EdgeCaseTest001
| 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 |
2022-02-02 |
250.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
386.17 |
0.00 |
0.00 |
0.00 |
0.0000 |
386.17 |
250.00 |
636.17 |
| 5 |
2022-02-07 |
n/a |
n/a |
0 |
0.00 |
confirmed 260.00 |
260.00 |
extra payment |
open |
0.8671 |
0.8671 |
0.86 |
367.79 |
0.00 |
157.31 |
101.83 |
0.0000 |
228.86 |
148.17 |
9.24 |
| 16 |
2022-02-18 |
n/a |
original 115.00 |
1 |
0.00 |
n/a |
0.00 |
nothing due |
open |
1.1306 |
1.1306 |
0.00 |
327.33 |
0.00 |
0.00 |
0.00 |
1.1306 |
228.86 |
148.17 |
50.83 |
| 44 |
2022-03-18 |
n/a |
original 115.00 |
2 |
0.00 |
n/a |
0.00 |
nothing due |
open |
2.8778 |
2.8778 |
0.00 |
224.35 |
0.00 |
0.00 |
0.00 |
4.0084 |
228.86 |
148.17 |
156.68 |
| 75 |
2022-04-18 |
n/a |
original 115.00 |
3 |
85.00 |
n/a |
0.00 |
missed payment |
open |
3.1862 |
3.1862 |
0.00 |
110.34 |
0.00 |
0.00 |
0.00 |
7.1946 |
228.86 |
148.17 |
273.88 |
| 105 |
2022-05-18 |
n/a |
original 115.00 |
4 |
115.00 |
n/a |
0.00 |
paid later in full |
open |
3.0834 |
3.0834 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
10.2779 |
228.86 |
148.17 |
387.30 |
| ✓ 769 |
2024-03-12 |
n/a |
n/a |
4 |
0.00 |
n/a |
455.55 |
generated |
closed |
68.2455 |
68.2455 |
78.52 |
0.00 |
0.00 |
228.86 |
148.17 |
0.0000 |
0.00 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: 455.55 on day 769 |
Final balance status: closed |
| Effective interest rate: 0.01622600366 % per day |
Final cost-to-borrowing ratio: 186.22 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 105 |
| 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 |
2022-02-02 |
| Principal |
250.00 |
| Schedule options |
| config: custom schedule |
| day: 16 |
scheduled payment: original 115.00 |
| day: 44 |
scheduled payment: original 115.00 |
| day: 75 |
scheduled payment: original 115.00 |
| day: 105 |
scheduled payment: original 115.00 |
|
| 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 |
636.17 |
0.0000 |
0.00 |
0.00 |
| 16 |
115.00 |
2.7747 |
2.77 |
112.23 |
0.00 |
523.94 |
2.7747 |
2.77 |
112.23 |
| 44 |
115.00 |
3.9992 |
3.99 |
111.01 |
0.00 |
412.93 |
6.7739 |
6.76 |
223.24 |
| 75 |
115.00 |
3.4895 |
3.48 |
111.52 |
0.00 |
301.41 |
10.2635 |
10.24 |
334.76 |
| 105 |
115.00 |
2.4650 |
2.46 |
112.54 |
0.00 |
188.87 |
12.7284 |
12.70 |
447.30 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 89.17 % |
Initial APR: 461.796 % |
| Level payment: 115.00 |
Final payment: 115.00 |
Last scheduled payment day: 105 |
| Total scheduled payments: 460.00 |
Total principal: 447.30 |
Total interest: 12.70 |
FSharp.Finance.Personal