Most of the loans issued by banks to legal entities are provided to pay for specific obligations. Therefore, after the transaction for which the loan was received, it is necessary to account for the targeted spending of funds.
It is necessary
- - agreements (contracts);
- - money orders;
- - accounts;
- - invoices;
- - waybills;
- - acceptance certificates;
- - acts of work performed;
- - balance sheets, etc.
Instructions
Step 1
The purpose of the loans is controlled by the bank employees who keep the credit file. As a rule, even in the process of considering an application for a loan, a potential borrower is required to indicate the direction of spending credit resources, that is, to submit to the bank an agreement or contract under which payments will be made. When making a payment, the loan officer monitors the compliance of the details specified in the agreement and in the payment order, which is the first step in checking the intended use of the loan.
Step 2
Further actions of the borrower are to transfer to the bank documents confirming the fulfillment of obligations under the contract by the second party: receipt of fixed assets, receipt of goods, performance of works and services and other purposes for which the loan was issued.
Step 3
In particular, if you have received a loan for the purchase of a consignment of goods, fixed assets, raw materials and supplies, prepare photocopies of contracts with suppliers, invoices, invoices or acceptance certificates, and also print the balance sheet of the account from the accounting program, on which the acquired objects were capitalized. To report on credit resources aimed at paying for work and services, you will need a contract, invoice or invoice from the contractor, as well as acceptance certificates for the work performed.
Step 4
Part of the loans is issued to replenish working capital. In this case, as a rule, it is allowed to spend money for any purposes stipulated by the charter and ensuring the activities of the enterprise: payment of wages, rent and utility payments, repayment of debts to the budget, etc., except for the return of loans and credits. To confirm such expenses, submit to the bank payroll and payroll statements, payment orders for taxes and fees, invoices for rent and utilities, etc.
Step 5
As a rule, photocopies of documents on the intended use of credit funds must be certified. Make on all sheets of the paper marks “Copy is correct” by hand or with a stamp, sign with the head of the enterprise and affix the seal. If an agreement has been concluded with the bank on electronic document management and the use of digital signatures, send the documents in scanned form.
