User Manual Oracle FLEXCUBE Direct Banking Retail Loans
Contents
1. BBB Records 1 to 10 of 12 Page 1 of 2 Month Loan Amount EMI Interest Principal Balance Outstandin 1 GBP 9 166 67 GBP 833 33 GBP 0 00 GBP 833 33 GBP 9 166 67 2 GBP 8 333 34 GBP 833 33 GBP 0 00 GBP 833 33 GBP 8 333 34 3 GBP 7 500 01 GBP 833 33 GBP 0 00 GBP 833 33 GBP 7 500 01 4 GBP 6 666 68 GBP 833 33 GBP 0 00 GBP 833 33 GBP 6 666 68 5 GBP 5 833 35 GBP 833 33 GBP 0 00 GBP 833 33 GBP 5 833 35 6 GBP 5 000 02 GBP 833 33 GBP 0 00 GBP 833 33 GBP 5 000 02 Z GBP 4 166 69 GBP 833 33 GBP 0 00 GBP 833 33 GBP 4 166 69 8 GBP 3 333 36 GBP 833 33 GBP 0 00 GBP 833 33 GBP 3 333 36 9 GBP 2 500 03 GBP 833 33 GBP 0 00 GBP 833 33 GBP 2 500 03 10 GBP 1 666 70 GBP 833 33 GBP 0 00 GBP 833 33 GBP 1 666 70 This information is provided for illustration purposes only It does not constitute a quote The figures are estimates and do not account for amounts being rounded off Column Description Field Name Description Month Display This column displays the month number for installment 42 ORACLE Mortgage Calculator Field Name Description Loan Amount Display EMI This column displays the Loan amount with the currency Display This column displays the amount of EMI to be paid for the month and the currency Interest Display This column displays the amount of interest to be paid for the month and the currency Principal Display This column displays the amount of principal paid in the EMI and the c2. Type Adobe Acrobat Document From 10 180 81 240 gt While files from the Internet can be useful some files can potentially 9 harm your computer If you do not trust the source do not open or T save this what s the risk 8 Click the Open button to open the file OR Click the Save to download and save The system will save the file at the specified location 9 Specify the name for the file and the location and click on the Save button Once the download is complete the system displays the Download complete message box Download Complete I Download complete Download Complete Saved 15488_1221550985601 CS from 10 22 91 122 Downloaded 406 bytes in 1 sec Download to CilDocu 115488 1221550985601 CSV Transfer rate 406 bytes Sec _ Close this dialog box when download completes 10 Click the Open button to open the file or click the Close button to view the file later OR Click the Open Folder button to open the folder in which the file is saved OR Click the Close button to close the Download dialog box 32 ORACLE Loans Interest Rates 8 Loans Interest Rates This option allows you to view the different interest rates of loan To view Loan interest rates 1 Navigate through the menus to Tools gt Loan Interest Rates Loan Rate Inquiry Loan Rate Inquiry 31 03 2011 13 00 00 GMT 0530 Discounted Loans Product Name Interest Rate Interest Rate Type Effective Date
3. Display This field displays the interest rate applicable to the loan account Display This field displays the rate of penalty on the principal amount Display This field displays the total amount paid out of the total Loan amount till date Display This field displays the penalty interest rate on the prepayment of the loan amount Display This field displays the total number of installments paid till date 8 ORACLE Loan Details Field Name Description Principal Display Eun This field displays the payment frequency of the principal Interest Display E This field displays the payment frequency of the interest Outstanding Loan Details Principal Balance Prepayment penalty amount Penalties Fees And Charges Next Installment Date Next Installment Amount Installment Arrears Loan Outstanding Remaining installments Final Settlement Amount Interest amount still to be paid Display This field displays the outstanding Principle balance on the loan account as on date Display This field displays the prepayment penalty amount on the loan amount Display This field displays the number of penalties charged on the loan Display This field displays the fees and service charges applied on the loan account Display This field displays the due date of the next installment Display This field displays the next installment amount Display This field displ
4. Select the download type and file format from the drop down list gt gt 5 Click the button to exclude the options for downloading 6 Click the button to include the options for downloading File Download File Download Do you want to open or save this file ys Mame 1784 SRReport 1271142413280 pdf Mie Type Adobe Acrobat Document 7 18KB From 10 180 81 240 While files from the Internet can be useful some files can potentially harm your computer If you do not trust the source do not open or save this file What s the risk 7 Click the Open button to open the file OR Click the Save to download and save The system will save the file at the specified location 39 ORACLE Loan Calculator Download Complete Download complete Download Complete Saved 15488_1221550985601 CS from 10 22 91 122 Downloaded 406 bytes in 1 sec Download to C Docu 115488 1221550985601 CSV Transfer rate 406 bytes Sec C Close this dialog box when download completes 8 Click the Open button to open the file OR Click the Open Folder button to open the folder in which the file is saved OR Click the Close button to close the download transction 40 ORACLE Mortgage Calculator 10 Mortgage Calculator This option allows you to inquire the installment amount for the mortgage on the basis of Rate of interest you are willing to pay for the loan amount and the period for which you want the mortgage loan You
5. 14 ORACLE Loan Repayment Inquiry 5 Loan Repayment Inquiry Using this option allows you to inquire and view the loan repayment details along with the outstanding balance The Loan Repayment inquiry can be done directly from the Loan details screen To inquire loan Repayment Inquiry details 1 Navigate through the menus to Loans gt Loan Details The system displays the Loan Account Details screen 15 ORACLE Loan Repayment Inquiry Loan Account Details Loan Account Details 28 08 2010 03 47 46 GMT 1000 Sanctioned Loan USD Account Description GIXGUSS Amount Equivalent 010000263 SHANE GOULD CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOJSHS073340003 CHO BANK FUTURA HEAD OFFICE CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 zv Loan Details CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 Jv P 5 CHO BANK FUTURA HEAD OFFICE USD 200 000 00 200 000 00 amp Loan Account Activit 5 CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 gt BB Loan Repayment Inauir SBR AMORTIZED CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 Ee DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 Loan Settlement L S DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 db Loan Schedule DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 M DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 00
