/* Without HP and deposit, Down Payment(GST) = Total(GST) */
        if nvl(v_deposit, 0) = 0 and nvl(v_loan_amt, 0) = 0 then 
           v_gst_fr_dps := 0;
           v_gst_hp := 0;
           v_gst_bal_pay := v_total_gst;
/* Only without HP, Down Payment(GST) = Total(GST) - Deposit(GST) */
       elsif nvl(v_loan_amt, 0) = 0 then            
           v_gst_fr_dps  := round(nvl(v_deposit,0)/
                               (100+nvl(v_gst_per,0)) * 
                               nvl(v_gst_per,0), 2);
           v_gst_hp := 0;
           v_gst_bal_pay := v_total_gst - v_gst_fr_dps;
      end if;