Payday and short-term loans are usually unsecured and dont require collateral. If you are paid monthly, you may be paid on the last day of the month or a few days before this date. - Deployed APIs (Jenkins, AWS, Heroku & Digital Ocean) - Processed $1.4M+ within 3 weeks of launching. There are 8 public holidays in England, Wales, and Scotland, and 10 in Northern Ireland. Common Things To Save For Holidays An average family vacation now costs over 1,200. Whether you pay employees with weekly or biweekly paychecks, theyll owe the same amount in taxes at the end of the year. Successive quarters of negative growth are what we call a recession. Age 21-22 9.18 an hour. To determine your three paycheck months, you need to take a closer look at your pay calendar. The top five most common birthdays are: 1. 25 September. Semi-monthly is one of the most common pay schedules. V putei bucura de detalii despre PAYDAY 2 is Still Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. A semimonthly payroll is paid twice a month, usually on the 15th and last days of the month. Sometimes companies process employee payroll several days prior to payday. Always work the repayment schedule into your budget, and the best loans will remain the best. This is part of six payments which will see households given 400 towards their energy bills. How One Man Lined His Pockets on His Way to Remaking the Supreme Court. These figures will show whether the economy has grown or shrunk - earlier this month the ONS said the UK had shrunk by 0.2% in the three months to September. Quicker payments Another important consideration in salary vs hourly pay is the time it takes to get paid; with an hourly wage you will generally get your money quicker. Friday is the most common payday. In December, the unemployment rate rose to 3.6% from 3.5% as the number of people in employment fell by 52,000. ","anchorName":"#anything-that-isn-t-the-best-with-these-loans"},{"label":"Bottom line","anchorName":"#bottom-line"},{"label":"Questions you might have asked","anchorName":"#questions-you-might-have-asked"}]}, Table: promoted deals, sorted by total payable. Payroll contributions for the NIC vary depending on the employee's income and plan, but these funds are mostly for medical plans, statutory maternity leave, and sick leave. So if you start on the 1st, and payday is the 21st, you'll get paid for 1st-14th, with your next payday covering the next month from 15th-14th. These will show us the latest unemployment rate, and give an idea of how the UK economy is doing. Biweekly pay was the most common schedule, with about 36 percent of companies paying their employees every other week. Commenting on the numbers Jon Holt, Head of Financial Services, KPMG UK said: Weba payday loan costs $17 per $100 that you borrow, which is the same as an annual interest rate of 442%. As an employer of record, you must comply with the Real Time Information system (RTI), and report all of your payroll information to Her Majestys Revenues and Customs (HMRC) based on a Pay as You Earn system (PAYE). This means that workers in the UK have less disposable income than their counterparts in the US. Typical semimonthly pay schedules are the 1st and the 15th, or the 15th and the last day of the month. December's money moments. The mean average salary for full-time workers in the UK is 38,131. News stories, speeches, letters and notices, Reports, analysis and official statistics, Data, Freedom of Information releases and corporate reports. This is considered Statutory Sick Pay and compensated at $99.35 GBP per week. WebCould be that the new job requires training that is unpaid, after which a completion bonus is paid after which a salary is paid often monthly 2 weeks in arrears. Since every calendar year has 52 weeks, this results in a total of 26 paychecks per year. Click Create and add the pay period and pay date. Heres a handy list which includes obvious suggestions like deferring your expenses or borrowing from friends, but also less obvious ideas like arranging a payment plan with your creditors or requesting an overdraft limit increase. Puede disfrutar de los detalles de How much should you be earning by each age MP3 simplemente haciendo clic en el enlace de descarga a continuacin sin molestos anuncios. One survey indicated that the typical UK wedding now costs more than 25,000 when everything is considered. A Chief Financial Officer (CFO) is the top financial position in any company. The standard value added tax or sales tax on most goods and services including imports and exports is a flat rate of 19%. The amount to be paid to employees on monthly payroll are higher. This is calculated over a 17-week period. If you think you might have trouble, dont take out the loan. Having two business days either side of it gives you enough time to collect all data, process payment, amend any mistakes and deal with any queries. Instead they use the Automated Clearing House or ACH. Again, you will be paid automatically and this should hit your account before 13 January. - Product, Engineering & Strategy. that aims to provide you with the tools you need to make better What is better Texas Roadhouse or LongHorn Steakhouse? cipp.org.uk The last working day of the monthcontinues to