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If we use year one as an example, the beginning loan principal balance is 500, the interest added
to the account is calculated as 500 x 6% = 30, and the repayment deducted is 187.05.
As the interest is 30, then the principal repayment is 157.05 (187.05-30.00), and the ending
balance of 342.95 represents the outstanding principal balance on the loan.
Double Entry
Prepaid income and accrued expenses
Prepaid income is revenue received in advance but which is not yet earned.
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