A per-loan repayment cannot apply more principal than the loan's current tracked balance.
Two Balance Errors
- Older snapshot-reconciliation marker — the message says the loan was last set by an older snapshot reconciliation and the repayment is larger than the current tracked balance.
- Generic balance limit — the message says the payment exceeds the remaining loan balance.
The first state can remain on loans that were adjusted by a previous snapshot flow. Current production snapshot saves do not create a new proportional adjustment or silently rewrite an existing tracked loan.
Review the Record
- Open the loan detail page and review Current Balance.
- Review the repayment amount and payment type. Interest-only amounts do not reduce principal; principal and mixed payments do.
- Log no more principal than the current tracked balance.
- If the figures disagree, review the dated statement and loan history. Where automatic snapshot reconciliation is enabled, a saved correction also attempts to reconcile the account; an unresolved status stays visible. Where it is disabled, the existing Use the statement action may be available. A saved statement is not itself proof that the account balance reconciled.
If a newly saved snapshot is still showing a detected-repayment follow-up, accepting Log repayment records the event and applies it once. Policy Stack checks for an already-recorded snapshot balance event and never reduces the balance twice.
Generic Error Checks
For also verify that: