[kmymoney] [Bug 444089] New loan account without existing payments has no opening balance

[Thomas Baumgart]

https://bugs.kde.org/show_bug.cgi?id=444089

Thomas Baumgart <tbaumgart at kde.org> changed:

           What    |Removed                     |Added
----------------------------------------------------------------------------
             Status|REPORTED                    |RESOLVED
         Resolution|---                         |NOT A BUG

--- Comment #1 from Thomas Baumgart <tbaumgart at kde.org> ---
Short answer: this is expected behavior.

Reason: if you select to track all transactions then the initial payout
transaction is one of them. If you suppress to generate this in the course of
setting up the loan account then no transactions will be in the loan account.

Suppose you have three accounts: C your checkings accounts filled with some
money, L a loan account and V an asset account to represent the value of the
vehicle you want to buy. Let's say, the vehicle costs 10.000 and your checkings
account can afford to pay 3.000 of that. For the remaining 7.000 you get a loan
and create a loan account. The following transactions will reflect that:

Balances before:
C: 4.000
V: 0
L: 0

Transactions (cash and loan payout) :
C -> V: 3.000
L -> V: 7.000

Balances after:
C: 1.000
V: 10.000
L: -7.000

In case you don't track all transactions L has already a balance which is the
so called opening balance. The counter account for it is the opening balances
equity account so that your books stay balanced. The same applies for your
asset account.

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