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

# Edit the fee schedule

> Change the standing fees applied to every loan: the rate, whether GCT applies, how the fee is treated, and whether it is active.

The fee schedule holds the standing fees applied to every loan of each type in your credit union. The processing fee, the legal fee, valuation, stamp duty, and the rest.

These are the defaults. They pre-fill the disbursement screen when a loan is funded. A Disbursement officer can still waive or adjust a single loan's fees at that point, but the catalogue you set here is where the standard numbers live.

**Required role:** Administrator or Credit Manager (`fees.manage` capability). A Branch Manager cannot edit fees.

To access the fee schedule, navigate to **Administration → Fee schedule**. The route is `/admin/fees`.

## What you can change

Each fee is one row. You edit it in place and save that row on its own.

| Field                          | What it does                                                                                                                    |
| ------------------------------ | ------------------------------------------------------------------------------------------------------------------------------- |
| **Label**                      | The name officers see, for example "Processing fee".                                                                            |
| **Rate**                       | The percentage for a percent-based fee, for example `2` for 2%.                                                                 |
| **Amount**                     | The flat amount in J$ for a fixed fee, for example a J$5,000 registration fee.                                                  |
| **Charge 15% GCT on this fee** | The GCT flag. Tick it and the platform adds 15% GCT to the fee. Leave it off for a GCT-exempt fee like an insurance premium.    |
| **Treatment**                  | How the fee affects the cash the member receives. One of **Deducted from proceeds**, **Paid separately**, or **Added to loan**. |
| **Active**                     | Untick to retire a fee without deleting it. An inactive fee stops pre-filling the disbursement screen.                          |

Each row also shows the fee's code (like `PROCESSING`) and which loan types it applies to, so you can tell the unsecured processing fee from the mortgage one at a glance.

<Note>
  The stamp duty fee has no editable rate. Its amount is worked out by the
  Jamaica stamp and mortgage duty formula, so the row shows "Computed by the
  Jamaica stamp-duty formula" instead of a rate field. You can still change its
  label, GCT flag, treatment, and active state.
</Note>

## Changing the service fee

The processing fee is the one you are most likely to change. It ships at 2% on unsecured and auto loans and 1% on cash-secured and mortgage loans, and it is GCT-taxable. To change it, open **Fee schedule**, find the processing row for the loan type, type the new percentage into **Rate**, and click **Save**.

The new rate takes effect on the next loan funded against that schedule. Loans already disbursed keep the fee that was captured on them; the disbursement record is an immutable snapshot.

## What happens at funding

The fee schedule is the source. The disbursement screen is where a single loan's fees are finalised. When a loan is ready to disburse, its applicable schedule fees pre-fill, and the Disbursement officer can waive or adjust them for that one loan. See [Fees, deductions, and GCT](/disbursement/fees-and-gct) for how a fee reduces the gross loan down to the net the member receives, and how GCT is applied.

## Every save is audited

Each save records a `tenant.fee_schedule.updated` audit event with the before and after values, so every change to a standing fee is traceable to who made it and when.

<Warning>
  The fee schedule sets the standard for every future loan of that type. A
  Disbursement officer can waive a fee on one loan, but changing the catalogue
  here changes it for all loans funded afterward. Confirm the rate before you
  save.
</Warning>