ActualPaymentTest003
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Net effect |
Payment status |
Balance status |
New charges |
Charges portion |
Actuarial interest |
New interest |
Interest portion |
Principal portion |
Charges balance |
Interest balance |
Principal balance |
Settlement figure |
| 0 |
2022-11-01 |
1,500.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.0000 |
1,500.00 |
1,500.00 |
| 2 |
2022-11-03 |
n/a |
n/a |
0 |
0.00 |
confirmed 491.53 |
491.53 |
extra payment |
open |
n/a |
0.00 |
24.0000 |
24.0000 |
24.00 |
467.53 |
0.00 |
0.0000 |
1,032.47 |
1,032.47 |
| 4 |
2022-11-05 |
n/a |
n/a |
0 |
0.00 |
confirmed 491.53 |
491.53 |
extra payment |
open |
n/a |
0.00 |
16.5195 |
16.5195 |
16.51 |
475.02 |
0.00 |
0.0000 |
557.45 |
557.45 |
| 14 |
2022-11-15 |
n/a |
original 491.53 |
1 |
0.00 |
n/a |
0.00 |
nothing due |
open |
n/a |
0.00 |
44.5960 |
44.5960 |
0.00 |
0.00 |
0.00 |
44.5960 |
557.45 |
602.04 |
| 44 |
2022-12-15 |
n/a |
original 491.53 |
2 |
0.00 |
n/a |
0.00 |
nothing due |
open |
n/a |
0.00 |
133.7880 |
133.7880 |
0.00 |
0.00 |
0.00 |
178.3840 |
557.45 |
735.83 |
| 75 |
2023-01-15 |
n/a |
original 491.53 |
3 |
491.53 |
n/a |
0.00 |
missed payment |
open |
late payment 10.00 |
0.00 |
138.2476 |
138.2476 |
0.00 |
0.00 |
10.00 |
316.6316 |
557.45 |
884.08 |
| 106 |
2023-02-15 |
n/a |
original 491.53 |
4 |
491.53 |
n/a |
0.00 |
missed payment |
open |
late payment 10.00 |
0.00 |
138.2476 |
138.2476 |
0.00 |
0.00 |
20.00 |
454.8792 |
557.45 |
1,032.32 |
| 134 |
2023-03-15 |
n/a |
original 491.53 |
5 |
491.53 |
n/a |
0.00 |
paid later in full |
open |
late payment 10.00 |
0.00 |
124.8688 |
124.8688 |
0.00 |
0.00 |
30.00 |
579.7480 |
557.45 |
1,167.19 |
| ★ 140 |
2023-03-21 |
n/a |
n/a |
5 |
0.00 |
confirmed 1,193.95 |
1,193.95 |
extra payment |
closed |
n/a |
30.00 |
26.7576 |
26.7576 |
606.50 |
557.45 |
0.00 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.3081 % per day |
Final cost-to-borrowing ratio: 45.13 % |
| Required scheduled payment count: 5 |
Last required scheduled payment day: 134 |
| Final actual payment count: 3 |
Last actual payment day: 140 |
Description
Made 2 payments on early repayment, then one single payment after the full balance is overdue
Generated: see details
Basic Parameters
| Evaluation Date |
2023-03-21 |
| Start Date |
2022-11-01 |
| Principal |
1,500.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 5 |
| unit-period config: monthly from 2022-11 on 15 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Interest options |
| standard rate: 0.8 % per day |
method: actuarial |
| rounding: rounded down |
APR method: UK FCA to 1 d.p. |
| cap: total 100 %; daily 0.8 % |
|
Advanced Parameters
| Payment options |
| scheduling: as scheduled |
timeout: 3 days |
| minimum: defer or write off up to 0.50 |
|
| Interest options |
| initial grace period: 3 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
|
| Fee options |
no fee
|
| Charge options |
| Type |
Charge |
Grouping |
Holidays |
| late payment |
10.00 | one charge per day | n/a |
|
| Settlement day | n/a |
| Trim unrequired payments | false |
Initial Schedule
| Day |
Scheduled payment |
Actuarial interest |
Interest portion |
Principal portion |
Interest balance |
Principal balance |
Total actuarial interest |
Total interest |
Total principal |
| 0 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.0000 |
0.00 |
0.00 |
| 14 |
491.53 |
168.0000 |
168.00 |
323.53 |
0.00 |
1,176.47 |
168.0000 |
168.00 |
323.53 |
| 44 |
491.53 |
282.3528 |
282.35 |
209.18 |
0.00 |
967.29 |
450.3528 |
450.35 |
532.71 |
| 75 |
491.53 |
239.8879 |
239.88 |
251.65 |
0.00 |
715.64 |
690.2407 |
690.23 |
784.36 |
| 106 |
491.53 |
177.4787 |
177.47 |
314.06 |
0.00 |
401.58 |
867.7194 |
867.70 |
1,098.42 |
| 134 |
491.53 |
89.9539 |
89.95 |
401.58 |
0.00 |
0.00 |
957.6734 |
957.65 |
1,500.00 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 63.84 % |
Initial APR: 1314.1 % |
| Level payment: 491.53 |
Final payment: 491.53 |
Last scheduled payment day: 134 |
| Total scheduled payments: 2,457.65 |
Total principal: 1,500.00 |
Total interest: 957.65 |
FSharp.Finance.Personal