Still reproducible in 7.1z. After discussing with Carlos, changed from improvement to Bug and minor to Major.
It does not validate on create as mentioned by Hiep, and this causes that when there is already a valid Payment Schedule if you add an additional line with an amount != 0, the Pay Schedule is not valid anymore, but the parent record is checked as valid until the Validate button is pressed. I think the behavior should be consistent in all the CRUD actions.
I think when new record, validate is also auto run.