Key date

Date on which the system calculates the capital amounts The key date is the same as the To Date entered.

Next installment

Amount that is or was to be paid on or after the key date as the next Receivable Installment.

Next payment

Date of the next installment

Interest percentage each day

Interest each day divided by the calculation basis amount on the key date

Interest per day

Interest amount on the key date

Contract currency

Interest currency

Contract capital

The committed limit of the contract.

Current contract capital

Amount that corresponds to the contract capital, taking into account all capital reductions and capital increases whose value date is not after the key date.

Commitment capital

Amount for which the bank and account holder have a binding agreement for a fixed condition period.

Current commitment capital

Amount that corresponds to the commitment capital, taking into account all capital reductions and capital increases whose value date is not after the key date.

Disbursed capital

Total of posted and planned disbursements whose value date is not after the key date.

Disbursement obligation

Amount resulting from the difference between the current contract capital and the disbursed capital.

Available amount

Amount that an authorized drawer can withdraw freely from an account.

Available amount without tolerated limit

Amount that an authorized drawer can withdraw freely from an account.

Interest calculation capital

Total of all posted disbursements plus posted, capitalized interest, charges, and insurance less posted repayments The system calculates the posted repayments as follows:

Planned capital

Total of all scheduled disbursements plus scheduled , capitalized interest, charges, and insurance less scheduled repayments The positions can be posted and paid already. The system supports planned capital only for loans that use the payment plan principle. The system calculates and displays the planned capital dependent on the working rule of the product.

Remaining capital

Total of all posted disbursements plus posted, capitalized interest, charges, and insurance less posted repayment settlements The positions can be paid already. The system supports remaining capital only for loans that use the payment plan principle. The system calculates and displays the remaining capital dependent on the working rule of the product.

Effective capital

Total of all posted disbursements plus posted, capitalized interest, charges, and insurance less paid repayments

The system calculates the paid repayments as follows:

To make the repayment share of an installment payment immediately visible in the effective capital, the system executes a settlement simulation when calculating the effective capital. The system executes the settlement simulation up to the date on which incoming payments exist already. Settlement simulation includes interest-, charge-, and insurance capitalizations. It is executed without payment simulation.

Incurred interest for the current month

Posted interest plus the pro rata interest not yet posted for the analysis period from the first day of the key date month until the key date.

Incurred interest for the current year

Posted interest plus the pro rata interest not yet posted for the analysis period from the first day of the key date year until the key date.

Posted outstanding interest for the current month

Interest to be paid minus the paid interest for the analysis period from the first day of the key date month until the key date. The system includes the turnovers of Interest to Pay posted by the settlement minus the posted and paid interest, that is the turnovers of Interest Paid (Cleared with Installment Payment) or Interest Payments (Planned Principle). The turnovers of Interest to be Capitalized are not included in the calculation. Prepayments made for interest reduce the amount of outstanding interest.

Posted outstanding interest for the current year

Interest to be paid minus the paid interest for the analysis period from the first day of the key date year until the key date. The system includes the turnovers of Interest to Pay posted by the settlement minus the posted and paid interest, that is the turnovers of Interest Paid (Cleared with Installment Payment) or Interest Payments (Planned Principle). The turnovers of Interest to be Capitalized are not included in the calculation. Prepayments made for interest reduce the amount of outstanding interest.

Settled interest

Posted interest for the period being considered from the contract start date to the key date. The turnovers of Interest to be Capitalized are included in the calculation. Unposted interest is not included in the calculation.

Paid interest

Amount of paid interest from start of contract to the key date that has posted status.

Outstanding interest

Interest to be paid minus paid interest The system includes the posted and proportional, not yet paid turnovers of Interest to Pay posted by the settlement minus the posted and paid interest, that is the turnovers of Interest Paid (Cleared with Installment Payment) or Interest Payments (Planned Principle). The turnovers of Interest to be Capitalized are not included in the calculation. Prepayments made for interest reduce the amount of outstanding interest.

Accrued interest, not settled

Interest that the system has not yet posted, for the analysis period from the contract start until the key date.

Incurred interest on arrears, not settled

Pro rata interest on arrears that the system has not yet posted, for the analysis period from the contract start until the key date. The system supports accrued interest on arrears only for loans that use the payment plan principle. The system calculates and displays the accrued interest on arrearsl dependent on the working rule of the product.