Interest Rate Calculation Procedure change

Hi,
We need to calculate the interest rate based on different factors. It can also change within a day.
How to change the SAP bahaviour to pick a particular interest rate?
Regards,
Sharmi

Hi,
Please check the transaction OB85, whether it will help you.
You can define your own function module as a copy of standard one assigned here and can assign that.
Regards,
Gaurav

Similar Messages

Interest rate calculation configuration & testing

Dear experts
How to configure & calculate Interest on Banku2019s Balance from SAP. Also to know about provision to change the interest rate in between the period.

Hi,
BALANCE INTEREST INDICATOR   S
INTERST CALICULATION GLOBAL SETTINGS:
/NOB46     INTEREST INDICATORS
     DEFINE NUMBER RANGES FOR INTEREST FORMS
/NOB82     INTEREST ON AREARS CALCULATION
/NOBAA     PREPARE ACCOUNT BALANCE
/NOBAC     DEFINE INTEREST REFERENCE RATES
/NOB83     ENTER INTEREST VALUES
/NOB81     DEFINE TERM BASED TERMS
INTEREST POSTINGS :
/NOBV1     A/R CALICULATION OF INTEREST AREARS
/NOBV3     A/R BALANCE INTEREST CALICULATION
/NOBV4     A/P BALANCE INTEREST CALICULATION
/NOB84     ASSIGN FORMS FOR INTEREST INDICATORS
/NXK02     ASSIGN INTEREST INDICATOR (CHANGE VENDOR MASTER RECORD)
/NF-02     POST LOAN RECEIPT TO VENDOR
/NF-44     EXECUTION OF INTEREST     ACCOUNTING-FA-AP-PERIODIC PROCESSING-
         INTEREST CALICULATION BALANCES
/NF-44     POSTING OF INTEREST           ACCOUNTING-FA-AP-PERIOD PROCESSING-
CALICULATION (VENDOR)      INTEREST CALICULATION-F-44 BALANCE
/NF-24     EXECUTE ITEM INTEREST              ACCOUNTING-FA-AR-PERIODIC PROCESSING-
CALCULATION ON CUSTOMER     INTEREST CALICULATION-ARREARS INTEREST CALICULATION
/NF-47     EXECUTE ITEM INTEREST CALCULATION ON VENDOR
/NF-26          BALANCE POSTING OF INTEREST CALICULATION CUTOMER
/NF-52     BALANCE POSTING OF INTEREST CALICULATION G/L
Regards,
Kishore K

Interest rate calculation for IT45 subtype120

Hi,
The interest rate for IT45 subtype 120 has been changed from 13.5% to 16% Is there any note available to incorporate this change or the table where exa
thanks,
Ayyaps

Hi carlos,
Thx for the reply.
When you say split the infotype and recalculate quota, could you plese explain that in more detail?
cheers,
ayyaps

F150 dunning prog. and Gregorian calendar-wrong interest rates calculation

Hello everyone,
I have a problem with F150 - dunnning program and the Gregorian Calendar. I defined a interest rate indicator and I choose Gregorian calendar - 365 days in the year but SAP calculate 360 days and the interest rates are wrong u2013 to high. I have found the OSS note 82995 - Dunning program interest calc. on 360 not 365 days u2013 but as a matter of fact there is no solution which is appropriate for me because I want to print interest along with dunning letter. Maybe you had had the same problem and maybe you found solution.
Thank for you help
Tom

FSKB G/L Account Posting
this transaction is not working

**Interest calculation procedure- Customers***

Folks,
Please let me know the procedure to calculate interest on customers.
Regards,
Varma

This configuration allows you to charge interest on overdue customer accounts. Interest can be calculated by using the line items or overall account balances. SAP keep tracks of the date of the last interest run and stores it in the customer master record.
First create an Interest Indicator.
OB46 - Interest Settlement Calculation Type
Int Calc. Type
P - calculate interest based on line items.
S - calculate interest based on account balances.
Secornd, make it avaliable to the interest run program.
OB82 - Interest Terms
Third, determine the interest rate that will be used by the calculation.
OBAC - Define Reference Interest Rates
OB83 - Enter the Reference Interest Rates Value
Fourth, assign the interest indicator to the reference interest rate.
OB81 - Define Time Dependent Terms
Finally, determine the how and to which accounts the interest program will post.
OBV1 - Prepare Interest on Arrears Calculation

