(1) An agreement made in advance that interest due is intended to in turn bear interest is void.
(2) Savings banks, credit institutions and owners of banking businesses may agree in advance that as a rule, interest not collected on deposits is to be considered as fresh interest-bearing deposits. Credit institutions entitled to issue interest-bearing bonds for the amount of the loans granted by them may have commitments made to them in advance, for such loans, to pay interest on interest in arrears.