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Deposit Limit Calculator

Finance & Investment

Civil Code 20% cap, double refund

Quick Answer

Deposit Limit Calculator: Civil Code 20% cap, double refund. Deposit Limit Calculator uses standard finance formulas to compute accurate results instantly.

CNY
CNY
Claimable if the other party breaches50,000 CNY

How it works

  1. 1Statutory cap = 100,000 × 20% = 20,000
  2. 2Effective deposit = 20,000; excess 10,000 is a prepayment only
  3. 3Receiver breaches → 20,000 × 2 + 10,000 prepayment = 50,000

Under Civil Code Art. 586: the deposit may not exceed 20% of the main contract amount; any excess has no deposit effect and is treated as a prepayment (refundable). Art. 587: if the deposit receiver breaches fundamentally, they must return double the deposit; if the payer breaches, the deposit is forfeited.

"定金" (deposit, with penalty effect) and "订金" (prepayment, no penalty) are legally distinct — write the exact word on receipts and transfers. Deposit and liquidated damages clauses are alternative remedies (Art. 588): choose one, plus damages beyond the deposit.

Keep written evidence (contract, transfer notes, chat logs). This tool is general information, not legal advice.

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How to Use

  1. Enter amounts and terms: fill principal, rate and period in the Deposit Limit Calculator (defaults work for a quick try).
  2. Instant results: key figures and cost breakdown update live as you type.
  3. Compare scenarios: tweak any parameter to compare costs and returns across plans.
  4. Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

  • Deposit Limit Calculator is a free online finance tool — open and use, no sign-up.
  • All calculations run locally in your browser; your data never leaves the device.
  • Key capability: Civil Code 20% cap, double refund.
  • Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Deposit Limit Calculator formula

Deposit Limit Calculator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Deposit Limit Calculator?
Open the page and fill in the input fields — results update automatically. Civil Code 20% cap, double refund.
Are the results accurate?
Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.
Is it free? Do I need to sign up?
Completely free. No registration, login or download required.
Can I use the results for financial decisions?
Results are for reference. Consult a licensed financial advisor before major decisions.
Does it work on mobile?
Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated:

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.

Cite this page: YiJianSuan. Deposit Limit Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/deposit-limit

Results provided by this tool are for reference only and do not constitute professional advice.