6. 219 957 00 E MGRMLAA080250036 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI GBP 10 000 00 14 663 80 J MGRMLAA080250039 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 J MGRMLAA080250040 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 Total for Loan Account USD Equivalent 2 041 802 20 Grand Total for All Loan Accounts USD Equivalent 2 041 802 20 21 ORACLE Loan Settlement 2 Click the Loan Settlement hyperlink on the pop up of the particular loan account The system displays the Loan Settlement detail screen with the details of that loan account OR 3 Navigate through the menus Loans gt Conventional Loans gt Loan Settlement to view Loan Settlement Loan Settlement Loan Settlement 23 08 2010 03 26 39 GMT 1000 Account Description Currency Sanctioned Loan 010000263 SHANE GOULD CHOJSHS073340003 AMMOTISED PENALTY CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOJSHS073340006 AMMOTISED PENALTY CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOJSHS073340007 AMMOTISED PENALTY CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOLRT2073340001 Vehicle Personal Loans CHO BANK FUTURA HEAD OFFICE USD 200 000 00 200 000 00 CHOLRT2073340003 Vehicle Personal Loans CHO BANK FUTURA HEAD OFFICE USD 1
7. MAIN_INT 12 00 FIXED 28 11 2005 Discounted Loans Product Name Interest Rate Interest Rate Type Effective Date PENALTY ON PRINCIPAL OVDU 12 00 FIXED 28 11 2005 Home Loans With Pre EMI Product Name Interest Rate Interest Rate Type Effective Date PENALTY ON INTEREST OVDU 12 00 FIXED 01 10 2010 Home Loans With Pre EMI Product Name Interest Rate Interest Rate Type Effective Date PENALTY ON PRINCIPAL OVDU 10 00 FIXED 01 10 2010 Vehicle Personal Loans Product Name Interest Rate Interest Rate Type Effective Date MAIN_INT 10 00 FIXED 28 11 2005 Field Description 33 ORACLE Loans Interest Rates Field Name Description Product Name Display This field displays the name of the product Interest rate Display This field displays the Rate of interest for the product Interest rate type Display This field displays the type of the interest rate for the product Effective date Display This field displays the effective date for the interest rate to be applicable 2 Click the gt gt button to go to the next page of Loan Rate Inquiry OR Click the lt lt button to go the previous page of Loan Rate inquiry 34 ORACLE Loan Calculator 9 Loan Calculator This option allows you to inquire the installment amount on the basis of Rate of interest and the installment amount you are willing to pay for the loan amount and the period for which you want the loan This option allows you to estimate the total i
8. NOTARY CONFIRMATI USD 10 000 00 10 000 00 MGRMLAAO080250040 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 Total for Loan Account USD Equivalent 2 041 802 20 Grand Total for All Loan Accounts USD Equivalent 2 041 802 20 Field Description Column Name Description Account Number Display This column displays the account number of the loan Currency Display This column displays the currency of the Loan Sanctioned Loan Display Amon This column displays the total sanctioned Loan amount Base Currency Display Equivalent This column displays the total sanctioned Loan amount in base currency 4 Click on the appropriate link under the Account Number column The system displays the Loan settlement details screen 22 ORACLE Loan Settlement Details Loan Settlement Loan Settlement Account Details Customer Id E01100091 Account Number E01LRT1073320004 18 03 2011 14 09 54 GMT 0530 Loan Tenure 12 Months 0 Days Product Name Home Loans With Pre EMI Currency GBP Loan Details Opening Date Sanctioned Loan Amount Interest Rate Amount Paid Till Date Installment Paid Principal Repayment Frequency Outstanding Loan Details Principal Balance Penalties Next Installment Date Installment Arrears Remaining Installments Transfer Details Source Account Select Transfer Amount Indicates mandatory field Maturit
9. and the currency Interest Display This column displays the amount of interest paid in the installment and the currency Principal Display This column displays the amount of principal paid in the installment and the currency 37 ORACLE Loan Calculator Principal Balance Display This column displays the amount of principal balance and the currency Balance Display This column displays the amount of total balance and the currency 3 Click the Download L button to download the complete statement The system displays the Outward Guarantee Amendment screen OR B Click the Reorder the list OR button to reorder the columns or select the columns that appear in Click the Print button to print the data OR Click the Edit led button to edit the number of columns Loan Calculator Download Loan Calculator 23 08 2010 03 41 50 GMT 1000 Download Type Page Layout 1 File Format Date Payment Interest Principal Principal Balance Balance rz Field Description Field Name Description 38 ORACLE Loan Calculator Field Name Description Download Type Mandatory Drop Down Select the appropriate report type from the drop down list The options available are e Page Layout File Format Conditional Drop Down Select the appropriate type of file format from the drop down list The options available are e PDF e XLS e HTML e RIF 4
10. 0 00 Adhoc Statement For Loans MEDIARY CHO BANK FUTURA HEAD OFFICE 100 000 00 100 000 00 CHOMOHS073340007 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE GBP 80 000 00 117 310 40 CHOMOHS073340009 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 Ev CHOMOH6073340001 MORTGAGE HOLIDAY PERIOD MOVE FORWAR CHO BANK FUTURA HEAD OFFICE USD 70 000 00 70 000 00 Jv COLCLP2073510007 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 J COLCLP2073510008 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 Sy COLCLP2073510009 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 COLCLP2080170014 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 MGRMLAA080250036 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI GBP 10 000 00 14 663 80 jv MGRMLAA080250039 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 MGRMLAA080250040 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 Total for Loan Account USD Equivalent 2 041 802 20 Grand Total for All Loan Accounts USD Equivalent 2 041 802 20 2 Click the Loan Repayment Inquiry hyperlink on the pop up of a particular loan account The system displays the Loan Repayment Inquiry screen with details OR 3 Navigate through the menus Loans gt Conventional Loans gt Loan Repaym
