I found a workaround that seems to be working for me, I also added ticket FINERACT-2523.
Regards, Piotr On Mon, Mar 2, 2026 at 3:22 PM Piotr Wargulak <[email protected]> wrote: > PS: > This also means, that when I make just a 0.01 overpayment, the system will > recalculate the EMI for the next installments, reflecting the changed rate. > > On Mon, Mar 2, 2026 at 1:23 PM Piotr Wargulak <[email protected]> > wrote: > >> Hello, >> >> I have an issue with how the schedule recalculates after linked Floating >> Rate changes in a Loan with a Cumulative schedule. >> I'm wondering if this is intended behaviour or if there are other >> configuration options that can change it. >> >> In short, a Loan with: >> Cumulative schedule; >> Equal installments; >> Declining Balance; >> Partial Interest Calculation allowed; >> Interest recalculation enabled; >> Interest recalculation - Advance payments adjustment type: *Reduce EMI >> amount*. >> >> Two operations now occur on the Loan, and Finertact handles them as >> follows: >> 1. The installment is overpaid. The next due installment is >> recalculated to cover the entire overpayment, the schedule is recalculated, >> the later installments are all equal to new EMI. >> 2. The interest rate change. The installments after the change are >> recalculated *but* the original EMI remains; only the last installment >> changes. >> >> I expected that *both* operations would change the EMI for later >> installments. >> >> The advance payments adjustment type (Reduce EMI amount) doesn't seem to >> affect the schedule recalculation resulting from an interest rate change. >> Before diving into a 3k loc class, I thought I would ask if anyone can >> give me some pointers. >> >> Best regards, >> PiotrW >> > -- * SolDevelo* Sp. z o.o. [LLC] / www.soldevelo.com <http://www.soldevelo.com> Al. Zwycięstwa 96/98, 81-451, Gdynia, Poland Phone: +48 58 782 45 40 / Fax: +48 58 782 45 41
