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Hi Ashok,
I agree, but at the same time, would you recalculate the original schedule for the loan, or would you just adjust the affected instalments? Because in the first case, the result should be the same, because the startdate of the loan etc just make sure the instalments land on the same dates. In the second case it would be good to track with a column on the schedule that this one was a rescheduled installment so that you can only adjust the ones that were originally affected.
Option 1 has of course the tradeoff of performance, you are theoretically recalculating more loans than you should. Option 2 has the tradeoff of the extra column in the table that you now need to track and make sure that it is updated properly in edge cases.
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