Chart of debtor payments. Demand payment schedule. Debt repayment schedule rules

When the debt is repaid by parts, you need to make a schedule. It allows both parties to control the implementation of payments and avoid delay. How to make it up?

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Judicial proceedings

If the non-payer does not pay debt for a long time, the lender or the management company (depending on who does not pay the money) have the right to go to court. After that, 2 options for developing events are possible - financial recovery or liquidation. In the first case, the property and legal status of the organization are preserved, and the payment of debt is carried out on a specially developed schedule.

What it is?

The debt repayment schedule is a document that the debtor and the lender sign. The document establishes the frequency, the deadlines for the fulfillment of debt payment obligations in such a volume that the court will establish. The form of the schedule was developed by Federal Law No. 127 "On Bankruptcy" (Article 85), adopted on October 26, 2002.

Creating a graph is carried out at the time of the start of the improvement.

Debt payments begin immediately after the administration of the manager.

In what cases is the debt repayment schedule?

The debt repayment schedule is needed when the debtor has a certain amount of debt and is ready to pay it. The document is drawn up as an application to the obligation of the loan. The schedule acts as a unilateral obligation of the borrower. It is drawn up if the court will be appointed financial recovery of the organization.

When drawing up, the following should be taken into account:

the paper contains creditors;
in accordance with the contract, lenders of the first and second queue it is necessary to pay money in a month since money healing;
the debt is paid in proportion to the requirements of creditors;
the graph is drawn up in the form of a table and contains such columns - the number, the name of the lender, the amount of debt and the period of payment;
in accordance with the law, the money is paid on time marked with schedule, perhaps early repayment;
if there are several payments, the last graph is divided into several.

It has advantages - the amounts are indicated fixed, the time is saved to refine the balance of debt residues, there is the possibility of early repayment.

The schedule is annuity and differentiated. In the first case, the amount of debt, including interest, is divided into equal amounts. The second option is drawn up on the principle of decrease - large amounts are first introduced, then smaller.

Each of the types of graphics has positive and negative sides. On the annuity system it is easier to control payments. Also, the debtor is easier to remember what amount must be made, since the amount of payment is the same. Disadvantage - if a non-payer will pay debt ahead of time, interest is not recalculated.

Standard schedule is convenient because it is easy to calculate the remaining amount of debt, in case of early repayment, recalculation occurs.

Value

The value of the debt repayment schedule for organizations is as follows:

all the requirements of creditors are satisfied;
property arrest can only be overlapped within the bankruptcy procedure;
the action of enforcement proceedings is suspended;
the payment of interest is prohibited;
penal and fines are not prescribed to the debtor.

Rules of compilation

The shape of the graph is influenced by the type of obligations, for the repayment of which it is compiled. The schedule must be clear, clear, not to cause ambiguity.

It is necessary in the form of a table with several graphs - the amount of payment, the periods of payment.

It must be an addition to the agreement and have the signatures of the parties. When the loan or loan is drawn up, the schedule must be printed and put on the borrower. It is compiled in such an amount of copies as part of the contract.

Requirements

The schedule of repayment of debt is a unilateral obligation of the debtor's organization.

With it, the following is taken into account:

the document needs to include all the requirements of creditors who are included in the registry;
it is necessary to indicate the beginning of the debt repayment by the Organization;
creditors 1 and 2 times the defaulter should pay finance in continuation of six months from the date of the organization's financial recovery. The remaining lenders debt is paid no later than for 1 month until the end of the procedure of recovery;
the schedule must comply with the forms of tax legislation;
availability in a document of signatures of persons who confirm the fulfillment of obligations, according to the schedule;
it is necessary to take into account the legal pricing of creditors;
the schedule must be issued in the form of a table, other forms are not allowed;
it is allowed to make amendments to the schedule and repay it ahead of time;
approval of the schedule in the Arbitration Court is mandatory.

It is better to make another payment in advance - the date specified in the chart can fall out on a weekend or a holiday. As a result, the proceedings will arise. Also, after paying, it is recommended to clarify the balance of debt in the bank, since the specified amount may be approximate.

Who should approve the document?

The compiled debt repayment structure approves the arbitration judicial authority. After filling out the form on it, the signatures of the following persons - the founder, the owner of the property and a third party, which fulfills the obligations.

Severity of repayment of requirements

The debt repayment schedule can be issued as an addition to the agreement. For example, when a person takes a loan, the bank gives him a schedule along with the contract. This fact is mentioned in the text of the Agreement. The client may not figure out the schedule and simply pay the amount specified at a specific date.

