ComplianceTest019
| 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 |
223.2500 |
317.26 |
317.26 |
| 19 |
2025-04-20 |
n/a |
original 135.13 |
1 |
135.13 |
n/a |
135.13 |
not yet due |
open |
48.1030 |
0.0000 |
135.13 |
0.00 |
88.1200 |
317.26 |
365.36 |
| 49 |
2025-05-20 |
n/a |
original 135.13 |
2 |
135.13 |
n/a |
135.13 |
not yet due |
open |
75.9520 |
0.0000 |
88.12 |
47.01 |
0.0000 |
270.25 |
270.25 |
| 80 |
2025-06-20 |
n/a |
original 135.13 |
3 |
135.13 |
n/a |
135.13 |
not yet due |
open |
66.8544 |
0.0000 |
0.00 |
135.13 |
0.0000 |
135.12 |
135.12 |
| 110 |
2025-07-20 |
n/a |
original 135.12 |
4 |
135.12 |
n/a |
135.12 |
not yet due |
closed |
32.3477 |
0.0000 |
0.00 |
135.12 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.6397104755 % per day |
Final cost-to-borrowing ratio: 70.37 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 110 |
| Final actual payment count: 0 |
Last actual payment day: n/a |
Description
Total repayable on interest-first loan of €317.26 with repayments starting on day 19 and total loan length 110 days
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 4 |
| unit-period config: monthly from 2025-04 on 20 |
|
| 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 |
223.25 |
317.26 |
0.0000 |
0.00 |
0.00 |
| 19 |
135.13 |
48.1030 |
135.13 |
0.00 |
88.12 |
317.26 |
48.1030 |
135.13 |
0.00 |
| 49 |
135.13 |
75.9520 |
88.12 |
47.01 |
0.00 |
270.25 |
124.0550 |
223.25 |
47.01 |
| 80 |
135.13 |
66.8544 |
0.00 |
135.13 |
0.00 |
135.12 |
190.9095 |
223.25 |
182.14 |
| 110 |
135.12 |
32.3477 |
0.00 |
135.12 |
0.00 |
0.00 |
223.2572 |
223.25 |
317.26 |
Initial Stats
| Initial interest balance: 223.25 |
Initial cost-to-borrowing ratio: 70.37 % |
Initial APR: 2545.8 % |
| Level payment: 135.13 |
Final payment: 135.12 |
Last scheduled payment day: 110 |
| Total scheduled payments: 540.51 |
Total principal: 317.26 |
Total interest: 223.25 |
FSharp.Finance.Personal