ActualPaymentTestExtra005
| 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 |
2022-03-08 |
800.00 |
n/a |
0 |
0.00 |
confirmed 166.60 |
166.60 |
extra payment |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
1,200.00 |
0.00 |
99.96 |
66.64 |
0.00 |
0.0000 |
1,100.04 |
733.36 |
633.40 |
| 18 |
2022-03-26 |
n/a |
original 171.02 |
1 |
4.42 |
n/a |
171.02 |
payment due |
open |
n/a |
0.00 |
8.9962 |
8.9962 |
8.99 |
1,074.42 |
0.00 |
97.22 |
64.81 |
0.00 |
0.0000 |
1,002.82 |
668.55 |
596.95 |
| ★ 24 |
2022-04-01 |
n/a |
n/a |
1 |
0.00 |
n/a |
0.00 |
information only |
open |
n/a |
0.00 |
2.7337 |
2.7337 |
0.00 |
1,032.56 |
0.00 |
0.00 |
0.00 |
0.00 |
2.7337 |
1,002.82 |
668.55 |
641.54 |
| 32 |
2022-04-09 |
n/a |
original 171.02 |
2 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
3.6450 |
3.6450 |
6.37 |
976.75 |
0.00 |
98.79 |
65.86 |
0.00 |
0.0000 |
904.03 |
602.69 |
700.99 |
| 46 |
2022-04-23 |
n/a |
original 171.02 |
3 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
5.7503 |
5.7503 |
5.75 |
879.07 |
0.00 |
99.17 |
66.10 |
0.00 |
0.0000 |
804.86 |
536.59 |
633.40 |
| 60 |
2022-05-07 |
n/a |
original 171.02 |
4 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
5.1196 |
5.1196 |
5.11 |
781.40 |
0.00 |
99.55 |
66.36 |
0.00 |
0.0000 |
705.31 |
470.23 |
565.16 |
| 74 |
2022-05-21 |
n/a |
original 171.02 |
5 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
4.4864 |
4.4864 |
4.48 |
683.73 |
0.00 |
99.93 |
66.61 |
0.00 |
0.0000 |
605.38 |
403.62 |
496.29 |
| 88 |
2022-06-04 |
n/a |
original 171.02 |
6 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
3.8508 |
3.8508 |
3.85 |
586.05 |
0.00 |
100.31 |
66.86 |
0.00 |
0.0000 |
505.07 |
336.76 |
426.80 |
| 102 |
2022-06-18 |
n/a |
original 171.02 |
7 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
3.2128 |
3.2128 |
3.21 |
488.38 |
0.00 |
100.69 |
67.12 |
0.00 |
0.0000 |
404.38 |
269.64 |
356.66 |
| 116 |
2022-07-02 |
n/a |
original 171.02 |
8 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
2.5724 |
2.5724 |
2.57 |
390.70 |
0.00 |
101.07 |
67.38 |
0.00 |
0.0000 |
303.31 |
202.26 |
285.89 |
| 130 |
2022-07-16 |
n/a |
original 171.02 |
9 |
171.02 |
n/a |
171.02 |
not yet due |
open |
n/a |
0.00 |
1.9295 |
1.9295 |
1.92 |
293.03 |
0.00 |
101.46 |
67.64 |
0.00 |
0.0000 |
201.85 |
134.62 |
214.46 |
| 144 |
2022-07-30 |
n/a |
original 171.02 |
10 |
142.40 |
n/a |
142.40 |
not yet due |
closed |
n/a |
0.00 |
1.2841 |
1.2841 |
1.28 |
195.35 |
195.35 |
6.50 |
134.62 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 158 |
2022-08-13 |
n/a |
original 171.02 |
11 |
0.00 |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 172 |
2022-08-27 |
n/a |
original 170.90 |
12 |
0.00 |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
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: 0.01402384924 % per day |
Final cost-to-borrowing ratio: 131.02 % |
| Required scheduled payment count: 10 |
Last required scheduled payment day: 144 |
| Final actual payment count: 1 |
Last actual payment day: 0 |
Description
Schedule with a payment on day 0L, seen from a date after the first unpaid scheduled payment, but within late-payment grace period
Generated: see details
Basic Parameters
| Evaluation Date |
2022-04-01 |
| Start Date |
2022-03-08 |
| Principal |
800.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 12 |
| unit-period config: 2-weekly from 2022-03-26 |
|
| 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: 7 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 |
| 18 |
171.02 |
9.8137 |
9.81 |
161.21 |
0.00 |
1,838.79 |
9.8137 |
9.81 |
161.21 |
| 32 |
171.02 |
7.0176 |
7.01 |
164.01 |
0.00 |
1,674.78 |
16.8313 |
16.82 |
325.22 |
| 46 |
171.02 |
6.3917 |
6.39 |
164.63 |
0.00 |
1,510.15 |
23.2230 |
23.21 |
489.85 |
| 60 |
171.02 |
5.7634 |
5.76 |
165.26 |
0.00 |
1,344.89 |
28.9864 |
28.97 |
655.11 |
| 74 |
171.02 |
5.1327 |
5.13 |
165.89 |
0.00 |
1,179.00 |
34.1191 |
34.10 |
821.00 |
| 88 |
171.02 |
4.4996 |
4.49 |
166.53 |
0.00 |
1,012.47 |
38.6187 |
38.59 |
987.53 |
| 102 |
171.02 |
3.8640 |
3.86 |
167.16 |
0.00 |
845.31 |
42.4827 |
42.45 |
1,154.69 |
| 116 |
171.02 |
3.2261 |
3.22 |
167.80 |
0.00 |
677.51 |
45.7088 |
45.67 |
1,322.49 |
| 130 |
171.02 |
2.5857 |
2.58 |
168.44 |
0.00 |
509.07 |
48.2945 |
48.25 |
1,490.93 |
| 144 |
171.02 |
1.9428 |
1.94 |
169.08 |
0.00 |
339.99 |
50.2373 |
50.19 |
1,660.01 |
| 158 |
171.02 |
1.2976 |
1.29 |
169.73 |
0.00 |
170.26 |
51.5349 |
51.48 |
1,829.74 |
| 172 |
170.90 |
0.6498 |
0.64 |
170.26 |
0.00 |
0.00 |
52.1846 |
52.12 |
2,000.00 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 62.61 % |
Initial APR: 452.187925 % |
| Level payment: 171.02 |
Final payment: 170.90 |
Last scheduled payment day: 172 |
| Total scheduled payments: 2,052.12 |
Total principal: 2,000.00 |
Total interest: 52.12 |
FSharp.Finance.Personal