The danger is that in these amounts the Bank may include hidden commissions, which the client does not recognize.

Therefore, it is necessary to compare the terms of lending and the figures that are listed in the chart. During the registration of the loan it is worth clarifying - you can not adhere to the schedule, and what consequences can be whether it is possible to place a new schedule with current data on the amount of the monthly payment.

Under the contract with an expired

The reason for designing a new schedule is an overdue agreement, as a result of which debt is formed. When the date of payment and the debtor does not make money, fines are prescribed for delay.

If the physical (or legal entity) does not refuse payments, but he does not have finance at the moment, the second party can meet and draw up a partial paying agreement. In such a situation, a new debt repayment schedule is drawn up. The document indicates the terms of payments and possible fines if the debtor will not make a fee again.

Can I make changes?

To adjust, it is necessary to convene a collection of creditors. Such a step is performed if the debtor is not paying money, according to the schedule. Changes are also approved in the Arbitration Court.

To make changes, the founders of the non-payment must consult lenders with a petition. It is necessary to do this for two weeks from the date when it was necessary to make a payment. Manager convenes a meeting. If a decision is made to develop a new schedule, it is necessary to contact the arbitration court for approval. If participants refuse in the petition, financial recovery stops early.

Recovery of payables

The repayment of debt on the loan is not a financial activity, but is considered as current. To pay off debt, bank transfer is used. The debt repayment schedule is drawn up with the conditions for a specific loan agreement.

Repayment of receivables

Accounts receivable - debt that is formed during the sale of goods or the provision of the organization's services on credit or installments. The recovery of such debts is a complex process.

The repayment schedule is compiled if the debtor has financial difficulties of a temporary nature. In this case, an agreement should be issued to attach a debt payment schedule.

Sometimes the lender organization has the right to control the property of the debtor. If he goes away from the schedule and does not make a fee, the lender can hold property until the debtor pays the required amount of debt. Such an action is governed by Article 359 of the Civil Code.

Municipal payments

When a large debt accumulates for utilities, you should not wait until the management company appeals to the court. You can conclude an agreement with the payment schedule. By concluding such a contract, there are many advantages for both parties, for example, an individual discussion of the amount of payments, timing, schedule with a clear indication of data.

The repayment of debt in this case occurs in the amounts that are expensive for non-payer and timing that arrange a control company. The agreement is issued in 2 copies, the presence of payment schedule in it is necessary. The debtor is obliged to adhere to this graphics and not create a delay, otherwise the management organization may terminate the contract and apply to the court to recover the debt.

When the debt is paid completely, the agreement and the schedule are annulled. Such an action is not spelled out in the legislation, the management company voluntarily decides - to conclude an agreement with the debt repayment schedule or not.

Taxes and fees

The repayment of tax debt occurs in the same principle. Payments must be made no later than for 1 month Before the end of the financial recovery. The schedule is developed on the basis of the requirements of tax legislation. It is compiled when the obligation to repay tax debts is carried out in parts.

As can be seen, the debt repayment schedule is drawn up if the lender wants to be guaranteed to get duty from a non-payer. It is drawn up in the form of a table with an indication of the exact amount and the date of payment. The debt repayment schedule is an integral part of the financial recovery of the debtor. It is a unilateral obligation of a defaulter. The schedule is approved by the Arbitration Court. It is necessary to adhere to the schedule, but perhaps early repayment of debt.

Attention!

In connection with frequent changes in the legislation, information sometimes becomes faster than we have time to update it on the site.
All cases are very individual and depend on the set of factors. Basic information does not guarantee a solution to your problems.

The term "payment schedule" includes set of conditionsIn accordance with which the borrower makes a credit fee. Dates, amounts, deadlines, other conditions that act in the process of transferring money for the use of banking structure are included in its framework. It can wear a daily, weekly, monthly character or arbitrary shape. It is necessarily included form transfer form - cash, cashless transfer, on the cashier, by means of a deposit.

Document drawing is carried out in the form of a table and is considered preliminary. Paper can not be considered independent, but acts as appendices to a specific agreement. For example, to the contract of sale, lease, lending.

The schedule contributes to the confirmation of the obligations arising from one subject to the second party. The task is to fix the fact of their presence in writing.

The need for compilation

Despite a simple role, the document is significantSince it contributes not only to fixing periods and accurate payments, but also provides the parties to a transaction unconditional discipline.

Thus, through the schedule, the performer establishes a commitment to the timely provision of goods and services, while the Customer undertakes to provide them with a timely payment.