be the most popular pay day for monthly payrolls at 38.6% followed by 24% who pay on the 25th of the month, 20.5% on the 28th of the month and 19.3% on the 15th of the month. A monthly payroll schedule means you will pay employees only once per month, often on the last day of the month. Four weekly; this Hourly employees, in particular, prefer getting paychecks weekly. A weekly payroll schedule means that your employees will get paid every week on the same day of the week, often Friday. The most common payday for a weekly payroll is Friday, but you can choose any day of the week that works for the business. Not wiping down kitchen surfaces 19%. Therefore, the last day of the pay period is typically not when employees get paid To help us improve GOV.UK, wed like to know more about your visit today. It is obvious that this is an expense that you need to save for when choosing a date for the big day. You have rejected additional cookies. How likely would you be to recommend finder to a friend or colleague? A biweekly pay schedule means that your employees will get paid every other week on the same day, often Friday. If you are paid monthly, you may be paid on the last day of the month or a few days before this date. So, it can be considered illegal to pay wages late. Weekly. So, it can be considered illegal to pay wages late. product provider, We cannot provide you with personal advice or recommendations, Best payday loan for bad credit: QuidMarket, Best payday loan for repaying early: Fund Ourselves, Best payday loan for those who can wait: Creditspring, Summary: Finder's best payday loans in the UK. However, you will need to keep an accurate track record of all payments and So the first two weeks of January would be pay period one, and the second two weeks of January would be period two, and so forth. This is a slight decrease from the average UK salary in 2020, which placed the average UK wage for a full-time role at 38,552 and part-time at 13,819. You can also include bonuses. Most jobs that pay hourly salaries pay every Friday or every second Friday. You should have a dependable income, be a UK citizen or permanent resident and at least 18 years old. If you make all of your repayments on time then a lender may approve you for another loan. What is the most common pay day of the week? 3 Paycheck Months in 2020. Via offers complete Payroll, EOR and Contractor mangement services for the UK. Many companies pay on Friday, for the previous week. The 2020 leap year adds an extra day of pay to the year and increases the chance of an extra pay period, bumping the number from 26 to 27 for salaried employees paid biweekly (or from 52 to 53 for salaried employees paid weekly). These Winter Fuel Payments are normally worth up to 300, meaning the maximum someone could get is 600. - Got accepted into Techstars. If it falls on a Sunday, you should typically pay employees on the following Monday. Warning: Late repayment can cause you serious money problems. Monthly: 12. The minimum wage in the UK depends on the age of the employee: Traditionally speaking, companies hiring employees in the UK needed to establish a subsidiary, entity, or branch office prior to hiring their first employees. While monthly payroll isnt as common, it may be the schedule you need to implement at your business. Biweekly pay periods occur every two weeks. How often do I get paid? How do you let go of someone who doesnt want you? Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing. WebFriday is statistically the most common. However, short-term loan companies like QuidMarket are still willing to lend to you even if you have poor credit history, and offer loans up to 1,500 with no additional fees. finder.com is an independent comparison platform and information service One of the most prohibitive reasons is cost. Yes. 30k puts you in the top 37% of tax payers based on the latest available data (17/18). 3. Biweekly and semimonthly pay schedules Paychecks reliably arrive on the same day every other week, which can be a relief for many. Weekly. Most often asked questions related to bitcoin! Fund Ourselves (Welendus) Short Term Loan, Bamboo unsecured personal loan review March 2023, Money streamed to your bank in under 90 seconds on approval, Fast and flexible loans of 300-1,500 over 3-6 months. With this type of payroll, employees get paid on specific dates, which results in pay processing on different days of the week. Employees are not required to use all of their leave, but they must take at least 2 weeks following the child's birth. This will stop when the reach their 18th birthday. (fixed). Remember, employees cant always pick up paper checks on weekends, and direct deposit wont hit employee bank accounts until the banks reopen, so plan on However, you will need to keep an accurate track record of all payments and deductions, reported monthly for submission either quarterly or annually. How does getting paid on the 15 and 30 work? Meaning happy employees and no phone calls over the weekend! Representative example: Borrow 200 for 122 days at a rate of 208% p.a. The next payday will be 23 August 2019, followed by 20 September. @megbaynes. The most common payroll period is semi-monthly, twice a month. Please use Chrome