If you apply for a credit card in your own name, you can buy a car in installments, and if you apply for a mortgage in your company's name, you can buy a car in full.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Shareholders personally borrowed 2 billion yuan for the company. How to make accounts and repay loans every month? Only shareholders can give the loan money to the company in the form of investment, which will be recorded when the company gives it to the company.
Debit: bank deposit xx
Loan: paid-in capital xx
How to inquire about the monthly repayment amount of provident fund loans? Housing provident fund inquiry office: log in to China, the housing provident fund management officer, to make an inquiry: enter the official station of China to connect with the housing provident fund inquiry link, click the inquiry page, enter the account number (ID card or provident fund card number) and password, enter the account details page, log in to the provident fund custodian bank China Bank, and make an inquiry: log in to the provident fund custodian bank, enter the welcome page of Bank of China, and click the link of my account column; Enter the function menu on the left side of my account page and find the option point of housing provident fund; According to your own needs, you can choose to inquire about my housing provident fund and transaction details, and go to the housing provident fund management counter to inquire: employees need to bring their original ID cards when handling this inquiry, and units need to bring their letters of introduction, employees themselves and the original ID cards when handling the inquiry; Entrustment inquiry needs to bring the original ID cards and power of attorney of the entrusted employee and the entrusted employee; Information carrying area provident fund management counter; To inquire (print) the historical details of provident fund deposit (more than half), employees must apply for the details of employee 5' s work receipt at the provident fund (office) with the original ID card. Call the provident fund service hotline 12329 for inquiry: call the provident fund hotline and click the self-service inquiry account according to the prompt, and enter the password of the provident fund account for short message inquiry (supported by some cities): edit the short message according to the requirements of the provident fund inquiry format and send it to the inquiry number, that is, Alipay inquires the provident fund (supported by some cities to find the city service button and enter the step operation; Find the provident fund query button in the city service menu; The first operation of this service requires authorization confirmation; Click the query button after authorization; Enter the ID number and inquiry password according to the system prompt; Enter the interface and wait for the specific figures provided by the system.
Can I repay the public loan in my own name? Under normal circumstances, it is possible.
I hope I can help you. If your problem is solved, please adopt it. Thank you.
The company lends money in the name of an individual and repays the loan with the company's operating income. What procedures does the other partner of the company need to go through? This bank will ask you to cooperate with the bank to prepare the information.
Usually, the financial system of small and micro enterprises is not standardized. Banks all require the principal responsible person or actual controller to make loans in name and actually operate. This is very common. This kind of loan is usually called small business loan.
Generally, major shareholders and enterprise legal persons are required to sign a commitment letter of joint and several repayment responsibilities. In fact, the remaining shareholders must be the guarantors of the loan.
Every bank is slightly different. You'd better communicate with the dealer.
How does the company boss keep an account when he buys a car and repays the loan? Debit: advance payment
Loans: bank deposits
Borrow: fixed assets
Unconfirmed financing expenses
Loans: long-term payables
advance payment
Monthly deduction:
Debit: financial expenses
Loan: unconfirmed financing expenses.
Debit: Long-term payable
Loans: bank deposits
Apply for a small loan of 20 thousand yuan, how much do you need to pay back every month? Personal small short-term credit loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 20,000 yuan, which are used to solve the temporary consumption needs of borrowers without guarantee. Lenders refer to the branches of Industrial and Commercial Bank of China that provide personal small short-term credit loans. The borrower refers to a China citizen who has a fixed residence in China, a fixed residence in a local town (or a valid residence certificate) and has full capacity for civil conduct.
I. Borrower's Information
Borrowers applying for personal small short-term credit loans shall meet the following conditions:
1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;
2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;
3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;
4. Abide by laws and regulations, and have no illegal acts and bad credit records;
5. Open a credit card or current savings account in a bank;
6. Sign an agreement with the lender to deduct the loan from its peony credit card or current savings account;
7. Other conditions stipulated by the lender.
Two. Loan term and interest rate
(1) The term of personal small short-term credit loan is less than 1 year (inclusive).
(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.
(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
Third, the loan application
When applying for a loan, the borrower shall provide the following information to the lender:
1, loan application approval form;
2. My valid ID card
The loan business of banks is classified in detail.
Car loan, mortgage, public loan, personal consumption loan, credit card loan.
What you need is a typical personal consumption loan.
Any bank all over the country can handle it. You need to show more than 10000 houses, land, cars or fixed assets, any of which can be used as collateral.
The longest term of this personal consumption loan is 2-3 years, which varies according to different regions and banks. The interest rate is the benchmark interest rate set by the central bank (also the lowest loan interest rate).
I suggest you consult the bank for details. The difference between a business area and a bank will be a little different in details. I have mentioned the basic conditions, procedures and characteristics of this business.
1, the loans of rural credit cooperatives are basically for customers within their own jurisdiction, and cross-regional loans are basically not allowed. You can try to apply for a loan in the county-level rural credit cooperative business department in your area, as long as you are registered in this city.
2, the loan certificate is not necessary, now the credit evaluation of the loan certificate begins, you can apply.
3. Credit loan: ID card (required), loan certificate (this is not necessary, but it is best to show it). It is best for the street committee to show your income certificate.
Mortgage: real estate license, marriage certificate, ID cards of both parties, and then go to the housing management office to handle the transfer procedures.
4. Generally, if you want to borrow 20,000 yuan, you have to mortgage it. Credit loans are rarely so high. Our medium and long-term commercial loan interest rate here is 8.77725 per month, which means medium and long-term 1 to 3 years.
Interest calculation formula = monthly interest /30/ 1000 * actual loan days * principal.
5. Please explain the reason of the loan realistically, change the purpose of the loan without authorization, and the credit cooperative has the right to forcibly recover the loan.
answer
Buying a house for the first time, with a loan of 220,000. The repayment time is 15 years. How much is the loan to be repaid every month? Loans without provident fund. Monthly repayment 1728.3 1 yuan (calculated at the commercial loan interest rate of 4.9%).
Before marriage, I bought affordable housing in my own name and borrowed money in my own name. Before remarriage, I agreed that the property rights would belong to me and I would personally repay the loan. Can the other party claim property rights? Apply for affordable housing before marriage, and have a property agreement before marriage. Then the property right is you personally. The other party cannot claim that the husband and wife have joint property.
Q: The company borrows money from the personal account of the legal person to buy a car every month. How to make an account 1? If it cannot be deducted from the personal account, it should be deducted from the company account, or remitted to them in the name of the company. Even if an individual is a legal person and a company is two different subjects, he pays for nothing, so he can only pay for it himself.
2. Ask the collecting bank first, and ask for a repayment receipt or a collection confirmation receipt, affix a banking seal, and tell them that you are a company loan car, not a personal loan. The receipt must indicate the principal and interest respectively. The car loan contract was signed in the name of the company, not an individual. )
2. After receiving the receipt, it will be used as the original repayment voucher and attached to the accounting voucher.
3. Accounting treatment: Because it is a corporate loan, the interest on loan repayment is charged as operating expenses, which can be deducted from income tax. The principal is used to repay the loan. Assuming that the principal is repaid 1000 and the interest 100 in this period, the entry is
Debit: management fee 100
Borrow: Long-term loan 1000
Loan: bank deposit 1 100.