INITIAL DIRECT COSTS OF DIRECT FINANCING LEASES
(A summary of FAS 91-- as it relates to initial direct costs)

  •   Initial direct costs should be debited to the gross investment in the lease (lease payments receivable) FAS 91,¶ 25
  • The net investment in the lease should include the unamortized portion of the initial direct costs  FAS 91, ¶ 25 d, c
  • The effective interest rate should be applied to the net investment at the beginning of the year to determine the amount of interest income to recognize.
  • The implicit rate of interest should be applied to the net investment excluding the initial direct costs to determine the amount of unearned interest income to amortize.
  • The difference between (3) and (4) above will be the amount of initial direct costs to amortize each period.


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