ActualPaymentTestExtra008
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Generated payment |
Net effect |
Payment status |
Balance status |
Actuarial interest |
New interest |
Interest portion |
Principal portion |
Interest balance |
Principal balance |
Settlement figure |
| 0 |
2023-11-07 |
150.00 |
n/a |
0 |
0.00 |
n/a |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
103.5500 |
150.00 |
150.00 |
| 17 |
2023-11-24 |
n/a |
original 63.39 |
1 |
63.39 |
confirmed 70.20 |
n/a |
70.20 |
overpayment |
open |
20.4000 |
0.0000 |
70.20 |
0.00 |
33.3500 |
150.00 |
100.20 |
| 47 |
2023-12-24 |
n/a |
original 63.39 |
2 |
56.58 |
confirmed 70.20 |
n/a |
70.20 |
overpayment |
open |
36.0000 |
0.0000 |
33.35 |
36.85 |
0.0000 |
113.15 |
66.00 |
| 56 |
2024-01-02 |
n/a |
n/a |
2 |
0.00 |
confirmed 76.80 |
n/a |
76.80 |
extra payment |
refund due |
8.1468 |
-39.0032 |
-39.01 |
115.81 |
0.0000 |
-2.66 |
-2.66 |
| 78 |
2024-01-24 |
n/a |
original 63.39 |
3 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
-0.0128 |
-0.0128 |
0.00 |
0.00 |
-0.0128 |
-2.66 |
-2.67 |
| 109 |
2024-02-24 |
n/a |
original 63.38 |
4 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
-0.0181 |
-0.0181 |
0.00 |
0.00 |
-0.0309 |
-2.66 |
-2.69 |
| 338 |
2024-10-10 |
n/a |
n/a |
11 |
0.00 |
confirmed -2.82
confirmed -0.03 |
n/a |
-2.85 |
refunded |
over-refunded |
-0.1335 |
-0.1335 |
-0.17 |
-2.68 |
0.0000 |
0.02 |
0.00 |
| ✓ 573 |
2025-06-02 |
n/a |
n/a |
19 |
0.00 |
n/a |
0.02 |
0.02 |
generated |
closed |
0.0000 |
0.0000 |
0.00 |
0.02 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: 0.02 on day 573 |
Final balance status: closed |
| Effective interest rate: 0.07489237929 % per day |
Final cost-to-borrowing ratio: 42.91 % |
| Required scheduled payment count: 2 |
Last required scheduled payment day: 47 |
| Final actual payment count: 5 |
Last actual payment day: 338 |
Description
Over-refund should not lead to large final interest adjustment; 6045bd12550f
Generated: see details
Basic Parameters
| Evaluation Date |
2025-06-02 |
| Start Date |
2023-11-07 |
| Principal |
150.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 4 |
| unit-period config: monthly from 2023-11 on 24 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Interest options |
| standard rate: 0.8 % per day |
method: add-on |
| 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: 0 day(s) |
rate on negative balance: 8 % per year |
| promotional rates: n/a |
|
| Fee options |
no fee
|
| Charge options |
no charges
|
| Settlement day | on evaluation day |
| 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 |
103.55 |
150.00 |
0.0000 |
0.00 |
0.00 |
| 17 |
63.39 |
20.4000 |
63.39 |
0.00 |
40.16 |
150.00 |
20.4000 |
63.39 |
0.00 |
| 47 |
63.39 |
36.0000 |
40.16 |
23.23 |
0.00 |
126.77 |
56.4000 |
103.55 |
23.23 |
| 78 |
63.39 |
31.4390 |
0.00 |
63.39 |
0.00 |
63.38 |
87.8390 |
103.55 |
86.62 |
| 109 |
63.38 |
15.7182 |
0.00 |
63.38 |
0.00 |
0.00 |
103.5572 |
103.55 |
150.00 |
Initial Stats
| Initial interest balance: 103.55 |
Initial cost-to-borrowing ratio: 69.03 % |
Initial APR: 2710.8 % |
| Level payment: 63.39 |
Final payment: 63.38 |
Last scheduled payment day: 109 |
| Total scheduled payments: 253.55 |
Total principal: 150.00 |
Total interest: 103.55 |
FSharp.Finance.Personal