining a healthy weight, gentle and regular exercise, and avoiding stress may help with irregular periods.

Can stress make your period late?

Absolutely! Stress and anxiety can cause hormonal imbalances that lead to many symptoms such as diarrhea, rapid breathing, abdominal pain, and late periods. Stress can suppress the action of certain hormones that are needed to regulate your menstrual cycle. That’s why finding effective stress management techniques can be helpful in regulating your menstrual cycle.

How much delay in periods is normal?

Menstrual cycles are considered normal if they last anywhere between 21 to 35 days. Your cycle can vary, but your period is considered late after five days from the date when you expected it to come. A period is considered to have been missed if it’s been six weeks or more since the first day of your last menstruation.

What are the signs of implantation?

Implantation is the process when an embryo attaches itself to the uterine lining. It doesn’t always cause symptoms. However, some people report feeling light cramping, headaches, and mood swings around the time of implantation. Implantation bleeding can occur around the date when you expect your period, but it’s usually lighter and only causes pink or brown spotting or discharge.

How can you tell if you’re pregnant within the first week?

Most tests won’t be able to detect a pregnancy within a week of conception. Some tests can be used as early as the first week after having unprotected sex, but they’re not always reliable. If you get a negative test a week after sex, you should repeat it if you miss your period.

How many days after a missed period is a pregnancy test positive?

Once you’ve missed your period, most pregnancy tests are accurate. But some people might have lower hCG levels that can’t be detected by tests quite so soon. You can repeat a test 5 to 10 days after missing your period for more accurate results. A blood test can also accurately measure your hCG levels.

How late can a period be? Causes and when to seek help

Pregnancy is one cause of a late period, but there can be many other factors to consider.

The average menstrual cycle lasts about 28 days, but it can vary from person to person.

Keeping track of periods can help a person determine the length of their cycle and recognize any irregularities.

Keep reading to learn more about the causes of late periods and when to seek medical attention.

Share on PinterestSmartphone apps can make tracking the menstrual cycle easier.

When someone starts getting their period for the first time, it can take a few months or years before their cycle becomes regular.

According to The American College of Obstetricians and Gynecologists, a typical menstrual cycle lasts 28 days. However, depending on the person, a healthy cycle may last 21–45 days.

Many people track their periods to check for any changes in their cycle. Some smartphone apps make tracking easier.

Anyone who notices changes in their cycle should consult a doctor.

Amenorrhea is the medical name for an absence of periods. If a female does not start menstruating by 16 years of age, a doctor may diagnose “primary” amenorrhea.

If a person who was having periods suddenly stops menstruating, the doctor may refer to this as “secondary” amenorrhea.

It is important for a person to see a doctor if they have missed more than three periods in a row.

A variety of factors can disrupt a person’s menstrual cycle. Periods may come back on their own, but if delays are persistent, a doctor — such as a gynecologist — should explore the possible causes.

A late period can indicate pregnancy. However, other circumstances and medical conditions can also lead to late or missed periods. The following can have this effect:

Birth control medications

These medications prevent pregnancy by stopping ovulation, and they can also disrupt the menstrual cycle.

For example, regular bleeding is a common side effect of some hormone-based types of birth control, such as the progesterone-only injection.

Also, stopping and starting birth control medication can cause irregularities in the menstrual cycle.

However, once a person starts taking the medication regularly, their periods may regulate as well. If periods continue to be irregular, speak with a doctor.

Menopause

People approaching menopause may notice delays in their periods.

Early in the transition toward menopause, the cycle length can differ by 7 or more days each time. As the transition progresses, the time between periods increases.

Eventually, menstruation stops. Menopause begins when an individual has not had a period for 12 months in a row.

Menopause typically occurs around the age of 51 years. But it can vary and may start between 45 and 58 years of age.

Obesity and anorexia

Research indicates that people with obesity tend to experience more menstrual irregularities than people with moderate weight.

When relevant, doctors often recommend working toward a healthy weight to people who have irregular cycles. However, if a person has obesity, losing weight may not always reverse the irregularity.

Anorexia is an eating disorder that causes weight loss or, in children, a lack of weight gain. Anorexia often develops in adolescence, but it can occur at any age.

A person with anorexia may have imbalances of two essential hormones that support the menstrual cycle and fertility: follicle stimulating hormone (FSH) and luteinizing hormone (LH).

According to the National Eating Disorders Association, one sign of anorexia is a loss of periods after puberty.

