A. Does a DAC equipment renewal refinance loan have to be contracted before the 31st of December
Yes. According to the NDRC information, the policy requires that the loan agreement signed before December 31, 2022 and payment of the first batch of loans for the purchase of equipment, the main body of the loan can independently apply to the lending financial institutions for subsidized loans. The National Development and Reform Commission of the People's Republic of China (NDRC).
Two, rural photovoltaic power generation contract notes?
For signing the contract, we all know that the terms and conditions are not clear easy to make their own interests are damaged, and in the photovoltaic industry, it is inevitable that some photovoltaic power generation contract loopholes will also appear, bringing consumers great risk. So, what to pay attention to the signing of photovoltaic power generation contract?
First, consumers may face late repayment, or even alone to pay off a huge loan
The initial investment in purchasing a home photovoltaic power plant is not a small amount, for example, according to the market price of 10 yuan / watt price to calculate, installed 10kw power plant means that the investment of 100,000 yuan or so. Many consumers can not get so much money, photovoltaic companies will offer to bank loans to help them solve the financial problem.
There is also a so-called "free installation". This is some irregular photovoltaic company to solicit customers, in the contract with the consumer wrote, the power station is the two sides of the cooperation project, ownership and income rights for both sides **** have. PV companies will apply for a loan in the name of the consumer, but also said that they can help consumers to repay the loan.
Not only that, these PV companies will also agree in the contract that within a certain period of time (for example, 10 years), the power plant's revenue and subsidies will go to the PV company, and the consumer can get a certain percentage of the share.
After that period, another period (say 15 years), the PV company gets a higher share of the revenue and subsidies.
First of all, these PV companies may raise the contract price to get more loans from banks on behalf of consumers. Furthermore, consumers can't be sure that the PV plant installed in their homes is really the $100,000 worth of qualified plants. In addition, the power supply bureau and the Development and Reform Commission in each region issue subsidies and power generation proceeds at different times, either quarterly or semi-annually. However, the bank loan has to be repaid on time every month! If the photovoltaic company does not pay back on time, then the consumer must first advance this amount, if overdue, the consumer's personal credit will be affected, and it will be difficult to take out a loan to buy a car or a house in the future.
Secondly, the consumer's bank card may be used for illegal and criminal activities
Some PV companies will agree in the contract to allow consumers to apply for a new savings card as a special card for the PV project, which will be used as the only bank card for declaring, receiving subsidies, and receiving income from the sale of electricity.
And agreed that this card should be uniformly set the original password provided by the photovoltaic company, the card down to the photovoltaic company for safekeeping, the consumer can not do any behavior on the new card, including freezing, canceling, stopping the function of the card, change, change the transaction password.
In this model, the PV company can freely dispose of this bank card. If the PV company uses this card to carry out illegal and criminal activities such as account walking and money laundering, the holder of the bank card, that is, the consumer himself, can't get away with it! This will not only affect the consumer's credit, and even bring criminal risk!
Thirdly, consumers may not get the benefits they deserve
As I said earlier, the contract will agree that the card is held by the PV company. Since the card is not in the hands of the consumer, the consumer does not know when the earnings and subsidies will arrive.
By the time the consumer knows that the money has arrived, if the PV company deliberately delays or refuses to pay, the consumer will have to go through legal proceedings or other means to get the money back.
This is a huge investment of time, money and energy. Not to mention the impact on normal life, lawsuits are often exhausting and tiring.
Fourth, consumers have to face a high price to buy back the power plant
This contract terms will agree that in the contract period if consumers want to buy back the right to use the power plant in advance, you can according to the installed capacity multiplied by a certain amount (for example, 12,000), and then according to a certain percentage (for example, 5%), years of discounted one-time payment, and the management of the period of the photovoltaic company gained income will not be The income earned by the PV company during the management period will not be refunded.
If the PV company stipulates that it will manage a 10kW plant for 25 years, and the consumer wants to buy back the right to use it in the fifth year, how do you calculate the payment?
The PV company could calculate it this way: $12,000/kw for 10kw (1-5%)5; it could also calculate it this way: $12,000/kw for 10kw - ($5% for 20 years at $12,000/kw), or there may be other algorithms.
This agreement in the contract is ambiguous. When it is ultimately executed, the PV company will calculate it in the way that is most favorable to them, rather than using a market-accepted discounting standard.
This kind of clause is unequal for consumers!
Fifthly, consumers will bear the risk of bankruptcy and liquidation of the PV company
Since the subsidies and proceeds may not always be transferred to the consumer's card in a timely manner, and the bank repayment is much higher than the various proceeds from the power plant, it requires the PV company to advance money to pay back the bank loan first.
Under this model of not being able to make ends meet, there is a risk that the PV company's capital chain will break and lead to bankruptcy and liquidation.
Once a PV company enters bankruptcy and liquidation, according to the contract, the power plant is owned by the PV company and the consumer ****, then the power plant may be included in the bankruptcy property of the PV company, and be taken as a bank mortgage or sold.
Sixth, the sale of consumer housing may be limited
Many consumers will rent houses or self-built roofs to build power plants. This would be the case if these homes were condemned or if consumers wanted to sell them.
According to the contract, the power plant is owned by the consumer and the photovoltaic company*** In case the person who bought the house doesn't agree to continue working with the photovoltaic company, the sale of the house will be directly restricted.
For the above six cases, it is recommended to visit more neighbors and relatives who have installed photovoltaic power generation, to understand the real purchase price of the photovoltaic power plant and the real income, and to consult the power supply bureau about the relevant subsidy policy and the time of subsidy issuance in the region. You should also go to the bank to consult the relevant terms and conditions of the PV loan, and clarify the qualification of loan repayment, repayment process, repayment period, and the main body of the loan. Don't forget to check the asset status of the company, the stronger the asset strength and the larger the company, the more trustworthy it is. You can also invite your lawyer friends to help you see if there are any relevant risks in the contract, or consult with professional legal organizations in time when in doubt. Finally, take care to keep all bills, contracts, and even call records as evidence, and call the legal aid hotline promptly when you feel your interests have been compromised.
Three, March 31, Company A signed a contract with Company C, from Company C to buy equipment that does not need to be installed for the use of the management, the contract price of 60 million yuan, due to insufficient cash flow of Company A...
B
Analysis:
Fixed assets recorded amount = 2000 × 2.4869 = 49,738 (million yuan), the amount of depreciation of fixed assets in 2010 = 49,738.8 ÷ 5 × 9/12 = 7,460,700 (million yuan).