An auto payment (loan body and interest) which has not been debited within the period specified in the agreement, due to the lack of funds in a separate account at the time when the Bank debited an auto payment, shall be deemed as an overdue starting upon the following day. In the case of occurrence of an overdue debt under the loan, shall be charged the penalty in the amount of 15% of annual from the amount of the overdue debt (but not higher than the double discount rate set by the NBU). The penalty is charged for each day of delay. The penalty is charged in the case of an overdue or delayed payment within the validity term of the agreement. If the overdue debt is not repaid after the expiration date, the penalty is not charged. If the latest payment is lacking behind the schedule specified under the agreement, then the liability is applied pursuant to the art. 625 of the Civil Code of Ukraine. The amount of liability is 60% of annual from the amount of the overdue debt of the body and of the overdue interest under the loan.