Software update 02/19/2018
** 1. A column with fees has been added to the reports.**
** 2. A new field in the loan application - Signing date**
** 3. Increase in the maximum number of characters for the name of the Loan Purpose**
**4. The possibility to use the interest rate in case of delay to calculate the Effective Cost of a Loan under the contract, has been added.**
If the contract in this field is marked YES and the Interest rate when the delay is not zero, then when calculating the Effective Cost of a Loan by the contract, a schedule is created taking into account the delay interest rate and the Effective Cost of a Loan is calculated according to this schedule.
**5. The functionality for automatically creating a share contract (with the attribute additional) when creating a client. Immediately after the creation, the process of "Accepting a zero-sum share" is performed.**
A new constant has been added.
**6. The new moment of accrual of the fee - When issuing for the last tranche**
**7. A constant to regulate the automatic write-off of overpayments on repayment has been added.**
** 8. The new document and the type of process Transferring the overpayment to the additional share**
**9. New document and process type Transferring additional share to prepayment of interest**
**10. The setting "Do not charge first weekend's fines" now also applies to repayments that fall on public holidays.**
**11. The possibility to use deferral before applying the overdue interest rate has been added. Also, a setting that regulates the return to the regular interest rate after the repayment of the delay has been added - from the beginning of the next tranche, or from the next day after the repayment of the delay.**
New fields have been added to the credit product:
** int delinqIntRateDelay; ** // *Number of days before switching to the late payment rate*
** boolean useDelinqIntRateTillNextTranche; ** // * Return to the regular interest rate from the next tranche after repayment of the delay*
If the field delinqIntRateDelay shows 0, the delay interest rate is used from the first day of accrual of interest on the tranche (if there is a delay for previous tranches), otherwise, the normal interest rate will continue to apply from the beginning of the tranche for the specified number of days.
If the field useDelinqIntRateTillNextTranche = YES (true) - the return to the normal rate after the repayment of the delay will be from the beginning of the next tranche, if NOT (false) - from the next day after the repayment of the delay.
** Return to the regular interest rate from the next tranche after repayment of the delay - YES**
**Number of days before switching to the delay interest rate - 0**
That is, in this case, the transition to the increased rate takes place from the first day of delay and the return to the preferential rate will be from the first day after the borrower repays the current debt.
If the parameter **Returns to the regular interest rate from the next tranche after the repayment of the delay** - specify **NO**, then the return to the preferential rate (in case of repayment of the delay) will take place from the next tranche.
**12. When the schedule is recalculated, a new schedule is now created for the remaining amount (and therefore includes only future tranches)**
**13. Increase in the maximum number of characters for storing the name Pledge type**
**14. Increase in the maximum number of characters for storing the client's field "Form of education"**
**15. Processes: Discounting, Calculation of the IFRS rate, Regular reserve, the IFRS reserve is relocated to contract adjustments**
** 16. Module "Graph of the decision-making system"**
** 17. The logic of substituting the passport mask from the document type**
**18. The functionality for selecting the purpose of lending from the credit product has been created**
** 19. The interface displays a report on sent Email messages**
** 20. Visual manual checks (check list in the DMS)**
** 21. The button Print at the Federal Bailiff Service's check**
**22. Output of the date and time of the Federal Bailiff Service's request**
**23. The new interface version 3.0 has been installed**
** 2. A new field in the loan application - Signing date**
** 3. Increase in the maximum number of characters for the name of the Loan Purpose**
**4. The possibility to use the interest rate in case of delay to calculate the Effective Cost of a Loan under the contract, has been added.**
If the contract in this field is marked YES and the Interest rate when the delay is not zero, then when calculating the Effective Cost of a Loan by the contract, a schedule is created taking into account the delay interest rate and the Effective Cost of a Loan is calculated according to this schedule.
**5. The functionality for automatically creating a share contract (with the attribute additional) when creating a client. Immediately after the creation, the process of "Accepting a zero-sum share" is performed.**
A new constant has been added.
**6. The new moment of accrual of the fee - When issuing for the last tranche**
**7. A constant to regulate the automatic write-off of overpayments on repayment has been added.**
** 8. The new document and the type of process Transferring the overpayment to the additional share**
**9. New document and process type Transferring additional share to prepayment of interest**
**10. The setting "Do not charge first weekend's fines" now also applies to repayments that fall on public holidays.**
**11. The possibility to use deferral before applying the overdue interest rate has been added. Also, a setting that regulates the return to the regular interest rate after the repayment of the delay has been added - from the beginning of the next tranche, or from the next day after the repayment of the delay.**
New fields have been added to the credit product:
** int delinqIntRateDelay; ** // *Number of days before switching to the late payment rate*
** boolean useDelinqIntRateTillNextTranche; ** // * Return to the regular interest rate from the next tranche after repayment of the delay*
If the field delinqIntRateDelay shows 0, the delay interest rate is used from the first day of accrual of interest on the tranche (if there is a delay for previous tranches), otherwise, the normal interest rate will continue to apply from the beginning of the tranche for the specified number of days.
If the field useDelinqIntRateTillNextTranche = YES (true) - the return to the normal rate after the repayment of the delay will be from the beginning of the next tranche, if NOT (false) - from the next day after the repayment of the delay.
** Return to the regular interest rate from the next tranche after repayment of the delay - YES**
**Number of days before switching to the delay interest rate - 0**
That is, in this case, the transition to the increased rate takes place from the first day of delay and the return to the preferential rate will be from the first day after the borrower repays the current debt.
If the parameter **Returns to the regular interest rate from the next tranche after the repayment of the delay** - specify **NO**, then the return to the preferential rate (in case of repayment of the delay) will take place from the next tranche.
**12. When the schedule is recalculated, a new schedule is now created for the remaining amount (and therefore includes only future tranches)**
**13. Increase in the maximum number of characters for storing the name Pledge type**
**14. Increase in the maximum number of characters for storing the client's field "Form of education"**
**15. Processes: Discounting, Calculation of the IFRS rate, Regular reserve, the IFRS reserve is relocated to contract adjustments**
** 16. Module "Graph of the decision-making system"**
** 17. The logic of substituting the passport mask from the document type**
**18. The functionality for selecting the purpose of lending from the credit product has been created**
** 19. The interface displays a report on sent Email messages**
** 20. Visual manual checks (check list in the DMS)**
** 21. The button Print at the Federal Bailiff Service's check**
**22. Output of the date and time of the Federal Bailiff Service's request**
**23. The new interface version 3.0 has been installed**