Help for ‚Repayment’

Program to calculate credits, installments, interest rates, loans ... with many options. Possibility to print a repayment schedule and a result sheet.

Menu Items:

File

Edit

Base Forms

View

Tables

Print

Extras

File                       

New:

Opens a new Repayment record.

Open Database:

Opens a new Repayment database.

Save:

Saves the actual record.

Delete:

Deletes the actual record.                                                                               <<Top>>

Close:

Closes the actual window.

End:

Finishes the program.

Edit:                                                                                                     <<Top>>

Cut:

Deletes the selected text and copies it into clipboard.

Copy:

Copies the selected text into clipboard.

Paste:

Pastes the text from the clipboard to a textbox.

Select All:

Selects the whole text in a textbox.

Undo:

Undoes the last text operation.

Base Forms:                                                                                                     <<Top>>

Repayment:

This is the form where you can do all your calculations.

Input Fields (register card calculation):

Capital:

Corresponds to the amount of the payment for the credit, if the charges / expenses are add. Corresponds to the total sum of the credit, if the charges / expenses in the credit sum are included. If you calculate the capital (credit) then here is no input required.

Term to maturity in months:

Interest rate p.a.:

Installment without expenses:

Balancing account expenses:

Processing charge:

Local tax office charge:

Base journal tax:

This value is the base for the calculation of the journal register tax. In the most cases you have to input here the total sum of the credit + 40%. Please note, that sometimes to the total sum of the credit the other expenses are to add.

Journal tax:

Other expenses:                                                                                                    <<Top>>

Output Fields (register card calculation):

Output fields cannot be edited. They are only for displaying results.

Option fields (register card settings):

Balancing of the account:

In which time intervals are the balances done? Yearly / half-yearly / quarterly / monthly.

Payment by installments:

In which time intervals are the paying by installments done? Yearly / half-yearly / quarterly / monthly.

Calculation:

What do you want to calculate? Installment / interest rate / term of maturity in month / credit (capital).

Installment / Rounding:

If the installment should be rounded, you can choose between to 1.- or to 10.-.

Charges / Expenses:

Should the charges / expenses be added to the capital (total sum of the credit increases, amount of the payment = capital), be included in the capital (total sum of the credit = capital, amount of the payment decreases)?

Journal Register Tax Pays:

Who pays the journal register tax: Credit. (Bank transfers from the credit sum, the journal register tax is debited from the account), client cash (the journal register tax will be not considered by the credit).

Interest days:

How much days of the year are considered in the calculation: 30 / 360 (year = 360 days, month = 30 days), cal / 360 (year = 365 days, month = 30 days).

Payment of interest:                                                                                                    <<Top>>

Options (register card settings)

Here you can define, the begin of the term to maturity as well as as the number of days per month for the calculation.

Begin of the maturity:

Input here the date of the begin of the term to maturity. If there is no begin of the term to maturity given, automatically the first of the current month and year is used. If put in another day as the first of a month, automatically the first of the month us used.

Days / Months:

This option field gives you a decision opportunity, how the number of days / month should be used: Average (all months in a year have the same length), exact (each month will have the exact number of days.; e.g. Jan=31, Feb=28/29, Mar=31, etc.)

Other expenses (register card other expenses)

Here you can input other, with the processing of a credit arising expenses. In all you can input here up to 8 different amounts of expenses with its comment.

Special payment (register card special payment)

Special payments are used, to amortize a special amount premature.

You can input up to 2 different special payments. Special payments are considered, if you calculate the installment !

special payment after month(s) : Please input, after how much months the special payment will be done. Please note, that the second special payment must be done after the first. The number of months always correlates to the begin of the term to maturity.

If the month is zero the input is ignored. 

Window Repayment Schedule                                                                    <<Top>>

columns:

Paying Date: Indicates, when the action will be done.                                                                   <<Top>>

Rest Capital: Displays the amount, which is to pay at the special time.

Installment: Shows the installment (incl. expenses). If you have some special payments in your calculation, they are also displayed here, but they are not separate labeled.

Interests / Expenses: Shows the interests and expenses at a specific time. Expenses always correlate to the balancing of an account.

Part of the Repayment: The part of the repayment is the difference of the installment(s) in the period of the balancing of an account less interests / expenses.

Attention: The repayment schedule itself is not be saved in the database, but only the definition. If you want to print the repayment schedule, or to display it, you have to calculate it first.

Creating (calculate) a new repayment schedule:

All new repayment schedules starts with the pressing of the key „New". So the program will be initialized and new values can be entered and a new record will be created.

Exporting of repayment schedules:

Saving: The repayment schedule will be saved in that format, which is shown in the grid. This file can be imported again by using of the button „open".

Exporting: This Button is for exporting of the repayment schedule as a text file. This text file you can import and edit in other applications like MS - Word or MS - Excel.

Calculate:

If you press the button 'calculate' the calculation starts relating on you inputs. If you inputs are not meaningful a message screen will be shown.

Print:                                                                                                 <<Top>>

Print Options:

On this screen you can input the necessary data for printing the Repayment schedule.

View:

Refresh:

If some Data have changed, because of import or input etc. you can reload all your data with this button.

Tables:                                                                                                     <<Top>>

Repayment:

If you want to see all your records in one table please use this form.

Extras:                                                                                                    

Color Settings:

With this dialog you can define a specific color for each control. If you press the default button, the controls will get the Windows default color again.

Styles:

If you want to use a picture as background for your program, please choose this dialog.

Country Settings:

This time the repayment software runs with two languages: German and English. Please use this dialog to set your language.

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