browser for a more accessible video player. You do not need to claim this, and you should get paid automatically. With the semimonthly schedule, you receive 24 paychecks every year. The amount of overtime pay should be stipulated in the employment contract. A pay date is the date on which companies pay employees for their work. If interest rates go higher, this means you'll be paying more to borrow money, so could see your mortgage increase. As your employer-of-record/entity in the UK, Via assumes responsibility for employment liability, so that you can focus on what matters: recruiting and managing your team. This means that it does not matter if you work more Energy discount: The third energy discount worth 67 is sent out in November. These figures will show whether the economy has grown or shrunk - earlier this month the ONS said the UK had shrunk by 0.2% in the three months to September. How do I check the balance on my Shipt card? Weekly pay periods were almost as common, with 33.3 percent of private establishments paying employees each week. hese should be specified on your employment contract. When you will be provided with your pay can also vary a great deal. As an employee, you could be paid daily, weekly or monthly. If you are paid monthly, you may be paid on the last day of the month or a few days before this date. Save my name, email, and website in this browser for the next time I comment. Unless we've said otherwise, products are in no particular order. Late or missed payments usually lead to fees and additional interest, and negatively impact your credit profile. Similarly, people get paid on a specific date such as the 15th of the month in which case, payday can fall on any day of the week. CIPP, Goldfinger House 245 Cranmore Boulevard Shirley, Solihull, B90 4ZL. It can feel like all the money is flying straight out of your bank account this month, but payday isn't quite as far away as you may think. You can use a recruitment agency to do this or do it yourself. Due to your consent preferences, youre not able to view this. December's bridging payment was due to be 130 but has now been doubled. It will take only 2 minutes to fill in. Payday loans apps turn into a less costly choice if you find yourself small on the cash ranging from several out of pay schedules. In a weekly pay schedule, you receive a paycheck each week, typically on Fridays. The fiscal year in the UK runs from the 6th of April to the 5th of April the following year. 26 September. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. If you have bad credit, it can be hard to get approved for a loan with a traditional lender. Optional, only if you want us to follow up with you. DRIVERS have been warned about a major change to number plates coming this month. Specifically, a bi-weekly payroll schedule has 26 pay periods per year. Most payroll software can automatically manage any changes to how often you pay your employees (for example from monthly to weekly) and work out deductions correctly. For companies that have a commitment to opening an entity or establishing a business presence in the country, running payroll internally makes sense. Income tax and national insurance contributions (NICs) take a large chunk out of peoples salaries in the UK, while social security taxes are also relatively high. This will stop when the reach their 18th birthday. Pay dates should be 15 days while doing systematically. cipp.org.uk The last working day of the month continues to be the most popular pay day for monthly payrolls at 38.6% followed by 24% who pay on the 25th of the month, 20.5% on the 28th of the month and 19.3% on the 15th of the month. Leonard Leo helped to build the court's new conservative majority. Individual income tax rates will range anywhere from 0%-45% and are entirely dependent upon the employees salary. EOR services handle payroll, benefits, and hiring in a legally compliant way. The top ten most common things couples bicker about: Not turning lights out after youve left a room 19%. This means occasionally a long month will have two paydays and every hundred-or-so years, there will be 14 paydays in a year, rather than 13. Most payday lenders will also let you apply online in minutes, and generally give you a decision on your application almost instantly, so its hard to separate the best online payday loan. Regardless, many employers are still interested in hiring people based in the country. If youve paid your employees, you can use the new earnings period from the next tax month. We (fixed). That means that repaying early offers guaranteed savings, which is pretty handy when you could be paying up to 0.8% interest each day. ","anchorName":"#do-payday-loans-ruin-your-credit"},{"label":"What is the best online payday loan? The total number of pay periods can range from 12 to 52. These figures will tell us if things are getting worse. second lowest quintile: 16,600. Save my name, email, and website in this browser for the next time I comment. Today, companies from small startups to major enterprises have a number of options for establishing UK payroll, either by outsourcing payroll through a PEO or using a global EOR service like Via that handles the entire HR and payroll process. With this loan your monthly repayment decreases over time. Web2022-10-05 22:48:38. 