The interest overdue for three months varies according to the specific contract agreement of the capital loan and the calculation method of the interest rate. Under normal circumstances, overdue repayment will generate late fees and penalty interest. The calculation method of late payment fee is generally calculated according to the proportion of overdue amount, and the specific proportion is determined according to the contract. Penalty interest is generally calculated by multiplying the overdue amount by the overdue interest rate. The overdue interest rate can be daily interest rate, monthly interest rate or even higher, and the specific interest rate depends on the contract. Therefore, it is necessary to refer to the specific loan contract and interest rate calculation method to determine the specific amount of three-month overdue interest.

Detailed description:

1. late payment fee: late payment fee is the fee generated by overdue repayment, which is generally calculated according to a certain proportion of overdue amount. For example, the proportion of the overdue fine stipulated in the contract is 5% of the overdue amount, the loan amount is 10000 yuan, and the overdue amount is 5000 yuan, so the overdue fine of 5000 yuan multiplied by 5% is equal to 250 yuan.

2. Penalty interest: Penalty interest is the interest expense generated by overdue repayment, which is generally calculated by multiplying the overdue amount by the overdue interest rate. For example, if the overdue interest rate stipulated in the contract is 1% per month and the overdue amount is 5,000 yuan, then the penalty interest is 5,000 yuan multiplied by 1%, which is equal to 50 yuan.

3. Total interest: The total interest overdue for three months is the sum of overdue fine and penalty interest. For example, if the late payment fee is 250 yuan and the penalty interest is 50 yuan, then the total interest for three months overdue is 250 yuan plus 50 yuan equals 300 yuan.

Therefore, the specific amount of three-month overdue interest needs to be calculated according to the overdue payment ratio and overdue interest rate agreed in the loan contract. The specific amount can be calculated according to the contract.

Extended data:

In the loan contract, the specific treatment method and cost calculation method of overdue may be different. Some contracts may also stipulate the case of entering the proceedings after a certain number of days are overdue, which may lead to additional litigation costs and attorney fees. Therefore, in the case of overdue debt, it is suggested to communicate with the lender in time and understand the specific treatment methods and cost calculation methods to avoid unnecessary economic losses.

To sum up, the specific amount of three-month overdue interest needs to be calculated according to the specific loan contract, including the proportion of overdue penalty and overdue interest rate. When you are in loans overdue, you should communicate with the borrower as soon as possible and take the initiative to understand the calculation method of overdue fees, so as to avoid unnecessary economic losses.