Capital Amounts 

Definition

Capital amounts characterize a contract as at a certain calculation key date.

The system differentiates between contract-based capital amounts, flow-based capital amounts and derived capital amounts. Contract-based capital amounts result from the conditions and the loan data. Flow-based capital amounts are calculated using the flows. Derived capital amounts result when you total flow-based and contract-based capital amounts or calculate the difference between them.

Structure

Contract-based capital amounts

Commitment capital for the first fixed period

Contract capital minus the reduction for all fixed periods

Capital for the current fixed period - the total of the remaining capital and the disbursement commitment at the start of the fixed period

Total partial waivers for the commitment capital in the current fixed period

Flow-based capital amounts

Total posted disbursements, taking any capital transfers into account

Unscheduled repayment for which a debit position has been generated - an unscheduled repayment can be generated as a condition or entered manually using an application function

An unscheduled repayment with a corresponding incoming payment - an unscheduled repayment can be generated as a condition or entered manually using an application function

Condition-based loan repayment for which a debit position has been created - the repayment can be an annuity repayment, instalment repayment or payment of the full amount upon maturity

Condition-based loan repayment with a corresponding incoming payment - the repayment can be an annuity repayment, instalment repayment or payment of the full amount upon maturity

Derived capital amounts

Current contract capital minus the value-dated capital

Value-dated capital minus all the repayment debit positions, plus the capitalized interest

Debit position for the remaining capital without price gains and discount (for example borrower's note loans with net posting)

Value-dated capital minus all the repayment incoming payments, plus the incoming payments for capitalized interest