EdgeCaseTest000
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Net effect |
Payment status |
Balance status |
Actuarial interest |
New interest |
Interest portion |
Fee rebate if settled |
Fee rebate |
Fee portion |
Principal portion |
Interest balance |
Fee balance |
Principal balance |
Settlement figure |
| 0 |
2023-02-09 |
300.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
463.41 |
0.00 |
0.00 |
0.00 |
0.0000 |
463.41 |
300.00 |
763.41 |
| 5 |
2023-02-14 |
n/a |
n/a |
0 |
0.00 |
confirmed 312.00 |
312.00 |
extra payment |
open |
1.0405 |
1.0405 |
1.04 |
441.14 |
0.00 |
188.77 |
122.19 |
0.0000 |
274.64 |
177.81 |
11.31 |
| 15 |
2023-02-24 |
n/a |
original 137.40 |
1 |
0.00 |
n/a |
0.00 |
nothing due |
open |
1.2334 |
1.2334 |
0.00 |
396.58 |
0.00 |
0.00 |
0.00 |
1.2334 |
274.64 |
177.81 |
57.10 |
| 43 |
2023-03-24 |
n/a |
original 137.40 |
2 |
0.00 |
n/a |
0.00 |
nothing due |
open |
3.4535 |
3.4535 |
0.00 |
271.81 |
0.00 |
0.00 |
0.00 |
4.6869 |
274.64 |
177.81 |
185.32 |
| 74 |
2023-04-24 |
n/a |
original 137.40 |
3 |
100.20 |
n/a |
0.00 |
missed payment |
open |
3.8235 |
3.8235 |
0.00 |
133.68 |
0.00 |
0.00 |
0.00 |
8.5104 |
274.64 |
177.81 |
327.28 |
| 104 |
2023-05-24 |
n/a |
original 137.40 |
4 |
137.40 |
n/a |
0.00 |
paid later in full |
open |
3.7002 |
3.7002 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
12.2106 |
274.64 |
177.81 |
464.66 |
| ✓ 397 |
2024-03-12 |
n/a |
n/a |
4 |
0.00 |
n/a |
500.79 |
generated |
closed |
36.1384 |
36.1384 |
48.34 |
0.00 |
0.00 |
274.64 |
177.81 |
0.0000 |
0.00 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: 500.79 on day 397 |
Final balance status: closed |
| Effective interest rate: 0.01629306291 % per day |
Final cost-to-borrowing ratio: 170.93 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 104 |
| Final actual payment count: 1 |
Last actual payment day: 5 |
Description
Quote returning nothing
Generated: see details
Basic Parameters
| Evaluation Date |
2024-03-12 |
| Start Date |
2023-02-09 |
| Principal |
300.00 |
| Schedule options |
| config: custom schedule |
| day: 15 |
scheduled payment: original 137.40 |
| day: 43 |
scheduled payment: original 137.40 |
| day: 74 |
scheduled payment: original 137.40 |
| day: 104 |
scheduled payment: original 137.40 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
| fee type: CAB/CSO fee 154.47 % |
rounding: rounded down |
| fee amortisation: amortise proportionately |
|
| Interest options |
| standard rate: 9.95 % per year |
method: actuarial |
| rounding: rounded down |
APR method: US CFPB actuarial to 3 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 |
| settlement rebate: pro-rata rebate |
|
| 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 |
0.00 |
763.41 |
0.0000 |
0.00 |
0.00 |
| 15 |
137.40 |
3.1216 |
3.12 |
134.28 |
0.00 |
629.13 |
3.1216 |
3.12 |
134.28 |
| 43 |
137.40 |
4.8021 |
4.80 |
132.60 |
0.00 |
496.53 |
7.9237 |
7.92 |
266.88 |
| 74 |
137.40 |
4.1960 |
4.19 |
133.21 |
0.00 |
363.32 |
12.1197 |
12.11 |
400.09 |
| 104 |
137.40 |
2.9713 |
2.97 |
134.43 |
0.00 |
228.89 |
15.0910 |
15.08 |
534.52 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 89.52 % |
Initial APR: 468.068 % |
| Level payment: 137.40 |
Final payment: 137.40 |
Last scheduled payment day: 104 |
| Total scheduled payments: 549.60 |
Total principal: 534.52 |
Total interest: 15.08 |
FSharp.Finance.Personal