Loan : how to use the "future value" in a scheduled transaction ?

[Yann Le Mouel]

Hmmm it looks like a lot of people are not interest in my question.

Further info: the pmt value is correct. However ipmt & ppmt values are never
correct.

I have difficulties in digging in the source code. Perhaps can anyone let me
know which functions calculate effectively these ipmt & ppmt values so that
I can put a breakpoint on it and check them?

Thanks in advance,
Yann

> -----Original Message-----
> From: gnucash-user-bounces+yann.lemouel=free.fr at gnucash.org
> [mailto:gnucash-user-bounces+yann.lemouel=free.fr at gnucash.org] On Behalf
> Of Yann Le Mouel
> Sent: mercredi 25 janvier 2012 22:40
> To: gnucash-user at gnucash.org
> Subject: Loan : how to use the "future value" in a scheduled transaction ?
> 
> Hello all
> 
> 
> 
> I'm trying to set up a loan with GnuCash and I have issues with the PMT
> functions on my scheduled transaction.
> 
> 
> 
> The monthly scheduled transaction has these formulas:
> 
> Line 1 (my bank account): pmt (0.0345/12 : 240.00 : 130000.00 : -46666.01
> :
> 0) + 45.51
> 
> Line 2 (loan principal account): ppmt (0.0345/12 : i : 240.00 : 130000.00
> :
> -46666.01 : 0)
> 
> Line 3 (interest account): ipmt (0.0345/12 : i : 240.00 : 130000.00 :
> -46666.01 : 0)
> 
> Line 4 (insurance account): 45.51
> 
> 
> 
> And well. each month when the transaction is created, I get this result:
> 
> Line 1 (my bank account): 660.84
> 
> Line 2 (loan principal account): 240.89
> 
> Line 3 (interest account): 374.44
> 
> Line 4 (insurance account): 45.51
> 
> 
> 
> These results are odd because none of the loan iterations should give this
> result. And moreover they should not be the same every month. It looks
> like
> the "GnuCash bank" is not really willing me to reimburse quickly the loan
> (or is it a way to force me to donate some money to the GnuCash
> developers?)
> ;-)
> 
> 
> 
> I have other loans with a future value (the 4th parameter of the pmt
> function : -46666.01) set to 0 and the transaction gives good results each
> month.
> 
> 
> 
> Any idea?
> 
> 
> 
> Yann
> 
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