There are three repayment modes that are by default available for any credit product in the system.

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Initial Payment Mode

This mode is available by default and has one step: all the funds are used to pay the initial payment.

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Pay-Off Mode

This mode is only available to pay off the principal and all the interest and fees as of the current date and is used for this purpose.

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Regular Payment

This mode simulates the most regular allocation of funds.
It starts with payment of all the past dues, then covers fees and interest for the current installment, proceeding to its principal. After that, the installment is recalculated and its due debt (if any) is paid. After that future principal is paid, and future installments are recalculated.

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