Add a loan so the budget drops it when it matures

A budget is a single-year snapshot, so a "Loan Repayment" expense line has no idea the loan is a 5-year note. Roll the budget forward past the final payment and it keeps charging owners forever. The Loans & debt register fixes that: each loan carries its own schedule, so the budget drafter funds the payment while the loan is live and DROPS it the year after the final payment — future-year dues fall automatically.

Where it lives:
Accounting → Budgeting, in the "Loans & debt" panel (below the capital plan). It sits with budgeting because that is what it feeds.

To add a loan:
1. Open Accounting → Budgeting and find the "Loans & debt" panel.
2. Click "Add loan".
3. Enter the loan name (e.g. "Roof replacement loan") and, optionally, the lender.
4. Enter the original principal and the interest rate, OR — if you have the loan statement — enter the annual payment directly and leave principal blank (the balance is figured for you).
5. Enter the start year (the first fiscal year a payment is due) and the term in years.
6. Choose the GL account the payment posts to — the expense account like "5260 Loan Repayment".
7. The panel shows the computed annual payment, the monthly equivalent, the payoff year, and total interest before you save. Click "Save loan".

How maturity works:
The final payment year is the start year plus the term, minus one. A 5-year loan whose first payment is FY2026 has its final payment in FY2030, so it is charged for FY2026 through FY2030 and drops off starting FY2031. Every loan card and every generated budget calls out the year it drops off and the annual dues relief when it does.

What the budget does with it:
When you auto-draft or roll a budget forward, each active loan's payment is placed on its GL account for that year and the rolled-forward "static" line for that account is replaced by the schedule. Once the loan matures, nothing is re-added — the line disappears and, because dues are solved from the budget, the assessment falls. The draft's "Loan maturity" note shows exactly which loans feed the year and which have dropped off.

Editing and removing:
Edit a loan any time to correct the rate, term, or payment. Removing a loan stops future drafts from funding it; budgets you already drafted keep their lines.

Note: this register is for loans your association already HOLDS against an outside lender. It is separate from any lending Turtini originates.