Often, the application of the document occurs in cases where under the contract is meant the passage of large amounts of funds that are problematic to pay at a time. Installment, decorated in the form of a table, contributes operational solution to the problem.

Requirements for registration

The loan payment schedule is a type of documentation, decorated as a table in which traced all upcoming plates. Traditionally, acts as an annex to the contract and is issued by the Bank to the Client for Painting. Table present columns:

the date in which the upcoming payment will be followed (it is necessary to pay for it to all obligations);
the amount introduced by the client reflected in the ruble or foreign currency;
the double column of the combined type, in which the amount implies the repayment of interest and the payment of the main debt part;
the remaining value for the main "body" of the debt is a commander indicator of debt to the Financial and Credit Institute;
the amount to early repayment (not always present), because the client has the right to early repayment of the loan, warning the Bank for this month, the full amount of funds are displayed here, which must be transferred to the course of proceedings.

Through the document, the client can always know what amount he needs to pay to plan your own finance. Often, the description of payment actions is not accurate, and this is due to a few practical aspects.

The payment date may be per day that is not workers. In such a situation, funds should not do no later than the next business day after the specified date of payment of payment.
The last amount is only corrective, that is, may differ from the one that is noted within the framework of the schedule. The fact is that the amount of payments is often rounded for the convenience of the calculations. Moreover, the last payment includes interest in the days that could add in connection with holidays and weekends.

If the client manages to refund part of the debt obligations in early order, the schedule is subject to revision. Traditionally, changes are subject to the amount of monthly payments, but may also decrease the term of the obligation.

Sample payment schedule for various obligations

Registration of documentation is carried out in arbitrary orderSince the unified sample is absent. But if the company has its own designed pattern, you can use it directly.

Like the format, the design procedure may be absolutely free. This indicates only that the schedule can be drawn from hand or printed in the electronic version, but in the second situation, the Printout service will be required. To create a classic white sheet or a form containing branded details and logo.

Payment schedule, which acts as an auxiliary application to the contract, must be assigned individual number. The information is recorded in the accounting magazine, more precisely, there, where and the data on contracts come.

Creating paper is made in two identical versionsOne of them is subject to transmission to the customer and the buyer, the second - performer. The formation of the document occurs extremely carefully and necessarily taking into account the interests of all parties. Then it is necessary to carefully revise it for accounting for the subtleties of the agreement.

Representatives of contractual relations must sign a document at both sides. Signatures are put by directors of companies and persons who temporarily ensure the fulfillment of their obligations. This should also be attended by appropriate documentary confirmation.

Signatures of persons will act as evidence that the document is agreed and fully subject to execution. If we talk about printing, then she extremely needed Only in the situation in which the condition for application is mandatory within the framework of legal acts of enterprises.

The main points of payment schedule

At the top of the document, its number is affixed, which depends on the order of providing applications to the Agreement. It is also necessary to make an indication of the contract and note its number, the date of compilation.
The schedule formation date. You can provide information on companies between which the relationship occurred, as well as to provide their details.
Switch to the basic section. First, the first sum is made, and then the final date of repayment of the debt is indicated.
Next - as a table containing information about payments, sizes, debt residues. If necessary, you are entitled to add to this summary and other columns, lines that are suitable for the situation.
After final filling and matching the graph, it is necessary to ensure its certification through signatures of representatives of the parties, and then put a stamp.

The rules concern all sorts of concluded contracts - loan, supply, receivables, taxes, loans, and so on. You can create a document in the Excel graphic editor.

Its advantage is that the system automatically calculates the main equations on the amounts, everything that is required is to specify the necessary formulas.

Regulatory regulation and regulation

Regulatory points regarding the document are presented in a large variety. Organizations that make up contracts concluding relations are guided standards and laws at various levels:

federal (federal legislation, decrees, acts, publications, orders from the president and local regulatory structures are taken into account;
regional (The norms of the law are used, which is used within the regions);
local (own designed samples and documents, other papers).

Thus, the payment schedule represents important documentwhich is guided by a large number of organizations. In the filling process must be observed a number of requirementsthat will avoid not only erroneous information, but also problems with applicable law. A competent approach to the design of relationships guarantees a large number of advantages.

Instructions for calculating a loan in Excel below.

Payment schedules today are used in many areas of business and business activities. Most often it is, of course, repayment of debts in bank credit institutions. However, between organizations, such graphs are not so rarely compiled.

What is a "payment schedule"

Under the term "payment schedule" hide the dates, conditions, the amounts that the customer or the buyer should translate the Contractor or the Supplier for the services provided or the work performed.

