Amortisation_p6_fp23_BeforeAprJump
| 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 |
317.2600 |
317.26 |
317.26 |
| 23 |
2025-04-24 |
n/a |
original 105.76 |
1 |
105.76 |
n/a |
105.76 |
not yet due |
open |
58.2299 |
0.0000 |
105.76 |
0.00 |
211.5000 |
317.26 |
375.48 |
| 53 |
2025-05-24 |
n/a |
original 105.76 |
2 |
105.76 |
n/a |
105.76 |
not yet due |
open |
75.9520 |
0.0000 |
105.76 |
0.00 |
105.7400 |
317.26 |
423.00 |
| 84 |
2025-06-24 |
n/a |
original 105.76 |
3 |
105.76 |
n/a |
105.76 |
not yet due |
open |
78.4838 |
0.0000 |
105.74 |
0.02 |
0.0000 |
317.24 |
317.24 |
| 114 |
2025-07-24 |
n/a |
original 105.76 |
4 |
105.76 |
n/a |
105.76 |
not yet due |
open |
75.9473 |
0.0000 |
0.00 |
105.76 |
0.0000 |
211.48 |
211.48 |
| 145 |
2025-08-24 |
n/a |
original 105.76 |
5 |
105.76 |
n/a |
105.76 |
not yet due |
open |
28.6470 |
0.0000 |
0.00 |
105.76 |
0.0000 |
105.72 |
105.72 |
| 176 |
2025-09-24 |
n/a |
original 105.72 |
6 |
105.72 |
n/a |
105.72 |
not yet due |
closed |
0.0000 |
0.0000 |
0.00 |
105.72 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.5681818182 % per day |
Final cost-to-borrowing ratio: 100 % |
| Required scheduled payment count: 6 |
Last required scheduled payment day: 176 |
| Final actual payment count: 0 |
Last actual payment day: n/a |
Description
Amortisation schedule, 6 payments, first payment on day 23, using the add-on interest method (just before 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 24 |
|
| 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 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 |
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 |
317.26 |
317.26 |
0.0000 |
0.00 |
0.00 |
| 23 |
105.76 |
58.2299 |
105.76 |
0.00 |
211.50 |
317.26 |
58.2299 |
105.76 |
0.00 |
| 53 |
105.76 |
75.9520 |
105.76 |
0.00 |
105.74 |
317.26 |
134.1819 |
211.52 |
0.00 |
| 84 |
105.76 |
78.4838 |
105.74 |
0.02 |
0.00 |
317.24 |
212.6657 |
317.26 |
0.02 |
| 114 |
105.76 |
75.9473 |
0.00 |
105.76 |
0.00 |
211.48 |
288.6130 |
317.26 |
105.78 |
| 145 |
105.76 |
28.6470 |
0.00 |
105.76 |
0.00 |
105.72 |
317.2600 |
317.26 |
211.54 |
| 176 |
105.72 |
0.0000 |
0.00 |
105.72 |
0.00 |
0.00 |
317.2600 |
317.26 |
317.26 |
Initial Stats
| Initial interest balance: 317.26 |
Initial cost-to-borrowing ratio: 100 % |
Initial APR: 1633.5 % |
| Level payment: 105.76 |
Final payment: 105.72 |
Last scheduled payment day: 176 |
| Total scheduled payments: 634.52 |
Total principal: 317.26 |
Total interest: 317.26 |
FSharp.Finance.Personal