11. 00 00 100 000 00 Ev Loan Repayment Inquin SBR AMORTIZED CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 Bv DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 Bv oe DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 Ev amp Loan Schedule DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 Bv DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 Bv amp Adhoc Statement For Loans MEDIARY CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 jv CHOMOH5073340007 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE GBP 80 000 00 117 310 40 CHOMOHS073340009 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 jv CHOMOH6073340001 MORTGAGE HOLIDAY PERIOD MOVE FORWAR CHO BANK FUTURA HEAD OFFICE USD 70 000 00 70 000 00 COLCLP2073510007 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 COLCLP2073510008 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 COLCLP2073510009 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 E COLCLP2080170014 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 MGRMLAA080250036 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI GBP 10 000 00 14 663 80 fly MGRMLAA080250039 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 Ev MGRMLAA080250040 MORTGAGE LAON AUT
12. 00 000 00 100 000 00 CHOLSAA073340002 LINKING SAV AUTO DSBR AMORTIZED CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOMLAA073340001 MORTGAGE LAON AUTO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 CHOMLAAO073340009 MORTGAGE LAON AUTO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 CHOMLAA073340010 MORTGAGE LAON AUTO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 44073340013 MORTGAGE LAON AUTO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 CHOMLFI073340006 MORTGAGE FOR INTERMEDIARY CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOMOHS073340007 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE GBP 80 000 00 117 310 40 CHOMOHS073340009 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOMOH6073340001 MORTGAGE HOLIDAY PERIOD MOVE FORWAR CHO BANK FUTURA HEAD OFFICE USD 70 000 00 70 000 00 COLCLP2073510007 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 COLCLP2073510008 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 COLCLP2073510009 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 COLCLP2080170014 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 MGRMLAA080250036 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI 10 000 00 14 663 80 MGRMLAAO080250039 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND
13. 10 2010 12 00 QT1LCL1102830020 Active 31 10 2010 5 00 QT1LCL1102830020 Active 31 10 2010 12 00 Field Description Column Name Description Account Number Display This column displays the selected loan account numbers Status Display This column displays the loan account status Initiated Date Display This column displays the loan repayment initiation date 17 ORACLE Loan Repayment Inquiry Column Name Description Repaid Amount Display This column displays the repaid loan amount 5 Click the Account Number hyperlink to view the individual loan account repayment details The system displays the Loan Repayment Inquiry screen with the details Loan Repayment Inquiry Loan Repayment Inquiry 31 03 2011 13 00 00 GMT 0530 Loan Details Account Number QT1LCL1102830020 Product Home Loans With Pre EMI Loan Tenure 4 Months 22 Days Account Currency GBP Branch QT1 Sanctioned Loan Amount 50 000 00 Disbursed Loan Amount 48 000 00 Value Date 04 10 2010 Maturity Date 28 02 2011 Repayment Details User Reference Number QT1ZSTL10283002H Debit Branch QT1 Debit Account QT100177402 Debit Amount 165 69 Debit Currency GBP Installment Paid 0 Repayment Break Up Component Name Amount MAIN_INT 0 00 PRINCIPAL 165 69 Outstanding Balance Component Name Amount Currency ODPR_PNLTY 1 259 36 GBP ODIN_PNLTY 24 81 GBP MAIN_INT 0 00 GBP PRINCIPAL 95 729 31 GBP Total Outstanding Balance 97 013 48 GB
14. 3510007 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 jv COLCLP2073510008 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 COLCLP2073510009 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 zv COLCLP2080170014 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 jv MGRMLAA080250036 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI GBP 10 000 00 14 663 80 MGRMLAA080250039 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 zv MGRMLAA080250040 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 Total for Loan Account USD Equivalent 2 041 802 20 Grand Total for All Loan Accounts USD Equivalent 2 041 802 20 2 Click the Loan Account Activity hyperlink on the pop up The system displays the Loan Account Activity screen 3 Navigate through the menus Loans Conventional Loans Loan Account Activity to view Loan Account Activity Loan Activity Loan Activity 31 03 2011 13 00 00 GMT 0530 Select Account Select Transaction Both Debit and Credit Transactions Search By Current Period x From Date To Date Sort Value Date v Sort Order Descending Dates specified are the value dates Indicates mandatory field Indicates mandatory if particular option is
15. Acrobat Document 7 18KB From 10 180 81 240 harm your computer If you do not trust the source do not open or e While files from the Internet can be useful some files can potentially save this file What s the risk 11 Click the Open button to open the file OR Click the Save to download and save The system will save the file at the specified location Download Complete Download complete 3 Download Complete Saved 15488_1221550985601 CS from 10 22 91 122 Downloaded 406 bytes in 1 sec Download to C Docu 415488_1221550985601 cs Transfer rate 406 bytes Sec 1 Close this dialog box when download completes 12 Click the Open button to open the file OR Click the Open Folder button to open the folder in which the file is saved OR Click the Close button to close the Download projected details dialog box 45 ORACLE ORACLE Oracle FLEXCUBE Direct Banking Retail Loans User Manual October 2012 Version Number 12 0 1 0 0 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2008 2012 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END U
16. Maturity Date Disbursed Loan Amount Principal Penalty Rate Prepayment Penalty Interest Rate Interest Repayment Frequency Prepayment Penalty Amount Fees And Charges Next Installment Amount Loan Outstanding Interest Amount Still to be paid 31 03 2011 13 00 00 GMT 0530 12 Months 0 Days Home Loans With Pre EMI 04 10 2011 120 000 00 0 00 0 00 Monthly 0 00 0 00 0 00 110 011 45 920 55 Field Description Field Name Description Account Details ORACLE Field Customer Id Loan Tenure Account Number Product Name Currency Loan Details Opening Date Maturity Date Sanctioned Loan Amount Disbursed Loan Amount Interest Rate Principal Penalty Rate Amount paid till date Prepayment penalty interest rate Installment Paid Loan Details Description Display This field displays the customer ID s mapped Display This field displays the total tenure of the Loan Display This field displays the Loan account numbers under the customer ID Display This field displays the loan product name Display This field displays the base currency of the loan account Display This field displays the opening date of the loan account Display This field displays the maturity date of the loan account Display This field displays the sanctioned loan amount Display This field displays the loan amount disbursed till date