Interest Rate Adjustment - how to change interest fixing date

Hi,
I have this activity that for every interest rate resetting, I will encode the new interest rate in TI10.
For swap transaction, the resetting I have is 01/14/2011 when it was originally contracted. However, given the governmentu2019s new thrusts on tourism, holidays were changed/moved in order to have long weekend. So the bank decided that the new interest rate resetting will be on 01/18/2011. Take note that there are already previous adjustments made in the past. When I reset the interest rate, I created a new interest rate, and I used the date 1/18/2011 in the actual fixing date. However, the accrual in SAP still uses the 1/14/2011 and not the 1/18/2011. So how do we solve this?
Thanks.

HI Lorenz,
Yes I used the adjusted rule and it now reflects the correct calculation date on the accrual/deferral which starts at Jan 18 already. The system I'm working on is still on 4.6C so they are using TBB4.
I have another question though: Since the change I made, I now have a separate calculation for the period 01/14/2011 to 01/17/2011. But this should not be the case because it was already paid on January 17,2011 so there should be no more accrual on that period. Just to give the background again, the original accrual period ends at January 14, but due to some holidays the due date was moved and the due was paid on January 17 so the new interest calcuation should start on Jan 18.
So now that the start of calculation starts on January 18, but has another separate calculation for period 01/14/2011 to 01/17/2011. Can this also be adjusted so that the calculation period really ends at January 17?
Thanks you.
Regards,
Marie

Penalty Interest calculation procedure

Dear Friends,
Could you please send me if you have customization procedure for customer penalty interest calculation.
My email id is: [email protected]
Thanks in advance for your help.
Regards,
Dwarak.

This configuration allows you to charge interest on overdue customer accounts. Interest can be calculated by using the line items or overall account balances. SAP keep tracks of the date of the last interest run and stores it in the customer master record.
First create an Interest Indicator.
OB46 - Interest Settlement Calculation Type
Int Calc. Type
P - calculate interest based on line items.
S - calculate interest based on account balances.
Secornd, make it avaliable to the interest run program.
OB82 - Interest Terms
Third, determine the interest rate that will be used by the calculation.
OBAC - Define Reference Interest Rates
OB83 - Enter the Reference Interest Rates Value
Fourth, assign the interest indicator to the reference interest rate.
OB81 - Define Time Dependent Terms
Finally, determine the how and to which accounts the interest program will post.
OBV1 - Prepare Interest on Arrears Calculation

G/L Interest calculation procedure

Balance Interest calculation
For term loan
Pls send any one G/L Accounts Interest Calculation procedure
Configuration
It is very urgent

