loan 的 account 如何做账

myhomeprinting

如果我向银行贷款的一辆车（RM100000.00),利息（RM10000.00)还9年

这个情况，要如何做账？如何debit & credit?

我是这样做的;
debit fixed asset 车(RM100000.00)
credit loan (RM100000.00)

利息（RM10000.00) 这个地方要如何做？哪里debit哪里credit?,
是不是开个loan trem interest （credit)...那么debit去哪里？

Is_yOu

Dr. BS - Fixed Assets 100,000
Dr. BS - HP Interest Suspense 10,000
Cr. BS - HP Payables 110,000

myhomeprinting

Is_yOu 发表于 30-9-2015 12:19 PM
Dr. BS - Fixed Assets 100,000
Dr. BS - HP Interest Suspense 10,000
Cr. BS - HP Payables 110,000

Dr = debit Cr=credit
BS=???是什么？
HP =???是什么？

syj

myhomeprinting 发表于 3-10-2015 10:15 AM
Dr = debit Cr=credit
BS=???是什么？
HP =???是什么？

BS = Balance Sheet
HP = Hire Purchase

买车没有用Term Loan的

myhomeprinting

syj 发表于 4-10-2015 07:29 AM
BS = Balance Sheet
HP = Hire Purchase

如果我还钱，就Dr-HP Payable , Cr Bank对吗？
那么那个Hp Interest Suspense 不就永远有钱在里面吊着在Dr site？(如何解决这里?)

syj

HP Interest Suspense要根据你的Schedule每个月转去P&L (as expenses).

Is_yOu

myhomeprinting 发表于 6-10-2015 09:10 AM
如果我还钱，就Dr-HP Payable , Cr Bank对吗？
那么那个Hp Interest Suspense 不就永远有钱在里面吊着在 ...

Simple Calcuation:
Car - $100K, Loan $60, Cash paid $40K, Interest $6K, Term - 60 Months, Installment per month $1.1K
Initial Entry
Dr. Fixed assets - $100K
Dr. HP Interest Suspenses - $6K
Cr. Cash $40K
Cr. HP Payables ($60 + $6K) $66K

Installment paid
Dr. HP payables $1,100
Cr. Bank/Cash $1,100

Interest take up (easy mode 6K/60 installment = 100 monthly interest)
Dr. Profit and Loss - HP Interest expenses $100
Cr. Balance Sheet - HP Interest suspenses $100

真正的利息算法是用sum of digit method
你可以用以下网址计算····
http://www.thecalculatorsite.com/finance/calculators/carloancalculator.php

五花肉之光

hire purchase credit 是不是有分long term 和short term?

blueberry0113

感谢你的分享