> ## Documentation Index
> Fetch the complete documentation index at: https://help.agatabo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Viewing Loan Details

> Access loan information, installment schedules, and payment history

## Overview

Loan details pages provide comprehensive information about a loan including installment schedule, payment history, securities, and current status.

## Accessing Loan Details

<Steps>
  <Step title="Navigate to Loans">
    Click Loans in sidebar
  </Step>

  <Step title="Find the loan">
    Use search or browse active loans list
  </Step>

  <Step title="Click on loan row">
    Opens detailed loan view
  </Step>
</Steps>

## Loan Overview Section

**Key information displayed**:

* **Loan Account Number**: Unique loan identifier
* **Status**: Loan classification (current, special mention, substandard, etc.)
* **Borrower**: Organization user's name and profile
* **Principal Amount**: Original loan amount
* **Interest Rate**: Percentage and type (monthly/yearly)
* **Period**: Loan duration in months
* **Calculation Type**: Simple, Compound, or Reducing Balance
* **Interest Payment**: In Advance (Upfront) or With Installments
* **Installment Type**: Equal Principal or Equal Total (Amortized)
* **Payment Allocation**: Interest First, Principal First, or Proportional
* **Disbursement Fee**: Fee charged (if applicable)
* **Total Interest**: Total interest amount (if applicable)
* **Purpose**: Loan purpose description
* **Start Date**: When the loan started
* **Created At**: When loan was created in the system
* **Modification History**: If loan has been modified

## Installment Schedule

Shows all planned payments:

| Column            | Description                            |
| ----------------- | -------------------------------------- |
| **#**             | Installment number (1, 2, 3...)        |
| **Due Date**      | When payment should be made            |
| **Principal**     | Principal portion of payment           |
| **Interest**      | Interest portion of payment            |
| **Total**         | Principal + Interest                   |
| **Balance After** | Remaining principal after payment      |
| **Status**        | Paid, Partially Paid, Overdue, Pending |

**Example schedule** for 100,000 RWF at 5% monthly, 12 months, EQUAL\_TOTAL:

| # | Due Date   | Principal | Interest | Total  | Balance | Status     |
| - | ---------- | --------- | -------- | ------ | ------- | ---------- |
| 1 | 2026-07-08 | 7,361     | 5,000    | 12,361 | 92,639  | Paid ✅     |
| 2 | 2026-08-08 | 7,729     | 4,632    | 12,361 | 84,910  | Paid ✅     |
| 3 | 2026-09-08 | 8,115     | 4,246    | 12,361 | 76,795  | Overdue ⚠️ |
| 4 | 2026-10-08 | 8,521     | 3,840    | 12,361 | 68,274  | Pending    |

Click installment row to see payment details if paid.

## Payment History

All recorded loan payments:

| Column       | Description                                         |
| ------------ | --------------------------------------------------- |
| **Date**     | When payment was made                               |
| **Amount**   | Total payment amount                                |
| **Document** | Download link if receipt attached, or "No document" |
| **Actions**  | Edit and Delete buttons (if permitted)              |

**Actions available**:

* **Add Payment** - Record new payment (if loan active)
* **Edit** - Modify payment details (if in open period)
* **Delete** - Remove payment (if in open period)

## Securities

Security details for the loan:

**For each security item**:

* **Type**: GUARANTOR, COLLATERAL, or SAVINGS
* **Amount**: Security value

**Guarantor details**:

* Name
* Email
* Phone

**Collateral details**:

* Description

**Savings details**:

* Type: "Own savings pledge"

**Documents**: Download links for attached security documents

**Security Summary**:

* Total Security Amount
* Coverage Ratio (percentage of principal covered, color-coded)

## Loan Rules

Shows configuration used:

* Interest Calculation Type (SIMPLE, COMPOUND, REDUCING\_BALANCE)
* Interest Payment Timing (IN\_ADVANCE, WITH\_INSTALLMENTS)
* Installment Type (EQUAL\_PRINCIPAL, EQUAL\_TOTAL)
* Payment Allocation Order (INTEREST\_FIRST, etc.)

[Learn about loan rules →](/tontines/loans/loan-rules-explained)

## Installment Details

Click on any installment row to expand and see:

**Outstanding amounts**:

* Total Outstanding (color-coded: red if > 0, green if 0)
* Principal Outstanding
* Interest Outstanding
* Payment Date Status (EARLY/ON\_TIME/LATE if paid)

## Quick Actions

Available actions (depending on permissions and loan status):

**Top header actions**:

* **Download Statement** - Export PDF statement with loan accounts
* **Default Loan** - Mark loan as defaulted (if active)
* **Undo Default** - Reverse default status (if defaulted)
* **Delete Loan** - Remove entire loan (use with caution)

**Within sections**:

* **Modify Loan** - Increase principal or extend period (in loan overview)
* **Add Payment** - Record new payment (in payments section)
* **Edit Payment** - Modify payment details (per payment)
* **Delete Payment** - Remove payment record (per payment)
* **Apply Penalty** - Charge late fees (in penalty periods)
* **Delete Penalty** - Remove applied penalty (per penalty)
* **Undo Modification** - Reverse loan modification

## Penalty Periods

If loan has penalties (and you have permission):

**Summary stats**:

* Unapplied Penalties (count)
* Applied Penalties (count)
* Outstanding Amount

**Tabs**:

* **Unapplied Penalties**: Penalties calculated but not yet charged
* **Applied Penalties**: Penalties formally charged to the loan

**Actions**:

* Apply individual penalty
* Apply all penalties for an installment
* Delete applied penalty
* Delete all applied penalties for an installment

## Downloading Loan Statement

Generate PDF statement with complete loan account history:

<Steps>
  <Step title="Click 'Download Statement'">
    Button in top header
  </Step>

  <Step title="Select date range">
    Choose All Time or Custom Range
  </Step>

  <Step title="Download">
    PDF includes loan receivable, interest receivable, and penalty receivable accounts
  </Step>
</Steps>

## Need Help?

<CardGroup cols={2}>
  <Card title="Recording Loan Payments" icon="money-bill-transfer" href="/tontines/loans/recording-loan-payments">
    Track member repayments
  </Card>

  <Card title="Applying Penalties" icon="circle-exclamation" href="/tontines/loans/applying-penalties">
    Charge late fees
  </Card>

  <Card title="Modifying Loans" icon="pen-to-square" href="/tontines/loans/modifying-loans">
    Increase principal or extend period
  </Card>

  <Card title="Loan Analytics" icon="chart-line" href="/tontines/loans/loan-analytics">
    Portfolio health tracking
  </Card>
</CardGroup>