Loan repayment instructions

I. Description of loan repayment

If the loan principal is 654.38+0.2 million, the annual interest rate is 65.438+00%, the term is 65.438+00 (June 65.438+0), and the principal and interest are repaid in equal amount, it is a pmt () function in EXCEL, which is a high-number function used to calculate the amount of equal principal and interest in each period within a certain period. 120000) =1585.81Note: Interest has been included in the monthly contribution. Calculation of the first month's interest =12000010%12 =10002, and press. The monthly interest on the principal repaid at maturity =1200010%12 =1000. On the maturity date, interest shall be paid monthly =120001000 =1210003. In this method, the general interest gradually decreases with the decrease of the principal, and the interest is heavier at the beginning, such as: interest in the first month =1200010%12 =1000, and principal repayment in the first month =120000/6544. As the name implies, the interest will be returned together with the principal when the loan expires:12000012000010%10 = 240000.

Second, how to write the repayment form

Question 1: How to write the repayment certificate, including the format and validity period? Proof: how much RMB will be repaid to xxx on a certain day in a certain month in a certain year, and how much RMB will be in words, and the original iou will be invalid. Borrower XXX and repayment XXX, year, month and day.

Question 2: How to write the repayment certificate? . . . I received XX yuan () owed or borrowed by XXX for shopping. .

Signature date

Question 3: How to write the repayment receipt? Received xx and borrowed 10000 yuan.

Han xxx

Date, year and month

Question 4: How to write the repayment receipt?

I received the repayment from the borrower on, and this receipt proves that the loan has been paid off in full.

Never owe each other again. (or partial repayment, and RMB yuan later). This receipt is made in duplicate, one for the payer and one for the payee.

The payer shall keep one copy each.

This is to certify that the Borrower:

Payee:

Reference 1:

Reference 2:

Date, year and month

Note: 1, in duplicate, should be copied or printed on carbon paper.

2. Reference is to prevent future entanglement, or you don't need reference.

Question 5: How to write a model essay on the source of repayment? There are mainly several aspects: first, there is the company's cash flow, and the cash generated by your company in the future, whether it is business operation or asset realization. It can be divided into the first repayment source, the cash flow generated by the loan object and the cash flow generated by other assets. This is the most important thing, to describe in detail, so that others look credible; Second, the strength of shareholders, whether shareholders have enough support, etc. , provide; Third, whether the cash flow of affiliated companies or subsidiaries can be repaid.

The key is whether the source of future cash flow is sufficient, and if it is sufficient, there will be no problem.

Question 6: How to write the repayment agreement, which proves that employees repay brothers A, B and C. A borrows 654.38+million yuan from B, and after the expiration, B is in a hurry to use the money and asks A to repay. A said that he spent money on his son and had no money to pay it back. And asked c to persuade him. In order to be brothers, C advised B not to be so important, and B agreed to C's persuasion in order to be brothers, and finally reached an agreement. Party A repaid 80,000 yuan to Party B, but unexpectedly Party A still refused to repay, and even altered the evidence that Party B owed Party A 200,000 yuan. After being exposed, it is required to repay 80,000 yuan as agreed.

The judge actually agreed to A's request and sentenced B to fulfill the agreement. A only paid 80,000 yuan and asked C to pay 20,000 yuan jointly.

The judge thought that C was the persuader and promised to help B raise money, which was a guarantee. B and C think that the judge confused the primary and secondary relations, and the judge replaced the primary contradiction with the secondary contradiction. In fact, due to Party A's non-performance, this agreement has been automatically abolished. Party A shall still repay Party B RMB 654.38 million. ..

I think the views of B and C are correct, but I don't know which law can support the views of B and C.

Question 7: The person subjected to execution has paid off the money. How to write a statement? There is no need to write him any statement. If it is performed by itself, just give a copy of the receipt issued by the plaintiff; If it is compulsory, there is no need for any formalities, and both parties will be given a final ruling to execute the case, indicating that the case has been closed.

Question 8: How to write the repayment certificate? Hello, .........., the problem you mentioned belongs to the assignment of creditor's rights in contract law. Your company can write a notice: "Company A owes our company RMB ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

In addition, most enterprises now have legal advisers to ensure the legal operation of enterprises. Please contact me if you need legal counsel.

Qing Yu Citizen Lawyer of Zongheng Law Network

Question 9: How to write the certificate of the end of repayment, indicating who paid how much when and where, and all debts were paid off. Finally, the payer and the payee sign and seal, leaving one for each. If there is a witness, you can also write down who the witness is and ask him to sign or seal it.

Question 10: How to explain the overdue repayment of credit cards? As long as a good repayment record is maintained in the later period, the problem is not big. Write a normal reason, and the bank will not be too entangled.

Third, the 750,000 mortgage loan is repaid 20 years in advance, minus 200,000. How many months?

Here, the repayment method, loan interest rate and one-time repayment after the first payment should be stated.

Suppose it is the repayment method of "equal principal and interest"

Assume that the loan execution interest rate =4.9% and the monthly interest rate = annual interest rate/12=0.40833%.