Balance Interest Calculation: -
It is a calculation of Interest on total balance of an account or total balance of customer account. it is represented in "s".
System defined variant for balance interest calculation type is u2018Su2019 and item interest calculation type is u2018Pu2019. Balance interest type calculation is used for G L Accounts. Item interest type calculation is used for vendors and customers.
To display all transaction codes go to transaction code:SE16
The Nine configuration steps for calculation of balance interest calculation are
1) Define interest calculation type (OB46)
2) Prepare account balance interest calculation (OBAA)
3) Define reference interest rates (OBAC)
4) Define time dependent terms (OB81)
5) Define or specify interest rates (OB83)
6) Create G L Accounts for Intesrest Gained and Interest allowed and Loan Account (FS00)
7) Prepare gl account balance interest calculation and Define automatic posting (OBV2)
8) Entry for Loan (F-02)
9) Run interest programm (f.52)
Step 01: Define interest calculation types (OB46)
Path: SPRO>FInancial Accounting New>Financial Accounting Global Setting New>Business Transaction> Bank A/C interest calculation>Interest calculation global settings>Define interest calculation types
Go to new entries
Interest Id (V1) put discription Name Interest calculation type (S) and enter it will take automatically balance interest for S
Make sure don't tick mark the box given and save it.
Step 02: Prepare account balance interest calculation (OBAA)
Path: SPRO>FInancial Accounting New>Financial Accounting Global Setting New>Business Transaction> Bank A/C interest calculation>Interest calculation global settings>Prepare account balance interest calculation
Go to new entries
Give calculation indicator as defined V1
Interest calculation frequency : 01 (1 month)
Calendar type : G (28-31/365)
Give number range : 03
Select balance plus interest.
Save
Step 03: Define reference interest rate (OBAC)
Path: SPRO>FInancial Accounting New>Financial Accounting Global Setting New>Business Transaction> Bank A/C interest calculation>Interest calculation>Define reference interest rates
Go to new entries
Reference interest rate : V1 (same as Interest Indicator)
Long text : 12%balanace interest
Short text : 12% balance interest
Date from : 01.03.2010
Currency : INR
Save
Step 04: Define time dependent terms (OB81)
Path: SPRO>FInancial Accounting New>Financial Accounting Global Setting New>Business Transaction> Bank A/C interest calculation>Interest calculation>Define time dependent terms
Go to new entries
Interest calculation indicator : V1
Currency key : INR
Effective from : 01.03.2010
Sequential no : 01
Term : Debit interest balance interest calculation
Reference interest rate : V1
Save
Go to new entries or F8
Interest calculation indicator : V1
Currency : INR
Effective from : 01.03.2010
Sequential no : 02
Term : credit interest balance interest calculation
Reference interest rate : V1
Save
Step 05: Enter Reference Interest Rate Values (OB83)
Path: SPRO>FInancial Accounting New>Financial Accounting Global Setting New>Business Transaction> Bank A/C interest calculation>Interest calculation>Enter interest values.
Go to new entries
Reference int. rate (V1)
values effective from (01.03.2010)
interest rate (12%)
Before creating GL account Go to T.Code: OBD4 to create secured loans account group.
Go to new entries
Chart of accounts a/c group name from account to account
Chart of Account 'TATA' secured loans 100300 100399
TATA INTR interest Expenses 400100 400199
TATA INTR interest Gained 300100 300199
Save
Step 06: Creation of G L Accounts (FS00)
G L A/C no : 100305
Company code : TATA (Tata Infotech)
Select create button
Account group : secured loans
Select balance sheet account
Short text : HSBC Bank Account
Long text : HSBC Bank Loan Account
Select control data tab
Select only balances in local currencies
Select open item
Select line item display
Sort key : 001
Select create/bank/interest tab
Field status group : G005
Select relevant to cash flow
Interest calculation indicator : V1
Save
Give G L A/C no : 400105
Company code : TATA
Select create button
Account group : interest
Select profit and loss account
Short text : interest Allowed
Long text : interest Allowed Account
Select control data tab.
Select line item display
Sort key : 001
Select create/bank/interest tab
Field status group : G001
Save
Give G L A/C no : 300107
Company code : TATA
Select create button
Account group : interest
Select profit and loss account
Short text : interest Gained
Long text : interest Gained Account
Select control data tab.
Select line item display
Sort key : 001
Select create/bank/interest tab
Field status group : G001
Save
Step 07: Define automatic posting account (OBV2)
SPRO>FInancial Accounting New>Financial Accounting Global Setting New>Business Transaction> Bank A/C interest calculation>Interest posting>Prepare G L A/C balance interest calculation
Go to accounts
Chart of accounts : TATA
A/C symbol currency G L A/C
0002 INR 400105 (interest Allowed)
2000 Inr 100305 (HSBC Bank Loan Account)
Save
Step 08: Entry for loan (F-02):
Give document date : 01.03.2010
Posting date : 01.03.2010
Type : SA
Company code : TATA
Currency : INR
Posting key : 40
G L Account : 200005 (ICICI bank a/c)
Enter
Amount : 50,00,000
Business area : IRON
Value date : 01.03.2010
Text : loan received
Posting key : 50
G L Account : 100305 (HSBC bank a/c)
Enter
Amount : *
Business area : IRON
Text : +
Save
Step 09: Interest calculation run (F.52):
Accounting>Financial Accounting>General ledger>Periodic Processing>Interest calculation>Balances
Give chart of accounts : TATA
G L A/C no : 100305 (HSBC Bank Account)
Company code : TATA
Calculation period : 01.04.2010 to 31.12.2012
Select leap year.
Select post also if value date in past
Select update master records
Execute
Go to system on menu bar.
Select services
Select batch input
Select sessions
Select RFSZIS00
Select process
Select display errors only
Again select process
The system gives the message: u201Cprocessing of batch input session completedu201D

Interest calculation procedure in Dunning

How to calculate the Interest in dunning?
What are the steps needed to be configured for the interest calculation for the dunning process?