Functional hypothalamic amenorrhea

Functional hypothalamic amenorrhea is one of the most common causes of secondary amenorrhea — periods that stop.

In people with this condition, weight loss, stress, and high levels of exercise contribute to amenorrhea. These factors cause irregularities in the release of a specific hormone that causes impairment of FSH and LH.

People with functional hypothalamic amenorrhea may also have low levels of estrogen in their blood.

Doctors may also find that these people have:

• mildly high cortisol levels
• low insulin levels
• low insulin-like growth factor-1 levels
• low triiodothyronine levels

These imbalances can cause:

• menstrual irregularities
• infertility
• decreased bone mass
• cardiovascular complications
• glucose metabolism irregularities

Other hormonal imbalances

Sex hormones help regulate periods, but other hormones can also affect menstrual cycles. For example, imbalances in levels of thyroid hormone or prolactin can alter the length of a cycle.

According to an older study, more than half of females with high levels of thyroid hormone — a condition called hyperthyroidism — may experience disrupted menstrual cycles, including amenorrhea.

Others with low levels of thyroid hormone — or hypothyroidism — tend to experience more frequent bleeding.

A person may have high levels of the hormone prolactin in their blood — a condition called hyperprolactinemia.

Levels of this hormone tend to rise during pregnancy and breastfeeding, but they can also spike in people who take certain medications or who have diseases of the pituitary gland or hypothalamus.

People with hyperprolactinemia may experience amenorrhea, discharge from the nipples, and low bone mass.

Polycystic ovary syndrome

Polycystic ovary syndrome (PCOS) is the most common endocrine disorder in people of reproductive age, globally. Individuals with PCOS may have:

• acne
• menstrual irregularities
• high insulin levels

Doctors may recommend lifestyle modifications, hormonal treatments, and the drug metformin to help regulate the menstrual cycle.

Some people with PCOS also experience infertility.

People take Plan B to prevent pregnancy following sex without contraception.

A person should take the medication within 72 hours of sex, as the efficacy of the drug decreases over time. It contains only levonorgestrel, a synthetic version of the hormone progestin.

After taking Plan B, a person can expect to get their period at the usual time, but there may be a delay of up to 1 week.

Also, some people experience spotting or bleeding between taking Plan B and getting their period.

It is important to note that Plan B is not 100% effective. If a person does not get their period within a week of taking the drug, it is probably a good idea to take a pregnancy test.

Missing a period does not always indicate pregnancy or a health issue.

Speak with a doctor if periods do not arrive by age 16 or if they stop for more than 3 months in a row.

Tracking periods can help a person recognize any irregularity. Anyone who notices a change in the length of time between periods should speak with a doctor.

Also, it is a good idea to consult a doctor if periods come more often than every 21 days or less often than every 45 days.

Amenorrhea is not life-threatening. However, the hormonal imbalances that can cause it can also lead to harmful complications, such as hip and wrist fractures.

A doctor can help identify the cause of menstrual irregularity and recommend an effective treatment or management plan.

Also, anyone who suspects that they are pregnant, even after taking Plan B, should speak with a doctor.

Menstrual irregularities are common.

Some people worry that they are pregnant or have a medical condition if they miss their period, but many other factors can contribute to a delay. Hormonal imbalances, stress, and weight loss, for example, can all play a role.

Anyone who believes that they may be pregnant or who misses more than three consecutive periods should speak with a doctor.

Tracking periods helps a person detect any changes.

A doctor can identify the cause of missed periods and recommend an appropriate course of action, if any is necessary.

Menstrual Period – Missed or Late

Is this your child’s symptom?

• Late or missed menstrual period
• Late period: 5 or more days late compared to normal menstrual cycle
• Missed period: no menstrual flow for more than 6 weeks
• Teen not using any birth control that stops periods. These products include birth control shots, implants, and IUDs with hormones.

