Hi Flavio,

Your bank account "Opening Balance" is as of the beginning of this year, which 
includes the real estate purchase transactions from before that date. If you 
want to include those transactions explicitly, then you need to change your 
opening balance to remove their effect.

Alternatively, you can make your down payment from your "Owner's Equity", 
instead of your bank account, which is an accurate reflection of reality 
anyway. The difference between the asset value of the apartment and the 
liability of the loan is your equity. A+L+E = 0;  Asset(Apartment value) + 
Liability(Mortgage balance) + Equity(Sum of payments to principle) = 0
-- 
Chris. 

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