Fixed Loan Account Fields

Fixed Loan Account Fields

Field
Explanation
[HPACC_ARR+LETFEE]
Arrears and letter fee

This is the current (arrears) balance plus the letter fee generated during the letter run 
[HPACC_ARR+LETFEE+ACRINT]
Total of arrears plus the letter fee and accrued interest (penalty) 
[HPACC_ATT_x]
This is used to print the total of an HP Transaction Type

Replace the x with the Transaction Type alpha code

E.g.  If there is a transaction type UPI, then the embed field would be [HPACC_ATT_UPI]   To print the total of receipts paid on a contract where the Transaction Type code is HPRECEIPT, then the field would be [HPACC_ATT_HPRECEIPT] 
[HPACC_CNTINS]
Total Count of Instalments
[HPACC_CONTERM]

Quote: This is the number of instalments and the term.  If the quote was 36 instalments and the term monthly, this would print as 36 Months.

Account: Term of the contract being the number of instalments from the Finance screen and the frequency of those instalments from the account details screen.
[HPACC_CST1]
Value of Item 1 as entered on the Financial details screen – usually cost price
[HPACC_CST10]
Value of the Trade In on the Financial Details screen 
[HPACC_CST11]
Value of the Interest content of the loan 
[HPACC_CST9]
Value of the Deposit amount on the Financial details screen 
[HPACC_CSTn]
Value of items as entered on the Financial details screen.  (Where n is between 2 and 8 and/or 12 and 15).  
[HPACC_ENDDTE]
The calculated end date for the contract based on the start date, frequency and number of instalments
[HPACC_INSFNLAMT]
The Final Instalment Value (Balloon Payment)
[HPACC_INSFRQ]
Instalment frequency 
[HPACC_INSTGST_TOTAL]
The total of the GST on all instalments added together
[HPACC_INSLSTAMT]
Last instalment amount 
[HPACC_INSLSTDTE]
Last instalment date 
[HPACC_INSNXTDTE]
Next Instalment date 
[HPACC_INT]
Total interest on the contract 
[HPACC_LETTPY]

Type of overdue letter sent 

[HPACC_PAYMENTS_AMT_ONLY]

This is a description of the payment details of the loan but without the dates. or spaces for dates to be manually added. 

For example:
59 monthly payments of $120.00
1 payment of $594.00
[HPACC_PAYMENT_SCHEDULE]
Prints a list of each instalment making up the loan repayments
[HPACC_PAYMENTS]
Details of all the payments to be made on the Contract in the form: Weekly Payments (First payment due 27 August 2002) 104 payment(s) of $74.95 
[HPACC_PAYOUT]
The payout amount on account  
[HPACC_PSTINSCNT]
This shows the number of instalments that have been posted on a Fixed Loan account
[HPACC_QUORTE]
Annual Percentage Rate  
[HPACC_REBATE]
The rebate if early settlement takes place
[HPACC_STADTE]
Contract Start Date 
[HPACC_STDINSAMT]
Standard instalment amount 
[HPACC_STDINSAMT_AP]
The instalment standard amount plus the automatic payment amount charged per instalment
[HPACC_TOTAMTFIN]
Total amount financed (total gross cost + total deposit) 
[HPACC_TOTBALPAY]
Total balance payable 
[HPACC_TOTBALPAY_INCL_FEES]
The total payment amount plus the total automatic payments to be charged on to the account
[HPACC_TOTBALLPMT]
Total Balloon payment due including any arrears balance on the loan
[HPACC_TOTCSTCRD]
Total cost of credit (Interest + below the line charges) 
[HPACC_TOTDEP]
 Total deposit (deposit + trade in) 
[HPACC_TOTDUE]
Total due including future ledger
[HPACC_TOTGRSCST]
Total gross cost 
[HPACC_TOTINS]
Total instalments payable on the ledger, i.e. total financed at the start of the contract 
[HPACC_TOTRECEIPTS]
This shows the value of the receipts on the account as a positive value
[HPLET_AMT]
Overdue Letter Amount

Fixed Loan Early Termination Fields

These fields will only be created when the [Crt.Cmm] button is used in the Early Termination and Early Termination Enquiry dialogs.

