Chad Statutory interest (taux d'intérêt légal)
Chad Statutory interest (taux d'intérêt légal): no single figure applies. The reason is set out below, cited to the governing instrument. Last checked against the official source on 10 Aug 2026.
Chad publishes no legal interest rate. The Civil Code applicable in Chad awards moratory damages at 'les intérêts fixés par la loi' and states that 'l'intérêt légal est fixé par la loi', but no Chadian statute fixing that figure is published, and neither CEMAC nor the BEAC sets one for the zone.
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| Current value | structured — see the API |
|---|---|
| In force from | — |
| Official source | Code civil français de 1958 rendu applicable au Tchad (par l'Acte législatif n°1 portant constitution du 31 mars 1959 et la Loi constitutionnelle n°2/62 du 16 avril 1962), art. 1153: 'Dans les obligations qui se bornent au payement d'une certaine somme, les dommages et intérêts résultant du retard dans l'exécution ne consistent jamais que dans la condamnation aux intérêts fixés par la loi ; sauf les règles particulières au commerce et au cautionnement... Ils ne sont dus que du jour de la demande, excepté dans les cas où la loi les fait courir de plein droit'; art. 1907: 'L'intérêt est légal ou conventionnel. L'intérêt légal est fixé par la loi' |
| Last verified | 2026-08-10 |
| Verification | primary — No verification limitation recorded — read from the official source cited. |
| Provenance | source fingerprint |
What this value means
REFUSAL — the entitlement exists but the number does not. Chad's applicable Civil Code creates the right to moratory interest on money debts and then defers the rate to statute ('les intérêts fixés par la loi', art. 1153; 'l'intérêt légal est fixé par la loi', art. 1907), and no Chadian law, ordonnance, décret or arrêté fixing that rate is published. WHAT EXISTS, AND WHY NONE OF IT IS THE ANSWER: (1) OHADA — the Acte uniforme relatif au droit commercial général entitles an unpaid party to interest 'calculés au taux d'intérêt légal, applicable en matière commerciale', running from the mise en demeure (art. 263 of the original 1997 Act, renumbered by the revised Act adopted at Lomé on 15 December 2010 and commonly cited as art. 291). But OHADA does not define the rate; it points back to the national law Chad has not enacted. (2) CEMAC — Règlement n°04/19/CEMAC/UMAC/CM of 10 August 2020 governs the taux effectif global, the repression of usury and the publication of bank conditions. That is a CEILING on lending rates, not a statutory default rate, and it does not answer what a late-paying debtor owes. (3) BEAC — unlike the BCEAO, which publishes an annual taux d'intérêt légal table for the eight UMOA states, the BEAC publishes no legal interest rate for the six CEMAC states; its TIAO (4.50% since 29 June 2026, Décision N°01/CPM/2026) is a monetary policy rate. Practitioners across the CEMAC commonly argue the TIAO as the reference, but no Chadian instrument enacts it, and serving it as Chad's statutory rate would state as law what is only an argument. CAMEROON IS THE EXCEPTION, NOT THE RULE: it is the only CEMAC state that has legislated an express peg (loi n°2004/015 of 21 April 2004, capping the rate at the TIAO for the enforcement of judgments) — do not generalise that statute to Chad. In practice a Chadian creditor pleads a contractual rate, or asks the court to fix moratory damages; interest runs from the day of demand under art. 1153. Retrieval note: the consolidated Chadian text is the Barreau du Tchad / SCP-A&L edition of the Code civil français de 1958 held on FAOLEX; there is no online Chadian official gazette carrying an interest-rate instrument.
Get it programmatically
curl https://afriref.dev/v1/td/statutory-interest
# $0.005 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://afriref.dev/v1/td/statutory-interest/history?from=2020-01-01
# Provenance: curl https://afriref.dev/provenance/td/statutory-interestOther Chad series: Policy interest rate (BEAC TIAO) · Value added tax (TVA) standard rate · VAT registration threshold · Guaranteed interprofessional minimum wage (SMIG) · Public holidays · Consumer price inflation (INHPC, year-on-year) · Corporate income tax (Impot sur les Societes) · Withholding tax rates · Personal income tax (IRPP) - work income schedule · Statutory social-insurance contributions
The same figure elsewhere: Côte d'Ivoire · Democratic Republic of the Congo · Egypt · Equatorial Guinea · Eswatini · all 34