{"id":6479,"date":"2024-12-05T12:56:57","date_gmt":"2024-12-05T11:56:57","guid":{"rendered":"https:\/\/www.benefitax.de\/2024\/12\/05\/discount-credit\/"},"modified":"2025-04-15T12:30:05","modified_gmt":"2025-04-15T10:30:05","slug":"discount-credit","status":"publish","type":"post","link":"https:\/\/www.benefitax.de\/en\/discount-credit\/","title":{"rendered":"Discount credit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6479\" class=\"elementor elementor-6479 elementor-5343\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-271bb51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"271bb51\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75227df\" data-id=\"75227df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f1a91c elementor-widget elementor-widget-text-editor\" data-id=\"9f1a91c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>How expensive is a discount credit?<\/h2><p>A supplier offers you to pay an invoice in full within 30 days or within 10 days with a 2% discount. Your bank charges 10% interest p.a. on overdrafts and 0% p.a. on current account balances.<\/p><h4>Is it cheaper to pay the invoice later or within a week with a discount?<\/h4><p>In order to be able to make a comparison, the difference between the two payment terms must be extrapolated to a full year. As there is a period of 20 days between the two periods, the interest saving of 2% must be extrapolated to 1 year. Assuming that a banking year comprises 360 banking days, the interest rate p.a. is therefore 2 % : 20 days x 360 days = 36 % p.a. If you also take into account that the interest on the payment amount reduced by 2% must be calculated using the cash discount, the interest rate is even slightly higher.<\/p><p>Result: In our example and in most cases, it is more favorable to make payments within the short payment period by taking advantage of the cash discount.<\/p><h4>Cash discount is usually the cheapest<\/h4><p>In our example, you only pay 10% interest p.a. for an overdraft at the bank, whereas you pay around 36% interest if you pay the due invoice later without a discount. The difference is therefore 26% p.a. If you have a (non-interest-bearing) credit balance at the bank, it is even more worthwhile to pay all incoming invoices with a cash discount (36% p.a.).<\/p><h4>Which bills you should not (yet) pay<\/h4><p><a href=\"https:\/\/www.benefitax.de\/en\/value-added-tax-avoid-expensive-mistakes\/\" target=\"_blank\" rel=\"noopener\">Here<\/a> we explain why you should sometimes not pay invoices (immediately) for other reasons, even if you are offered a discount.<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-15247\" src=\"https:\/\/www.benefitax.de\/wp-content\/uploads\/2018\/12\/Fotolia_182024087_S_Invoice-430x287.jpg\" alt=\"\" width=\"430\" height=\"287\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How expensive is a discount credit? A supplier offers you to pay an invoice in full within 30 days or within 10 days with a 2% discount. Your bank charges 10% interest p.a. on overdrafts and 0% p.a. on current account balances. Is it cheaper to pay the invoice later or within a week with [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-6479","post","type-post","status-publish","format-standard","hentry","category-wiki-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Discount credit - Steuerberatung | Wirtschaftspr\u00fcfung<\/title>\n<meta name=\"description\" content=\"How expensive is a cash discount credit? Is a cash discount credit worthwhile? Which invoices should you not pay immediately? 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