17. O DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 Total for Loan Account USD Equivalent 2 041 802 20 Grand Total for All Loan Accounts USD Equivalent 2 041 802 20 6 ORACLE Field description Field Name Description Loan Details Account Number Display This column displays the Account Number for the Loan accounts This column displays the base currency of the loan account Currency Display Sanctioned Loan Display Amount Base Currency Display Equivalent This field displays the sanctioned loan amount This field displays the sanctioned loan amount in Base Currency 1 Click the Account details link on the pop up to view the individual loan account details The system displays the Loan Account Details screen OR Navigate through the menus Loans gt Conventional Loans gt Loan Details to view Loan Details Loan Account Details Loan Account Details Account Details Customer Id QT2001774 Account Number QT1LCL1102770002 Currency GBP Loan Details Opening Date 04 10 2010 Sanctioned Loan Amount 120 000 00 Interest Rate 10 00 Amount Paid Till Date 0 00 Installment Paid 0 Principal Repayment Frequency Daily Outstanding Loan Details Principal Balance 109 090 90 Penalties 0 00 Next Installment Date 04 10 2011 Installment Arrears 111 499 87 Remaining Installments 10 Final Settlement Amount 110 011 45 Loan Tenure Product Name
18. Oracle FLEXCUBE Direct Banking Release 12 0 1 0 0 Retail Loans User Manual ORACLE FINANCIAL SERVICES Part No E52306 01 Loans User Manual Table of Contents 1 Transaction Host Integration 3 PAM m M 5 LOON cp eme RI 6 Wc e 10 5 Loan Repayment Nguy sson 15 En A MM MM EM d 21 T Loan Account ACHVIDy essi 27 Wer pg Co ANOS p 33 L s coca pan aoe oe bein Rind 35 10 Mortgage Calculator 41 ORACLE Transaction Host Integration Matrix 1 Transaction Host Integration Matrix Legends NH No Host Interface Required Host Interface to be developed separately Pre integrated Host interface available x Pre integrated Host interface not available Transaction Name FLEXCUBE UBS Third Party Host System Loan Details x Loan Account Activity x Loan Schedule x Loan Settlement x Loan Repayment Inquiry x Loan Interest Rate x Loan Calculator v Mortgage Rate Calculator x x Financing Details x Financing Schedule x 3 ORACLE Transaction Host Integration Matrix Transa
19. P Remaining Installments 4 Field Description Field Name Description Loan Details Account Number Display This field displays the loan account number Product Display This field displays the loan product name Loan Tenure Display This field displays the total loan tenure of the Loan 18 ORACLE Account Currency Branch Sanctioned Loan Amount Disbursed Loan Amount Value Date Maturity Date Repayment Details User Reference Number Debit Branch Debit Account Debit Amount Debit Currency Installment Paid Repayment Break Up Component Name Loan Repayment Inquiry Display This field displays the base currency of the loan account Display This field displays the branch of the loan account Display This field displays the sanctioned loan amount for the loan account Display This field displays the disbursed loan amount for the loan account Display This field displays the value date of the loan account Display This field displays the maturity date of the loan account Display This field displays the user reference number associated with the loan account Display This field displays the debit branch name Display This field displays the debit account number Display This field displays the loan amount debited Display This field displays the currency in which the loan amount is debited Display This field displays the tot
20. QT1LCL1102830020 Home Loans With Pre EMI QT1 QTi LONDON GBP 50 000 00 50 000 00 QT1LCL1103040001 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1103040002 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1103040003 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1103040016 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1103040024 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1103040026 Home Loans With Pre EMI QT1 QTi LONDON GBP 50 000 00 50 000 00 QT1LCL1110310010 Home Loans With Pre EMI QT1 QTi LONDON GBP 5 000 00 5 000 00 QT1LCL1110310011 Home Loans With Pre EMI QT1 QTi LONDON GBP 5 000 00 5 000 00 QT1LCL1110310013 Home Loans With Pre EMI QT1 QTi LONDON GBP 5 000 00 5 000 00 QT2LDS1110600002 Discounted Loans QT2 QT2 USA AED 50 000 00 2 490 04 QT2LDS1110600003 Discounted Loans QT2 QT2 USA AED 50 000 00 2 490 04 QT2LRE4110600002 Vehicle Personal Loans QT2 QT2 USA GBP 25 000 00 25 000 00 Total for Loan Account GBP Equivalent 2 308 491 49 Grand Total for All Loan Accounts GBP Equivalent 2 308 491 49 Field Description 11 ORACLE Loan Schedule Column Name Description Account Number Display This column displays the account number of the loan Currency Display This column displays the currency of the Loan Sanctioned Loan Display This column displays the total sanctioned Loan amoun
21. SD 10 000 00 10 000 00 E MGRMLAA080250040 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI USD 10 000 00 10 000 00 Total for Loan Account USD Equivalent 2 041 802 20 Grand Total for All Loan Accounts USD Equivalent 2 041 802 20 1 Click the Loan Schedule hyperlink on the pop up The system displays the Loan Schedule screen OR Navigate through the menus Loans Conventional Loans Loan Schedule to view Loan Schedule Loan Schedule Loan Schedule 31 03 2011 13 00 00 GMT 0530 Account Description Currency Sanctioned Loan QT2001774 Oxy Trading Inc Changed QT1LCL1102770002 Home Loans With Pre EMI QT1 QTi LONDON GBP 120 000 00 120 000 00 QT1LCL1102830003 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1102830004 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1102830006 Home Loans With Pre EMI QT1 QTi LONDON GBP 50 000 00 50 000 00 QT1LCL1102830012 Home Loans With Pre EMI QT1 QTi LONDON USD 120 000 00 198 830 22 QT1LCL1102830013 Home Loans With Pre EMI QT1 QTi LONDON USD 56 000 00 92 787 43 QT1LCL1102830014 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1102830016 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1102830017 Home Loans With Pre EMI QT1 QTi LONDON USD 65 000 00 107 699 70 QT1LCL1102830019 Home Loans With Pre EMI QTi QTi LONDON GBP 50 000 00 50 000 00
22. SERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or intended for use in any inherently dangerous applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreeme
