Operation "Recalculation with Annuity Change"

Operation "Recalculation with Annuity Change"

The "Recalculation with Annuity Change" operation is performed for partial early repayment - the monthly payment amount is reduced and the schedule is recalculated.

This operation is performed only on the scheduled repayment date.

For this operation to execute correctly, the loan product must have the correct settings configured:

1. Prepayment offset method - Interest, Principal until end

2. Schedule recalculation on the scheduled payment date

In constants, you need to specify the minimum amount for schedule recalculation:

3. Minimum principal discrepancy for schedule recalculation.

To run this operation, you need to go to the contract, adjustments menu, select the required operation, specify the date, time and start the process.

Example:

The client took 500,000 rubles for 12 months. scheduled payment schedule

In the first month, they paid 150,000 rubles. On the repayment date of the first tranche, the "Recalculation with Annuity Change" operation was launched

After launching the operation, the scheduled payment schedule

In the detailed breakdown, you can view all operations for this process