Vintage overdue rate is the overdue loan rate, which refers to the proportion of overdue loan balance to the current loan balance.

Vintage overdue loan ratio is used to reflect the timely repayment of loans, which reflects the use efficiency of loans and asset risk procedures from the perspective of whether loans are repaid on time.

Calculation formula of overdue loan ratio: overdue loan ratio at the end of the period = overdue loan balance at the end of the period/total loan balance at the end of the period.

Average overdue loan ratio = average balance of overdue loans in the whole period (actual overdue amount)/average balance of loans in the whole period.

Deadline for calculating the overdue rate of secondhand goods:

The calculation period of overdue loan interest is controversial in academic circles because there is no legal provision, and it is also a difficult problem in judicial judgment. Interest on overdue loans shall be calculated until the date of loan repayment. This view is dominant in practice, has many supporters, and is adopted by most judges in their judgments.

However, the borrower's failure to fulfill the obligation to pay money within the period specified in the judgment is a continuation of the breach of contract. The overdue rate of wine is both legal and agreed. According to the legal principle that agreement is superior to law, the lender has the right to ask the borrower to pay the interest until the date of repayment of the loan, and at the same time, it can choose to double the interest on the debt during the delayed performance.