ActualPaymentTestExtra000

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	Fee rebate if settled	Fee rebate	Fee portion	Principal portion	Charges balance	Interest balance	Fee balance	Principal balance	Settlement figure
0	2023-07-23	800.00	n/a	0	0.00	n/a	0.00	none scheduled	open	n/a	0.00	0.0000	0.0000	0.00	1,200.00	0.00	0.00	0.00	0.00	0.0000	1,200.00	800.00	2,000.00
9	2023-08-01	n/a	original 407.67	1	407.67	confirmed 407.67	407.67	payment made	open	n/a	0.00	4.9068	4.9068	4.90	1,117.56	0.00	241.67	161.10	0.00	0.0000	958.33	638.90	479.67
40	2023-09-01	n/a	original 407.67	2	407.67	confirmed 407.67	407.67	payment made	open	n/a	0.00	13.4977	13.4977	13.49	833.59	0.00	236.51	157.67	0.00	0.0000	721.82	481.23	369.46
70	2023-10-01	n/a	original 407.67	3	407.67	confirmed 407.67	407.67	payment made	open	n/a	0.00	9.8386	9.8386	9.83	558.78	0.00	238.71	159.13	0.00	0.0000	483.11	322.10	246.43
101	2023-11-01	n/a	original 407.67	4	407.67	confirmed 407.67	407.67	payment made	open	n/a	0.00	6.8046	6.8046	6.80	274.81	0.00	240.53	160.34	0.00	0.0000	242.58	161.76	129.53
★ 131	2023-12-01	n/a	original 407.64	5	407.64	confirmed 407.64	407.64	payment made	closed	n/a	0.00	3.3067	3.3067	3.30	0.00	0.00	242.58	161.76	0.00	0.0000	0.00	0.00	0.00

Key: ★ = evaluation day; ✓ = settlement day

Final Stats

Generated settlement: n/a	Final balance status: closed
Effective interest rate: 0.0146259542 % per day	Final cost-to-borrowing ratio: 154.79 %
Required scheduled payment count: 5	Last required scheduled payment day: 131
Final actual payment count: 5	Last actual payment day: 131

Description

Actuarial schedule fully settled on time

Generated: see details

Basic Parameters

Evaluation Date	2023-12-01
Start Date	2023-07-23
Principal	800.00
Schedule options	config: auto-generate schedule schedule length: payment count 5 unit-period config: monthly from 2023-08 on 01
Payment options	rounding: rounded up level-payment option: lower final payment
Fee options	fee type: CAB/CSO fee 150 % 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 6 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	Type Charge Grouping Holidays late payment 10.00 one charge per day n/a insufficient funds 7.50 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	2,000.00	0.0000	0.00	0.00
9	407.67	4.9068	4.90	402.77	0.00	1,597.23	4.9068	4.90	402.77
40	407.67	13.4977	13.49	394.18	0.00	1,203.05	18.4045	18.39	796.95
70	407.67	9.8386	9.83	397.84	0.00	805.21	28.2432	28.22	1,194.79
101	407.67	6.8046	6.80	400.87	0.00	404.34	35.0478	35.02	1,595.66
131	407.64	3.3067	3.30	404.34	0.00	0.00	38.3545	38.32	2,000.00

Initial Stats

Initial interest balance: 0.00	Initial cost-to-borrowing ratio: 61.92 %	Initial APR: 772.081662 %
Level payment: 407.67	Final payment: 407.64	Last scheduled payment day: 131
Total scheduled payments: 2,038.32	Total principal: 2,000.00	Total interest: 38.32