[kde] [Bug 507303] New: Feature Request: Interest-only Loan Support with Final Balloon Payment

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https://bugs.kde.org/show_bug.cgi?id=507303

            Bug ID: 507303
           Summary: Feature Request: Interest-only Loan Support with Final
                    Balloon Payment
    Classification: I don't know
           Product: kde
      Version First unspecified
       Reported In:
          Platform: unspecified
                OS: Other
            Status: REPORTED
          Severity: normal
          Priority: NOR
         Component: general
          Assignee: unassigned-bugs at kde.org
          Reporter: bn.dhilipkumar at gmail.com
  Target Milestone: ---

Hi KMyMoney team,

First of all, I want to say you've done an amazing job building such a powerful
finance tool. I'm not a developer—just a small business owner trying to manage
personal and business finances better. I asked ChatGPT to help me draft this
request, and I hope it represents a common use case that many small business
owners like me face.

 Feature Description:

I'd love to see support for a simple loan structure that is quite common in
India and many developing countries:

    Interest-only monthly payments for a fixed period

    Balloon payment of the entire principal at the end of the term

📌 Why This Matters:

Currently, KMyMoney assumes every loan is paid with a portion of both principal
+ interest in each installment (like EMI-based loans). But in real-life
scenarios, especially with informal or business loans, many people:

    Take a loan (e.g., ₹1,50,000)

    Pay only monthly interest (e.g., ₹3,000/month)

    Repay the full principal (₹1,50,000) later in one shot when they have cash

There’s no direct way in KMyMoney to model such a loan without faking the data
or manually tracking balloon repayment and missed interest payments.
✅ Requested Features:

    Add an option to set a loan as “interest-only”

    Ability to input:

        Loan amount

        Monthly interest payment

        Balloon payment date

        Optional missed payment tracking

    Reflect interest payments in reports and ledgers

    Dashboard widget: "Total Outstanding Balloon Principal"

Again, thank you for your work. Adding this kind of feature would make KMyMoney
even more accessible and useful for non-technical users like me. 🙏

Best regards,
Dhilip Bobba
(Small business owner, India)

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