InterestFirstTest019
| 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 |
2023-09-22 |
740.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
435.3000 |
740.00 |
740.00 |
| 7 |
2023-09-29 |
n/a |
original 293.82 |
1 |
293.82 |
n/a |
0.00 |
missed payment |
open |
41.4400 |
0.0000 |
0.00 |
0.00 |
435.3000 |
740.00 |
781.44 |
| 37 |
2023-10-29 |
n/a |
original 293.82 |
2 |
293.82 |
n/a |
0.00 |
paid later owing 43.82 |
open |
177.6000 |
0.0000 |
0.00 |
0.00 |
435.3000 |
740.00 |
959.04 |
| 42 |
2023-11-03 |
n/a |
n/a |
2 |
0.00 |
confirmed 200.00 |
200.00 |
extra payment |
open |
29.6000 |
0.0000 |
200.00 |
0.00 |
235.3000 |
740.00 |
788.64 |
| 56 |
2023-11-17 |
n/a |
n/a |
2 |
0.00 |
confirmed 50.00 |
50.00 |
extra payment |
open |
82.8800 |
0.0000 |
50.00 |
0.00 |
185.3000 |
740.00 |
821.52 |
| 68 |
2023-11-29 |
n/a |
original 293.82 |
3 |
293.82 |
n/a |
0.00 |
missed payment |
open |
71.0400 |
0.0000 |
0.00 |
0.00 |
185.3000 |
740.00 |
892.56 |
| 98 |
2023-12-29 |
n/a |
original 293.82 |
4 |
293.82 |
n/a |
0.00 |
paid later in full |
open |
177.6000 |
144.8600 |
0.00 |
0.00 |
330.1600 |
740.00 |
1,070.16 |
| 133 |
2024-02-02 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
159.8400 |
159.8400 |
35.00 |
0.00 |
455.0000 |
740.00 |
1,195.00 |
| 143 |
2024-02-12 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00
confirmed 35.00 |
70.00 |
extra payment |
open |
0.0000 |
0.0000 |
70.00 |
0.00 |
385.0000 |
740.00 |
1,125.00 |
| 147 |
2024-02-16 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
35.00 |
0.00 |
350.0000 |
740.00 |
1,090.00 |
| 154 |
2024-02-23 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00
confirmed 35.00 |
70.00 |
extra payment |
open |
0.0000 |
0.0000 |
70.00 |
0.00 |
280.0000 |
740.00 |
1,020.00 |
| 164 |
2024-03-04 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
35.00 |
0.00 |
245.0000 |
740.00 |
985.00 |
| 175 |
2024-03-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00
confirmed 35.00 |
70.00 |
extra payment |
open |
0.0000 |
0.0000 |
70.00 |
0.00 |
175.0000 |
740.00 |
915.00 |
| 182 |
2024-03-22 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
35.00 |
0.00 |
140.0000 |
740.00 |
880.00 |
| 189 |
2024-03-29 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
35.00 |
0.00 |
105.0000 |
740.00 |
845.00 |
| 203 |
2024-04-12 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
35.00 |
0.00 |
70.0000 |
740.00 |
810.00 |
| 206 |
2024-04-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
35.00 |
0.00 |
35.0000 |
740.00 |
775.00 |
| 210 |
2024-04-19 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
35.00 |
0.00 |
0.0000 |
740.00 |
740.00 |
| 217 |
2024-04-26 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
705.00 |
705.00 |
| 224 |
2024-05-03 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
670.00 |
670.00 |
| 231 |
2024-05-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
635.00 |
635.00 |
| 238 |
2024-05-17 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
600.00 |
600.00 |
| 245 |
2024-05-24 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
565.00 |
565.00 |
| 252 |
2024-05-31 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
530.00 |
530.00 |
| 259 |
2024-06-07 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
495.00 |
495.00 |
| 266 |
2024-06-14 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
460.00 |
460.00 |
| 273 |
2024-06-21 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
425.00 |
425.00 |
| 280 |
2024-06-28 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
390.00 |
390.00 |
| 287 |
2024-07-05 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
355.00 |
355.00 |
| 294 |
2024-07-12 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
320.00 |
320.00 |
| 301 |
2024-07-19 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
285.00 |
285.00 |
| 308 |
2024-07-26 |
n/a |
n/a |
4 |
0.00 |
confirmed 35.00 |
35.00 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
35.00 |
0.0000 |
250.00 |
250.00 |
| 314 |
2024-08-01 |
n/a |
n/a |
4 |
0.00 |
confirmed 250.00 |
250.00 |
extra payment |
closed |
0.0000 |
0.0000 |
0.00 |
250.00 |
0.0000 |
0.00 |
0.00 |
| ★ 361 |
2024-09-17 |
n/a |
n/a |
4 |
0.00 |
n/a |
0.00 |
information only |
closed |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.2770083102 % per day |
Final cost-to-borrowing ratio: 100 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 98 |
| Final actual payment count: 31 |
Last actual payment day: 314 |
Description
Realistic test 6045bd0ffc0f
Generated: see details
Basic Parameters
| Evaluation Date |
2024-09-17 |
| Start Date |
2023-09-22 |
| Principal |
740.00 |
| Schedule options |
| config: fixed schedules |
| unit-period config: monthly from 2023-09 on 29 |
payment count: 4 |
| payment value: 293.82 |
schedule type: original |
|
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Interest options |
| standard rate: 0.8 % 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: 0 day(s) |
rate on negative balance: 8 % per year |
| 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 |
435.30 |
740.00 |
0.0000 |
0.00 |
0.00 |
| 7 |
293.82 |
41.4400 |
293.82 |
0.00 |
141.48 |
740.00 |
41.4400 |
293.82 |
0.00 |
| 37 |
293.82 |
177.6000 |
141.48 |
152.34 |
0.00 |
587.66 |
219.0400 |
435.30 |
152.34 |
| 68 |
293.82 |
145.7397 |
0.00 |
293.82 |
0.00 |
293.84 |
364.7797 |
435.30 |
446.16 |
| 98 |
293.82 |
70.5216 |
0.00 |
293.82 |
0.00 |
0.02 |
435.3013 |
435.30 |
739.98 |
Initial Stats
| Initial interest balance: 435.30 |
Initial cost-to-borrowing ratio: 58.83 % |
Initial APR: 3569.1 % |
| Level payment: 293.82 |
Final payment: 293.82 |
Last scheduled payment day: 98 |
| Total scheduled payments: 1,175.28 |
Total principal: 739.98 |
Total interest: 435.30 |
FSharp.Finance.Personal