Customize and modify a schedule

Particeep Finstore offers 3 repayment methods when creating a loan or bond transaction

Constant reimbursement: maturity reimbursement (principal + interest) identical to each period
Infine reimbursement: reimbursement of the entire capital and interest at the last due date.
The Constant Coupon reimbursement: reimbursement of interest at each period, reimbursement of the total capital at the last period.

It is nevertheless possible to personalize your repayment method (constant capital, recapitalization of interest ...) by importing a personalized schedule.

Creation of a personalized schedule

Here is an example of a schedule: Constant capital repayment

The columns of the custom schedule are as follows:

Date: due date
Capital: monthly payment to be repaid on each due date
Interest: amount of interest at each maturity
Taxes: amount of taxes applied to the interest to be deducted from the reimbursed installments. Only investors with the tax payment option activated on their profile will be impacted
Capital remains to pay: remaining capital of which must be equal to 0 at the last due date

In our example we have:

Initial capital = € 10,000
Interest rate: 1% / month (12% / year)
Duration: 12 months
Taxes: 30%

To enter the personalized schedule, multiply by 100 the amounts of the actual schedule.

So we have in the file on the first line:

Capital: € 100 reimbursed each month (in the € 100 x100 file)
Interest: 1% of 1000 € or 10 € (in the file 10 € x 100)
Taxes: 30% of interest (in the file 3 € x100)
Capital remains to pay: remaining capital of which is 1000 € - 1000 € or 900 € (in the file 900 € x100)

Important: The amounts are not in euros but in euro cents

What should I watch out for when building my schedule?

The amount of reimbursement: It must be the minimum between the minimum investment amount and the investment step.
The date: It must be in ISO8601 format, i.e. in the following form: yyyy-mm-ddThh: mi: ss
The amounts: The amounts are not in euros but in euro cents (you must multiply x 100), so they cannot contain commas (decimals).

The administrator can import as many custom schedules as he wants, the old one will be replaced by the new one.

How to import a personalized schedule?

Import schedule before project launch

Go to Products -> product selection -> actions -> edit the operation
Click on Import custom schedule -> Download the sample file or use the Constant capital reimbursement file
Complete the excel file and save it in .csv (UTF-8)
Import the file and click on Confirm.

Import schedule after project closure

Click on Products -> product choice -> ACTIONS -> Repayment schedule
Click on CUSTOM TIMELINE IMPORT -> IMPORT A FILE

Important: You can import a schedule at the end of the project only if no reimbursement of the schedule has taken place.