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Variable interest rate with Surcharge

Aug 16, 2017 at 09:53 AM


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Hello friends, I need your help.

I have next interest structure:

In view V_T056P i have next entry:

CBRF СтРефЦБРФ 19.06.2017 9,0000000

CBRF СтРефЦБРФ 02.05.2017 9,2500000

CBRF СтРефЦБРФ 27.03.2017 9,7500000

CBRF СтРефЦБРФ 19.09.2016 10,0000000

The problem is that some cash flow dont take a a surcharge:

next flow (when the rate changes):

It must 9,75% + 3,15%.

Help me please with it.

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2 Answers

Gustavo Vazquez Aug 16, 2017 at 12:51 PM

Hi Artem,

Have you run TI10 or TJ05 ? The first Interest rate ( 13,5 ) is set mannually in the conditions.

Kind Regards

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Hello Gustavo, thx for reply. Yes, i run TJ05, tj05.png but nothing change. Any other ideas?

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Check cashflow tab

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I check cash flow tab:


I dont undestand, why 9.75? Why not add 3.15?

If you change date interest rate, for example set a date 05.04.2017. What will be the flows?

Can you attach screen-shot with detail interest condition. May be i miss something important...

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Hi Artem,

The condition of Interest is 20.10.2016 (day included) with no shift on working day, so first day is 21.XX.XXXX.

Why is the start period of Interest calculation on 27.03.2017 ? . Is there any other conditions for the Interest ?

Kind regards


You're right. In the system the calculation of the rate starts from 21.09.2016:

Error percentage rate occurs when reference interest rate change (first time on 27.03.2017).

On 27.03.2017 invalid percentage rate. I need 9.75+3.15=12.9%, but it 9.75..

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Try to change it manually with TI11 and see if both interest payments gets updated.

Check if the same scenario happens with a simple transaction (Final repayment, same dates)

If not, open a OSS .

Here is my interest conditions, same as yours

interest-4.png (51.0 kB)

Gustavo, thank you!

change it manually and interest payments update, but still doesn`t take 3,15.

On 31.05.2017 first two flows right (9.9045+3.15), but third flow again incorrect, 9.25 instead 9.25+3.15

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On Date 28.04.2017 you have fixing date 27.03.2017 and rate 9,7545 and but ......

on date 31.05.2017 you have fixing date 27.03.2017 and rate 12,9045 ( 9,7545 + 3,15) .

The same goes for the next month (9,25 + 3,15 = 12,40).

There is something with the due dates and end of periods in the interest conditions (End of Month - Due date on Previous Day). Try to simplify them to detect the error.

Why do you have 3 Nominal Interest positions ? When does capital change ?

How many Interest Conditions do you have ?

The Interest Adjustment works fine, the problem are the conditions in the transaction.

Kind Regards


Gustavo, I agree, 3 nominal Interest positions - wrong. I fix it, i have 2 nominal positions now:

first flow:

second flow:


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Check condition 1210 Dates.

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Hello Gustavo!

If I setup "interest rate adjustment" like you "at start of period"

it will wrong, because first new rate must be Eff. from 27/03/2017 (12.80%)

second from 02/05/2017 (12.40%)

third from 19/06/2017 (12.15%).

dates.png (48.8 kB)

I could reproduce your situation adding an empty entry in trx OB83


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int-conditions.png (38.5 kB)

omg, whats wrong with it! :-(

Gustavo, thank you for trying to help me.

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Jain varghese Aug 23, 2017 at 11:17 AM


In normal process surge charge or basis point will be same though out the life depend on loan. Please check if you have multiple condition for loan and in case yes, Kindly check the basis point.

Normally we never face this issue until human error.



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