The following list gives an indication of which columns of the adjustment screen are required. For the Loan column, Optional indicates that either All (Default), Loan A or Loan B may be selected.
|
|
From/On |
Amount |
To |
Loan / Part |
||||||
|
|
|
|
|
|
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|
Lumpsum |
Yes |
Yes |
No |
Optional |
||||||
|
Override |
Yes |
Yes |
No |
Optional |
||||||
|
Override
(use payment) |
Yes |
Yes |
No |
Optional |
||||||
|
Missed
payment |
Yes |
No |
Optional |
Optional |
||||||
|
Fee |
Yes |
Yes |
No |
No |
||||||
|
Monthly
premium |
Yes |
Yes |
Yes |
No |
||||||
|
Discount
rate |
Yes |
Yes |
Yes |
Optional |
||||||
|
Fixed rate |
Yes |
Yes |
Yes |
Optional |
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|
Capped rate |
Yes |
Yes |
Yes |
Optional |
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|
Surrender
value |
Yes |
Yes |
No |
No |
||||||
|
Forced
recalculation |
Yes |
No |
No |
No |
||||||
|
Accrued fee |
Yes |
Yes |
No |
Optional |
||||||
|
Accrued fee
(use payment) |
Yes |
Yes |
No |
Optional |
||||||
|
Monthly
payment |
Yes |
Yes |
Yes |
Optional |
||||||
|
MIRAS rate |
Yes |
Yes |
Yes |
Optional |
||||||
|
MIRAS
amount |
Yes |
Yes |
Yes |
Optional |
||||||
|
Increase
rate |
Yes |
Yes |
Yes |
Optional |
||||||
|
Collar rate |
Yes |
Yes |
Yes |
Optional |
||||||
|
Set IBB |
Yes |
Yes |
No |
Optional |
||||||
|
Set IBB
Start Date |
Yes |
No |
Yes |
Optional |
||||||
|
Adjust IBB
balance |
Yes |
Yes |
No |
Optional |
||||||
|
Interest
balance |
Yes |
Yes |
Yes |
Optional |
||||||
|
Payment
balance |
Yes |
Yes |
Yes |
Optional |
||||||
|
Adjust
payment balance |
Yes |
Yes |
Yes |
Optional |
||||||
|
Working
balance |
Yes |
Yes |
Yes |
Optional |
||||||
|
Payment
rate |
Yes |
Yes |
Yes |
Optional |
||||||
|
Set loan A
balance |
Yes |
Yes |
No |
No |
||||||
|
Payment rate
difference |
Yes |
Yes |
Yes |
Optional |
||||||
|
Change
calculation type |
Yes |
No |
No |
Optional |
||||||
|
Set
Mortgage payment |
Yes |
Yes |
Yes |
Optional |
||||||
|
No payment |
Yes |
No |
Yes |
Optional |
||||||
|
Set payment
day |
Yes |
Yes |
No |
No |
||||||
|
Payment amount
% |
Yes |
Yes |
Yes |
Optional |
||||||
|
Set
variable loan A |
Yes |
Yes |
No |
No |
||||||
|
Set arrears
balance |
Yes |
Yes |
No |
Optional |
||||||
|
Annual
accrued fee |
Yes |
Yes |
Yes |
Optional |
||||||
|
Annual
premium |
Yes |
Yes |
Yes |
No |
||||||
|
Recalc
current rate |
Yes |
No |
Yes |
No |
||||||
|
Payment
MIRAS int (Diff %) |
Yes |
Yes |
Yes |
Optional |
||||||
|
Redress adj
before int |
Yes |
Yes |
No |
No |
||||||
|
Redress adj
after int |
Yes |
Yes |
No |
No |
||||||
|
Set Clawback |
Yes |
Yes |
No |
No |
||||||
|
Instant
Override |
Yes |
No |
Yes |
Optional |
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|
Set Term |
Yes |
Yes |
No |
Optional |
||||||
|
Premium
Claim |
Yes |
Yes |
No |
No |
||||||
|
No Premiums |
Yes |
Yes |
Yes |
No |
||||||
|
Monthly
Income |
Yes |
Yes |
Yes |
No |
||||||
|
Quarterly
Income |
Yes |
Yes |
Yes |
No |
||||||
|
Annual
Income |
Yes |
Yes |
Yes |
No |
||||||
|
Single
Premium PPI |
Yes |
Yes |
No |
Optional |