Files

Payment schedule may be daily, weekly, monthly or arbitrary. It necessarily stipulates the form of money transfer: through "cash" from hand to hand, through non-cash transfers, by entering into cash, on deposit, etc. The chart is always compiled in the form of a table and is preliminary.

As follows from the very essence of the document - it is not an independent form, but serves as an application to any contract: buying and selling, lease, loans, etc. The schedule confirms the obligations arising from one subject of the contractual relationship before the second, fixing them in writing.

Why do you need a payment schedule

The role of the document is pretty simple and at the same time significant: it not only records periods and accurate dates of free, but also disciplines the parties.

The artist makes it in time to supply goods or services, the customer - also to pay them in a timely manner.

In addition, often the schedule is applied in cases where there are quite large sums on the contract, which are difficult to pay at the same time. Installment, made in the form of a payment schedule, allows you to solve this problem.

Pros of payment schedules

Payment schedules are good in that they give a visual picture of the amounts that must be paid under the contract. That is, no hidden commissions, additional contributions, penalties, etc. Unforeseen and unpleasant surprises when paying for competently drawn up payment schedule will not be.

When to do it

The schedule is executed after the contract between the parties will be signed. Information on the presence of a graph and the order of its execution must necessarily be reflected in the contract among other conditions.

How can it be

Payment schedule can be strictly installed or flexible. In the first case, the dates are prescribed in an order that are convenient to both parties to the contract are coordinated, approved between them, but any deviation from the graph automatically leads to penalties, which are also indicated in advance in the contract. In the second case, the schedule depends on deliveries or providing services, that is, for a certain period after the goods come or the service will be executed, the money must be paid.

Is it permissible to change the schedule in the course of the case

In case the customer or buyer for some circumstances does not have time to pay at the right time, it can almost always agree on editing the graphics with the performer or supplier.

It will be the most correct and honest way to solve the problem that will enable the conflict and controversial situations that sometimes reach the court.

Whether to keep track of payment

When concluding a contract in organizations on both sides, persons are appointed who are responsible for its execution. Similarly, the same employees should ensure that the payment schedule is fully fulfilled and in a timely manner. In addition, specialists of the accounting department are usually followed over the execution of payment schedule. This approach avoids the overdue and control that the terms of the contract in this paragraph are not broken.

What will happen if you break the schedule

For violation of payment schedule, quite specific sanctions may be followed, which must be mentioned in the contract.

Without mention, their use will be wrongful. First of all, it is, of course, penalties and fines. In addition, with a systematic violation of the schedule, the contract can be terminated unilaterally (including the court).

How to make a document

The payment schedule is made in arbitrary form, since its unified sample today is not. However, if at the enterprise, the representative of which makes the document, there is a template approved in its accounting policies, it is necessary to use it.

Features of registration

Like the document format, its design may be free. This means that the schedule can be drawn from hand or print on a computer, though in the second case it will need to be printed. For the schedule, a regular sheet of paper or a blank with branded props and company logo is suitable.

Graph, as an additional application to the contract, you should assign a separate number. Information about it must be made to a special accounting magazine, there, where information is made on all prisoners and applications to them.

A document is done in two absolutely identical copies, one of which is transmitted to the customer or buyer, and the second remains at the artist.

Forming a schedule is extremely careful, given the interests of both sides and carefully calculating all the subtleties of the terms of the contract. It should be remembered that if the situation suddenly occurs with the delay of payment, this document may become part of the evidence base, both with one and on the other hand.

Who should sign

The schedule must be signed by representatives on both sides of the contractual relationship. The signatures should put the director of enterprises or persons temporarily performing their duties (what should be the documentary confirmation). Their autographs will indicate that the schedule is agreed between them and is obligatory to execute. As for printing, it should be affixed only if the condition for its use is in regulatory and legal acts of organizations.

If you have faced the task of forming a payment schedule with which you have never come across, see the example below and read the comments to it - based on them without any particular difficulties you will surely make what you need.

First of all, I must say that from the point of view of drawing up the schedule is not particularly difficult and no special knowledge for its design is not necessary.

At the top of the form mark its number (as an additional annex to the contract), enter the actual instruction to the contract, noting its number and date of detention.
Next, enter the date of formation of the graph. If you consider it important, you can give information about organizations, between which there are contractual relations and indicate their details.
After that, go to the main section. First, make a complete amount here, which should be listed in the order of execution of the contract and the final date of repayment of debt.
Further part is the most reasonable to do in the form of a table, which includes payments, their size, as well as the balance of debt. If necessary, you can supplement the table and other columns and lines that you consider it important in your particular case.
After the chart is finally full and consistent, it must be assured by the signatures of representatives of both sides and stamped.

