interface PenaltyTier {
    maxDays: number;
    rate: number;
}
/**
 * Calculates the penalty rate based on the number of days a loan repayment is delayed.
 * Uses predefined penalty tiers to determine the rate.
 *
 * @param delayInDays - The number of days the loan repayment is delayed.
 * @returns The penalty rate as a decimal (e.g., 0.025 for 2.5%).
 */
export declare const calculatePenalty: (delayInDays: number) => number;
/**
 * Calculates the penalty amount based on the principal and the number of days delayed.
 *
 * @param principal - The principal amount of the loan.
 * @param delayInDays - The number of days the loan repayment is delayed.
 * @returns The penalty amount.
 */
export declare const calculatePenaltyAmount: (principal: number, delayInDays: number) => number;
/**
 * Get all penalty tiers
 */
export declare const getPenaltyTiers: () => PenaltyTier[];
export {};