I've already configured the payoff templates for:
a. Full Payoff
b. Partial Payoff with Shortened Term
c. Partial Payoff with Same Term
For this customer we're using "b. Partial Payoff with Shortened Term"
First, im using general loans with repayment type "annuity", this means that every period we should pay the same amount of money
When you use this option, SAP recalculates from the moment of the partial payoff a new cashflow for the remaining length of the contract, this means that the cash flow changes at this point,
Our customer has complex type of partial payoff, they send the capital to the last period and recalculates de interests only in the last period, so they can increase their profits, there's no law that doesnt allow to do this, and they are asking us to do it like this.
Does anybody know a tool or a proceadure to follow, so we can figure it out.
Thanks for your help