Repay 200 thousand in one lump sum after vacation.

First, calculate the monthly repayment amount.

Formula monthly repayment interest rate /[ 1-( 1 monthly interest rate)-repayment months]

The monthly repayment is 0833%/[ 1-( 10.

= 477 1.09 yuan

2. 12 repays 200,000 yuan in one lump sum after installment, and calculates the repayment months and years later.

Step 1: sum of present value of previous 12 periods = monthly repayment amount [1-( 1 monthly interest rate)-(repayment months 1)]/ monthly interest rate.

Before 12 was 771.09 [1-(10.40833%)-13]/

= 60286.98 yuan

Step 2: 12 1 present value of lump sum repayment after monthly interest rate)-(paid months 1)

/kloc-present value of one-time repayment after 0/2 installment = 200,000 (10.40833%)-

= 189680.70 yuan

Step 3: Sum of present value of repayment amount after 12 = (sum of present value of loan amount and one-time repayment amount after-12) (1 interest rate)-(number of repayment months is 1).

Sum of present value of repayment amount after 12 = (750000-680.7) (1-13

= 527235.86 yuan

Step 4: Number of repayment months after 12 = LG [1/(sum of present value of repayment amount after1-12)]/

12 repayment months after installment = LG [1(1-527235.860.40833%)/4771.09]/LG (10.40833)

= 147.26

The number of repayment months after 12 is rounded to = 147.

Step 5: Monthly repayment amount after 12 installment = 12 installment and [1-( 1 interest rate)-12 installment]/monthly interest rate}

Monthly repayment amount after 12 = 527,235.86/{[1-(10.40833%)-147]/0.40833%}

= 4777.23 yuan

Results:

Under the assumed conditions, after the repayment of 12, a one-time repayment of 200,000 yuan will be made, and later repayment of 147 will shorten the repayment period by 93 periods, and the repayment amount of each period will be 4,777.23 yuan. This prepayment can save interest of 238,038.88 yuan.

Answered on August 22, 2022

Agreed 1

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50,000 credit cards are divided into 24 online loans for 3 years, and various methods have been tried to finally pay off.

How many installments will be shortened if the loan is repaid to 200,000 before the 750,000 320 installment?

Hello, it's my pleasure to serve you. I am a teacher of Baidu. I have 6 years of financial and economic experience. He is good at answering questions about bank loans, credit cards and online loans, and is editing replies. Please be patient. Paying back 200,000 before 750,000 320 installments will shorten the number of installments. Hello, it's my pleasure to serve you. I am a teacher of Baidu. I have 6 years of financial and economic experience. He is good at answering questions about bank loans, credit cards and online loans, and is editing replies. Please be patient. Answer: I want to repay the mortgage in advance, reduce the monthly payment, or shorten the time limit so that I can ask questions and get answers. If a person like me wants to pay back 300 thousand in a large amount, how can it be cost-effective It is more cost-effective to ask questions to shorten life than to reduce monthly supply. The answer score of 6.5438 million is to shorten the life span, and the score of 200,000 is to reduce the monthly supply. How's this? Asking a question about the monthly payment is a bit excessive. Paying back 300,000 yuan at one time and shortening the service life are the most cost-effective answers. If the economic pressure is great, you can choose to reduce the monthly payment and keep the repayment period unchanged.

Finance Xiao Wei teacher

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The loan of 6 1 0,000 yuan has been repaid 1.7 years, and it will be repaid in 25 years. Paying back 250 thousand in advance can shorten several years.

Dear, hello, the loan of 6 1 0,000 yuan has been paid back 1.7 years, and it will be paid back in 25 years. Paying back 250 thousand in advance can shorten ten years. 6 10000 yuan loan, 1.7 years has been repaid, and it will be repaid in 25 years. Paying back 250 thousand in advance can shorten several years. Dear friends, the loan of 6 10000 yuan has been repaid in 1.7 years, and it will be repaid in 25 years. Paying back 250 thousand in advance can shorten ten years. Answer dear, the loan is 665438+100000 for 25 years. In the time when the loan contract stipulates that early repayment will not generate liquidated damages, the earlier repayment is more cost-effective and the more interest can be saved. For example, if you have a mortgage, you can generally repay it in advance after one year of repayment, and there will be no liquidated damages. In this case, it is more cost-effective to withdraw money early. For example, prepayment after one year can save the most interest. Answer my dear, and tell you the prepayment process of mortgage, as follows: 1. Check the terms in the mortgage contract to find out whether it is necessary to pay liquidated damages. Consult the loan bank about the application time, minimum repayment amount and materials to be prepared for early repayment; 2. Bring my ID card, repayment bank card, mortgage contract and other materials to the relevant departments of the bank to apply for early repayment, and fill in the application form for early repayment; 3. Submit the prepayment application form and deposit the corresponding amount into the repayment bank card. The banking system will automatically initiate the deduction, and after deducting the corresponding amount, the prepayment operation will be completed. You can get the real estate license after paying off all the loans in advance, and you have to go to the tax department for tax refund within 6 months after completing the real estate license. answer

Teacher Zhao lingyang

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