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Praveen, on the topic of penalties versus fees, when someone makes a repayment, do you also need to 'account' for the penalty portion and fee portion seperately.
A repayment installment of loan might be principal (400), interest (100), fees (0), penalty (10), tax (1) = total = 511
Do you/would you want to account for payment of penalites in different way to fees?
What is the payment order (if partial payment occurs)?
Is tax only applicable to fees? can tax be charged on any other aspect of loan itself?