EdgeCaseTest006
| 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 |
2021-12-26 |
1,500.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
1,500.00 |
1,500.00 |
| 12 |
2022-01-07 |
n/a |
original 439.29 |
1 |
439.29 |
500.00 failed
500.00 failed |
0.00 |
paid later in full |
open |
144.0000 |
144.0000 |
0.00 |
0.00 |
144.0000 |
1,500.00 |
1,644.00 |
| 15 |
2022-01-10 |
n/a |
n/a |
1 |
0.00 |
500.00 failed
500.00 failed
confirmed 500.00 |
500.00 |
extra payment |
open |
36.0000 |
36.0000 |
180.00 |
320.00 |
0.0000 |
1,180.00 |
1,180.00 |
| 43 |
2022-02-07 |
n/a |
original 439.29 |
2 |
378.58 |
500.00 failed
500.00 failed |
0.00 |
paid later in full |
open |
264.3200 |
264.3200 |
0.00 |
0.00 |
264.3200 |
1,180.00 |
1,444.32 |
| 45 |
2022-02-09 |
n/a |
n/a |
2 |
0.00 |
confirmed 1,540.00 |
1,540.00 |
extra payment |
refund due |
18.8800 |
18.8800 |
283.20 |
1,256.80 |
0.0000 |
-76.80 |
-76.80 |
| 71 |
2022-03-07 |
n/a |
original 439.29 |
3 |
0.00 |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
-76.80 |
-76.80 |
| 102 |
2022-04-07 |
n/a |
original 439.29 |
4 |
0.00 |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
-76.80 |
-76.80 |
| 132 |
2022-05-07 |
n/a |
original 439.29 |
5 |
0.00 |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
-76.80 |
-76.80 |
| 163 |
2022-06-07 |
n/a |
original 439.15 |
6 |
0.00 |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
-76.80 |
-76.80 |
| ✓ 807 |
2024-03-12 |
n/a |
n/a |
27 |
0.00 |
n/a |
-76.80 |
generated |
closed |
0.0000 |
0.0000 |
0.00 |
-76.80 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: -76.80 on day 807 |
Final balance status: closed |
| Effective interest rate: 0.03826517968 % per day |
Final cost-to-borrowing ratio: 30.88 % |
| Required scheduled payment count: 2 |
Last required scheduled payment day: 43 |
| Final actual payment count: 8 |
Last actual payment day: 45 |
Description
Quote returning nothing
Generated: see details
Basic Parameters
| Evaluation Date |
2024-03-12 |
| Start Date |
2021-12-26 |
| Principal |
1,500.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 6 |
| unit-period config: monthly from 2022-01 on 07 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Interest options |
| standard rate: 0.8 % per day |
method: actuarial |
| 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 |
0.00 |
1,500.00 |
0.0000 |
0.00 |
0.00 |
| 12 |
439.29 |
144.0000 |
144.00 |
295.29 |
0.00 |
1,204.71 |
144.0000 |
144.00 |
295.29 |
| 43 |
439.29 |
298.7681 |
298.76 |
140.53 |
0.00 |
1,064.18 |
442.7681 |
442.76 |
435.82 |
| 71 |
439.29 |
238.3763 |
238.37 |
200.92 |
0.00 |
863.26 |
681.1444 |
681.13 |
636.74 |
| 102 |
439.29 |
214.0885 |
214.08 |
225.21 |
0.00 |
638.05 |
895.2329 |
895.21 |
861.95 |
| 132 |
439.29 |
153.1320 |
153.13 |
286.16 |
0.00 |
351.89 |
1,048.3649 |
1,048.34 |
1,148.11 |
| 163 |
439.15 |
87.2687 |
87.26 |
351.89 |
0.00 |
0.00 |
1,135.6336 |
1,135.60 |
1,500.00 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 75.71 % |
Initial APR: 1310 % |
| Level payment: 439.29 |
Final payment: 439.15 |
Last scheduled payment day: 163 |
| Total scheduled payments: 2,635.60 |
Total principal: 1,500.00 |
Total interest: 1,135.60 |
FSharp.Finance.Personal