AmortisationNoInterestCap_p6_fp24_AfterAprJump
| 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 |
2025-04-01 |
317.26 |
n/a |
0 |
0.00 |
n/a |
0.00 |
information only |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
377.0200 |
317.26 |
317.26 |
| 24 |
2025-04-25 |
n/a |
original 115.72 |
1 |
115.72 |
n/a |
115.72 |
not yet due |
open |
60.7616 |
0.0000 |
115.72 |
0.00 |
261.3000 |
317.26 |
378.02 |
| 54 |
2025-05-25 |
n/a |
original 115.72 |
2 |
115.72 |
n/a |
115.72 |
not yet due |
open |
75.9520 |
0.0000 |
115.72 |
0.00 |
145.5800 |
317.26 |
453.97 |
| 85 |
2025-06-25 |
n/a |
original 115.72 |
3 |
115.72 |
n/a |
115.72 |
not yet due |
open |
78.4838 |
0.0000 |
115.72 |
0.00 |
29.8600 |
317.26 |
347.12 |
| 115 |
2025-07-25 |
n/a |
original 115.72 |
4 |
115.72 |
n/a |
115.72 |
not yet due |
open |
75.9520 |
0.0000 |
29.86 |
85.86 |
0.0000 |
231.40 |
231.40 |
| 146 |
2025-08-25 |
n/a |
original 115.72 |
5 |
115.72 |
n/a |
115.72 |
not yet due |
open |
57.2437 |
0.0000 |
0.00 |
115.72 |
0.0000 |
115.68 |
115.68 |
| 177 |
2025-09-25 |
n/a |
original 115.68 |
6 |
115.68 |
n/a |
115.68 |
not yet due |
closed |
28.6169 |
0.0000 |
0.00 |
115.68 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.6713914446 % per day |
Final cost-to-borrowing ratio: 118.84 % |
| Required scheduled payment count: 6 |
Last required scheduled payment day: 177 |
| Final actual payment count: 0 |
Last actual payment day: n/a |
Description
Amortisation schedule, 6 payments, first payment on day 24, using the add-on interest method with no interest cap (just after APR jump)
Generated: see details
Basic Parameters
| Evaluation Date |
2025-04-01 |
| Start Date |
2025-04-01 |
| Principal |
317.26 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 6 |
| unit-period config: monthly from 2025-04 on 25 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Interest options |
| standard rate: 0.798 % per day |
method: add-on |
| rounding: rounded down |
APR method: UK FCA to 1 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 |
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 |
377.02 |
317.26 |
0.0000 |
0.00 |
0.00 |
| 24 |
115.72 |
60.7616 |
115.72 |
0.00 |
261.30 |
317.26 |
60.7616 |
115.72 |
0.00 |
| 54 |
115.72 |
75.9520 |
115.72 |
0.00 |
145.58 |
317.26 |
136.7137 |
231.44 |
0.00 |
| 85 |
115.72 |
78.4838 |
115.72 |
0.00 |
29.86 |
317.26 |
215.1975 |
347.16 |
0.00 |
| 115 |
115.72 |
75.9520 |
29.86 |
85.86 |
0.00 |
231.40 |
291.1495 |
377.02 |
85.86 |
| 146 |
115.72 |
57.2437 |
0.00 |
115.72 |
0.00 |
115.68 |
348.3932 |
377.02 |
201.58 |
| 177 |
115.68 |
28.6169 |
0.00 |
115.68 |
0.00 |
0.00 |
377.0102 |
377.02 |
317.26 |
Initial Stats
| Initial interest balance: 377.02 |
Initial cost-to-borrowing ratio: 118.84 % |
Initial APR: 2442.7 % |
| Level payment: 115.72 |
Final payment: 115.68 |
Last scheduled payment day: 177 |
| Total scheduled payments: 694.28 |
Total principal: 317.26 |
Total interest: 377.02 |
FSharp.Finance.Personal