wish: report exclude income in transfers

- which report, displaying what ?

- have you setup a dedicated account for the mortgage and transfer the reimbursement monthly from your main account to the mortgage account ?

my goal is to understand mostly your usage and how you set it up into HB.
I feel like maybe I should create a loan/mortgage account type for that, and make a rule in the report computing that consider transfer from any account to this type of account as real debit.

I think making it that way would be a good thing

you did'nt answered one of my question:
- have you setup a dedicated account for the mortgage and transfer the reimbursement monthly from your main account to the mortgage account ?

ok, I do think what your want is the opposite of:
"Would it be possible to allow the system not to include the "income" side of a transfer in a report?"

because, right now, transfer are excluded by default so,

if you setup a loan/mortgage account (this type does not exists right now)
if you have recurrent transfer to reimburse every month, you don't see the expense (from your bank account)

if you set this loan account to -10000 start balance
and today have done 5 transfer of 1000 for last 5 month, the report will ignore transfer so nothing is shown

but if you edit the filter and include transfer, you will have -5000 (from source account) exp, and +5000 income (into your loan account) shown

what is required here is that:
- you can set an account as loan/mortgage type (to be created)
- any transfer credit to this type of account is ignored (same as today)
- but any debit to this type of account remains into the report

correct ?

I too like the original poster want to be able to track these payments.
this solution sounds good as it would allow us to follow the payments into the loan/mortgage type.
this would allow us to see the payment in the top spending (as a transfer doesn't show this right now). being able to track this would be great, and seeing the account balance approaching 0 would be satisfying.

still unclear, as there is several way to follow mortgage/loan into HomeBank.

for example a house mortgage a 200k
- a specific account with a initial balance a -200k then you reimburse with 1k/month
- a specific account with a start txn of -200k then you reimburse with 1k/month
- other maybe

Is anyone can setup a little example file and post it here ?
+ explain in which report he want to see what ?

As asked by Maxime, here is one example with the Demo file.

CONTEXT
January 1st: loan of 200 000 Euro. There is one payment paid monthly
I want to quickly follow the remaining of the loan and take a view of how many interests are paid for this loan.
My financial institution give me a monthly report of the transactions of the loan, including interests.

SUMMARY STEPS
- Create one account with all relevant informations for the loan
- Every time I send a payment to the loan account, I use the "transfert" type of HomeBank
- In the Loan, I created one transaction of type "expense". I include pertinent information: date, category "loan:interests", etc. [ note: the interests information is located in my financial institution report ]
- Subsequent interests transactions are created with the HomeBank feature "inherit" and modify date and amount

RESULT
I can now have a view of the remaining loan amount and I can calculate total interests paid.

thx TG, now that we have a common use case to discuss, here are a few more questions/suggestion:

since 5.6, you have
#1989211 stats report preference to include/exclude transfer by default

=> if you select this option

1)in the home where your money goes home chart = this would not help

2)in the balance report, transfer are included, so when you select "Loan_ACKME_BANK"
  expense are interest
  income are capital reimbursed
  the balance show the reimbursement progression
=> so there is nothing to do, right here ?

3) in trend time report
  amount columns shows exp+inc = not very useful
=> do you suggest something here ?

4) stats report : total
  by category OR by account can shows sum of interest (exp) / capital (inc) for the period
=> do you suggest something here ?

4) stats report : time
  by category
   loan:capital show nothing because of both part of each transfer
   loan:interest shows the interest
=> do you suggest something here ?

  by account
   in balance mode, show the balance evolution going to 0
=> do you suggest something here ?

Finally I was think of adding a filter to enable income transfer / expense transfer
=> but not sure it will be helpful.

--------

If I post back the initial request here:
Would it be possible to allow the system not to include the "income" side of a transfer in a report?
mdo: => yes, that the filter option I propose to add

At the moment I have my mortgage listed in home bank, I like to see its value etc.
mdo: => ok this is the way TG configured into the example file (I would have done the same configuration)

However, I would like to be able to transfer money to it from my other account, and see it the mortgage payment as an "expense" but as it is a transfer I don't see this.
mdo: => sorry but that's the part I don't get to understand
 - from the cheque account it is an expense
 - from the load account this is an income
 => see the report detail above.

Thanks for your additional input.

Here my input with my previous example with differents options to discuss.
My answers are a reply to your questions with your context in mind.
Your remarks and questions are excellent to facilitate the discussion.

*
FEATURES, OPTIONS AND USER RULES
Option : checkmark to the option "Include transfer"
User rules: both sides of a transfer transaction must be filled with a category (or by subCategory by extension).
(** to discuss) LOAN account: By default, it should be A)Exclude from all reports except for specials accounts reports/charts (ex. loan, investment, etc.)
(** to discuss) LOAN reports/charts: Reports and charts based only on LOAN ACCOUNTS with fixed variables (capital, interest)
(** to discuss) Transfert Transactions are allowed to split.
(** to discuss) I suggest to lock category menu if option "Include transfer" is uncheck for all transaction of type "transfer". User can see category menu, but it is greyed and user can not edit it AND split should'nt be allowed.

SUMMARY STEPS
- Create one account with all relevant informations for the loan
- Every time I send a payment from "Cheque account" to "Loan_ACKME_BANK", I use the "transfer" type of HomeBank. I assign "Loan" category and this information appears on the home chart
- In the "Loan_ACKME_BANK", I split the transaction in two amounts: one for interests and one for capital. Interest and capital are set on a drop-down menu that is set in lieu of the user categories. So "interest" and "capital" are variables used on specials reports/charts for loans
- Subsequent transactions are manually split and filled with capital/interest.
- User can open a loan report to appreciate total loan account evolution on time and see the impact of each reimbursement on a graphic (weekly, monthly, etc.)
- Optional in the "Loan_ACKME_BANK": user can create a VOID transaction with info of the date of change of rate of the loan for information (screenshot attached)

Maxime questions (with updated context)
1) Yes. User can now know that 500 Euros a used to repay a loan on a monthly base. Besides that, user can take a look at a special custom chart (to developp if accepted) for loan to appreciate the evolution of the loan value over time, and others dimensions (capital, interest)

2) In my updated example, balance will have to adjust based on capital and interest

3) A time report with a line over time for the loan. Under that line, we can see evolution of the capital.
Y axis: 0, 20k Euros ... 250k Euros
X axis: time (weekly, fortnight, monthly, etc.)
First line: total of loan evolution
Secondary line: total capital reimbursed

Note: in this version, capital and interest are not a user category. They are variables

4) See previous comment

**
One drawback of my comments it's the need to develop instead of reuse of existing features.

FYI, I'm also interested in this case.
At first glance, I didn't catch the point, as in my case, I have two account, the "bank" and the "loan", and both are OFX imported.
**BUT** (and it is where it become interesting), the money I spend from my main account isn't, of course, the money I see on the other side, as refund of capital.

...And it is clear that I don't have a view of what I am spending in interests.

If you have a fixed rate, it's not a big deal, we just have to retake the original tables from the bank, every thing is already written and known.

But I also discovered recently that an other loan was with a moving rate. ... And it was going up and high ! The capital refunding dropped more than half with this $@#&$#@ !

So, it's not a priority, but I have interest in this : Being able to split the amount and track how much go to waste and how much go to the capital.