ActualPaymentTest020
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Net effect |
Payment status |
Balance status |
Actuarial interest |
New interest |
Interest portion |
Principal portion |
Interest balance |
Principal balance |
Settlement figure |
| 0 |
2024-04-12 |
100.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
100.00 |
100.00 |
| 7 |
2024-04-19 |
n/a |
original 35.48 |
1 |
35.48 |
n/a |
0.00 |
paid later in full |
open |
5.6000 |
5.6000 |
0.00 |
0.00 |
5.6000 |
100.00 |
105.60 |
| 28 |
2024-05-10 |
n/a |
n/a |
1 |
0.00 |
confirmed 35.48 |
35.48 |
extra payment |
open |
16.8000 |
16.8000 |
22.40 |
13.08 |
0.0000 |
86.92 |
86.92 |
| 37 |
2024-05-19 |
n/a |
original 35.48 |
2 |
35.48 |
n/a |
0.00 |
missed payment |
open |
6.2582 |
6.2582 |
0.00 |
0.00 |
6.2582 |
86.92 |
93.17 |
| 68 |
2024-06-19 |
n/a |
original 35.48 |
3 |
35.48 |
n/a |
0.00 |
missed payment |
open |
21.5562 |
21.5562 |
0.00 |
0.00 |
27.8144 |
86.92 |
114.73 |
| ★ 82 |
2024-07-03 |
n/a |
n/a |
3 |
0.00 |
n/a |
0.00 |
information only |
open |
9.7350 |
9.7350 |
0.00 |
0.00 |
37.5494 |
86.92 |
124.46 |
| 98 |
2024-07-19 |
n/a |
original 35.48 |
4 |
35.48 |
n/a |
35.48 |
not yet due |
open |
11.1258 |
11.1258 |
35.48 |
0.00 |
13.1952 |
86.92 |
100.11 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: open |
| Effective interest rate: 4.515384135 % per day |
Final cost-to-borrowing ratio: 442.51 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 98 |
| Final actual payment count: 1 |
Last actual payment day: 28 |
Description
Late payment
Generated: see details
Basic Parameters
| Evaluation Date |
2024-07-03 |
| Start Date |
2024-04-12 |
| Principal |
100.00 |
| Schedule options |
| config: fixed schedules |
| unit-period config: monthly from 2024-04 on 19 |
payment count: 4 |
| payment value: 35.48 |
schedule type: original |
|
|
| 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: 0 days |
| minimum: no minimum payment |
|
| Interest options |
| initial grace period: 3 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
|
| Fee options |
no fee
|
| 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 |
100.00 |
0.0000 |
0.00 |
0.00 |
| 7 |
35.48 |
5.6000 |
5.60 |
29.88 |
0.00 |
70.12 |
5.6000 |
5.60 |
29.88 |
| 37 |
35.48 |
16.8288 |
16.82 |
18.66 |
0.00 |
51.46 |
22.4288 |
22.42 |
48.54 |
| 68 |
35.48 |
12.7621 |
12.76 |
22.72 |
0.00 |
28.74 |
35.1909 |
35.18 |
71.26 |
| 98 |
35.48 |
6.8976 |
6.89 |
28.59 |
0.00 |
0.15 |
42.0885 |
42.07 |
99.85 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 42.13 % |
Initial APR: 1305.7 % |
| Level payment: 35.48 |
Final payment: 35.48 |
Last scheduled payment day: 98 |
| Total scheduled payments: 141.92 |
Total principal: 99.85 |
Total interest: 42.07 |
FSharp.Finance.Personal