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C) Personal account...but it depends on the type of loan and the time period
A) Real Account
Because asset, liability, reserve, and capital accounts that appear on a balance sheet are real accounts.
The balances of real accounts are not cancelled out at the end of an accounting period but are carried over to the next period. Also called permanent accounts. See also nominal accounts.
From the fundamentals of accountancy: Bank loan accounts for customer is personal account and for banks it is a Real account
D) Real Account
Accounting equation is Capital+Liabilities=Assets
Capital is represent the owners of the business therefore is a personal account.
Liabilities imply the amounts owe to others (person or organization) and thus are personal account.
All Assets are real account.
So. Answer is personal account.
The Bank loan account is (a) Real account since this will be reflected in the balance sheet and never be a (b) Nominal account since nominal account refers to the account that is being closed after the accounting cycle (e.g interest expense) and maybe a (c) Personal account and (d) Current account since it could be avail by any entity and could be current or non-current. So the answer woild be letter A. Real Account.