Loans (Préstamos)

The Loans screen shows all active loans in your portfolio. Each loan is linked to a customer and contains a complete installment calendar generated at disbursement time.

Loan List

When you open the Loans tab, you see a list of all loans with their current status:

Overdue loans are visually flagged. The loan card shows the days overdue and the total overdue amount (mora accumulated).

Loan Detail Screen

Tapping a loan opens its detail screen, which shows:

• Loan Code (e.g., LN-A1B2C3)
• Borrower name and link to their customer profile
• Principal, interest rate, total amount, installment amount
• Disbursement date, first and last installment dates
• Payment frequency (Daily, Weekly, Bi-weekly, Monthly)
• Late payment rate (mora %)
• The complete Installment Schedule — each row showing due date, expected amount, paid amount, remaining balance, and whether it is overdue

Recording a Payment (Abono)

Payments are recorded per installment. To record a payment:

1. In the loan detail screen, tap the installment you want to pay.
2. The Payment Panel opens, showing:
   • The installment's expected amount
   • The amount already paid (PaidAmount)
   • The remaining balance (Balance)
3. Enter the amount being paid in the input field.
4. Tap Confirm Payment.

Payment Rules (enforced by the system)

• Cannot pay zero or negative amounts — the system rejects amounts ≤ 0.
• Cannot overpay an installment — the payment amount cannot exceed the installment's remaining balance. If you try, the system returns Error_PaymentExceedsBalance.
• Cannot pay an already paid installment — attempting this returns Error_InstallmentAlreadyPaid.
• Partial payments are allowed — you can pay less than the full installment amount. The remaining balance stays on the installment and it remains marked as unpaid.

Auto Loan Completion

When you record a payment that causes the last unpaid installment to reach a zero balance, the system automatically changes the loan's status from Active to PaidOff. No manual step is required.

Overdue Installments (Mora)

Overdue status is computed at disbursement and updated by a background job. An installment is overdue if its DueDate is in the past and IsPaid = false.

The overdue amount on each installment is calculated as:

OverdueAmount = ExpectedAmount × (LatePaymentRate ÷ 100 ÷ 30) × DaysOverdue

When recording a payment on an overdue installment, the DaysOverdue counter is reset to 0 upon payment confirmation.

Loan History

Each payment recorded creates a permanent Payment record linked to the installment. You can view the full payment history for a loan by scrolling through the installment schedule — each paid installment shows the PaymentDate and the amounts applied.