FieldExplanation
[HP_ET_ADMAMT]Early termination administration amount value 
[HP_ET_CRDLOSS]
Amount of the Creditors Loss where the Current Annual Percentage Rate is below the Interest Rate on the Account
[HP_ET_CURAPR]Current Annual Percentage Rate – rate you can lend the money at today
[HP_ET_DAILY_ERL]
[HP_ET_DAILY_INT]This is the value of interest per day up to the next instalment date for accounts using “Actuarial” interest rebate method, for other rebate methods this will be zero
[HP_ET_DAYSARREARS]The number of days the account has been in arrears as is displayed on the Account Enquiry Screen
[HP_ET_DISCOUNTED_INTEREST]Interest Variance Against Schedule
[HP_ET_DISCOUNTPERCENT]Discount Percentage on the termination
[HP_ET_DLRCOMMCLAW]System calculated figure of the amount of commission that should be clawed back from a dealer when the account is early terminated
[HP_ET_DTE]Date of the Early Termination Quotation  
[HP_ET_GST]Amount of GST added to the termination balance when the ‘Include GST’ checkbox is checked on
[HP_ET_INS_ADD]Address for the rebateable insurance policy
[HP_ET_INS_COTNME]Contact name for the rebateable insurance policy
[HP_ET_INS_COTPOS]Contact Position for the rebateable insurance policy
[HP_ET_INS_COTSAL]Contact salutation for the rebateable insurance policy
[HP_ET_INS_NME]Insurer name for the rebateable insurance policy
[HP_ET_INS_POLAMT]Policy Cover Amount for the rebateable insurance policy
[HP_ET_INS_POLDES]Policy description for the rebateable insurance policy
[HP_ET_INS_POLEXPDTE]Policy expiry date for the rebateable insurance policy
[HP_ET_INS_POLNO]Policy number for the rebatable insurance policy
[HP_ET_INSCOMMREB]Early Termination Insurance Commission Rebate value 
[HP_ET_INSPREMREB]Early Termination Insurance Premium Rebate value 
[HP_ET_INSTALMENTS_DUE_BEFORE_PAYOUT]Instalments Due Before Payout
[HP_ET_INSTOTREB]This is the net value of the Commission Rebate + Premium Rebate as a total rebate
[HP_ET_NCE_ADMAMT]The Early Term Fee for the second early termination quote
[HP_ET_NCE_AMT]The amount of the second termination quote for the date [HP_ET_NCE_DTE]
[HP_ET_NCE_CRDLOSS]The Creditor’s Loss for the second early termination quote
[HP_ET_NCE_DTE]

The termination date ‘Early Term Days Notice Period’

The ‘Early Term Days Notice Period’ is entered on the [Fixed Loan] screen of the account type dialog

It is the number of days that you want the second termination quote calculated for after the termination date of the quote.
[HP_ET_NCE_INSCOMMREB]The Insurance Commission Rebate for the second early termination quote
[HP_ET_NCE_INSPREMREB]The Insurance Premium Rebate for the second early termination quote
[HP_ET_NCE_PENDUE]The Default Interest Accrued for the second early termination quote
[HP_ET_NCE_SETAMT]The Days Notice Settlement Amount for the second early termination quote
[HP_ET_NCE_UNEINT]The Interest Rebate for second early termination quote
[HP_ET_PENDISRTE]This is the rebate percentage on the account type associated with the account being early terminated

This is more meaningful for R78 terminations

It will always be 100% for a Consumer Loan termination.
[HP_ET_PENDUE]Amount of penalty interest accrued to termination date 
[HP_ET_PENWRTOFF]Amount of default interest that is being written off as part of the early termination process
[HP_ET_PREPAYAMT]Early termination prepayment amount value 
[HP_ET_REBATE]Rebate due on the account at termination
[HP_ET_RECURCHARGES]Adds the total recurring charges to post from today to the Early Termination date if the ‘Include Recurring Charge’ checkbox is checked on
[HP_ET_REMAINING_CONTRTACTED_PAYMENTS]
Remaining Contracted Payments on the loan
[HP_ET_SETAMT]
Settlement amount due on early termination 
[HP_ET_TOTACRUINT]
Total of the Principal Interest + Default Interest
[HP_ET_UNEINT]
Unearned Interest (Rebate) amount on termination date 
[HP_ET_WRTOFF]Amount entered into the write off field when processing an early settlement 
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