Problem in Loan

Dear Gurus,

I am facing a problem while creating loans. In our client there is a provision for "Bank Loan" in which the employee takes a loan from bank. The employee gets the loan amount externally (not through payroll) but installments get deducted through payroll. Now whenever I am trying to create this scenario through Infotype 45 with a payment type "Loan Payment (payroll)" the loan amount get included into the basic salary. Now my problem is how to create a loan where "Loan Amount" should not be included into payroll but "Repayment" must be deducted from the payroll.