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When changing the calculation/contract parameters, if there is no payment calendar, the user will recalculate the payments using the Calculation/ button.Payment Calculation.
The Calculate Installment Payment Calculation option is displayed when if Calculate APR and , Calculate IRR and Leasing with delivery of goods = No are at the same time. If the parameters are Y, the calculation must be done performed via a financial calculator and with the creation of a payment calendarschedule. Without a payment schedule, it is not possible to recalculate the APR or IRR.
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If N, it recalculates the fields on the Calculation tab:
Annuity Excl. VAT
Insurance Excl. VAT
Service Excl. VAT
Payment excl. VAT
Payment Inclincl. VAT
And the fields in the factbox Contract Profitability
recalculates the mileage rates (see separate chapter).
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Annuity Excl.VAT (4047145)
Ak je Calculation Interest Rate % (p.a.)<>0:
Annuity Excl.VAT=PMT(Calculation Interest Rate%Rate %/number of periods per in a year by periodicity;-Financed Amount; Calculation Residual Value; Part Payment Due Date)
Ak je Calculation Interest Rate % (p.a.)=0
Annuity Excl.VAT= Financed Amount (4047245)/No.of Payments
Fee Excl.VAT (Poplatek bez DPH)
Fee Excl.VAT=Simple Fee/Number of Payments
Insurance Excl.VAT (4047205)
If the financing includes insurance as part of the instalments:
The system takes will take over the sum of term premiums from insurance contracts
If it's on Simple Insurance<>0:
Insurance Excl.VAT= Simple Insurance/Number of Payments
Service Excl.VAT (4047200)
If the financing includes services in instalments (i.e. Financing with Services=Y):
The system takes the sum of the Value into the payments from the Contract Services
If Simple Service<>0 (only for Financing with Services=N and Use Simple Service=Y):
Service excl. VAT = Simple Service/Number of Payments
Payment Excl.VAT (4047210)
The following is countedIt counts:
Payment Excl.VAT= Annuity Excl.VAT+Fee Excl. VAT+Insurance Excl.VAT+Service Excl.VAT
Payment Inc.. VAT (4047215)
It This is calculated by finding out the VAT for each item (VAT Business Posting Group and the relevant corresponding VAT posting group) and then adjusting the sum:
Payment Incl.VAT = (Annuity Excl.VAT + VAT per VAT Posting Group Principal)+
+if Use Simple Insurance=Y is on the type of sale: Insurance Excl.VAT+VAT according to VAT Posting Gr.Simple Insur.)
+if Use is Simple Insurance=N: Insurance Excl.VAT+VAT according to VAT Posting Gr.Principal)
+if Use Simple Service=Y is set to type prod.on the type of sale: Service Excl.VAT+VAT according to VAT Posting Gr.Simple Service.)
+if Use is Simple Service=N: Service Excl.VAT+VAT according to VAT Posting Gr.Principal)
+if Use Simple Fee=Y is on the type of sale: Simple Fee Excl.VAT+VAT according to VAT Posting Gr.Simple Fee.)
+if Use Simple Fee=N: Fee Excl.VAT+VAT according to VAT Posting Gr.Principal)
Please note that the calculation may not be completely correct in cases where there are different VAT rates, e.g. for Principal and Interest, or if there are different VAT rates for individual insurance policies or services.
At the moment when the user has entered all the information about the contract and calculation parameters on the contract, he can calculate perform the calculation of the financial calculation on the contract. If not, the system will perform this calculation when activating the contract is activated, and it will also create a payment calendar.
Creating Creation of a payment calendar (or recalculatingrecalculation) can be done by pressing the button:
Complete Calculation
It only works as long as until a payment is not posted from the payment schedule. When you press calendar. After pressing the button in the background, the system will create a regular payment schedule.
Please note: if When pressed, it performs checks:
If there is already a contract payment calendar that contains entered irregular payments (ABS/REL parts), this function cannot be used. The system will notify you in the form of a message:
If Status>=Active, it displays the message:
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Calculator Lines
This method of calculation is general, i.e. it works even if the payment from the GAC has already been posted.
After pressing the button, the system opens the financial calculator of the contract, where the user can make e.g. a change of in ABS/REL parts – they can be used combine to model an irregular payment schedule or they can be used, for example, for a temporary reduction of installments, distribution of installments, etc. ABS/REL parts work only work for the financial part of the installment.
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By pressing Finish (Finish) will transfer the calculation will be transferred to the contract lines and generate the contract payment calendars will be generated – the so-called deployment of payments into the payment calendar (installmentspayments, insurance, serviceService, interest correction) including updating the fields in the contract factboxes.
After pressing the Update or Finish button, the system will check if the contract is not in the so-called automatic renewal mode (contract Extension flag Contract Extension=Y). If it is, it displays a message and does not perform any recalculation – no recalculation of the payment schedule calendar is allowed in this contract mode:
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If the contract is not in automatic extension mode (i.e. Contract extension=N), it continues will continue and recalculates recalculate the payments.
Then the system recalculates the contract mileage rates.
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If the user then performs a subsequent recalculation of the contract, the system in the financial calculator will start from be based on the last row line with Posted=Y, then it will calculate the remaining lines will be calculated within the recalculation and then deploy it into deployed to the contract payment calendar.