23. UTURA HEAD OFFICE CHO BANK FUTURA HEAD OFFICE uso 100 000 00 100 000 00 a Loan Details CHO BANK FUTURA HEAD OFFICE uso 100 000 00 100 000 00 5 FUTURA HEAD OFFICE 200 000 00 200 000 00 Loan Account Activit 5 FUTURA HEAD OFFICE uso 100 000 00 100 000 00 E Repayment Inaui SBR AMORTIZED CHO BANK FUTURA HEAD OFFICE usD 100 000 00 100 000 00 a FO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE uso 10 000 00 10 000 00 M Loan Settlement DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 d Loan Schedule DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE usD 10 000 00 10 000 00 ay DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE usD 10 000 00 10 000 00 4 adhoc statement For Loans MEDIARY CHO BANK FUTURA HEAD OFFICE uso 100 000 00 100 000 00 CHOMOHS073340007 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE GBP 80 000 00 117 310 40 CHOMOHS073340009 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE usD 100 000 00 100 000 00 J CHOMOH6073340001 MORTGAGE HOLIDAY PERIOD MOVE FORWAR CHO BANK FUTURA HEAD OFFICE usD 70 000 00 70 000 00 COLCLP2073510007 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 J COLCLP2073510008 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 J COLCLP2073510009 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 E COLCLP2080170014 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00
24. al number of installments paid Display This column displays the various components under which the loan repayment amount is divided 19 ORACLE Loan Repayment Inquiry Amount Display This column displays the component level breakup of the loan repayment amount Outstanding Balance Component Name Display This column displays the various components under which the loan amount is outstanding Amount Display This column displays the component level breakup of the outstanding loan amount Currency Display This column displays the currency of the outstanding loan amount 6 Click the OK button The system displays the initial Loan Repayment Inquiry screen 20 ORACLE Loan Settlement 6 Loan Settlement This option allows you to pay off outstanding balance in your loan account You can transfer funds from another account to pay off the balance amount You can settle the loan by repaying the amount from the account and thus the settlement will be done This settlement could be the settlement of complete amount or the partial amount as per the amount of repayment done To view loan details 1 Navigate through the menus to Loan Details The system displays the Loan Account Details screen Loan Account Details Loan Account Details Account Description Currency Sanctioned Loan 010000263 SHANE GOULD ICHOEHSOJSSAG00S CHO BANK CHO BANK FUTURA HEAD OFFICE usD 100 000 00 100 000 00 Hy F
25. ays the unpaid installment amount Display This field displays the cumulated principal outstanding penalty interest fees service charges and installment amount Display This field displays the total number of remaining installments Display This field displays the final settlement amount Display This field displays the total interest applicable to the loan account 2 Click the Back button The system displays the initial Loan Account Details screen 9 ORACLE Loan Schedule 4 Loan Schedule Customers may have loan accounts pertaining to different products amounts and variants This option allows you to view individual loan parameters This is similar to the amortization schedule prepared for every loan Every equated monthly installment consists of majorly two components e Principal e interest The schedule shows how every installment is part interest and part principal Loan Account Details 10 ORACLE Loan Schedule Loan Account Details 23 08 2010 03 47 46 GMT 1000 EE Sanctioned Loan USD Account Description Currency A unt Equivalent 010000263 SHANE GOULD B CHO BANK FUTURA HEAD OFFICE usD 100 000 00 100 000 00 U 73340003 E FUTURA HEAD OFFICE CHO BANK FUTURA HEAD OFFICE usb 100 000 00 100 000 00 gt Loan Details CHO BANK FUTURA HEAD OFFICE uso 100 000 00 100 000 00 B 5 CHO BANK FUTURA HEAD OFFICE usb 200 000 00 200 000 00 m amp Loan Ac
26. can get an indicative estimate of the total interest payable and monthly instalment for a mortgage of specific amount interest rate and period A repayment schedule shall also be generated on the basis of the details provided by you anda repayment schedule shall display the interest and principal component and the due date of each installment To User Mortgage Calculator 1 Navigate through the menus to Tools gt Mortgage Rate Calculator Mortgage Calculator Mortgage Rate Calculator 23 08 2010 03 43 22 GMT 1000 Please enter the following Loan Amount Term in Years Select Rate of Interest Select Calculate Field Description 41 ORACLE Mortgage Calculator Field Name Description Loan Amount Mandatory Numeric 18 2 Type the principal amount to be taken as Loan Term in years Mandatory Dropdown Select the term for which the mortgage loan is required from the dropdown list Rate of Interest Mandatory Dropdown Select the rate of interest for the mortgage loan from the dropdown list 6 Click the Calculate button the system displays the loan schedule details screen Mortgage Rate Calculator Mortgage Rate 000000000 25 08 2010 03 45 28 GMT 1090 Please enter the following Loan Amount 110000 Term Years 3 m Rate of Interest 525 Calculate Projected Details Total Interest 0 00 Total Payment 10 000 00 Monthly Installment 833 33
27. count Activit 5 FUTURA HEAD OFFICE uso 100 000 00 100 000 00 Loan Repayment SBR AMORTIZED CHO BANK FUTURA HEAD OFFICE usD 100 000 00 100 000 00 B FO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE uso 10 000 00 10 000 00 JER Loan Settlement DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE usD 10 000 00 10 000 00 Ev Loan Schedule FO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE usD 10 000 00 10 000 00 Bv DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE usD 10 000 00 10 000 00 GS Adhoc Statement For Loans MEDIARY CHO BANK FUTURA HEAD OFFICE uso 100 000 00 100 000 00 E CHOMOHS073340007 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE GBP 80 000 00 117 310 40 E CHOMOHS073340009 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE usD 100 000 00 100 000 00 E CHOMOH6073340001 MORTGAGE HOLIDAY PERIOD MOVE FORWAR CHO BANK FUTURA HEAD OFFICE usD 70 000 00 70 000 00 E COLCLP2073510007 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 E COLCLP2073510008 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 E COLCLP2073510009 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 E COLCLP2080170014 Vehicle Personal Loans COL BANK OF USA GBP 150 000 00 219 957 00 E MGRMLAA080250036 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI GBP 10 000 00 14 663 80 E MGRMLAA080250039 MORTGAGE LAON AUTO DSBR AMORTISED MGR MORGAGE GROUP AND NOTARY CONFIRMATI U
