with p as
 ( select 1000000 as debt_amt, to_date('01.03.2017','DD.MM.RRRR') as p_start_date, 12 as debt_term from dual)
, i as
 ( --select 3 as month_till, 0.01 as ir from dual union select 6, 10 from dual union all select 12, 30 from dual
    select (select debt_term from p) as month_till, 45 as ir from dual  
 )
, r as
 ( select ir, month_till, nvl(lead (month_till,1) over (partition by null order by month_till desc),0) + 1 as month_from from i)
, rc as
 ( select g.m, r.* , 1 / (1 + r.IR /100 / 12 ) as KPCost
   from (select level as m from dual connect by level <= (select debt_term from p) ) g
  left join r on g.m between r.month_from and month_till
 ) 
, coef as 
 ( select m, IR, KPCost, exp( sum ( ln(KPCost) ) over (ORDER BY m RANGE UNBOUNDED PRECEDING)) as sumKPCost from rc order by m
 )
, t (m, ir, main_debt, ttl_pay, profit_pay) as
 ( select  1 as m
         , (select to_char(ir,'999D99') || '%' from r where 1 between r.month_from and r.month_till) as ir
         , (select debt_amt from p) as main_debt
         , (select debt_amt / (select sum ( sumKPCost ) as MonthlyPay from coef) from p ) as ttl_pay
         , (select debt_amt from p)*(select ir/100/12 from r where 1 between r.month_from and r.month_till) as profit_pay 
   from dual
   union all
   select  m+1 as m
         , (select to_char(ir,'999D99') || '%' from r where m+1 between r.month_from and r.month_till) as ir   
         , main_debt-ttl_pay+profit_pay as main_debt
         , ttl_pay
         , (main_debt-ttl_pay+profit_pay)*(select ir/100/12 from r where m+1 between r.month_from and r.month_till) as profit_pay
   from t where m < (select debt_term from p)
 )
, ttl as 
(
 select add_months((select p_start_date from p),m) as pay_date, ttl_pay, profit_pay, ttl_pay-profit_pay as main_pay, main_debt-ttl_pay+profit_pay as rem_debt_amt from t order by 1 
)
select to_char(p_start_date,'DD.MM.RRRR') as "Дата платежа", 0 as "Платеж за период", 0 as "Вознаграждение", 0 as "Основной долг", debt_amt as "Остаток ости" from p
union all
select to_char(pay_date,'DD.MM.RRRR'), round(ttl_pay,2), round(profit_pay,2), round(main_pay,2), round(rem_debt_amt,2) from ttl
union all
select 'Итого', round(sum(ttl_pay),2), round(sum(profit_pay),2), round(sum(main_pay),2), null from ttl;

15.02.2017 день выдачи
01.03.2017
01.04.2017
01.05.2017
01.06.2017
01.07.2017
01.08.2017
01.09.2017
01.10.2017
01.11.2017
01.12.2017
01.01.2018
01.02.2018
15.02.2018 окончательное погашение

SQL> with t as (
  2             select date '2017-02-15' loan_date,12 loan_term from dual
  3            )
  4  select  case level
  5            when 1 then loan_date
  6            when loan_term + 2 then add_months(loan_date,loan_term)
  7            else add_months(trunc(loan_date,'mm'),level - 1)
  8          end dt
  9    from  t
 10    connect by level <= loan_term + 2 * sign(loan_date - trunc(loan_date,'mm'))
 11  /

DT
---------
15-FEB-17
01-MAR-17
01-APR-17
01-MAY-17
01-JUN-17
01-JUL-17
01-AUG-17
01-SEP-17
01-OCT-17
01-NOV-17
01-DEC-17
01-JAN-18
01-FEB-18
15-FEB-18

14 rows selected.

SQL>