Normal Cause of a Missed Period during the First Year

• Skipping periods is common during the first 1 to 2 years after they start. This is due to not releasing an egg each month.
• This is most likely the cause if less than 2 years since the first period
• Has missed periods in the past or has had only 1 or 2 periods
• Otherwise healthy
• No signs of pregnancy such as breast tenderness, breast swelling or nausea

Common Cause of a Missed Period after the First Year

• Pregnancy is the most common cause

Other Causes

• Stress
• Dieting, extreme exercise and weight loss
• Polycystic ovarian disease
• Endocrine disorders
• Birth control products like birth control shots, implants, and some IUDs

Home Urine Pregnancy Tests

• Home urine pregnancy tests do not cost very much. They are easy to use. Most drugstores sell these tests. No prescription is needed.
• Urine pregnancy tests are very accurate. They can turn positive as early as the first week after a missed period.
• It is best to do the pregnancy test first thing in the morning. Reason: hormone levels are higher in the morning urine.
• Sometimes, a home test is negative even if you think you might be pregnant. In this case, repeat the test. Do the repeat test in 3-5 days. You can also go to a doctor’s office for testing.
• A pregnancy testing fact sheet can be found at www.womenshealth.gov. Search “pregnancy tests.”

When to Call for Menstrual Period – Missed or Late

Call Doctor or Seek Care Now

• Your teen looks or acts very sick
• You think your teen needs to be seen, and the problem is urgent

Contact Doctor During Office Hours

• Home pregnancy test is positive
• You want a pregnancy test done in the office
• Sexual intercourse (had sex) within the last 3 months
• Recent breast swelling, weight gain or nausea
• Teen acts sick
• Has missed 2 or more periods and prior periods were regular
• Recent weight loss
• Excessive exercise suspected as cause of no periods
• First period started less than 1 year ago and has missed 4 or more periods
• Age 15 or older and periods have not started
• Cause is unknown (not recent onset of menstrual periods or recent stress)
• You think your teen needs to be seen, but the problem is not urgent
• You have other questions or concerns

Self Care at Home

• Pregnancy suspected or possible
• First period started less than 1 year ago and has missed 3 periods or less
• Recent stress (such as starting at a new school, break-up) causing late period

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Care Advice

Pregnancy Suspected or Possible

1. What You Should Know About Late Periods if Having Sex:
   • Menstrual periods stop when a woman becomes pregnant.
   • A woman with a missed or late period should think about pregnancy.
   • Here is some care advice that should help.
2. Pregnancy Test, When in Doubt:
   • If there is a chance that you might be pregnant, use a urine pregnancy test.
   • You can buy a pregnancy test at any drugstore.
   • It works best first thing in the morning.
   • Follow all package instructions.
3. Call Your Doctor If:
   • You have trouble with the home pregnancy test
   • Pregnancy test is positive
   • Misses 2 periods and pregnancy test is negative
   • Your teen develops any serious symptoms

First Period Started Less than 1 Year Ago

1. What You Should Know About First Periods in Young Teens:
   • Skipping periods is common during the first 1 or 2 years after they start.
   • It doesn’t mean anything serious or cause any harm.
   • A girl can normally go up to 6 months between the first and second periods.
   • Also, a girl can go up to 4 months between the second and third periods.
   • Normal irregular periods can go on for 2 years.
2. Call Your Doctor If:
   • Misses 4 periods
   • New symptoms suggest pregnancy (such as morning sickness)
   • You have other questions

Recent Stress Causing Late Period

1. What You Should Know about Stress and Late Menstrual Periods:
   • Stress can disrupt normal menstrual cycles.
   • Try to help your daughter deal with the stress by talking about it.
   • Also, try to avoid or decrease stressors.
   • If this does not help, seek help from a counselor.
2. Call Your Doctor If:
   • Misses 2 periods
   • Your daughter needs help coping with stress
   • New symptoms suggest pregnancy (such as morning sickness)
   • You have other questions

And remember, contact your doctor if your child develops any of the ‘Call Your Doctor’ symptoms.

Disclaimer: this health information is for educational purposes only. You, the reader, assume full responsibility for how you choose to use it.

Last Reviewed: 10/10/2022

Last Revised: 01/13/2022

Copyright 2000-2022. Schmitt Pediatric Guidelines LLC.

Tax Code of the Russian Federation Article 75. Penalty \ Consultant Plus

Consultant Plus: note.

From 01.01.2023 Art. 75 is set out in a new edition (FZ of July 14, 2022 N 263-FZ). See future edition.

Tax Code of the Russian Federation Article 75. Penalty

Tax Guide. Issues of application of Art. 75 of the Tax Code of the Russian Federation

– Is it possible to reduce the amount of penalties accrued to the taxpayer?

– Is it possible to collect penalties if the tax arrears on which they are charged occurred outside the audited period?

– Are penalties charged if the decision to set off the overpayment against future tax payments is made by the inspectorate after the due date for tax payment, and the set-off application has been submitted before that moment?

