How to make a loan at your enterprise

Successful enterprises, the rapid growth and profit of which correspond to the high level, have the right to lend their workers and subordinates. To get a loan, you must refer to the employer in writing, after - make a package of documents. According to Chapter No. 42 of the Civil Code of the Russian Federation, the enterprise cannot unreasonably provide an employee in the issuance of a loan.

If you have an acute need for free cash for the purchase of goods, real estate or movable property, for treatment or rest, you can contact a written request to give you a loan. Loans from the enterprise are uniquely the most rational version of the cash loan.

Make a statement applying. Specify the name, department or division, position, discharge or level of qualification, the amount of the loan and the timing in which we assume to return the debt.

After consideration of your appeal, in the case of approval, the head is obliged to put a "issue" stamp. After representatives of the company conclude a bilateral agreement with you. The contract must be compiled in a double instance for each participant (guided by Article No. 808 of the Civil Code of the Russian Federation). In the procedure of drawing up, coordination and signing the contract, witnesses should be attended - at least two people from the company's employees.

The content of the contract is denoted by all conditions, deadlines, interest rate, unforeseen circumstances, inflation, devaluation (at the request of the lender). In large, successful enterprises, the favorable authorities can issue an interest-free loan as a promotion or stimulation. The circumstances of early repayment are also indicated when dismissal from the position. In case of untimely repayment, controversial issues are solved in the lawsuit. The court makes a decision on the basis of the materials of the case, testimony of witnesses and accompanying circumstances. In addition to the recovery of debt from the defendant, additional compensation may be imposed for late payments.

After the compilation and conclusion of the contract in the accounting department, the corresponding decree is sent, which contains complete information on the loan: amount, deadlines and part of monthly or quarterly payments. According to the current legislation, monthly recovery under the contract may not exceed 50% of wages. If a loan recipient has minor children or alimony obligations, the percentage decreases.

You will not be able to take a loan from the enterprise if the service life is less than three months or you work on a temporary employment contract. The employer cannot register in the Treaty an overestimated interest rate on a loan, which is equal to banking and is not reasonable.