When the debit-credit bookkeeping method is adopted, the increase in the debt account is credited, the decrease is debited, and the balance is usually in the credit. Because: ending balance of liability account = opening balance+current credit amount-current debit amount; After transfer: current credit amount = current debit amount-opening balance of debt account+ending balance.
Calculation formula of loan-to-liability ratio
Bank loan+total credit card (non-credit limit)+others' guaranteed loan+various micro loans.
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Is your total debt.
That's how I handle loans.
How to calculate the debt ratio of microfinance? 5 points
Total liabilities divided by total assets
Liabilities include bank loans, fees payable and private loans (this is the most difficult to verify).
Is secured loan a liability?
Secured loans are not liabilities, but contingent liabilities.
Contingent liabilities refer to potential obligations arising from past transactions or events, and their existence must be confirmed by the occurrence or non-occurrence of uncertain events in the future; Or the current obligation formed by past transactions or events, the performance of which may not lead to the outflow of economic benefits from the enterprise or the amount of the obligation cannot be reliably measured. Contingent liability refers to the debt whose final result is still uncertain at present, which depends on whether something happens or not. It is caused by some agreements, promises or circumstances in the past, and the result is still difficult to determine. It may be the real debt that the enterprise is responsible for repaying, or it may not constitute the debt of the enterprise. Therefore, contingent liability is only a potential liability, not the real liability of the enterprise at present.
Loan guarantee refers to the business matters that enterprises use their own property as collateral to provide guarantee for other units to borrow money from banks or other financial institutions. If other units repay the loan on the maturity date, the enterprise is exempted from the guarantee responsibility, but if the guaranteed unit cannot repay the loan on the maturity date, the guarantee enterprise is responsible for repaying the guaranteed debt. On the date of enterprise guarantee, the contingent liabilities of the guarantee enterprise are formed.
How can I apply for a loan if my personal debt is too high?
The loan is terrible. You can try other channels to solve it.
What are the responsibilities of personal credit information?
Credit card limits are used to calculate liabilities and loan amounts.
If the bank handles mortgage payment, how to calculate credit card debt?
Have you ever been overdue?
How to calculate the repayment ratio of income when going to the bank for loans? What is the formula?
There are two main loan formulas, namely, the calculation formula of equal principal and interest loan and the calculation formula of average capital loan. The calculation method is difficult.
The biggest difference between the two formulas lies in the different ways of calculating interest. The former uses compound method to calculate interest (that is, both principal and interest generate interest), while the latter uses simple method to calculate interest (that is, only principal generates interest). In this way, under the same conditions of other loans, loans with equal principal and interest are obviously much more interesting than loans with average capital. In addition, the repayment amount of each installment calculated by matching principal and interest loans is equal; However, the repayment amount of each installment calculated by the average capital loan is different. From the early stage to the late stage of repayment, the amount gradually decreases.
Calculation formula of matching principal and interest loan:
Monthly repayment amount (monthly principal and interest) = loan principal x monthly interest rate x [(1+monthly interest rate) repayment months]/([(1+monthly interest rate) repayment months]-1)
Calculation formula of average capital loan: monthly repayment amount (referred to as monthly principal and interest) = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) x monthly interest rate. Later, the amount gradually decreased.
Matching principal and interest loan: calculated by compound interest rate. At the settlement time of each repayment, the interest generated by the remaining principal will be calculated together with the remaining principal (loan balance), that is to say, the unpaid interest will also be calculated, which seems to be more severe than "rolling interest". In foreign countries, it is recognized as a loan method suitable for the interests of lenders.
Average capital loan: interest is calculated by simple interest rate method. At the settlement time of each repayment, it only bears interest on the remaining principal (loan balance), that is to say, the unpaid loan interest is not calculated together with the unpaid loan balance, but only the principal.
Therefore, under the traditional repayment method, the longer the loan cycle, the more interest the loan with equal principal and interest will generate than the loan with average capital. Therefore, if the borrower cannot adjust (or choose) the repayment method, the borrower with longer loan term should choose the average capital loan.
The difference between two kinds of loans.
Although the average capital loan can save a lot of interest, the "disadvantage" of the average capital loan is that the repayment amount in each period is different, with the repayment amount in the early stage being heavier and the repayment amount in the later stage being lighter. This requires the borrower's repayment ability to adapt to this situation. The loan with equal principal and interest has no such "shortcomings", and its repayment amount in each installment is the same. Borrowers can easily make loan plans according to their repayment ability. However, it should be noted that although the average repayment amount of capital loans is different, the average repayment amount of each loan is much lower than that of the matching principal and interest loans.
Matching principal and interest loan repayment table (part): the repayment amount of each installment is the same.
Average capital loan repayment table (partial): the repayment amount of each period is different.
How to calculate the credit card debt ratio
All liabilities (including credit cards and loans)/(revenue * base)
For example, a credit card with a line of 654.38+00,000 yuan will arrive the next day after repayment, and it will be spent all on the third day.
Then within 30 days of each month, only 3 days have 1 000 yuan in the card, and the rest 27 days are in 0 yuan.
The daily average is 65,438+0,000 yuan, with an increase of 65,438+00%. The debt ratio is 90%.
Many banks pay attention to the six-month average debt ratio.
Don't look at debt loans
It's all just watching.
Bank loans are calculated according to your income and liabilities. A good credit record is a prerequisite for a loan, but if the debt is too high, the bank will think that your solvency is insufficient.