This configuration allows you to charge interest on overdue customer accounts. Interest can be calculated by using the line items or overall account balances. SAP keep tracks of the date of the last interest run and stores it in the customer master record.
First create an Interest Indicator.
OB46 - Interest Settlement Calculation Type
Int Calc. Type
P - calculate interest based on line items.
S - calculate interest based on account balances.
Secornd, make it avaliable to the interest run program.
OB82 - Interest Terms
Third, determine the interest rate that will be used by the calculation.
OBAC - Define Reference Interest Rates
OB83 - Enter the Reference Interest Rates Value
Fourth, assign the interest indicator to the reference interest rate.
OB81 - Define Time Dependent Terms
Finally, determine the how and to which accounts the interest program will post.
OBV1 - Prepare Interest on Arrears Calculation

How to Change Interest Rates for a loan with different disbursement?

Hi,
My user has a loan with Commitment capital of 35,000SGD with 1.3% interest Rate
On his first disbursement he allocation only 25,000 since interest rate is at Loan contract level 1.3% interest rate is use as well.
On his 2nd disbursement (for the remaining 10,000) he want to change interest rate from 1.3% to 1.5% which is not feasible, I think.
My advise:
1. Create a new contract with a capital amount of 10,000 and interest rate of 1.5%.
2. Reverse the disbursement for the original contract in order to change its commitment capital amount from 35,000 to 25,000 only.
The problem:
Upon reversal of the disbursement we got an error - "Account determination for paid disbursement not possible cotract 100701".
Can anybody know what should be the correct way to adjust the interest rate?
Or how can we get rid the error message to continue my proposal?
Thanks a lot.

Hi,
I assume you are using TCode - FNM3 for reversing the paid disbursement. Please check the Account Determination for Reversal posting keys/account symbols in SPROLoans MgtAcct Determination.
Regards
Prasad AV

IS-Banking / Reference Interest Rates

Hi,
We are having a problem when creating a condition group - time deposit settlement (T-code F9COGR2). We first defined a reference interest rate (for credit interest time deposit). We then changed the interest rate and when we run the settlement, interests are calculated with different interests rates for each day instead of using the last reference interest rate.
Since SAP Help says: "If there are multiple percentage rates for a reference interest rate on a valid-from date, the system uses the most recent one. For adjustments in previous periods, the system uses the percentage rate that was valid at the time when the adjustment was made", we are wondering if there is a way to use ONLY the last interest rate even if the valid-from date is in the past.
Thanks,
Maria.-

Hi again Gurus!
Scenario changed.
\We have uploaded in our system the reference interest rates for EURIBOR 1 DAY, EURIBOR 1 WEEK, EURIBOR 1 MONTH and EURIBOR 2 MONTHS (OB83) for 21/02/2012. Then we executed JBYC. After selecting YC and currency for 21/02/2012 we choose u201CDetailsu201D. In the Detailsu2019 tab we execute u201CInterpolate Int. Dateu201D for each day of the following 60s.
Does anybody know if there is a way to calculate and STORE daily this information in the system, per yield curve and date?
Our client wants every day to calculate the interpolated days based on daily yield curve and to report it. Is this possible in TRM?
Special thanks,
George

Payoff Product Type 55A interest rate instrument structure

Hello,
I´m using product type 55A Interest Rate Instrument and I have two questions:
1. Could you confirm me if is possible register a capital payoff no planning in this kind of product type? Which transaction could I used?
2.Is possible to used a partial disbursement? For example,
I get a loan for 3,000.00, at the beginning the first day I disbursement only 1,000.00 and 2 months later I disbursement 2,000.00. Then the loan calculate at the begining interest in base of the 1,000.00 and 2 months later calculate interest in base of 3,000.00.
Please help me.
Thanks
Best regards,
Adriana Rivera

Hello.
2.Is possible to used a partial disbursement? For example,
I get a loan for 3,000.00, at the beginning the first day I disbursement only 1,000.00 and 2 months later I disbursement 2,000.00. Then the loan calculate at the begining interest in base of the 1,000.00 and 2 months later calculate interest in base of 3,000.00.
1. You can use product type 56A as credit line and product type 55A as disbursment. You can link two product types with "Facility" field on "Administration" tab. Negative side of this method: you have several transactions. Interests are calculated for each 55A prod. type.
2. You can use product type 55A alone and "Other changes in capital structure" button. You can take several amount of money at any time. Negative side of this method - you are not able to show these 3,000.00 on "Structure" tab. But you can use "User exit X" tab where you can create field for this purpose. Positive side - interests are calculated as you wanted in your post above!!!

