Answer: The calculation methods and legal basis of overdue repayment interest may vary depending on the specific circumstances and applicable laws. Here are some common ways and legal provisions related to the calculation of overdue repayment interest:

1、Default interest rate: In some cases, a default interest rate may be stipulated in the loan agreement or relevant regulations. This rate is typically higher than the regular interest rate and is used to calculate the interest due for late payments.

2、Simple interest: Simple interest is calculated based on the outstanding principal balance and the applicable interest rate. It is typically used in cases where the loan is repaid in a lump sum or on a fixed schedule.

3、Compound interest: Compound interest is calculated based on the accumulated interest from previous periods. This means that the interest earned on the principal also earns interest, resulting in a higher overall repayment amount.

4、Legal provisions: In some jurisdictions, there are specific laws and regulations governing the calculation of overdue repayment interest. These laws may establish a maximum rate of interest that can be charged or may require lenders to provide certain disclosures to borrowers.

Reference:

1、《中华人民共和国民法典》

2、《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》

It is important to note that the specific calculation methods and legal basis may vary depending on the jurisdiction, type of loan, and terms of the agreement. It is advisable to consult a legal professional or refer to the relevant laws and regulations in your jurisdiction for accurate and detailed information.

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