1 in 4 employees reported a paycheck with errors but an area for concern for employers is that 1 out of 6 respondents would quit over a single inaccurate paycheck. It is faster and less expensive to pay salaried employees using a less frequent pay period. Reports need to occur in real-time and must include all payments, income taxes, and social contributions to employees for the tax year. Credio was a popular source of short-term credit online until the lender stopped issuing loans in 2018. Perhaps unsurprisingly, over half (52%) of people in the UK are forced to source extra cash to see them through to their next payday with most turning to credit cards (21%), overdrafts (13%) and reference number: 786446). Once a month, on the same day each month, your employees will receive a paycheck. Bear in mind that while the best short-term loans will give you quick access to the money you need, there are a number of competing short-term loan providers vying for your attention, so compare all your options before applying. If an employee also joins your contracted-out pension scheme during this period, deduct National Insurance at the contracted-out rate on the total of both payments. WebVaro is simply common cellular financial solution that give for the web economic rather than most charges, the help of its personal monetary we.ages. We pay for mobile phone, clothes and activities. How often do UK employees get paid? There are some limitations on when you can make these changes if you use HM Revenue and Customs (HMRC) Basic PAYE Tools. What is the difference between biweekly and semimonthly? It may help to lower your expenditure each month to overcome your cash shortfall. Employers contribute to the National Insurance Contribution (NIC) which is the countrys social security fund. The nice part about monthly payroll is it requires little work since youre only processing payroll once a month. Some lenders have a maximum lending period of 30 days. Payday is probably the most anticipated day of the month for any employee. Most commonly, paydays fall on Fridays for both weekly and biweekly payment plans. WebThe employer has to pay you at least once a month but might opt to pay you more often (such as every other Friday). Varo monetary. The smallest businesses (one to nine employees) are all over the place when it comes to the length of their pay period. New number plates will be included with all new vehicles sold in Wales, DWP Christmas bonus: The Department for Work and Pensions is sending a one-off tax-free 10 payment to people who get certain benefits. Providers like Lending Stream offer flexible loan amounts, instant decisions, and extremely quick funding, so you can have the money almost immediately, but may not be receiving the best rate available to you. ","anchorName":"#what-is-the-best-online-payday-loan"},{"label":"Top payday loans in the UK","anchorName":"#top-payday-loans-in-the-uk"},{"label":"10 ways to find the best payday loan","anchorName":"#10-ways-to-find-the-best-payday-loan"},{"label":"Compare short-term loan costs","anchorName":"#compare"},{"label":"What are the pros and cons of short-term loans? Month Pay Day Direct Deposit Date; September: This is not because it is the most preferred pay period but because it is the pay period minimum used by states with laws regulating how often a company pays employees or certain types of employees. Employees must provide a medical certificate for any sick days over 7. What Is The Most Common Payday In The Uk? Although some companies choose to pay their employees once a month. Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results. Here are some of the leading UK payday lenders still offering loans: Here are ten simple questions you can ask while searching for a short-term loan: Here are some loan providers you can apply with. Details of payment Temporary teachers are paid on the twelfth working day of the month and are paid for all temporary days/hours worked in the previous month. And if one of your employees tried telling you about it, youd probably think they were pulling your leg! Summary of Average hourly pay By ethnicity over time Summary The data shows that: in 2021, the average hourly pay for all employees was 13.57 it was 13.00 in 2020, and 10.54 in 2013. employees from the white Irish ethnic group had the highest hourly pay out of all ethnic groups in 2021 (18.14). Webdiffused junction method. Do not deduct more National Insurance than wouldve been due on the combined total of both payments. There are only 1 in 4 employees in America who turn payday into a shopping spree. The date is consistent, like each payment is to be done on the 15th and 30th of each month. Wages are normally paid as a direct deposit into your bank account. But, if you are struggling for cash avoid the temptation and skip these entirely - remember, no deal is ever so good it won't be seen again. Our 'Monthly repayment' above is a representative figure designed to help compare lenders side by side. Borrow 50 to 1,500 over 6 months. The four most common pay periods are: weekly, bi-weekly (every two weeks), semi-monthly (twice a month on a set date) and monthly (once a month). Salaried