(a) working capital loans for small enterprises can be repaid in the following ways:
1, equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month within the loan term.
2. Pay interest on a monthly basis, that is, repay the loan interest on a monthly basis within the loan term, and repay the loan principal in one lump sum when the loan expires.
(2) Fixed assets loans for small enterprises can be repaid in the following ways:
1, equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month within the loan term.
2. Repay the principal and interest in equal installments, that is, only the interest will be repaid during the grace period of the loan, and the principal and interest of the loan will be repaid in equal amount every month after the grace period, with the longest grace period not exceeding 6 months.
Is it possible for a loan deduction enterprise to operate on its own?
The loan deduction of commercial loan enterprises can be operated online by themselves.
The repayment methods of individual loan enterprises are as follows:
1. Equal repayment of principal and interest: General banks will recommend this repayment method because the repayment amount is the same every month.
2. Equal principal repayment: the amount to be repaid in the early stage is relatively large, so the repayment pressure in the early stage is relatively high, but the repayment pressure will decrease month by month.
3. One-time repayment of principal and interest: Although the repayment method is simple, it is not suitable for loans with a loan term of one year or less.
4. Pay the interest and repay the principal on schedule: the lender can negotiate with the bank to specify the repayment time according to its own economic situation. This repayment method is suitable for lenders with unstable income.
What are the sources of funds for enterprises to repay loans?
Sources of funds for enterprises to repay loans: undistributed profits, depreciation expenses and other income.
Undistributed profit is the profit retained by the enterprise to be distributed or to be distributed in future years. Distribution can be continued in future years, and it is an integral part of owners' equity before distribution. In terms of quantity, undistributed profit is the balance of undistributed profit at the beginning of the period plus net profit realized in the current period, minus various surplus reserves and distributed profits.
Depreciation expense refers to the depreciation expense calculated and extracted according to the original value of the fixed assets of the enterprise and the specified residual value rate and depreciation method, excluding the fixed assets that have not been depreciated.
Extended data
Repayment method of enterprise loans:
1, equal repayment of principal and interest
This is the most common repayment method, and general banks will also recommend borrowers to adopt this repayment method. Because this repayment method has the same repayment amount every month, it is convenient for borrowers to remember, and it is also convenient for borrowers to arrange income and expenditure, which is suitable for borrowers with stable income. However, because the interest will not decrease with the repayment of the principal, it is precisely because of this that the total interest on repayment is relatively high and it takes a long time to occupy bank funds.
2. Repayment by average capital
Compared with equal principal and interest repayment, this repayment method can save a lot of interest, but the amount to be repaid in the early stage is more, so the repayment pressure in the early stage is greater, but the repayment pressure will decrease month by month, which is suitable for borrowers with better economic income.