||||||
|
Regular PPI
Premium |
Yes |
Yes |
Yes |
No |
||||||
|
Annual
admin fee % |
Yes |
Yes |
Yes |
No |
||||||
|
Force
capital redress |
Yes |
No |
Yes |
Optional |
||||||
|
Force
balance redress |
Yes |
No |
Yes |
Optional |
||||||
|
Min payment
amount |
Yes |
Yes |
Yes |
Optional |
||||||
|
Min payment
balance % |
Yes |
Yes |
Yes |
Optional |
||||||
|
No
calculation |
Yes |
No |
No |
|
||||||
|
Tax % |
Yes |
Yes |
Yes |
Optional |
||||||
|
Set adj
portion % |
Yes |
Yes |
Yes |
Yes |
||||||
|
4 weekly
premium |
Yes |
Yes |
Yes |
No |
||||||
|
4 weekly
income |
Yes |
Yes |
Yes |
No |
||||||
|
Set system
payment |
Yes |
Yes |
Yes |
Optional |
||||||
|
4 weekly
admin fee |
Yes |
Yes |
Yes |
Optional |
||||||
|
4 weekly
pension income |
Yes |
Yes |
Yes |
Optional |
||||||
|
Unit change |
Yes |
Yes |
No |
Optional |
||||||
|
Monthly
accrued admin fee % |
Yes |
Yes |
Yes |
Optional |
||||||
|
Investment |
Yes |
Yes |
No |
Optional |
||||||
|
Monthly
investment |
Yes |
Yes |
Yes |
Optional |
||||||
|
Quarterly
investment |
Yes |
Yes |
Yes |
Optional |
||||||
|
Annual
investment |
Yes |
Yes |
Yes |
Optional |
||||||
|
Withdrawal |
Yes |
Yes |
No |
Optional |
||||||
|
Monthly
withdrawal |
Yes |
Yes |
Yes |
Optional |
||||||
|
Quarterly
withdrawal |
Yes |
Yes |
Yes |
Optional |
||||||
|
Annual withdrawal |
Yes |
Yes |
Yes |
Optional |
||||||
|
Admin fee |
Yes |
Yes |
No |
Optional |
||||||
|
Monthly
admin fee |
Yes |
Yes |
Yes |
Optional |
||||||
|
Quarterly
admin fee |
Yes |
Yes |
Yes |
Optional |
||||||
|
Annual
admin fee |
Yes |
Yes |
Yes |
Optional |
||||||
|
Annual
admin fee % |
Yes |
Yes |
Yes |
Optional |
||||||
|
Allow zero
balance |
Yes |
No |
Yes |
Optional |
||||||
|
Allow
negative balance |
Yes |
No |
Yes |
Optional |
||||||
|
Disallow
negative interest |
Yes |
No |
Yes |
Optional |
||||||
|
No recalc |
Yes |
No |
Yes |
Optional |
||||||
|
Merge split
IBB |
Yes |
No |
Yes |
Optional |
||||||
|
Set balance |
Yes |
Yes |
No |
Optional |
||||||
|
Adjust
balance |
Yes |
Yes |
No |
Optional |
||||||
|
Use current
term |
Yes |
Yes |
Yes |
Optional |
||||||
|
Payment
received |
Yes |
Yes |
Yes |
Optional |
||||||
|
Insurance
premium |
Yes |
Yes |
No |
Optional |
||||||
|
Interest |
Yes |
Yes |
Yes |
Optional |
||||||
|
Purchase |
Yes |
Yes |
No |
Optional |
||||||
|
Refund |
Yes |
Yes |
Yes |
Optional |
||||||
|
Late
payment fee |
Yes |
Yes |
No |
Optional |
||||||
|
Overlimit
fee |
Yes |
Yes |
No |
Optional |
||||||
|
Cash
advance fee |
Yes |
Yes |
No |
Optional |
||||||
|
GMP date
(To) |
Yes |
No |
Yes |
Optional |
||||||
|
GMP
retirement |
|
Yes |
Yes |
No |
Optional |
|
||||
Remember that if items are missing the adjustment won’t work correctly. For the ‘Loan’ column, any adjustment capable of using this does have it as an option (can be ‘All’, ‘Loan A’ or ‘Loan B’).
Note: Premiums / fees are applicable to payments only. The accrued fee, annual accrued fee and monthly payments are different in that they affect the underlying mortgage / interest bearing balance and their descriptions are preceded by an ‘*’ on printouts.
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