– Is it possible to collect penalties for non-payment of advance payments for the reporting period, if the tax for the tax period has already been paid?

1. Penalty is recognized as the amount of money established by this article, which the taxpayer must pay in the event of payment of due amounts of taxes, including taxes paid in connection with the movement of goods across the customs border of the Customs Union, at a later date than those established by the legislation on taxes and due dates.

-FZ)

(see the text in the previous edition)

fees.

(as amended by Federal Law No. 243-FZ of July 3, 2016)

(see text in previous edition)

Consultant Plus: note.

P. 3 Art. 75 (as amended by the Federal Law of November 27, 2018 N 424-FZ) applies to arrears formed after December 27, 2018.

3. Unless otherwise provided by this Article and Chapters 25 and 26.1 of this Code, the fine shall be accrued for each calendar day of delay in the fulfillment of the obligation to pay tax, starting from the day following the day of payment of tax established by the legislation on taxes and fees until the day of fulfillment of the obligation to pay tax. payment inclusive. The amount of penalties accrued for arrears cannot exceed the amount of this arrears.

(as amended by Federal Law No. 424-FZ of November 27, 2018)

(see the text in the previous edition)

46 of this Code, measures were taken to enforce the collection of tax) could not be repaid due to the fact that, by decision of the tax authority, the property of the taxpayer was seized or, by decision of the court, provisional measures were taken in the form of suspension of operations on the accounts of the taxpayer (a member of the consolidated group of taxpayers, to which, in accordance with Article 46 of this Code, measures were taken to enforce the collection of tax) in a bank, seizure of funds or property of a taxpayer (a member of a consolidated group of taxpayers). In this case, penalties are not charged for the entire period of the specified circumstances. Submission of an application for a deferment (installment plan) or an investment tax credit does not suspend the accrual of interest on the amount of tax payable.

(as amended by Federal Law No. 321-FZ of November 16, 2011)

(see the text in the previous edition)

ConsultantPlus: note.

P. 4 Art. 75 (as amended by the Federal Law of March 26, 2022 N 67-FZ) applies to arrears that arose, including before March 26, 2022.

4. Penalty for each calendar day of delay in fulfilling the obligation to pay tax is determined as a percentage of the unpaid tax amount.

Unless otherwise provided by this paragraph, the interest rate of penalty interest shall be equal to:

(as amended by Federal Law No. 67-FZ of March 26, 2022)

(see the text in the previous edition)

for individuals, including individual entrepreneurs – one three hundredth of the refinancing rate of the Central Bank of the Russian Federation in force at that time ;

for organizations:

for delay in fulfilling the obligation to pay tax for up to 30 calendar days (inclusive) – one three hundredth of the current refinancing rate of the Central Bank of the Russian Federation;

for delay in fulfilling the obligation to pay tax for a period of more than 30 calendar days – one three hundredth of the refinancing rate of the Central Bank of the Russian Federation, effective in the period up to 30 calendar days (inclusive) of such delay, and one hundred and fiftieth of the refinancing rate of the Central Bank of the Russian Federation, effective in the period starting from the 31st calendar day of such delay.

In the period from March 9, 2022 to December 31, 2023, the interest rate for organizations is taken equal to one three hundredth of the refinancing rate of the Central Bank of the Russian Federation in force in this period.

(paragraph introduced by Federal Law No. 67-FZ of March 26, 2022)

(Clause 4 as amended by Federal Law No. 401-FZ of November 30, 2016)

(see the text in the previous version)

4.1. The legislative (representative) body of state power of the constituent entity of the Russian Federation, on the territory of which the procedure for determining the tax base for the property tax of individuals is applied based on the cadastral value of objects of taxation, has the right to adopt a law establishing that fines are charged on the amount of arrears in property tax of individuals :

1) for the tax period of 2015 – starting from May 1, 2017;

2) for the tax period of 2016 – starting from July 1, 2018;

3) for the tax period of 2017 – starting from July 1, 2019.

(clause 4.1 as amended by Federal Law No. 335-FZ of November 27, 2017)

(see the text in the previous edition)

5. Penalties are paid simultaneously with the payment of tax amounts or after payment of such amounts in full.

(as amended by Federal Law No. 243-FZ of July 3, 2016)

(see the text in the previous wording)

.

(as amended by Federal Law No. 343-FZ of November 27, 2017)

(see the text in the previous edition) from individuals who are not individual entrepreneurs – in the manner prescribed by Article 48 of this Code.

