If the lender pays not the whole rate,
- why is the part booked as interest and not as rpayment?
- why is there a small difference in the interst that are shown and that are booked?

i.e.
L13205886 0.41 € 0.19 € 0.00 €

but
22.09.2013 Repayment +0.15 € Awaiting
22.09.2013 Interest +0.27 € Awaiting (paid 0.20 €)

19ct vs. 20ct?

OR:
20.09.2013 00:00 Interest S13203946 / L13204138 +0.00 €
21.09.2013 10:00 Interest S13203946 / L13204138 +0.29 €
but
Interests: 0.30 € 6.42 €
and more
20.09.2013 Interest +0.31 € Completed 21.09.2013

Who can understand that?

Oktaeder
If the lender pays not the whole rate,- why is the part booked as interest and not as rpayment?- why is there a small difference in the interst that are shown and that are booked?i.e.L13205886 0.41 € 0.19 € 0.00 €but22.09.2013 Repayment +0.15 € Awaiting22.09.2013 Interest +0.27 € Awaiting (paid 0.20 €) 19ct vs. 20ct?OR:20.09.2013 00:00 Interest S13203946 / L13204138 +0.00 € 21.09.2013 10:00 Interest S13203946 / L13204138 +0.29 € butInterests: 0.30 € 6.42 €and more20.09.2013 Interest +0.31 € Completed 21.09.2013 Who can understand that?

If the borrower pays not the full amount, the system firstly takes money back for interest and penalties then for the principal repayment, this order is defined in portal general terms.

The small interest difference comes from rounding. In borrower schedule the interest is rounded up and in investors schedule down. Our calculations have been rounded to five decimal places. For example the borrower has to pay interest 0.34678 euros, in the borrower schedule this is rounded to 0.35 euros, the investor still receives 0.34678 euros, but it is rounded down to 0.34 euros in the schedule.

vlk494
The small interest difference comes from rounding.

May be.
But the following isn't all right definitly:
short term loan 10€.

Payment schedule
Due date Description Amount Status
18.09.2013 Credit -10.00 € Completed 18.09.2013
18.09.2013 Interest +0.18 € Completed 18.09.2013
18.10.2013 Repayment +10.00 € Completed 19.10.2013

Paid Unpaid
Principal: 10.00 € 0.00 €

But

History Installments Received Loaned
19.10.2013 0.00 € 9.99 € 0.00 €

I can't see any reason for rounding down when the whole interest is to be payed.
There are a lot of 0,00€ bookings too in my account.

I assume you mean contract S13222407. You did receive payments for this contract on 18 and 19 October, you can see this if you open the investment and click on the repayment line. Right Repayment date was 18, but borrower made a full repayment on the 19. On the 18 borrower had small amount of the money left in virtual account, the system automatically divide it between investors, you did receive 0,00007 €. Rest of the 0,00 bookings should be because of the same reason.

OK thank you for your explanation. The 0,00€ booking do I understand now.
But what does 9,99€ mean in fact?
In this case 10€-0,00007 €?
It would be much clearer if we could the more diigits, i.e. by mouseover.

Oktaeder
OK thank you for your explanation. The 0,00€ booking do I understand now.But what does 9,99€ mean in fact?In this case 10€-0,00007 €?It would be much clearer if we could the more diigits, i.e. by mouseover.

Yes. In this case it is 10€-0,00007 €. In future system updates we might add a option to see more accurate amounts, but I cant promise anything.

For me it is much clearer now. As long as all the money arrives and the calculations are correct, I am ok with weird roundings.

I have another question concerning the topic. What happens to overdue charge that does not amount to 0.01 Euro? Will it be added up with future overdue charges until the 1 cent is full? And how much percent is the overdue rate?

I've seen 1 or 2 0,00€ bookings, where the acount raised by 1ct. Yes, I think so.
Thank @vlk for your anser, I studied math and had never seen 9,9999993 or so rounded to 9,99 ;) But it's ok now.

vlk494
In future system updates we might add a option to see more accurate amounts, but I cant promise anything.

Hello admin - when will this future arrives? I m also waiting to see the real unrounded values.

There is no plan to add this option