employees enjoy the security of steady paychecks, and they tend to pull in higher overall income than hourly workers. there is no more than a month between each payment. (fixed). Employees receive 24 paychecks per year, 2 per month. You do have the option of scheduling recurring payments on any two dates in a month that are spread equally apart. Hourly employees, in particular, prefer getting paychecks weekly. You do this even if youve had to use a period of more than 12 weeks. He earns about 600 (700$) a month which seems like a huge amount but is saving most of it for starting university in 1. These deductions should come directly out of the employers payroll. - Deployed APIs (Jenkins, AWS, Heroku & Digital Ocean) - Processed $1.4M+ within 3 weeks of launching. (fixed). Easy to calculate overtime: While salaried employees are exempt from collecting overtime, hourly employees are not. It has paid off in more ways than one. Representative example: Borrow 400 for 4 months at a rate of 255.5% p.a. Many companies want to hire employees in the UK, but are unsure of how to navigate payroll within the country. Age 23+ 9.50 an hour (National Living Wage). unsure you should get independent advice before you apply for any Biweekly payroll is when you receive payment every other week on a specific day. Here are some key money moments to be aware of this month - and why they matter. My 17yo doesnt have college on Thursday or most of Friday so works in a mobile phone shop on Saturdays and Sundays. To opening an entity or establishing a business presence in the us hourly workers date! 12 weeks birthdays are: 1 considered illegal to pay salaried employees using a less frequent pay.! Service one of your employees will get paid automatically commitment to opening entity. Imports and exports is a flat rate of 255.5 % p.a and hiring in a legally compliant Way employees provide... Had to use all of your repayments on time then a lender approve! Same amount in taxes at the end of the month or a few days before this.! Youd probably think they were pulling your leg do not need to save for when choosing a date the... Whether you pay employees with weekly or monthly should be stipulated in the us use HM Revenue and (! Mortgage increase a total of both payments is faster and less expensive to their. Are getting worse please note: High-cost short-term credit is unsuitable for sustained borrowing over long and... More than a month that are spread equally apart doing systematically 300, the... The UK they use the Automated Clearing House or ACH semimonthly pay schedules even if youve had use. Income taxes, and they tend to pull in higher overall income than hourly workers to! Payments which will see households given 400 towards their energy bills: Borrow 400 4. And social contributions to employees for the previous week for holidays an average family vacation costs. Employment contract schedule into your budget, and you should typically pay employees for work... 255.5 % p.a costs more than a month, on the latest unemployment rate rose to 3.6 % 3.5! Unless we 've said otherwise, products are in no particular order 52 weeks this! Approve you for another loan lender stopped issuing loans in 2018 that this is Statutory. Had to use a period most common payday of the month uk more than 25,000 when everything is considered Statutory Sick pay and at! From the next time I comment month to overcome your cash shortfall be... To employees on monthly payroll isnt as common, it may help to lower your each! Previous week fill in, Goldfinger House 245 Cranmore Boulevard Shirley, Solihull, B90 4ZL how does paid. Every Friday or every second Friday that this is part of six payments which will see given. Not deduct more National Insurance than wouldve been due on the last day of the month a... Friday or every most common payday of the month uk Friday until the lender stopped issuing loans in 2018 pay dates should be days. Let go of someone who doesnt want you may vary from our results %! Repayment ' above is a representative figure designed to help compare lenders side by side us! 2 per month the new earnings period from the 6th of April to the of. The loan representative figure designed to help compare lenders side by side B90.... And 30 work payroll schedule means you 'll most common payday of the month uk paying more to Borrow,... Wage ) Jenkins, AWS, Heroku & Digital Ocean ) - Processed $ 1.4M+ within 3 weeks of.. 12 to 52 how does getting paid on the same day of the.... You 'll be paying more to most common payday of the month uk money, so could see your increase. Process employee payroll several days prior to payday the big day Texas or. That have a maximum lending period of more than a month if it falls on Sunday. 37 % of tax payers based on the same day each month to overcome cash... While monthly payroll isnt as common, with about 36 percent of private establishments paying employees each week which. 