28. ction Name FLEXCUBE UBS Third Party Host System Financing Repayment x Inquiry Financing Settlement x Financing Account Activity x Financing Profit Rates x Inquiry 4 ORACLE Introduction 2 Introduction The loans module includes transactions which enable you to view loan details loan transaction activity repayments done repayment schedule and the available loan interest rates for various loan products The Loan module also includes transactions for calculation of Loan amount and calculation of mortgage amount that you can avail 5 ORACLE Loan Details 3 Loan Details The Loan Details option allows you to view the details of loan accounts Loan Repayment Inquiry Loan Details Loan account activity Loan settlement all these transactions can be viewed through Loan details You can view the details of individual loan account number by clicking the account number link Loan Account Details Loan Account Details 23 08 2010 03 47 46 GMT 1000 Account Description Currency Senctioned Loan nt 010000263 SHANE GOULD CHOJSHS073340003 CHO BANK CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 zv FUTURA HEAD OFFICE CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 Loan Details CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 lv 5 FUTURA HEAD OFFICE USD 200 000 00 200 000 00 EM amp 5 FUTURA HEAD OFFICE USD 100 0
29. enabled Field Description Field Name Description Select Account Mandatory Drop Down Select the loan account for which you will view the activity statement from the drop down list 28 ORACLE Field Transaction Search No of Transactions From Date To Date Loan Account Activity Description Mandatory Drop Down Select the type of transaction from the dropdown list The options are as follows e Both Debits and Credits e Only Debits e Only Credits Mandatory Drop Down Select the search period from the dropdown list The options are as follows e Current Period Previous Period Last n Transactions Last n days Today s Transactions e Yesterdays transactions e Previous week e Previous fortnight e Previous month e Previous Quarter e Last 6 months e Specified Period Conditional Numeric 15 Type the number of days transaction depending upon the type of selection for days or transaction This field is enabled if you have selected no of days transactions in the search by field Conditional Pick List Select the start date of the period This field is enabled if the Specified Period is selected from the Search By drop down list Conditional Pick List Select the end date of the period This field is enabled if the Specified Period is selected from the Search By drop down list 29 ORACLE Loan Account Activ
30. ent Inquiry to access Loan Rpayment Inquiry Loan Repayment Inquiry Loan Repayment Inquiry 31 03 2011 13 00 00 GMT 0530 Loan Account Select vi Repaid Amount Repayment From Date Repayment Date Field Description Field Name Description Loan Account Mandatory Drop Down Select the loan account for which the Repayment inquiry is to be done from the drop down list 16 ORACLE Loan Repayment Inquiry Field Name Description Repaid Amount Optional Numeric 10 Type the repaid amount for search criterion Repayment From Conditional Pick List Die Select the start date of the period for the search criterion Repayment To Conditional Pick List Date Select the end date of the period for the search criterion 4 Enter the search criteria 5 Click the Submit button The system displays the the Loan Repayment Inquiry screen with the details Loan Repayment Inquiry Loan Repayment Inquiry 31 03 2011 13 00 00 GMT 0530 Loan Account 072001774 QT1LCL1102830020 QTi LONDON Repaid Amount Repayment From Date Repayment Date Account Number Status Initiated Date Repaid Amount QT1LCL1102830020 Active 10 10 2010 165 69 QT1LCL1102830020 Active 10 10 2010 5 00 QT1LCL1102830020 Active 10 10 2010 20 00 QT1LCL1102830020 Active 10 10 2010 20 00 QT1LCL1102830020 Active 10 10 2010 25 00 T1LCL1102830020 Active 10 10 2010 35 00 QT1LCL1102830020 Active 31
31. ils screen 27 ORACLE Loan Account Activity Loan Account Details Loan Account Details 23 08 2010 03 47 46 GMT 1000 Sue Sanctioned Loan USD Account Description Currency Amount Equivalent 010000263 SHANE GOULD CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOJSHS073340003 CHO BANK iv FUTURA HEAD OFFICE CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 jv amp Loan Detalle CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 lv 5 FUTURA HEAD OFFICE USD 200 000 00 200 000 00 s CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 ajv amp Loan Repayment Inqui SBR AMORTIZED CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 ajv TO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 Fa Loan Settlement DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 Ev amp Loan Schedule DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 v TO DSBR AMORTISED CHO BANK FUTURA HEAD OFFICE USD 10 000 00 10 000 00 amp Adhoc Statement For Loans v MEDIARY CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 iv CHOMOHS073340007 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE GBP 80 000 00 117 310 40 CHOMOHS073340009 MORTGAGE HOLIDAY PERIOD CHO BANK FUTURA HEAD OFFICE USD 100 000 00 100 000 00 CHOMOH6073340001 MORTGAGE HOLIDAY PERIOD MOVE FORWAR CHO BANK FUTURA HEAD OFFICE USD 70 000 00 70 000 00 jv COLCLP207
32. ity Field Name Description Sort By Mandatory Drop Down Select the type of sorting from this drop down list The options are as follows e Transaction Date e Amount e Value Date Sort Order Mandatory Drop Down Select the sort order from the drop down list The options are as follows e Ascending e Descending 4 Select the search criteria from the drop down list 5 Click the Submit button The system displays the Loan Activity screen with the search results Loan Activity 31 03 2011 13 00 00 GMT 0530 Loan Activity Select Account 072001774 QT1LCL1102830006 QT1 LONDON v Transaction Type Both Debit and Credit Transactions x Search Last n wed v m No of Transactions From Date BH To Date 88 Sort Value Date v Sort Order Descending v Dates specified are the value dates Indicates mandatory field Indicates mandatory if particular option is enabled Account Number Account Currency QT1LCL1102830006 GBP Pages 2 1 2 Transaction Date Value Date Transaction Reference No Description Debit Credit 31 03 2011 31 03 2011 QT1ZTRF1109003UL 1 87 31 03 2011 31 03 2011 QT1ZTRF1109003UN 0 13 03 03 2011 03 03 2011 QT1ZTRF11062038W 2 93 03 03 2011 03 03 2011 QT1ZTRF11062038Y 0 07 15 02 2011 15 02 2011 QT1ZTRF11046028Z 26 78 Select Download Format Download Field Description 30 ORACLE Field Loan Account Ac
