Fіnansi of companies - Poddєrogіn AM

7.2.3. Repayment BANKІVSKOGO LOAN PІDPRIЄMSTVOM

Minds of repayment kreditіv suttєvo vplivayut on fіnansovy camp sub'єktіv gospodaryuvannya.

Repayment of loan - Tse sposіb repayment yogo osnovnoї sumi i narahovanih vіdsotkіv. Credit pogashayut povnіstyu pіslya zakіnchennya termіnu kreditnoї lands abo postupovo, Chastain. Vіdsotok narahovuєtsya for the amount of outstanding loans.

For the method of repayment poziki shaping can Buti: to zapitannya, s repayment in vіdpovіdny termіn, s dovgostrokovim maturity.

For pozikami to zapitannya lines Povny Povernennya not specifically viznachaєtsya i repayment vіdbuvaєtsya on vimogu bank.

Pozika Mauger pogashatisya pіdpriєmstvom not tіlki vіdpovіdno to the credit agreement, and the second dostrokovo (on vimogu lender abo on Bazhannya pіdpriєmstva).

For the character of repayment of the loan on podіlyayutsya takі Vidi:

1) diskontnі;

2) poziki, SSMSC pogashayutsya postupovo - schomіsyachno, schokvartalno once on pіvroku, schorіchno;

3) poziki, SSMSC pogashayutsya one-time payment pіslya zakіnchennya termіnu poziki, tobto pіdpriєmstvo odnochasno splachuє bank scrip main Borg that narahovanih vіdsotkіv;

4) amortizatsіynі (zdіysnyuєtsya postupova viplata main Borg that vіdsotkіv rіvnomіrnimi vneskami).

Mozhut Buti th INSHI way of repayment, the credit SSMSC zaznachayutsya dogovorі (napriklad nadannya pіdpriєmstvu pіlgovogo perіodu kredituvannya, tobto vіdstrochki repayment of the loan).

On vіdmіnu od zvichaynih nadannya Discount pozik peredbachaє utrimannya pozikovogo vіdsotka (discount) pid hour vidachі loan.

Butt 4.

For zvichaynoyu pozikoyu pіdpriєmstvo otrimalo credit 100 tis. UAH. pid 20% rіchnih. Pіslya completion rock vono Splat the bank a one-time 120 tis. UAH. For Discount pozikoyu vіdsotki bude utrimano negayno, tobto pіdpriєmstvo otrimaє 80 tis. UAH. (100 UAH a yew -.. 20 tis. UAH.) I through Year Rotate їh bank.

Zakonodavstvom Ukraine vidachu Discount pozik zaboroneno.

For repayment perіodichnimi vneskami Pevnyi chastka osnovnoї Sumi loan splachuєtsya odnakovimi vneskami protyagom termіnu dії kreditnoї lands and bіlsha Chastina Yogo - pіslya zakіnchennya termіnu loan.

For "amortizatsіynogo" repayment of the principal loan scrip pіdpriєmstva splachuyut postupovo. Platezhі zdіysnyuyutsya odnakovimi Sumy regularly i vklyuchayut vіdpovіdnu Chastain main sumi Borg i vіdsotkіv. Repayment odnakovimi vneskami peredbachaє scho Leather for the following platіzh Mensch poperednіy, oskіlki vіdsotkovі viplati s znizhuyutsya hour.

INSHI way of repayment of the loan:

* Repayment Mauger Buti pov'yazany od s income goes down, scho kredituєtsya (s Pererva repayment of the loan, tobto s pіlgovim perіodom and regulyarnі vneski to repay zdіysnyuyutsya tіlki todі, if the project pochinaє figure out dohіd);

* Vneski to repay the loan sumi osnovnoї zdіysnyuyutsya irregular th neodnakovimi Sumy.

Jerel loan repayment otrimanogo pіdpriєmstvom, shaping can Buti:

- Viruchka od realіzatsії produktsії scho її otrimaє pіdpriєmstvo in protsesі realіzatsії kredituvannya project;

- Viruchka od realіzatsії produktsії Vlasnyi virobnitstva not pov'yazanogo kredituvannya s project;

- INSHI nadhodzhennya od gospodarskoї dіyalnostі.

Minds of repayment of loans obumovlyuyutsya pid hour pіdpisannya contract pіdpriєmstva s bank vihodyachi s:

- Tsіlovogo spryamuvannya loan;

- Obsyagіv that termіnu poziki;

- Order that strokіv nadhodzhennya koshtіv on rakhunok pіdpriєmstva;

- Sezonnostі that tsiklіchnostі virobnitstva;

- Rіvnya platospromozhnostі that nadіynostі materіalnogo zabezpechennya pіdpriєmstva toscho.

Vіdsotki for koristuvannya credit narahovuyutsya schomіsyachno in rozmіrі, peredbachenomu credit agreement. SPLAT vіdsotkіv zdіysnyuєtsya for factuality Quantity dnіv koristuvannya pozikoyu.

Pіdpriєmstvo Mauger zvernutis to place the bankіvskoї z'prohannyam exchange glances grafіk repayment zaborgovanostі that narahuvannya vіdsotkіv. Bank Mauger zvazhiti on klopotannya, Yakscho pіdpriєmstvo bringing ob'єktivnu nemozhlivіst otrimannya peredbachenogo BIZNES-up of income in obsyazі, dostatnomu to repay poziki. For Zgoda bank pіdpriєmstvo ukladaє s him abo dodatkovu Credit sake, abo koriguє deprivation grafіk zmіni termіnіv chastkovih platezhіv.

Dostrokove styagnennya main sumi Borg that narahovanih vіdsotkіv Mauger article, Yakscho pіdpriєmstvo vikoristovuє loan is not for tsіlovim .priznachennyam, podaє to bank nedostovіrnu zvіtnіst, Got suttєvі nedolіki in vedennі buhgalterskogo oblіku.

For nesvoєchasne repayment Borg bank Mauger styagnuti pіdpriєmstva s fine. For vіdmovi pіdpriєmstva od Splat borgіv Bank styaguє їh in pretenzіyno-pozovnomu order. In razі systematic nevikonannya zobov'yazan Credit Bank Mauger porushiti stosovno pіdpriєmstva the right about bankrutstvo.

Zaborgovanostі repayment of the loan is the payment for vіdsotkіv koristuvannya him zdіysnyuєtsya in chergovostі, yak pid hour vstanovlyuєtsya parties ukladannya land. Vіdstrochka repayment of the loan s pіdvischennyam vіdsotkovoї rates zdіysnyuєtsya bank in vinyatkovih vipadkah, napriklad in razі viniknennya in pіdpriєmstva timchasovih fіnansovih trudnoschіv s neperedbachenih obstavin. Qiu vіdstrochku oformlyayut dodatkovim contract mіzh pozichalnikom that bank. Vіn Je nevіd'єmnoyu Chastain main credit agreement. For nesvoєchasnogo repayment Borg i for marriage domovlenostі schodo vіdstrochki repay the loan to the bank zastosovuє pіdpriєmstva shtrafnі sanktsії.