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How to make a loan from the physical. person

How to make a loan from the physical. person

There are situations when an individual gives the organization the money debt.

It is right to make registration of the operation to prevent a dispute and comply with the law.

instructions

1

Apply for a loan agreement in writing, in duplicate, as to confirm the transaction will be difficult without the document.

2

Specify in the contract the complete data on both sides,the loan amount, term of repayment, whether it is interest-free or interest will accrue on the amount owed. In the absence of a mark on a loan, it is charged interest. If the repayment period of the contract is not listed, follow the rules prescribed by law: a refund is made within 30 days from the date the lender requirements.

3

Try to carry out such transactions in rubles, as the foreign currency debt complicates accounting operations with him.

4

Specify in the contract the possibility of early return of the debt.

5

Ensure signature of two witnesses in the document,if not invited to a notary to certify the transaction. Apply for credit cash order on the loan amount in the form number CA-1. Included in the cash book of the transaction data.

6

Put the money in a bank accountorganization. Note the funds on the account balance №66, if the debt will be returned within a year, and on the account №67, if the loan is expected to pay later. Use for calculating the amount of interest the bank refinancing.

7

Include the amount stipulated in the contractper cent in the non-operating expenses. Not to charge taxes on the amount of received loan as funds received by the organization in such a way are not taxed.

8

Turn on the amount of interest to be paidthe loan in taxable expenses. Make the account cash warrant paying the lender debt and accrued interest, to provide documentary evidence. Receipt of orders Hand with the money.

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