Interest Rate

Dear All ,
I want to calculate the interest with dunning. But i do no understand the interest rate logic with dunning .
I need a calculation as below example . Is it possible ?
for example , Invoice = 1000 EUR Net due date =12.03.2007
Interest Rate Scale
Interval
From                         To                 Rate
11.10.2006     12.12.2006     10
13.12.2006     13.03.2007     10,3
14.03.2007     12.06.2007      10,5
13.06.2007     08.07.2008      11
09.07.2008     22.10.2008      11,25
Calculation method = (Invoice amount*interest in the period *days)/365
Thanks
Dash

Hi,
Please use Product Type - 55A with Product Category - 550 in Money Market where you can accommodate the Borrowing with Ref Int Rate. Can you clarify what mean "to see flows and posting entries seperately" Posting entry will be generated with the help of a flow. there are different report available for seeing flows and posting entries:
TPM13 - Flows
TPM20 - Posted entries
Regards
Prasad AV

Unable to edit cash flow in Interest Rate Instrument

Hi Experts,
I am facing a strange issue while trying to change Cash Flow in Int. rate instrument.
Scenario:
I am trying to edit a flow in FTR_Edit and system is allowing me to change most of the flow. Please see below:
But if try to change the very next flow on the same date i.e. 960.93 USD Edit Flow option is NOT coming at all.Please see below
These flow has NOT been posted to accounting still.
Any one has any ides/suggestion why system is behaving like this.
Cheers !
Adi

Hi,
basically changes in the cashflow are exceptional and for circumstances, where you have postings after the flow(s) you want to adjust and you cannot reverse these postings because of closed periods etc. This changes in the cashflow do not change the interest condition(s) itself.
If you have more than 1 interest period and the interest rate of the future periods are not known yet, you should use a Reference Interest Rate (e.g. LIBOR) instead a fix one in the interest condition. Then you are able to use the fixing-functionality (TI10 or TJ05) to get the interest rates into the deal.
Of course you can use fixed interest rate, too - in this case you need 1 interest-condition per period and have then to adjust the interest rate (which initially cannot be 0).
Regards,
Lorenz

TRM: doubts in interest rate instrument and Business partner

Dear all,
While implementing Treasury Risk Management, in order to fulfill my clientsu2019 needs I have three questions regarding, 1. Interest rate instruments, 2.Leasings and 3.Business partners.
1.When creating a contract of an interest rate instrument , associated to a floating interest rate (e.g. EURIBOR 3M), how can I calculate the tax stamp which represents 4% of my interest rate amount, and occurs every time I have to pay interests?
I could define it in the u201Cother flowsu201D label but since the contract is associated to a variable, I never know how much my 4% of tax stamp calculated over the interest amount will represent.
2.When creating leasing contracts, how can I calculate the VAT associated to the periodic payments?
3.Is there any way to make postings to a business partner directly as a Vendor or a costumer?
Thanks in advance,
Regards,
Daniel

Hi,
Please consider following:
1. Generally TDS flows are generated automatically by system based on a revenue/expense flow. By configuring Derived FLows in system you can achieve this. Then alongwith every interest payment flow a TDS flow also will be generated based on the rate defined in system with seperate flow type, you can define account posting in spro.
The path for config- TRM-Trans Mgr- Money Market-Transaction Mgt- Flow Types- Derived FLows
2. Again since VAT is a derived flow for an actual cash flow, so you can achive this through derived flows config.
3. You can make posting to Business Partner account by performing following:
a. In master data, assign role of Customer to the Business Partner
b. Make payment settings in transaction to Customer and select payee/counterparty. While posting with TBB1, entries will be against Customer A/c and further clearing will be reqd at customer level against respective payment bank.
c. To achieve this output, you may require to define account determination accordingly for customers.
I suggest to post seperate thread for each issue rather than posting with single thread for better response.
Regards
Prasad AV

Interest Rate Calculation Procedure change

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