Mt khon vay u t d n ca 1 KH vi cc thng tin sau: ( VT: Ngn ng)

1. Thng tin v d n u t:
* Chi ph u t vo TSC ca d n:
- CP xy lp, h tng, nh xng: 4.524.630
- CP thit b sn xut:
2.017.995
- D phng chi ph:
500.000
- CP khc:
457.375
* Chi ph sn xut trong nm th 1 ( Cha bao gm khu hao TSC)
-

CP nguyn vt liu:
3.290.780
Tr lng v cc khon theo lng: 1.103.806
CP sn xut chung:
405.050
CP bn hng:
922.350
CP qun l doanh nghip :
278.014

2. Sau khi thm nh, ngn hng ng ti tr 2 khon tn dng cho d n ny:
- Khon tn dng 1: Cho vay u t vo TSC ca d n, mc cho vay 70% nhu cu
vn u t ca d n ( Khng bao gm chi ph d phng)
- Khon tn dng 2: Cho vay b sung vn lu ng trong nm 1, mc cho vay 40%
nhu cu vn lu ng trong nm
YU CU:
1. Xc nh tng vn ca d n, s tin cho vay vo TSC ca d n, s tin cho vay
b sung Vn lu ng nm 1. Bit rng KH hi cc iu kin lin quan n khon
vay ny.
2.Tnh tin li vay n hn ca khon cho vay u t vo TSC. Bit rng, vic gii ngn
c thc hin thnh 4 t:
- t 1: 11/2/2013 S tin 1.691.300
- t 2: 12/5/2013 S tin 810.400
- t 3: 21/7/2013 S tin 770.200
- t 4: 19/9/2013 S tin cn li
D n c nghim thu a vo hot ng ngy 17/11/2013
Li vay thi cng c thu mt ln vo ngy 18/11/2013
3. iu kin cho vay trong hp ng cho vay u t TSC nh sau
- Thi gian thu n: 5 nm
- Thu n theo nh k 6 thng
- Thu n theo phng thc k khon c nh

Xc nh s tin phi thu i vi KH mi k hn?

4. Khon vay ngn hn b sung v lu ng c gii ngn vo ngy nghim thu d
n. Tnh tng s tin phi thu i vi khon vay ny vi thi im o hn bit rng
thi hn cho vay b sung vn lu ng l 1 nm.
TI LIU B SUNG:
-

LSCV ngn hn: 12%/ nm

LSCV trung di hn: 14%/nm
Tin li tnh theo ngy
C s tnh li: 360 ngy/nm
Vng quay vn lu ng d kin trong nm u l 4 vng