For the first 10 pending days, no interest is accrued. From day 11, interest will accrue at 1.2x the interest rate of the loan in question. Accrued interest is credited to investors after the funds are transferred by the lending company.

The formula for calculating interest for pending days is: outstanding amount * number of pending days over 10 * interest rate * 1.2 / 360

**Example:**

Outstanding amount: €100

Number of pending days: 20

Interest rate: 11%

Accrued interest for pending days: €100 * (20-10) * 0.11 * 1.2 / 360 = €0.36666

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