If credit obligations are performed in parts, then in such cases a schedule of repayment of debt will be drawn up.

Such a schedule requires two parties to the contract in order to prevent the delay in the next contribution, as well as control the timeliness of repayment of the loan.

What is the consistency of repayment of credit debt

As a rule, a loan debt repayment schedule is drawn up as an application to for example, the client takes a loan in the bank, so this schedule is issued with it, and in the credit contract itself it is as a mandatory application.

Not every person understands the "slapped" legal terms of the loan agreement and many moments may be simply incomprehensible, but specific numbers on paper clearly show the date of making the next payment and the amount. Therefore, such a schedule is convenient and understood for all borrowers.

But there are pitfalls, which are a significant danger to the consumer of a loan product. The debtor may not even try to delve into the legal deburs of the loan agreement, and immediately start paying strictly on the debt repayment schedule, where the total amount is prescribed. But this final amount may contain hidden commissions, which are eventually poured into overpayments, not agreed before signing the lending contract. But it is completely legal, since the parties signed an agreement, which means they accepted all its sections to execute. It is for this reason that it is extremely important to compare the numbers specified in the debt repayment schedule with crediting conditions registered on paper.

When the consumer draws out a loan, he needs to clarify such moments:

Whether the ability to retreat from the schedule and how it will affect subsequent payments
Whether it will be possible to contact the bank for a new schedule, where current information on the amount of monthly payment will be indicated.

The repayment schedule on a loan agreement which was overdue

To compile a new schedule for the repayment of requirements may be an overdue basic obligation on the basis of which appears and debt. If the next date of payment came, and the debtor did not fulfill the payment to the bank's account, then the proceedings arise in respect of which, according to the loan agreement, fines may be provided. If, for example, the delivery of the goods was broken, then the contract may foresee the part of the parties.

In situations when the company does not refuse to fulfill its obligations, that is, to pay, but it has temporary financial difficulties, then the second party can enter the situation and make concessions. The first version of the exit from the current situation is between the parties on partial payments. It is clear that it is not quite profitable to the lender, but it is better to remain without money at all. In this case, a new schedule of repayment of debt on the loan of which the debtor will have to adhere to. It is prescribed periods of payments, and penalties may also be included if the debtor again does not fulfill its obligations and the bank is forced to apply them to it for non-payment.

Credit debt repayment schedule rules - Sample table

If you focus on the form of a credit debt repayment schedule, it depends on the type of liabilities, for the repayment of which it was formed. In this case, the rules will work that the parties discussed in the process of studying the contract or directly secured on paper for signatures of the Parties. By drawing up a schedule, the transaction participants can act logically so that the document is clear and understandable to understand. In particular, the debtor, reading the schedule, should interpret it uniquely, without ambiguity, clearly understanding that he was required and for what time.

The schedule must have a tabular view where the following categories may be displayed:

The amount of payment, which for the convenience of understanding can be divided into the body of the loan (main amount) and interest on it
payment date

If the schedule is an integral component of the loan agreement, then under it, both parties should be signed. The agreement must have a corresponding clause about this, and if the order of repayment of debt has undergone changes, then it is necessary to make a new schedule, which is becoming legal effort after signing by its parties. Participants in the repayment of debt on the loan signed due to violation of the terms of the contract of delivery, have the right to use a sample of debt repayment schedule:

The amount of payment in the chart may contain two columns: on it. This table may be included in the loan agreement and when the parties sign its schedule is printed and transmitted to the consumer.

If you lost the repayment schedule of credit debt, then you can get it secondally in the bank at any time. When signing the Agreement, the credit funds assumes all obligations, and the debt repayment schedule is drawn up as an application and is an informative nature, what amount and when it is required to enter the bank's account.

Important! Before you pay the amount specified in the chart, you need to carefully read all the sections of the loan agreement, as they may be incomprehensible for a simple alignment (but contain items for which it will have to pay the borrower). If something is incomprehensible - boldly require clarifications of bank employees. It will also not be superfluous and compared the amounts listed in the chart with registered contractual conditions.

Know that putting a signature under the credit contract, you automatically agree to all the terms of the contract and accept the schedule with the amounts and terms of payments. The latter may include hidden commissions for some services.

Explore all the items of the contract: since even in the case of a loan debt repayment schedule is not part of the contract and compiled with errors (the sums are overestimated and you did not report it), then you will still have to pay the specified amount exactly on time, since The contract you signed the personally, that is, agreed with all the conditions.