Discount generally refers to financial discount, which means that among the interest of bank loans, the borrower is responsible for paying part of the interest and the other part is subsidized by the government. This part of the subsidy interest is called discount.

What do you mean by discount? What is a discount loan?

Discounting is an act of converting forward currency into cash. For example, if you have an acceptance certificate or time deposit certificate due in three months, and you need to use cash now, you can change it into cash. However, if the person who accepts it loses interest for three months, the interest loss will be deducted from the cash given to you. Then, the negative interest you pay on the deposit is discount (equivalent to "loan interest", which is just a folk saying). The negative interest discount loan you need to bear is the policy discount business of personal housing guarantee loan (hereinafter referred to as discount), which refers to the commercial personal housing loan issued by the housing provident fund management center in cooperation with relevant commercial banks. According to the amount of interest subsidy that borrowers can apply for, the center will give interest subsidies to borrowers who meet the requirements of the center. All procedures related to discount interest business are entrusted to commercial banks or their entrusted law firms, and borrowers do not need to apply to the loan center by themselves.

What do you mean by "discount"?

What are discounts and offers? What is a discount? The holder transfers the bill to the bank for cash by paying certain interest before the bill expires. A form of bank loan. Discount refers to the transfer of the bill to the holder, and the monetary funds prepaid to commercial credit are recovered in advance; For discount companies or banks, it is to provide bank credit to ticket holders. Banks set the discount rate according to the market interest rate and the credit degree of bills, and calculate the discount interest from the discount date to the maturity date of bills. Discount interest = bill denomination × discount rate × bill term. After paying the interest, the holder can get the cash equal to the balance of the face value minus the discount interest from the bank, and the ownership of the bill belongs to the bank. When the bill expires, the bank will cash the drawer with the bill, and if it is rejected, it can ask the endorser for the fare. According to different levels, bill discount can be divided into discount and rediscount. Commercial banks discount industrial and commercial enterprise bills, and the central bank rediscounts the unexpired industrial and commercial enterprise bills discounted by commercial banks, which is called rediscount or rediscount. The discount rate is formed spontaneously by the change of market capital supply and demand, and the rediscount rate is set by the central bank. Discounting bills is equivalent to short-term loans provided to holders of unexpired bills. The interest currently charged is also called discount, and the interest rate is called discount rate. Discount is the negative deposit interest deducted according to the discount rate! The term "discount" is not accurate, so we should just say "discount". Discounting is an act of converting forward currency into cash. For example, if you have an acceptance bill or time deposit certificate due in three months, and you need cash now, you can change it into cash. However, if the person who accepts it loses interest for three months, the interest loss will be deducted from the cash given to you. Then, the negative deposit interest you pay is the negative interest you need to bear when discounting (equivalent to "loan interest", but there is no "loan interest" in interpersonal communication. Quote probably means, for example, next year's 1 month futures, each 32 yuan. If the payment is made now, it will be settled according to 3 1.4 yuan, in which the interest loss of early payment is considered. Accounting treatment of discount of interest-bearing commercial bills 1. Information:1In April, 1999, Company A obtained a commercial acceptance bill issued by a foreign company B, with the face value of 100000 yuan, the date of issue was April 3, and it expired on July 3, and coupon rate was 9%. Company A handed the draft to the bank for discount on May 27th due to the cash flow difficulties, and the discount rate was 7.2%. When the bill of exchange expires, because the balance in the bank deposit account of Company B is insufficient, it can't be redeemed, and the bank converts the principal and interest of the commercial bill into the short-term loan of Company A. Requirements: calculate the maturity value, discounted interest and discounted net value of the commercial acceptance bill, and prepare corresponding accounting entries. Three. Answer: 1. Calculate the maturity value of commercial acceptance bill100000× (1+9% ÷12× 3) =102250 (yuan) 2. Calculate the discount days of commercial acceptance bills (40 days plus 3 days payment period)102250× 7.2% ÷ 360× 40 = 818 (RMB) 3. Calculate the discounted net value of commercial acceptance bills102250-818 =1065438. 1432 loan: notes receivable 100000 financial expenses1432 (2) when company b fails to cash in due, the bank transfers the ticket to company a loan: accounts receivable-company b loan 102250: short-term loan102255. 4. Problem solving guidance: 1. "Discounting" means that the holder endorses the unexpired bill and sends it to the bank. After acceptance, the bank deducts the discount interest calculated according to the bank discount rate from the maturity value of the bill, and then pays the balance to the holder. Bill discount is essentially a form of enterprise financing. 2. The discount days can be calculated according to the actual days or the whole month of the opposite day. When calculated according to the actual number of days, the discount rate is converted to 360 days; Calculated according to the whole month of the other party's date, the discount rate is converted into 12 months. When calculating the actual number of days, the number of days should be calculated according to the principle of "counting the first but not the last". If the acceptor is in a different place, the transfer period should be increased by 3 days. 3. Commercial acceptance bills with interest ......

What do you mean by discount?

"Discount" is the abbreviation of "discount interest", also known as "discount". Discount fee refers to the discount interest paid by the holder to the bank for discounting the denomination; Discounted amount paid refers to the net amount of the bill minus the discount interest payable, that is, the amount actually obtained by the holder of the bill after discount. According to the regulations, the discount interest should be calculated according to the discount amount, discount days (the days from the date when the bank pays the discounted bill to the discount unit to the day before the bill expires) and the discount rate.

Edit the calculation of discount in this section.

Discount interest = discount amount × discount days × daily discount rate = monthly discount rate ÷30 Actual payment amount = face value-If the discount interest acceptor is in a different place, the discount, rediscount, rediscount period and discount interest shall be calculated with 3 days of transfer time. Loan discount refers to the small secured loans for low-profit projects that are fully discounted by the municipal finance. The borrower does not pay interest during the loan period, and the maximum discount is no more than two years. The full name of the extension is "policy discount business for individual housing loans". If you are the depositor of Beijing Housing Provident Fund Management Center system and meet the conditions of provident fund loan, you can apply for discount. The discount loan amount is determined according to the monthly deposit amount of your provident fund. The commercial bank gives you a loan, and the discount amount is the interest difference between the provident fund loan interest rate and the commercial bank loan interest rate based on the loan amount you can enjoy the discount. This part of the difference will be paid to you by Beijing Housing Provident Fund Management Center. Discount business is a powerful supplement to provident fund loans, so not all projects can apply for discount. Please consult the developer if you can apply for specific housing projects. There are many advantages for borrowers to choose discount. First of all, all the loan procedures are handled by lawyers, which can avoid you running around the provident fund management center, evaluation firm, guarantee center and loan bank. Secondly, the discount business does not need to evaluate collateral, saving you money; 3. The discount interest business is guaranteed by Beijing Housing Loan Guarantee Center, and the guarantee center has purchased property loss insurance and personal accident insurance for the borrowers of the discount interest business, so as to fully protect your interests; 4. The essence of the discount interest business is a kind of commercial loan. The lending speed is as fast as that of commercial loans, and you can also enjoy the exclusive discount of the discount interest business when paying the house price.