[Kmymoney-devel] Disallow creation of loan accounts with 0% interest rate

[Jack]

On 2010.07.27 19:15, Alvaro Soliverez wrote:
> On Tue, Jul 27, 2010 at 5:39 PM, Jack <ostroffjh at sbcglobal.net> wrote:
> > On 2010.07.27 16:11, Alvaro Soliverez wrote:
>>> while porting the loan wizard, this issue came up again. If you  
>>> feed the correct data into the fields, you can have the wizard  
>>> calculate a 0% for a loan account. However, that brings some issues  
>>> later on, as this situation is not comtemplated. The usual advice  
>>> is to use a liability or asset account.
>>> Should we just disallow the creation of a 0% interest rate loan or  
>>> do we deal with the issues that arise from that?
> >>
>>> Disallowing creation is quicker, particularly at this stage so  
>>> close to release.
> >
>> As I am one of the people who originally complained about this, I  
>> would certainly prefer to have it be able to deal with a 0% loan.  
>>  However, given the realities of timing, I'm perfectly happy to have  
>> it refuse to do a 0% loan, as long as the error message is more  
>> explicit (something like "KMyMoney does not allow loan accounts with  
>> 0% interest.  In this case, please use a plain liability account and  
>> manually create the schedule for payments.")  I think I put this in  
>> the FAQ, although I realize now I did not add it to the section on  
>> creating new loans.
> >
>> It sounds like there are several enhancements to loans that are on  
>> the list for after this release (I have another one myself that I  
>> have not yet posted) so I think it is reasonable to keep the current  
>> changes to the simplest and least likely to cause problems, and  
>> defer the other changes (including 0%) until later.
> 
> I propose working to make the current situation consistent (ie. not  
> allow 0% loans). Then, after the release, drop the constraint and fix  
> the remaining issues.
> We are in string freeze, so we should get approval for the string  
> change (not sure if it will pass, since we can get by with the  
> general warning message we have now, even if not the best  
> explanation).

Actually, my proposal would be an additional warning against a 0% rate,  
which would be different from the existing warning about mismatch  
values.  Given the string freeze, and how long this has been the state,  
I would be OK without changing the warning or adding a new one.   
However, if you let KMM calculate a 0% rate, right now there is no  
error message at all, and simply triggering the old message in that  
case is really wrong, since there is no mismatch.  Would it be better  
to change the current messae to "You have entered mis-matching  
information or requested a 0% interest rate.  Please modify your  
figures or leave one value empty to let KMyMoney calculate it for  
you."  or to add a separate message about the 0% rate?