ActualPaymentTestExtra004

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	2022-09-11	200.00	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	200.00	200.00
4	2022-09-15	n/a	original 51.61	1	51.61	confirmed 51.61	51.61	payment made	open	n/a	0.00	6.4000	6.4000	6.40	45.21	0.00	0.0000	154.79	154.79
34	2022-10-15	n/a	original 51.61	2	51.61	confirmed 51.61	51.61	payment made	open	n/a	0.00	37.1496	37.1496	37.14	14.47	0.00	0.0000	140.32	140.32
65	2022-11-15	n/a	original 51.61	3	51.61	confirmed 51.61	51.61	payment made	open	n/a	0.00	34.7994	34.7994	34.79	16.82	0.00	0.0000	123.50	123.50
95	2022-12-15	n/a	original 51.61	4	51.61	confirmed 51.61	51.61	payment made	open	n/a	0.00	29.6400	29.6400	29.64	21.97	0.00	0.0000	101.53	101.53
126	2023-01-15	n/a	original 51.61	5	51.61	confirmed 51.61	51.61	payment made	open	n/a	0.00	25.1794	25.1794	25.17	26.44	0.00	0.0000	75.09	75.09
157	2023-02-15	n/a	original 51.61	6	51.61	confirmed 51.61	51.61	payment made	open	n/a	0.00	18.6223	18.6223	18.62	32.99	0.00	0.0000	42.10	42.10
185	2023-03-15	n/a	original 51.53	7	51.53	confirmed 51.53	51.53	payment made	closed	n/a	0.00	9.4304	9.4304	9.43	42.10	0.00	0.0000	0.00	0.00
★ 456	2023-12-11	n/a	n/a	15	0.00	n/a	0.00	information only	closed	n/a	0.00	0.0000	0.0000	0.00	0.00	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: 0.1767434211 % per day	Final cost-to-borrowing ratio: 80.6 %
Required scheduled payment count: 7	Last required scheduled payment day: 185
Final actual payment count: 7	Last actual payment day: 185

Description

large negative payment

Generated: see details

Basic Parameters

Evaluation Date	2023-12-11
Start Date	2022-09-11
Principal	200.00
Schedule options	config: auto-generate schedule schedule length: payment count 7 unit-period config: monthly from 2022-09 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	200.00	0.0000	0.00	0.00
4	51.61	6.4000	6.40	45.21	0.00	154.79	6.4000	6.40	45.21
34	51.61	37.1496	37.14	14.47	0.00	140.32	43.5496	43.54	59.68
65	51.61	34.7994	34.79	16.82	0.00	123.50	78.3490	78.33	76.50
95	51.61	29.6400	29.64	21.97	0.00	101.53	107.9890	107.97	98.47
126	51.61	25.1794	25.17	26.44	0.00	75.09	133.1684	133.14	124.91
157	51.61	18.6223	18.62	32.99	0.00	42.10	151.7907	151.76	157.90
185	51.53	9.4304	9.43	42.10	0.00	0.00	161.2211	161.19	200.00

Initial Stats

Initial interest balance: 0.00	Initial cost-to-borrowing ratio: 80.6 %	Initial APR: 1285 %
Level payment: 51.61	Final payment: 51.53	Last scheduled payment day: 185
Total scheduled payments: 361.19	Total principal: 200.00	Total interest: 161.19