[kmymoney] [Bug 406131] Show actual loan amount instead of initial amunt when changing loan settings of partially payed back loan

[Thomas Baumgart]

https://bugs.kde.org/show_bug.cgi?id=406131

Thomas Baumgart <tbaumgart at kde.org> changed:

           What    |Removed                     |Added
----------------------------------------------------------------------------
           Severity|major                       |wishlist
            Summary|Loan balance reused when    |Show actual loan amount
                   |changing loan settings      |instead of initial amunt
                   |                            |when changing loan settings
                   |                            |of partially payed back
                   |                            |loan

--- Comment #5 from Thomas Baumgart <tbaumgart at kde.org> ---
I tried to duplicate this. I created a loan running for 34 months and recorded
the first 12 months with a schedule on a monthly basis. The payment was a fixed
amount of 300 each month which was split between principal and interest. The
values were changing for each payment. Everything fine.

At the end of the twelve months I decided to increase the monthly payment (as
in your example). Here's what I did: 

I started the loan editor and changed the following things:

- set the number of payments to 0 (which will force to calculate it)
- increase the monthly payment to 350 and
- set the baloon payment to 0.

Then calculate the loan which reduces the number of payments to 29 and leaves a
different baloon payment (in my example). Finish the editor. This will update
the schedule.

The next payment I recorded came in with 350 as sum and a higher prinicpal.
Interest was a bit smaller than in the payment before which is ok. I did not
change the interest rate

It seems a bit confusing to see the initial amount of the loan but it does not
hinder to change the values and the calculations are done right after the
change.

So I turn this into a wish list item to improve the loan editor to use the
current balance as loan amount to reflect the actual situation.

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