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1, loan
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
2. What is the subject of loan?
Liabilities and loans belong to liability accounting subjects. This course accounts for all kinds of customer loans issued by enterprises (banks) according to regulations, including pledged loans, mortgage loans, guaranteed loans and credit loans. Syndicated loans, trade financing, agreed overdrafts, credit card overdrafts, sub-loans and advances issued by enterprises (banks) according to regulations are accounted for in this account; You can also set up syndicated loans, trade financing, agreed overdraft, credit card overdraft, refinancing, prepayment and other subjects separately.
3. How to calculate the loan interest?
According to the actual situation, the loan interest mainly depends on the loan interest rate of various lending institutions, and generally fluctuates within the interest rate range specified by the central bank.
(2) Repayment method: Due to different repayment methods, such as the average capital repayment method, the monthly loan interest required is also different.
But no matter what loan method, there is a unified standard calculation rule for loan interest.
④ Standard formula: the loan interest of the current month is equal to the remaining principal of the previous month multiplied by the monthly loan interest rate. The principal paid in the current month is equal to the repayment amount in the current month minus the loan interest in the current month. The remaining principal of last month is equal to the total loan amount minus the accumulated repaid principal.
4. How many overdue loans are there?
Loans overdue is still not a civil dispute or a criminal offence. Therefore, no matter how much money is overdue, there is no need to bear criminal responsibility. The public security organ will not file a case, but will bear civil liability.
5. Can loans overdue still borrow money?
As the case may be, if your credit is overdue for more than 6 times or 3 times in the last two years, you can't apply for a loan again. You can apply for a loan if the number of overdue times shown on the credit report does not exceed the prescribed limit.