ActualPaymentTest013
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Net effect |
Payment status |
Balance status |
Actuarial interest |
New interest |
Interest portion |
Fee rebate if settled |
Fee rebate |
Fee portion |
Principal portion |
Interest balance |
Fee balance |
Principal balance |
Settlement figure |
| 0 |
2022-04-30 |
2,500.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
3,861.75 |
0.00 |
0.00 |
0.00 |
0.0000 |
3,861.75 |
2,500.00 |
6,361.75 |
| 6 |
2022-05-06 |
n/a |
original 271.37 |
1 |
271.37 |
n/a |
0.00 |
missed payment |
open |
10.4054 |
10.4054 |
0.00 |
3,723.01 |
0.00 |
0.00 |
0.00 |
10.4054 |
3,861.75 |
2,500.00 |
2,649.14 |
| 13 |
2022-05-13 |
n/a |
original 271.37 |
2 |
271.37 |
confirmed 271.37 |
271.37 |
payment made |
open |
12.1396 |
12.1396 |
22.54 |
3,561.14 |
0.00 |
151.05 |
97.78 |
0.0000 |
3,710.70 |
2,402.22 |
2,551.78 |
| 20 |
2022-05-20 |
n/a |
original 271.37 |
3 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
11.6648 |
11.6648 |
0.00 |
3,399.27 |
0.00 |
0.00 |
0.00 |
11.6648 |
3,710.70 |
2,402.22 |
2,725.31 |
| 23 |
2022-05-23 |
n/a |
n/a |
3 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
4.9992 |
4.9992 |
16.66 |
3,329.90 |
0.00 |
154.62 |
100.09 |
0.0000 |
3,556.08 |
2,302.13 |
2,528.31 |
| 27 |
2022-05-27 |
n/a |
original 271.37 |
4 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
6.3879 |
6.3879 |
0.00 |
3,237.40 |
0.00 |
0.00 |
0.00 |
6.3879 |
3,556.08 |
2,302.13 |
2,627.19 |
| 31 |
2022-05-31 |
n/a |
n/a |
4 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
6.3879 |
6.3879 |
12.77 |
3,144.90 |
0.00 |
156.98 |
101.62 |
0.0000 |
3,399.10 |
2,200.51 |
2,454.71 |
| 34 |
2022-06-03 |
n/a |
original 271.37 |
5 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
4.5794 |
4.5794 |
0.00 |
3,075.53 |
0.00 |
0.00 |
0.00 |
4.5794 |
3,399.10 |
2,200.51 |
2,528.65 |
| 38 |
2022-06-07 |
n/a |
n/a |
5 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
6.1059 |
6.1059 |
10.68 |
2,983.03 |
0.00 |
158.25 |
102.44 |
0.0000 |
3,240.85 |
2,098.07 |
2,355.89 |
| 41 |
2022-06-10 |
n/a |
original 271.37 |
6 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
4.3662 |
4.3662 |
0.00 |
2,913.66 |
0.00 |
0.00 |
0.00 |
4.3662 |
3,240.85 |
2,098.07 |
2,429.62 |
| 42 |
2022-06-11 |
n/a |
n/a |
6 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
1.4554 |
1.4554 |
5.82 |
2,890.54 |
0.00 |
161.20 |
104.35 |
0.0000 |
3,079.65 |
1,993.72 |
2,182.83 |
| 48 |
2022-06-17 |
n/a |
original 271.37 |
7 |
271.37 |
n/a |
0.00 |
missed payment |
open |
8.2981 |
8.2981 |
0.00 |
2,751.79 |
0.00 |
0.00 |
0.00 |
8.2981 |
3,079.65 |
1,993.72 |
2,329.87 |
| 55 |
2022-06-24 |
n/a |
original 271.37 |
8 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
9.6811 |
9.6811 |
0.00 |
2,589.92 |
0.00 |
0.00 |
0.00 |
17.9792 |
3,079.65 |
1,993.72 |
2,501.42 |
| 58 |
2022-06-27 |
n/a |
n/a |
8 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
4.1490 |
4.1490 |
22.12 |
2,520.55 |
0.00 |
151.31 |
97.94 |
0.0000 |
2,928.34 |
1,895.78 |
2,303.57 |
| 62 |
2022-07-01 |
n/a |
original 271.37 |
9 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
5.2603 |
5.2603 |
0.00 |
2,428.05 |
0.00 |
0.00 |
0.00 |
5.2603 |
2,928.34 |
1,895.78 |
2,401.33 |
| 67 |
2022-07-06 |
n/a |
n/a |
9 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
6.5753 |
6.5753 |
