Adjusted interest?

[bosue]

What exactly is the “Adjusted Interest“ field (in absolute values) supposed to do, and why is it added upfront to the first term? I think this is wrong. You can’t simply adjust individual interest amounts, leading to incorrect interest totals.

If this is about upfront costs / charges, that’s fine, but then they need to go outside the repayment schedule.

RPReplay_Final1695202295.mov

[bosue]

Furthermore:

Why is the Repayment Schedule editable at all? IMO it needs to be a read-only document with all changes requiring editing/amending or restructuring the actual Loan. Draft repayment schedules to play around with should instead be available earlier in Loan Application.