ComplianceTest004
| 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 |
2021-12-14 |
500.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
337.7500 |
500.00 |
500.00 |
| 17 |
2021-12-31 |
n/a |
original 209.45 |
1 |
209.45 |
confirmed 209.45 |
209.45 |
payment made |
open |
68.0000 |
0.0000 |
209.45 |
0.00 |
128.3000 |
500.00 |
358.55 |
| 48 |
2022-01-31 |
n/a |
original 209.45 |
2 |
209.45 |
confirmed 209.45 |
209.45 |
payment made |
open |
124.0000 |
0.0000 |
128.30 |
81.15 |
0.0000 |
418.85 |
273.10 |
| 76 |
2022-02-28 |
n/a |
original 209.45 |
3 |
209.45 |
confirmed 209.45 |
209.45 |
payment made |
open |
93.8224 |
0.0000 |
0.00 |
209.45 |
0.0000 |
209.40 |
157.47 |
| 107 |
2022-03-31 |
n/a |
original 209.40 |
4 |
209.40 |
confirmed 209.40 |
209.40 |
payment made |
closed |
51.9312 |
0.0036 |
0.00 |
209.40 |
0.0000 |
0.00 |
0.00 |
| ★ 180 |
2022-06-12 |
n/a |
n/a |
4 |
0.00 |
n/a |
0.00 |
information only |
closed |
0.0000 |
0.0000 |
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: 0.3752777778 % per day |
Final cost-to-borrowing ratio: 67.55 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 107 |
| Final actual payment count: 4 |
Last actual payment day: 107 |
Description
Repayments made on time
Generated: see details
Basic Parameters
| Evaluation Date |
2022-06-12 |
| Start Date |
2021-12-14 |
| Principal |
500.00 |
| Schedule options |
| config: custom schedule |
| day: 17 |
scheduled payment: original 209.45 |
| day: 48 |
scheduled payment: original 209.45 |
| day: 76 |
scheduled payment: original 209.45 |
| day: 107 |
scheduled payment: original 209.40 |
|
| Payment options |
| rounding: not rounded |
| 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: 3 days |
| minimum: defer or write off up to 0.50 |
|
| Interest options |
| initial grace period: 0 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 |
337.75 |
500.00 |
0.0000 |
0.00 |
0.00 |
| 17 |
209.45 |
68.0000 |
209.45 |
0.00 |
128.30 |
500.00 |
68.0000 |
209.45 |
0.00 |
| 48 |
209.45 |
124.0000 |
128.30 |
81.15 |
0.00 |
418.85 |
192.0000 |
337.75 |
81.15 |
| 76 |
209.45 |
93.8224 |
0.00 |
209.45 |
0.00 |
209.40 |
285.8224 |
337.75 |
290.60 |
| 107 |
209.40 |
51.9312 |
0.00 |
209.40 |
0.00 |
0.00 |
337.7536 |
337.75 |
500.00 |
Initial Stats
| Initial interest balance: 337.75 |
Initial cost-to-borrowing ratio: 67.55 % |
Initial APR: 2621.3 % |
| Level payment: 209.45 |
Final payment: 209.40 |
Last scheduled payment day: 107 |
| Total scheduled payments: 837.75 |
Total principal: 500.00 |
Total interest: 337.75 |
FSharp.Finance.Personal