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Kas ettevõte tohib anda laenu eraisikule?

Published on: Published in: Veebipäringud

Kas ettevõte tohib ja kui jah, siis mis tingimustel anda laenu eraisikule?

Tere,
Kas ettevõte tohib anda (kui jah siis mis tingimustel) laenu eraisikule? Eraisik ettevõttega mitteseotud, küll aga ettevõtte omanik tunneb laenusaajat. Millised on laenutingimused (intressimäär)? Kas ettevõttele kaasneb sellega ka mingisugune maksukohustus?

Aitäh vastuse eest!

Vallaste ja Partnerid Blog

Vastus:

Osaühing ei või laenu anda oma (suur)osanikule ja juhtimisorgani liikmele. Samasugune laenukeeld kehtib ka aktsiaseltsi suhtes. Muid laenuandmise piiranguid ettevõtjail ei ole. Laenu andmine ei too kaasa mingeid maksukohustusi (ka laenukeelu rikkumise korral), kui laen anti mõistlikel tingimustel, st tähtaeg peaks olema mõistuspärane ja intress võrreldav turutingimustega. Intressimääraks võiks võtta euribori ja mõistliku kasumimäära summa. Tänane euribor on 1-aastase laenu puhul 0,5% ja mõistlikuks kasumimääraks võiks pidada 5%. Tuttavale võib anda ka odavamalt, kuivõrd tema usaldusväärsus on teada.

Vallaste ja Partnerid vastab Teie küsimustele. Maksud ja raamatupidamine.

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