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| Question | Outcome |
|---|---|
| What do we do with product level limits, such as max loan term, min/max interest etc. Proposal is to ignore them, as this is already a feature for exception cases. | |
| Do we want to store historical schedules in the same loan schedule table? This might have negative effects on performance of that table. It also avoids the need to go in and change all areas of code (reports/jobs/loans package) that use this code. | |
| Right now the reschedule is a simple maker/checker workflow, do we want to extend it to the more extensive, create / pending approval / approved / declined workflow? | |
| We have the ability to classify loans as NPA, do we need to automatically do this for restructured loans? (some regulations do require this) |
Out of Scope
- Flexible loan schedules. Even though the feature might re-use a lot of code from this feature we do not want to implement it straight away to reduce complexity. At the same time this process should take place before creating loan, rescheduling is after the disbursement.
- Rescheduling of interest on past instalments
- Rescheduling of instalments that have already been fully or partially paid.
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