(as amended by Federal Law No. 137-FZ of 04.11.2005)

(see the text in the previous edition)

Compulsory collection of fines from organizations and individual entrepreneurs in cases provided for by subparagraphs 1 – 3 of paragraph 2 of Article 45 of this Code, is made in a judicial order.

(paragraph introduced by Federal Law No. 137-FZ of July 27, 2006)

.

(clause 7 as amended by Federal Law No. 243-FZ of 03.07.2016)

(see the text in the previous edition)

ConsultantPlus: note.

On the identification of the constitutional and legal meaning of paragraph 8 of Art. 75 see Resolution of the Constitutional Court of the Russian Federation of November 28, 2017 N 34-P.

8. Penalties are not charged on the amount of arrears, which was formed by the taxpayer (fee payer, payer of insurance premiums, tax agent) as a result of his implementation of written explanations on the procedure for calculating, paying tax (fee, insurance premiums) or on other issues of application of the law on taxes and fees given to him or an indefinite circle of persons by a financial, tax or other authorized body of state power (an authorized official of this body) within its competence (the indicated circumstances are established if there is an appropriate document of this body, which, in meaning and content, relates to tax ( reporting, settlement) periods for which the arrears were formed, regardless of the date of issuance of such a document), and (or) as a result of the implementation by the taxpayer (payer of the fee, payer of insurance premiums, tax agent) of a reasoned opinion of the tax authority sent to him during the tax monitoring.

(as amended by Federal Law No. 243-FZ of July 3, 2016)

(see the text in the previous edition)

on incomplete or inaccurate information provided by the taxpayer (fee payer, tax agent).

(as amended by Federal Laws No. 229-FZ of 27.07.2010, No. 348-FZ of 04.11.2014)

(see the text in the previous edition)

(Clause 8 was introduced by Federal Law No. 137-FZ of July 27, 2006)

Penalty calculator – Kontur.Accounting – SKB Kontur

If you pay taxes and contributions not in full or late, there will be sanctions. One of them is pennies. Penalties are a percentage of the outstanding amount and grow with each day of delay in payment, until the company fully repays its obligations to the budget. We will tell you how to calculate penalties and how the online calculator will help.

Who has to count penalties

The tax authority accrues penalties to companies that have paid taxes, advance payments or insurance premiums late (Article 75 of the Tax Code of the Russian Federation). To pay interest, wait for the request of the Federal Tax Service. The tax office itself must indicate the delay in payment and calculate penalties.

If you find an arrears and want to close them, calculate the penalties yourself, pay the arrears and penalties, and then submit an amended declaration. This is the only way to avoid a fine (Article 81 of the Tax Code of the Russian Federation). If you first submit a clarification, and then pay the tax and penalties, the inspection will impose a fine.

How to calculate penalties

The calculation procedure depends on the date on which the arrears occurred and for what period the delay extended.

The debt arose not earlier than December 28, 2018

Penalties are accrued from the date the debt arises until the date of repayment inclusive. For the calculation, each calendar day of delay is taken into account, including holidays, weekends and non-working days.

Example . Yabloko LLC in 2020 overdue the advance payment of income tax. It had to be paid on July 28, 2020, but the organization transferred the payment on August 5. Penalties will be charged for 8 calendar days – from 29July to August 5 inclusive.

Entrepreneurs and individuals pay penalties for the entire period of delay at a rate of 1/300 of the refinancing rate of the Central Bank of the Russian Federation. For organizations, the rate varies depending on the period of delay (Article 75 of the Tax Code of the Russian Federation, Article 13 of Federal Law No. 401-FZ dated November 30, 2016):

1. From the 1st to the 30th day – 1/300 of the refinancing rate for the delay period.

Interest for delay up to 30 days = Amount of debt × Calendar days of delay × 1/300 of the refinancing rate

2. From the 31st day — 1/150 of the refinancing rate, which was in effect from the 31st day.

Late payment interest from the 31st day = Amount of debt × Calendar days of delay from the 31st day × 1/150 of the refinancing rate

Important! The amount of penalties cannot exceed the amount of the debt. If the penalties turned out to be higher, penalties must be paid to the budget in the amount of the unpaid or untimely paid contribution, tax, advance payment, but not more than the amount of the debt (clause 3 of article 75 of the Tax Code of the Russian Federation).

The debt arose from October 1, 2017 to December 27, 2018

Penalties are accrued from the day following the deadline for payment and until the date of repayment of the arrears, excluding this day (letter of the Federal Tax Service of December 6, 2017 No. ЗН-3-22 / 7995).

