Fixed
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The remaining principal of an interest loan follows the money you booked, not the calendar
(#954, reported in #935). Loan payments always carried a free amount - paying 500 instead of the
planned 300 was accepted and stored - but the displayed remaining principal was read off the
original amortization schedule at position n: whoever paid extra saw none of it, and the number
on screen was wrong, not merely incomplete. It now replays the recorded payments (interest share
per installment at that installment's phase rate, the rest amortizes), so an extra payment lowers
the balance one to one and a short payment - honestly - does not count as a full installment.
Paying exactly the annuity yields the same figures as before. The forecast figures next to it
(monthly payment, total interest, remaining term) deliberately stay plan-based: they describe the
contract, not the account balance.Two consequences of following the money, both from review: a gap in the installment numbers (a
deleted payment, a later number booked directly) counts as a zero payment, so its period interest
accrues instead of silently vanishing. And a loan whose real balance reaches zero is paid -
status flips, no further installment is offered or accepted - even though plan installments were
never booked: the future plan interest of an early payoff is nobody's debt.