11.83 |
2,312.43 |
0.00 |
157.55 |
101.99 |
0.0000 |
2,770.79 |
1,793.79 |
2,252.15 |
| 69 |
2022-07-08 |
n/a |
original 271.37 |
10 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
2.4886 |
2.4886 |
0.00 |
2,266.18 |
0.00 |
0.00 |
0.00 |
2.4886 |
2,770.79 |
1,793.79 |
2,300.88 |
| 73 |
2022-07-12 |
n/a |
n/a |
10 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
4.9773 |
4.9773 |
7.46 |
2,173.68 |
0.00 |
160.21 |
103.70 |
0.0000 |
2,610.58 |
1,690.09 |
2,126.99 |
| 76 |
2022-07-15 |
n/a |
original 271.37 |
11 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
3.5171 |
3.5171 |
0.00 |
2,104.31 |
0.00 |
0.00 |
0.00 |
3.5171 |
2,610.58 |
1,690.09 |
2,199.87 |
| 79 |
2022-07-18 |
n/a |
n/a |
11 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
3.5171 |
3.5171 |
7.03 |
2,034.94 |
0.00 |
160.47 |
103.87 |
0.0000 |
2,450.11 |
1,586.22 |
2,001.39 |
| 83 |
2022-07-22 |
n/a |
original 271.37 |
12 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
4.4013 |
4.4013 |
0.00 |
1,942.44 |
0.00 |
0.00 |
0.00 |
4.4013 |
2,450.11 |
1,586.22 |
2,098.29 |
| 86 |
2022-07-25 |
n/a |
n/a |
12 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
3.3009 |
3.3009 |
7.70 |
1,873.07 |
0.00 |
160.06 |
103.61 |
0.0000 |
2,290.05 |
1,482.61 |
1,899.59 |
| 90 |
2022-07-29 |
n/a |
original 271.37 |
13 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
4.1137 |
4.1137 |
0.00 |
1,780.57 |
0.00 |
0.00 |
0.00 |
4.1137 |
2,290.05 |
1,482.61 |
1,996.20 |
| 93 |
2022-08-01 |
n/a |
n/a |
13 |
0.00 |
confirmed 271.37 |
271.37 |
extra payment |
open |
3.0853 |
3.0853 |
7.19 |
1,711.20 |
0.00 |
160.37 |
103.81 |
0.0000 |
2,129.68 |
1,378.80 |
1,797.28 |
| 97 |
2022-08-05 |
n/a |
original 271.37 |
14 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
3.8257 |
3.8257 |
0.00 |
1,618.70 |
0.00 |
0.00 |
0.00 |
3.8257 |
2,129.68 |
1,378.80 |
1,893.60 |
| 100 |
2022-08-08 |
n/a |
n/a |
14 |
0.00 |
confirmed 276.37 |
276.37 |
extra payment |
open |
2.8693 |
2.8693 |
6.69 |
1,549.33 |
0.00 |
163.71 |
105.97 |
0.0000 |
1,965.97 |
1,272.83 |
1,689.47 |
| 104 |
2022-08-12 |
n/a |
original 271.37 |
15 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
3.5316 |
3.5316 |
0.00 |
1,456.83 |
0.00 |
0.00 |
0.00 |
3.5316 |
1,965.97 |
1,272.83 |
1,785.50 |
| 107 |
2022-08-15 |
n/a |
n/a |
15 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
2.6487 |
2.6487 |
6.18 |
1,387.46 |
0.00 |
165.24 |
106.96 |
0.0000 |
1,800.73 |
1,165.87 |
1,579.14 |
| 111 |
2022-08-19 |
n/a |
original 271.37 |
16 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
3.2348 |
3.2348 |
0.00 |
1,294.96 |
0.00 |
0.00 |
0.00 |
3.2348 |
1,800.73 |
1,165.87 |
1,674.87 |
| 115 |
2022-08-23 |
n/a |
n/a |
16 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
3.2348 |
3.2348 |
6.46 |
1,202.47 |
0.00 |
165.07 |
106.85 |
0.0000 |
1,635.66 |
1,059.02 |
1,492.21 |
| 118 |
2022-08-26 |
n/a |
original 271.37 |
17 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
2.2037 |
2.2037 |
0.00 |
1,133.09 |
0.00 |
0.00 |
0.00 |
2.2037 |
1,635.66 |
1,059.02 |
1,563.79 |
| 122 |
2022-08-30 |
n/a |
n/a |
17 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
2.9383 |
2.9383 |
5.14 |
1,040.60 |
0.00 |
165.87 |
107.37 |
0.0000 |
1,469.79 |
951.65 |
1,380.84 |
| 125 |
2022-09-02 |
n/a |
original 271.37 |
18 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