The procedure for calculating penalties is similar to the previous one. For individual entrepreneurs, the rate is 1/300 for the entire period, for organizations it increases:

1. From the 1st to the 30th day – 1/300 of the refinancing rate for the delay period.

2. From the 31st day — 1/150 of the refinancing rate, which was in effect from the 31st day.

Important! There are no restrictions on arrears that arose before December 28, 2018. The amount of penalties cannot exceed the amount of the debt.

The debt arose before October 1, 2017

The procedure for calculating penalties is almost identical to the one in force in the period from October 1, 2017 to December 27, 2018. The amount of penalties is not limited and the dates that are accepted for calculation are the same.

The only difference is in the calculation formula. The key refinancing rate is taken at the rate of 1/300 for the entire period of delay. No exceptions are provided.

How to pay interest

The procedure for paying interest is similar for insurance premiums and taxes. Pay them together with the amount of the arrears or after paying the entire amount of tax, contribution (clauses 5, 7 of article 75 of the Tax Code of the Russian Federation, clause 7 of article 26.11 of Law No. 125-FZ).

To pay interest, issue a separate payment order. In its field 104, reflect the CCC for interest on the relevant tax or contribution. In field 24, indicate that you are paying interest, for what period and details of the tax requirement, if any.

In field 106, enter the payment reason code. For example, voluntarily (ZD), at the request of the tax authorities (TR), at the request of a tax audit (AP). Depending on the code, fields 107-109 are filled in. For penalties on contributions for injuries, enter “0” in fields 106-109.

Calculation of interest on the online calculator – instructions

Select the type of debtor: individual, individual entrepreneur or legal entity. The procedure for calculating penalties depends on this. And also enter the amount of debt for which penalties are accrued.

Enter a tax or contribution due date that you failed to meet. Remember that penalties start accruing from the next day.

Next, indicate the date the tax was actually paid. Check the box if you want to include the day of payment in the delay. it is included in the calculation of debts from December 28, 2018, earlier this day was excluded.

Then click the “Calculate” button to get the result on the right side of the calculator. It will take into account the change in the refinancing rate and the duration of the delay. The finished calculation can be printed directly from the calculator.

To the list of calculators

Delay in mortgage payment. Penalties and penalties in case of late payment on a mortgage loan

In the loan agreement you can find information about the possible terms of debts and the procedure for calculating fines and penalties.

The obligations of the borrower under the mortgage lending agreement include the timely repayment of the loan, i.e., the repayment of the principal debt and interest for the use of credit funds in monthly payments. But sometimes there are circumstances in which a mortgage delinquency occurs. In such cases, you need to carefully re-read the loan agreement and find in it information about the possible terms of debts and the procedure for calculating fines and penalties.

Interest and penalties in case of late payment on a mortgage loan

Delay of up to 5 days does not threaten the borrower with serious troubles, and penalties are charged on average 0.1% -1% per day.

Delay from a week to a month promises the borrower a damaged credit history and persistent calls from bank employees. At the same time, penalties are accrued in the same way according to the scheme of 0.1% -1% per day.

A delay of several months can result in large financial losses for the borrower, especially if it comes to court. In such cases, there is a possibility of losing your home to pay off the debt.

Thus, if you understand that you are unable to continue paying your mortgage according to the schedule specified in the agreement, you must contact the bank with a request to restructure the loan. Banks often meet their customers halfway, and then bank employees select the optimal payment scheme.

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Person. №354

Family mortgage

Amount

100,000 ₽ – 16,000,000 ₽ up to 16,000,000 ₽

term

1 – 30 years

Bet

dated 5.3%

First contribution

dated 15%

• General conditions
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• Examples Up to 16,000 000 ₽ Up to 16,000 000 ₽
• Bet: dated 5.3%
• term: from 1 year to 30 years
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Mortgage “Secondary Housing”

Sum

500 000 ₽ – 60,000 000 ₽ Up to 60,000 000 ₽

term

1 – 30 years

rate

of 10.4%

9000 9000 9000 9000

002 The first contribution

dated 15%

• General conditions
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• Sum: from 500 000 ₽ to 60,000,000 000 ₽ 9028 10.4%
• term: from 1 year to 30 years
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• Mortgage Purpose: Buying of housing
• Real Estate category: 281
• Decision: up to a week
• Collateral: obligatory pledge of the acquired property