EdgeCaseTest002
| 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 |
2022-12-02 |
750.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
1,158.52 |
0.00 |
0.00 |
0.00 |
0.0000 |
1,158.52 |
750.00 |
1,908.52 |
| 13 |
2022-12-15 |
n/a |
n/a |
0 |
0.00 |
confirmed 828.00 |
828.00 |
extra payment |
open |
6.7635 |
6.7635 |
6.76 |
1,013.71 |
0.00 |
498.52 |
322.72 |
0.0000 |
660.00 |
427.28 |
73.57 |
| 14 |
2022-12-16 |
n/a |
original 343.50 |
1 |
0.00 |
n/a |
0.00 |
nothing due |
open |
0.2964 |
0.2964 |
0.00 |
1,002.57 |
0.00 |
0.00 |
0.00 |
0.2964 |
660.00 |
427.28 |
85.00 |
| 45 |
2023-01-16 |
n/a |
original 343.50 |
2 |
0.00 |
n/a |
0.00 |
nothing due |
open |
9.1883 |
9.1883 |
0.00 |
657.24 |
0.00 |
0.00 |
0.00 |
9.4847 |
660.00 |
427.28 |
439.52 |
| 76 |
2023-02-16 |
n/a |
original 343.50 |
3 |
202.50 |
n/a |
0.00 |
missed payment |
open |
9.1883 |
9.1883 |
0.00 |
311.91 |
0.00 |
0.00 |
0.00 |
18.6729 |
660.00 |
427.28 |
794.04 |
| 104 |
2023-03-16 |
n/a |
original 343.50 |
4 |
343.50 |
n/a |
0.00 |
paid later in full |
open |
8.2991 |
8.2991 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
26.9720 |
660.00 |
427.28 |
1,114.25 |
| ✓ 466 |
2024-03-12 |
n/a |
n/a |
4 |
0.00 |
n/a |
1,221.54 |
generated |
closed |
107.2952 |
107.2952 |
134.26 |
0.00 |
0.00 |
660.00 |
427.28 |
0.0000 |
0.00 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: 1,221.54 on day 466 |
Final balance status: closed |
| Effective interest rate: 0.01585616214 % per day |
Final cost-to-borrowing ratio: 173.27 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 104 |
| Final actual payment count: 1 |
Last actual payment day: 13 |
Description
Quote returning nothing
Generated: see details
Basic Parameters
| Evaluation Date |
2024-03-12 |
| Start Date |
2022-12-02 |
| Principal |
750.00 |
| Schedule options |
| config: custom schedule |
| day: 14 |
scheduled payment: original 343.50 |
| day: 45 |
scheduled payment: original 343.50 |
| day: 76 |
scheduled payment: original 343.50 |
| day: 104 |
scheduled payment: original 343.50 |
|
| 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 |
1,908.52 |
0.0000 |
0.00 |
0.00 |
| 14 |
343.50 |
7.2837 |
7.28 |
336.22 |
0.00 |
1,572.30 |
7.2837 |
7.28 |
336.22 |
| 45 |
343.50 |
13.2870 |
13.28 |
330.22 |
0.00 |
1,242.08 |
20.5708 |
20.56 |
666.44 |
| 76 |
343.50 |
10.4964 |
10.49 |
333.01 |
0.00 |
909.07 |
31.0672 |
31.05 |
999.45 |
| 104 |
343.50 |
6.9388 |
6.93 |
336.57 |
0.00 |
572.50 |
38.0060 |
37.98 |
1,336.02 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 89.56 % |
Initial APR: 479.189 % |
| Level payment: 343.50 |
Final payment: 343.50 |
Last scheduled payment day: 104 |
| Total scheduled payments: 1,374.00 |
Total principal: 1,336.02 |
Total interest: 37.98 |
FSharp.Finance.Personal