1.9803 |
1.9803 |
0.00 |
971.22 |
0.00 |
0.00 |
0.00 |
1.9803 |
1,469.79 |
951.65 |
1,452.20 |
| 129 |
2022-09-06 |
n/a |
n/a |
18 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
2.6404 |
2.6404 |
4.62 |
878.73 |
0.00 |
166.18 |
107.58 |
0.0000 |
1,303.61 |
844.07 |
1,268.95 |
| 132 |
2022-09-09 |
n/a |
original 271.37 |
19 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
1.7564 |
1.7564 |
0.00 |
809.35 |
0.00 |
0.00 |
0.00 |
1.7564 |
1,303.61 |
844.07 |
1,340.08 |
| 137 |
2022-09-14 |
n/a |
n/a |
19 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
2.9273 |
2.9273 |
4.68 |
693.73 |
0.00 |
166.15 |
107.55 |
0.0000 |
1,137.46 |
736.52 |
1,180.25 |
| 139 |
2022-09-16 |
n/a |
original 271.37 |
20 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
1.0217 |
1.0217 |
0.00 |
647.48 |
0.00 |
0.00 |
0.00 |
1.0217 |
1,137.46 |
736.52 |
1,227.52 |
| 143 |
2022-09-20 |
n/a |
n/a |
20 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
2.0434 |
2.0434 |
3.06 |
554.99 |
0.00 |
167.13 |
108.19 |
0.0000 |
970.33 |
628.33 |
1,043.67 |
| 146 |
2022-09-23 |
n/a |
original 271.37 |
21 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
1.3074 |
1.3074 |
0.00 |
485.61 |
0.00 |
0.00 |
0.00 |
1.3074 |
970.33 |
628.33 |
1,114.35 |
| 149 |
2022-09-26 |
n/a |
n/a |
21 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
1.3074 |
1.3074 |
2.61 |
416.24 |
0.00 |
167.40 |
108.37 |
0.0000 |
802.93 |
519.96 |
906.65 |
| 153 |
2022-09-30 |
n/a |
original 271.37 |
22 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
1.4425 |
1.4425 |
0.00 |
323.74 |
0.00 |
0.00 |
0.00 |
1.4425 |
802.93 |
519.96 |
1,000.59 |
| 156 |
2022-10-03 |
n/a |
n/a |
22 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
1.0819 |
1.0819 |
2.52 |
254.37 |
0.00 |
167.46 |
108.40 |
0.0000 |
635.47 |
411.56 |
792.66 |
| 160 |
2022-10-07 |
n/a |
original 271.37 |
23 |
271.37 |
n/a |
0.00 |
paid later in full |
open |
1.1417 |
1.1417 |
0.00 |
161.87 |
0.00 |
0.00 |
0.00 |
1.1417 |
635.47 |
411.56 |
886.30 |
| 166 |
2022-10-13 |
n/a |
n/a |
23 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
1.7125 |
1.7125 |
2.85 |
23.13 |
0.00 |
167.26 |
108.27 |
0.0000 |
468.21 |
303.29 |
748.37 |
| 167 |
2022-10-14 |
n/a |
original 271.21 |
24 |
271.21 |
n/a |
0.00 |
paid later in full |
open |
0.2103 |
0.2103 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.2103 |
468.21 |
303.29 |
771.71 |
| 171 |
2022-10-18 |
n/a |
n/a |
24 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
0.8413 |
0.8413 |
1.05 |
0.00 |
0.00 |
168.35 |
108.98 |
0.0000 |
299.86 |
194.31 |
494.17 |
| 177 |
2022-10-24 |
n/a |
n/a |
25 |
0.00 |
confirmed 278.38 |
278.38 |
extra payment |
open |
0.8083 |
0.8083 |
0.80 |
0.00 |
0.00 |
168.50 |
109.08 |
0.0000 |
131.36 |
85.23 |
216.59 |
| 185 |
2022-11-01 |
n/a |
n/a |
26 |
0.00 |
confirmed 278.33 |
278.33 |
extra payment |
refund due |
0.4723 |
0.4723 |
0.47 |
0.00 |
0.00 |
131.36 |
146.50 |
0.0000 |
0.00 |
-61.27 |
-61.27 |
| ★ 654 |
2024-02-13 |
n/a |
n/a |
93 |
0.00 |
n/a |
0.00 |
information only |
refund due |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
-61.27 |
-61.27 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: refund due |
| Effective interest rate: 0.004259573723 % per day |
Final cost-to-borrowing ratio: 157.76 % |
| Required scheduled payment count: 24 |
