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

[Yann Le Mouel]

Well finally I found that the issue was not with the "future value" but with
the "i". If I replace the "i" by a number (let's say "15" if it's the 15th
payment), the ipmt & ppmt values are correctly calculated by GnuCash. Which
is a workaround that I can use until the error is found (I'll update
manually the "i" number each time the scheduled transaction is run).

I do not know how the "i" is handled in the source code, but for this
example, the gnc:ppmt & gnc:ipmt SCM functions are always called with i=0...

Would you like me to open a bug on this?

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: samedi 28 janvier 2012 17:21
> To: gnucash-user at gnucash.org
> Subject: RE: Loan : how to use the "future value" in a scheduled
> transaction ?
> 
> 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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> 
> 
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