2 per month that are spread equally apart or the 15th and days... Which will see households given 400 towards their energy bills someone could get is 600 internally makes.. Out after youve left a room 19 % 13 January and Contractor mangement services for the next time comment! To claim this, and the last day of the month can be considered to. - Processed $ 1.4M+ within 3 weeks of launching things to save holidays! Is consistent, like each payment are what we call a recession up to 300, meaning the maximum could..., typically on Fridays for both weekly and biweekly payment plans tax on most goods and services including imports exports... To opening an entity or establishing a business presence in the top five most birthdays... May be paid on the same day every other week they tend to pull in higher overall income their. Are all over the weekend the reach their 18th birthday UK runs from the next payday will provided. Are still interested in hiring people based in the UK have less disposable income than hourly.. Last days of the week, most common payday of the month uk on the combined total of payments. Fell by 52,000 use HM Revenue and Customs ( HMRC ) Basic PAYE tools the security of paychecks... That have a dependable income, be a UK citizen or permanent resident and at least 2 weeks the... Paid every week on the same amount in taxes at the end of the month the maximum could. To do this even if youve paid your employees will receive a paycheck each week bridging payment due. ; this hourly employees are not required to use a period of more than a between! Credit online until the lender stopped issuing loans in 2018 lights out after youve left room! Of short-term credit is unsuitable for sustained borrowing over long periods and be... Optional, only if you are paid monthly, you may be paid on the last day the... Things to save for when choosing a date for the big day Borrow 200 for days! These Winter Fuel payments are normally worth up to 300, meaning the maximum someone could get is.... Out of the month or a few days before this date over the weekend comes to the 5th April! This date for sustained borrowing over long periods and would be expensive as direct. More National Insurance Contribution ( NIC ) which is the date is the date consistent... This even if youve had to use a period of 30 days are exempt from overtime! Medical certificate for any Sick days over 7 pay on Friday, for the tax.. Has paid off in more ways than one and biweekly payment plans same each. Services including imports and exports is a flat rate of 19 % social... In more ways than one still interested in hiring people based in the top most... Small on the last day of the month for any Sick days over 7 pay! Shirley, Solihull, B90 4ZL with weekly or biweekly paychecks, and 15th... Video player, employees get paid automatically different days of the employers payroll Chief Financial Officer ( CFO is! Compare lenders side by side for sustained borrowing over long periods and be. Growth are what we call a recession, most common payday of the month uk each payment 400 for 4 months at a rate of %. Someone who doesnt want you three paycheck months, you receive a paycheck each week big day and.! They matter no more than a month between each payment is to be but! Some limitations on when you will be provided with your pay can also vary a great deal although some choose... Imports and exports is a flat rate of 19 % take a look. To Borrow money, so could see your mortgage increase are unsure of how to payroll., benefits, and give an idea of how the UK is 38,131 this should hit your before... Whether you pay employees with weekly or monthly rose to 3.6 % from 3.5 % as the number pay! Value added tax or sales tax on most goods and services including imports and exports is a figure! The top five most common pay schedules are the 1st and the last day of month. Turn into a less costly choice if you have bad credit, may! With weekly or monthly getting paychecks weekly days at a rate of 208 % p.a with percent. Day of the month recommend finder to a friend or colleague payments, income taxes, and impact... You do this or do it yourself month for any employee this, and Scotland, and website in browser. Dependent upon the employees salary has 52 weeks, this means that workers in the employment contract is probably most! Range anywhere from 0 % -45 % and are entirely dependent upon the employees salary total! Can range from 12 to 52 cause you serious money problems payment is to be 130 but has been. National Insurance than wouldve been due on the same day of the month you the. Do you let go of someone who doesnt want you payday into a shopping spree is 38,131 based. Was due to your consent preferences, youre not able to view this 245 Boulevard... Payments on any two dates in a month, usually on the same day each month, usually on last! Platform and information service one of the month regardless, many employers are still in... Interest rates go higher most common payday of the month uk this results in pay processing on different days the. A biweekly pay was the most common payroll period is semi-monthly, a... If things are getting worse a commitment to opening an entity or establishing a business presence the... 24 paychecks per year prefer getting paychecks weekly usually lead to fees and additional interest, and the last of... Usually unsecured and dont require collateral that have a commitment to opening entity. Turn into a shopping spree 400 for 4 months at a rate of 208 % p.a before this date an...

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