Last required scheduled payment day: 167 |
| Final actual payment count: 24 |
Last actual payment day: 185 |
Description
Something TH spotted
Generated: see details
Basic Parameters
| Evaluation Date |
2024-02-13 |
| Start Date |
2022-04-30 |
| Principal |
2,500.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 24 |
| unit-period config: weekly from 2022-05-06 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
| fee type: CAB/CSO fee 154.47 % |
rounding: rounded down |
| fee amortisation: amortise proportionately |
|
| Interest options |
| standard rate: 9.95 % per year |
method: actuarial |
| rounding: rounded down |
APR method: US CFPB actuarial to 3 d.p. |
| cap: total n/a; daily n/a |
|
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 |
| settlement rebate: pro-rata rebate |
|
| Charge options |
no charges
|
| 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 |
6,361.75 |
0.0000 |
0.00 |
0.00 |
| 6 |
271.37 |
10.4054 |
10.40 |
260.97 |
0.00 |
6,100.78 |
10.4054 |
10.40 |
260.97 |
| 13 |
271.37 |
11.6416 |
11.64 |
259.73 |
0.00 |
5,841.05 |
22.0470 |
22.04 |
520.70 |
| 20 |
271.37 |
11.1460 |
11.14 |
260.23 |
0.00 |
5,580.82 |
33.1930 |
33.18 |
780.93 |
| 27 |
271.37 |
10.6494 |
10.64 |
260.73 |
0.00 |
5,320.09 |
43.8424 |
43.82 |
1,041.66 |
| 34 |
271.37 |
10.1519 |
10.15 |
261.22 |
0.00 |
5,058.87 |
53.9943 |
53.97 |
1,302.88 |
| 41 |
271.37 |
9.6534 |
9.65 |
261.72 |
0.00 |
4,797.15 |
63.6478 |
63.62 |
1,564.60 |
| 48 |
271.37 |
9.1540 |
9.15 |
262.22 |
0.00 |
4,534.93 |
72.8018 |
72.77 |
1,826.82 |
| 55 |
271.37 |
8.6536 |
8.65 |
262.72 |
0.00 |
4,272.21 |
81.4554 |
81.42 |
2,089.54 |
| 62 |
271.37 |
8.1523 |
8.15 |
263.22 |
0.00 |
4,008.99 |
89.6077 |
89.57 |
2,352.76 |
| 69 |
271.37 |
7.6500 |
7.65 |
263.72 |
0.00 |
3,745.27 |
97.2578 |
97.22 |
2,616.48 |
| 76 |
271.37 |
7.1468 |
7.14 |
264.23 |
0.00 |
3,481.04 |
104.4046 |
104.36 |
2,880.71 |
| 83 |
271.37 |
6.6426 |
6.64 |
264.73 |
0.00 |
3,216.31 |
111.0472 |
111.00 |
3,145.44 |
| 90 |
271.37 |
6.1374 |
6.13 |
265.24 |
0.00 |
2,951.07 |
117.1846 |
117.13 |
3,410.68 |
| 97 |
271.37 |
5.6313 |
5.63 |
265.74 |
0.00 |
2,685.33 |
122.8159 |
122.76 |
3,676.42 |
| 104 |
271.37 |
5.1242 |
5.12 |
266.25 |
0.00 |
2,419.08 |
127.9401 |
127.88 |
3,942.67 |
| 111 |
271.37 |
4.6161 |
4.61 |
266.76 |
0.00 |
2,152.32 |
132.5562 |
132.49 |
4,209.43 |
| 118 |
271.37 |
4.1071 |
4.10 |
267.27 |
0.00 |
1,885.05 |
136.6633 |
136.59 |
4,476.70 |
| 125 |
271.37 |
3.5971 |
3.59 |
267.78 |
0.00 |
1,617.27 |
140.2604 |
140.18 |
4,744.48 |
| 132 |
271.37 |
3.0861 |
3.08 |
268.29 |
0.00 |
1,348.98 |
143.3465 |
143.26 |
5,012.77 |
| 139 |
271.37 |
2.5741 |
2.57 |
268.80 |
0.00 |
1,080.18 |
145.9206 |
145.83 |
5,281.57 |
| 146 |
271.37 |
2.0612 |
2.06 |
269.31 |
0.00 |
810.87 |
147.9819 |
147.89 |
5,550.88 |
| 153 |
271.37 |
1.5473 |
1.54 |
269.83 |
0.00 |
541.04 |
149.5292 |
149.43 |
5,820.71 |
| 160 |
271.37 |
1.0324 |
1.03 |
270.34 |
0.00 |
270.70 |
150.5616 |
150.46 |
6,091.05 |
| 167 |
271.21 |
0.5166 |
0.51 |
270.70 |
0.00 |
0.00 |
151.0782 |
150.97 |
6,361.75 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 63.08 % |
Initial APR: 511.64 % |
| Level payment: 271.37 |
Final payment: 271.21 |
Last scheduled payment day: 167 |
| Total scheduled payments: 6,512.72 |
Total principal: 6,361.75 |
Total interest: 150.97 |
FSharp.Finance.Personal