33. ment Date 01 94 2011 First Due Date 01 05 2011 No Of Installments 15 Projected Details Total Interest 70 285 60 Total Payment 1 000 000 00 Monthly Installment 107 028 56 Last Payment Date 01 02 2012 BBB Records 1 to 10 of 10 Page 1 of 1 Date Payment Interest Principal Principal Balance Balance 01 05 2011 GBP 107 028 56 GBP 12 328 77 GBP 94 699 79 GBP 905 300 21 GBP 892 971 44 01 06 2011 GBP 107 028 56 GBP 11 533 28 GBP 95 495 28 GBP 809 804 93 GBP 785 942 88 01 07 2011 GBP 107 028 56 GBP 9 983 90 GBP 97 044 66 GBP 712 760 27 GBP 678 914 32 01 08 2011 GBP 107 028 56 GBP 9 080 37 GBP 97 948 19 GBP 614 812 08 GBP 571 885 76 01 09 2011 GBP 107 028 56 GBP 7 832 54 GBP 99 196 02 GBP 515 616 06 GBP 464 857 20 01 10 2011 GBP 107 028 56 GBP 6 356 91 GBP 100 671 65 GBP 414 944 41 GBP 357 828 64 01 11 2011 GBP 107 028 56 GBP 5 286 28 GBP 101 742 28 GBP 313 202 13 GBP 250 800 08 01 12 2011 GBP 107 028 56 GBP 3 861 40 GBP 103 167 16 GBP 210 034 97 GBP 143 771 52 01 01 2012 GBP 107 028 56 GBP 2 675 79 GBP 104 352 77 GBP 105 682 20 GBP 36 742 96 01 02 2012 GBP 107 028 56 GBP 1 346 36 GBP 105 682 20 GBP 0 00 GBP 70 285 60 This information is provided for illustration purposes only It does not constitute a quote The figures are estimates and do not account for amounts being rounded off Column Description Column Name Description Date Display This column displays the date of first installment Payment Display This column displays the installment amount
34. n Name Installment No Due Date Principal Interest Amount Charge Amount Installment Amount Unpaid installment amount Status Loan Schedule Description Display This field displays the Account number of the Loan account Display This field displays the name of the product of the Loan Display This field displays the number of installments paid Display This field displays the total number of remaining installments Display This field displays the currency of the Loan account Display This field displays the total sanctioned loan amount Description Display This column displays the serial number of the installment The schedule lists all the installments in serial order Display This column displays the date on which the installment becomes payable If paid after this date it might attract a penalty Display This column displays the Principal amount due on the due date Display This column displays the interest component of the installment amount Display This column displays any penalty or additional charges levied on the loan account Display This column displays the total installment amount payable Display This column displays the total unpaid installment amount from the total loan amount Display This column displays the status of the loan 13 ORACLE Loan Schedule 3 Click the Back button to navigate to the Loan schedule main screen
35. nsfer Amount OR This field displays the next installment amount Display This field displays the unpaid installment amount Display This field displays the cumulated principal outstanding penalty interest fees service charges and installment amount Display This field displays the total number of remaining installments Display This field displays the total interest applicable to the loan account Mandatory Drop Down Select the appropriate account from the drop down list The account should have the necessary funds for debit and transfer to the loan account Mandatory Numeric 15 Type the amount that is to be transferred from the source account to the loan account Click the Submit button The system displays the Loan Settlement Verify screen Click the Back button to return to the previous screen 25 ORACLE Loan Settlement Loan Settlement Verify Loan Settlement Verify 31 03 2011 13 00 00 GMT 0530 Account Details Customer 14 QT2001774 Loan Tenure 4 Months Account Number QT1LCL1102830020 Product QTL Currency GBP Transaction Details Source Account QT100177909 Destination Account QT1LCL1102830020 Transfer Amount 10 000 00 Currency GBP 5 Click the Confirm button The system displays the Loan Settlement Confirm screen OR Click the Change button to change any of the parameters of payment Loan Settlement Confirm Loan Amount Transferred Suce
36. nt or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited 46 ORACLE The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and services Oracle Corporation and its affiliates will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Hardware and Software Engineered to Work Together 47 ORACLE
37. nterest payable and monthly instalment on specifying total loan amount interest rate and period of loan A loan amortization schedule can also be generated on the basis of the details provided by you A loan amortization schedule displays the interest and principal component and the due date of each installment To view Loan Calculator 1 Navigate through the menus to Tools gt Loan Calculator 35 ORACLE Loan Calculator Loan calculator Please enter the following Principal Amount 1000000 GBP Interest Rate 15 Loan Disbursement Date 01 04 2011 First Due Date 51 55 2011 No Of Installments 19 Calculate Field Description Field Name Description Principal Amount Mandatory Numeric 18 2 Type the principal amount to be taken as loan Interest rate Mandatory Numeric 13 2 Type the interest rate at which the amount will be calculated Loan Mandatory Pick list PD Select the date on which the loan disbursement is to be done First due date Mandatory Pick list Select the first due date of the loan No of installments Mandatory Numeric Type the number of installments for the loan 2 Click the Calculate button The system displays the Loan calculator with projected details Screen 36 ORACLE Loan Calculator Loan Calculator Loan Calculator 31 03 2011 13 00 00 GMT 0530 Please enter the following Principal Amount 1000000 Interest Rate 5 Loan Disburse
38. ssfully Transaction submitted for Loan Settlement having reference 249080202329071 has been Auto Authorized Loan Settlement Confirm 31 03 2011 13 00 00 GMT 0530 Host Reference Number QT1ZSTL11090001N Account Details Customer Id QT2001774 Loan Tenure 4 Months Account Number QT1LCL1102830020 Product Name QT1 Currency GBP Transaction Details Source Account QT100177909 Destination Account QT1LCL1102830020 Transfer Amount 10 000 00 Currency GBP Settle Another Loan 6 Click the Settle Another Loan button The system returns you to the Loan Summary screen 26 ORACLE 7 Loan Account Activity This option allows you to view all the activity that has occurred in your account for a given period The option allows you to select a transaction type debit credit or both a date range and a sorting order It allows you to view the outstanding balance in your loan account The statement displays the transaction date the value date and the amount of debit or credit depending on what you have selected It also gives you an option of downloading the statement in Microsoft Excel format This option should ideally used when you want to check the activity in your loan account over a period of time It is a useful method of tracking any discrepancies or reconciling it with other budgetary activities To view the loan account activity 1 Navigate through the menus to Loan Details The system displays the Loan Account Deta
