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Variable Rate Contracts

Variable Rate Contracts

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Published by: Avijit Banerjee on Jul 09, 2013
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12/06/2013

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 Variable Rate ContractsOracle Lease Management(OKL.H)
 An Oracle White Paper February 2006 
 
 Variable Rate Contracts
Executive Overview..........................................................................................5
 
Introduction.......................................................................................................5
 
Payment Structure.........................................................................................5
 
Rate Change Parameters..............................................................................6
 
Impact of interest rate change.....................................................................6
 
Billing..............................................................................................................6
 
Cash Application...........................................................................................7
 
Revenue Recognition...................................................................................7
 
Paydown.........................................................................................................7
 
Features...............................................................................................................7
 
Interest Calculation Basis: Reamort...........................................................7
 
Interest Calculation Basis: Float Factor.....................................................7
 
Interest Calculation Basis: Fixed.................................................................7
 
Interest Calculation Basis: Float.................................................................8
 
Interest Calculation Basis: Catchup / Cleanup.........................................8
 
Revenue Recognition Method: Streams....................................................8
 
Revenue Recognition Method: Estimated and Billed..............................8
 
Revenue Recognition Method: Actual.......................................................8
 
Business Scenarios.............................................................................................8
 
Lease...............................................................................................................8
 
Recalculate contract payments on an interest rate change.................8
 
Bill additional amount on interest rate change.....................................9
 
Loans..............................................................................................................9
 
Recalculate contract payments on an interest rate change.................9
 
Calculate interest billing on applicable rates.......................................10
 
Catchup interest on a separate schedule to regular billing...............10
 
Bill fixed amount and reduce principal on receipt of cash...............11
 
Recalculate contract payments on an interest rate change and reduceprincipal on cash receipt........................................................................11
 
Billed interest changes with rate change and reduce principal onreceipt of cash.........................................................................................12
 
Revolving Loans.........................................................................................12
 
Calculate interest billing on applicable rates.......................................12
 
Billed interest changes with rate change and reduce principal onreceipt of cash.........................................................................................13
 
Sample Contract 1...........................................................................................13
 
Calculate Interest Billing on Applicable Rates for a Loan....................13
 
Variable Rate Contracts Page 2
 
Contract Data..........................................................................................14
 
 Transactions............................................................................................16
 
Pricing......................................................................................................16
 
Billing and Cash......................................................................................18
 
Interest Calculation................................................................................20
 
 Accounting..............................................................................................21
 
Setups.......................................................................................................21
 
Sample Contract 2...........................................................................................23
 
Calculate Interest Billing on Applicable Rates for a Revolving Loan.23
 
Contract Data..........................................................................................24
 
 Transactions............................................................................................25
 
Pricing......................................................................................................26
 
Billing and Cash......................................................................................26
 
Interest Calculation................................................................................26
 
 Accounting..............................................................................................27
 
Setups.......................................................................................................27
 
Sample Contract 3...........................................................................................29
 
Catchup interest on a separate schedule to regular billing for a Loan29
 
Contract Data..........................................................................................29
 
 Transactions............................................................................................31
 
Pricing......................................................................................................33
 
Billing and Cash......................................................................................34
 
Interest Calculation................................................................................35
 
 Accounting..............................................................................................36
 
Setups.......................................................................................................37
 
Sample Contract 4...........................................................................................39
 
Bill fixed amount and reduce principal on receipt of cash for a Loan39
 
Contract Data..........................................................................................39
 
 Transactions............................................................................................41
 
Pricing......................................................................................................42
 
Billing and Cash......................................................................................43
 
Interest Calculation................................................................................44
 
 Accounting..............................................................................................44
 
Setups.......................................................................................................45
 
Sample Contract 5...........................................................................................47
 
Recalculate payments on interest rate change for a Lease....................47
 
Contract Data..........................................................................................48
 
 Transactions............................................................................................49
 
Pricing......................................................................................................50
 
 Accounting..............................................................................................52
 
Setups.......................................................................................................52
 
Navigation........................................................................................................53
 
 Accounting..............................................................................................53
 
 Accruals...................................................................................................54
 
Billing.......................................................................................................54
 
Booking....................................................................................................54
 
Variable Rate Contracts Page 3

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