EL-8688 - Getting issue details... STATUS
Current Date - suggestion: Repayment Date
И тут у меня вопрос - вот эта разбивка на прошлое и будущее она идет между датой, когда мы вносим в систему (Current date) или фактической датой платежа (Repayment date)? Пока что везде пишу, что это Current date
Simple Payments
Initial Payment: Is only applicable for payments in the Awaiting for Initial Payment status
Pay off Amount: The repayment amount is enough to pay off the principal and all the interests and fees as of the current date and used for this purpose.
Other payments
(это просто описание для понимания, и чтобы проверить, что я верно поняла)
Repayments not aimed neither for the Initial Payment nor for Pay off can be used for different purposes. The list of purposes and their order is defined for each Repayment Mode.
System tries to cover the purpose 1.
If the transaction amount is less than the amount required to pay for the purpose 1, it is covered in part.
If the transaction amount is more than the amount required to pay for the purpose 1, the system will go on and use the available repayment amount to pay for purpose 2, etc.
Repayment Steps List
current name: RepaymentStepsKit
suggested screen name: Repayment Allocation Order
suggested description: Ordered list of purposes for which repayment shall be used.
suggested info hint: System tries to pay-off the purposes in the list in their order. If the available repayment amount is more than the amount required for the purpose, it will be used for the next purpose. If at any step, the available repayment amount is less than the amount required to pay for the purpose, it is payed in part.
PastDueDebtStep
suggested screen name: Past Due Debt
suggested description: Available repayment amount is used to pay off the debt that is owed on the Repayment Date.
EarlyPayCurrentDebtStep:
suggested screen name: Current Installment Fees and Interest
suggested description: Available repayment amount is used to pay off interests and fees due for the current installment on the Repayment Date
RemainingCurrentPrincipalStep
suggested screen name: Current Installment Principal
suggested description: Available repayment amount is used to pay off the principal due for the installment actual for the Repayment Date
suggested info text: Amount payable for the installment that has started and has not finished before or on the Repayment Date
CurrentDebtStep
suggested screen name: Current Installment Full
suggested description: Available repayment amount is used to pay off the principal, fees and interests due for the whole installment actual for the Repayment Date
suggested info text: Amount payable for the installment that has started and has not finished before or on the Repayment Date
PayOverpaymentStep - ???
RECALCULATION AND BALANCING
CurrentRecalculateStep
suggested screen name: Recalculate Installment
suggested description: Recalculate fees and interest for the installment
suggested info text: Apply the step after Current Installment Principal or Current Installment Full to recalculate outstanding fees and payments for the installment. Don't add the step to keep the initial payment schedule.
RemainingRecalculateStep
suggested screen name: Recalculate Loan
suggested description: Recalculate the loan schedule
suggested info text: Apply the step to recalculate the loan schedule if the repayment amount was used for any early payments.
Options:
suggested selector info text: Decide how the payment schedule shall be updated if the total due amount is changed.
Option 1
Current name: Keep initial value
Suggested name: Reduce number of payments
Suggested hint: Installment amounts stay the same, but their number is reduced to match the new amount.
Option 2
Current name: Recalculate always
Suggested name: Reduce payments
Suggested hint: Loan payment schedule stays the same
Copy Evgen:
Repayment mode -- Repayment logic / Repayment priority
Hint: Select one of pre-configured repayment logics or create your own repayment allocation order for distributing the funds received from borrowers.
Availability
Hint: If you choose Back – only your staff can log repayments. If you choose Front – borrowers can do it themselves.
Steps hint: Prioritize or remove steps of the repayment mode in a way that reflects the order in which you’d like to cover what is owed to you including all the fees, interest, and principal of the loan.
Initial payment
Covers any fees accrued before the 1st installment begins.
Past due debt
Cover the overdue payments missed in the past starting with the fees.
Current debt early payment
Covers the fees and interest accrued as of the repayment time in the current installment. Doesn’t include principal.
Current principal early payment
Covers the principal debt accrued as of the repayment time in the current installment.
Recalculate current installment
Recalculates the sum owed within the current installment. This affects the fees and interest to be accrued as they are based on the reduced principal.
Current debt
Covers the current installment amount on the due date. The fees and interest are repaid first.
Overpayment
Covers the remaining principal of the loan if the payment exceeds the amount owed in the current installment.
Remaining recalculate step
Recalculates all future installments if there has been an overpayment which reduced the principal.
Future debt
Covers upcoming installments starting with the next one without recalculating the schedule.
Future debt reversed
Covers upcoming installments starting with the last one without recalculating the schedule.
Payoff
Standard payoff of the whole loan.
Special fees
Covers all the accrued special fees in the specified order.
Postponed fees
Covers all the postponed fees in the specified order.