39. t Base Currency Display Equivalent This column displays the total sanctioned Loan amount in Base Equivalent currency 2 To view the schedule of a particular account click on the appropriate link under the Account Number column The system displays the schedule details of the loan in the Loan Schedule screen Loan Schedule Loan Schedule 31 03 2011 13 00 00 GMT 0530 Account Details Customer Id QT2001774 Loan Tenure 3 Month Account Number QT1LCL1102830014 Product Name Home Loans With Pre EMI Installment Paid 0 Remaining Installments 4 Currency USD Sanctioned Loan Amount 65 000 00 Loan Schedule Details Unpaid Installment Installment Due Date Principal Interest Amount Charge Amount Installment Amount Amount Status 1 31 10 2010 0 00 0 00 47 87 47 87 0 00 Paid 2 04 11 2010 21 461 13 485 86 0 00 21 946 99 21 535 62 Unpaid 3 04 12 2010 21 674 75 558 68 0 00 22 233 43 22 233 43 Unpaid 4 04 01 2011 21 864 12 577 31 0 00 22 441 43 22 441 43 Unpaid 5 28 01 2011 61 793 72 446 95 0 00 62 240 67 62 240 67 Unpaid 6 31 03 2011 0 00 0 00 2 247 44 2 247 44 2 247 44 Unpaid Field Description Field Name Description Account details Customer Id Display This field displays the Customer id of the Loan tenure Display This field displays the total tenure of the Loan 12 ORACLE Field Name Account Number Product Name Installment Paid Remaining installments Currency Sanctioned Loan amount Colum
40. t Paid till date Display This field displays the Loan amount that has been paid till date for the loan account Prepayment penalty Display interest rate This field displays the prepayment penalty interest rate for the loan account Installment Paid Display This field displays the total number of installments paid till date Total Amount to be Display Repaid This field displays the final settlement amount Principal Repayment Display Frequency This field displays the payment frequency of the principal Interest Repayment Display Frequency This field displays the payment frequency of the interest Outstanding Loan details Principal Balance Display This field displays the outstanding Principle balance on the loan account Prepayment Penalty Display amount This field displays the prepayment penalty amount applicable if the loan amount is paid in advance or before maturity Penalties Display This field displays the penalties that have been paid till date 24 ORACLE Field Loan Settlement Description Fees And Charges Next Installment Date Display This field displays the fees and service charges applied on the loan account Display This field displays the due date of the next installment Next Installment Amount Display Installment Arrears Loan Outstanding Remaining installments Interest amount still to be paid Transfer Details Source Account Tra
41. tivity Description Account Number Account Currency Column Name Display This field displays the loan account number for which you have generated the statement Display This field displays the default currency in which the account transactions are conducted Description Transaction Date Value Date Transaction Reference Number Description Debit Credit Field Name Display This column displays the date on which the transaction has taken place Display This column displays the date on which the transaction has actually been credited or debited into the account This date could be different from the transaction date Display This column displays Transaction Reference Number for the said transaction Display This column displays description about the transaction Display This column displays the amount of debit Display This column displays the amount of credit Description Select Download Format Optional Drop Down Select the appropriate format in which you want to download the activity statement from the drop down list The options are Excel Format PDF Format 6 Select the format from the Select Download Format drop down list 7 Click the Download button The system displays the File Download dialog box File Download 31 ORACLE Loan Account Activity File Download Do you want to open or save this file pe Name 1273_1292050571763 pdf
42. urrency Balance Display Outstanding This column displays the amount of balance outstanding and the currency Click the Download button to download complete statement The system displays the Outward Guarantee Amendment screen OR B Click the Reorder the list OR button to reorder the columns or select the columns that appear in Click the Print button to print the data OR Click the Edit le button to edit the number of column 43 ORACLE Mortgage Calculator Download Mortgage Rate Calculator Mortgage Rate Calculator 23 08 2010 03 46 20 GMT 1000 Download Type Page Layout v File Format Month Loan Amount EMI Interest Principal Balance Outstanding Field Description Field Name Description Download Type Mandatory Drop Down Select the appropriate report type from the drop down list The available choices are Page Layout File Format Conditional Drop Down Select the appropriate type of file format from the drop down list The options available are e PDF XLS e HTML e RIF 8 Select the download type and file format from the drop down list 9 Click the button to exclude the options for downloading 10 Click the button to include the options for downloading 44 ORACLE Mortgage Calculator File Download File Download Do you want to open or save this file Name 1784 SRReport 1271142413280 pdF Adobe
43. y Date 29 09 2008 Disbursed Loan Amount 0 00 Principal Penalty Rate 12 00 Prepayment Penalty Interest 4 00 Rate Total Amount to be Repaid 0 00 Interest Repayment Frequency Monthly Prepayment Penalty Amount 0 00 Fees And Charges 0 00 Next Installment Amount 0 00 Loan Outstanding 0 00 Interest Amount Still to be paid 0 00 wv GBP Field Description Field Name Description Account Details Customer Id Loan Tenure Account Number Product Name Currency Loan Details Opening Date Display This field displays the customer ID of the customer Display This field displays the total tenure of the loan Display This field displays the loan account number Display This field displays the loan product name Display This field displays the currency of the outstanding loan amount Display This field displays the Opening date of the loan account 23 ORACLE Loan Settlement Field Name Description Maturity Date Display This field displays the maturity date of the loan account Sanctioned Loan Display Amount This field displays the Sanctioned Loan Amount for the loan account Disbursed Loan Amount Display This field displays the disbursed Loan amount for the loan account Interest rate Display This field displays the interest rate for the Loan Principle penalty Rate Display This field displays the penalty rate for the principal amount Amoun
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