InterestFirstTest022
| 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 |
2018-01-26 |
340.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
340.0000 |
340.00 |
340.00 |
| 34 |
2018-03-01 |
n/a |
original 55.60 |
1 |
55.60 |
55.60 failed |
0.00 |
paid later in full |
open |
92.4800 |
0.0000 |
0.00 |
0.00 |
340.0000 |
340.00 |
432.48 |
| 35 |
2018-03-02 |
n/a |
n/a |
1 |
0.00 |
confirmed 55.71 |
55.71 |
extra payment |
open |
2.7200 |
0.0000 |
55.71 |
0.00 |
284.2900 |
340.00 |
379.49 |
| 60 |
2018-03-27 |
n/a |
n/a |
1 |
0.00 |
confirmed 55.60 |
55.60 |
extra payment |
open |
68.0000 |
0.0000 |
55.60 |
0.00 |
228.6900 |
340.00 |
391.89 |
| 65 |
2018-04-01 |
n/a |
original 55.60 |
2 |
0.00 |
n/a |
0.00 |
nothing due |
open |
13.6000 |
0.0000 |
0.00 |
0.00 |
228.6900 |
340.00 |
405.49 |
| 90 |
2018-04-26 |
n/a |
n/a |
2 |
0.00 |
confirmed 55.60 |
55.60 |
extra payment |
open |
68.0000 |
0.0000 |
55.60 |
0.00 |
173.0900 |
340.00 |
417.89 |
| 95 |
2018-05-01 |
n/a |
original 55.60 |
3 |
0.00 |
n/a |
0.00 |
nothing due |
open |
13.6000 |
0.0000 |
0.00 |
0.00 |
173.0900 |
340.00 |
431.49 |
| 119 |
2018-05-25 |
n/a |
n/a |
3 |
0.00 |
confirmed 55.60 |
55.60 |
extra payment |
open |
65.2800 |
0.0000 |
55.60 |
0.00 |
117.4900 |
340.00 |
441.17 |
| 126 |
2018-06-01 |
n/a |
original 55.60 |
4 |
0.00 |
n/a |
0.00 |
nothing due |
open |
16.3200 |
0.0000 |
0.00 |
0.00 |
117.4900 |
340.00 |
457.49 |
| 152 |
2018-06-27 |
n/a |
n/a |
4 |
0.00 |
confirmed 55.60 |
55.60 |
extra payment |
open |
0.0000 |
0.0000 |
55.60 |
0.00 |
61.8900 |
340.00 |
401.89 |
| 156 |
2018-07-01 |
n/a |
original 55.60 |
5 |
0.00 |
n/a |
0.00 |
nothing due |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
61.8900 |
340.00 |
401.89 |
| 187 |
2018-08-01 |
n/a |
original 55.60 |
6 |
55.49 |
n/a |
0.00 |
paid later in full |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
61.8900 |
340.00 |
401.89 |
| 214 |
2018-08-28 |
n/a |
n/a |
6 |
0.00 |
confirmed 58.57
confirmed 55.60 |
114.17 |
extra payment |
open |
0.0000 |
0.0000 |
61.89 |
52.28 |
0.0000 |
287.72 |
287.72 |
| 218 |
2018-09-01 |
n/a |
original 55.60 |
7 |
0.00 |
n/a |
0.00 |
nothing due |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
287.72 |
287.72 |
| 248 |
2018-10-01 |
n/a |
original 55.60 |
8 |
52.52 |
n/a |
0.00 |
paid later in full |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
287.72 |
287.72 |
| 273 |
2018-10-26 |
n/a |
n/a |
8 |
0.00 |
confirmed 58.35
confirmed 55.60 |
113.95 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
113.95 |
0.0000 |
173.77 |
173.77 |
| 279 |
2018-11-01 |
n/a |
original 55.60 |
9 |
0.00 |
n/a |
0.00 |
nothing due |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
173.77 |
173.77 |
| 305 |
2018-11-27 |
n/a |
n/a |
9 |
0.00 |
confirmed 166.78 |
166.78 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
166.78 |
0.0000 |
6.99 |
6.99 |
| 309 |
2018-12-01 |
n/a |
original 55.60 |
10 |
0.00 |
n/a |
0.00 |
nothing due |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
6.99 |
6.99 |
| 340 |
2019-01-01 |
n/a |
original 55.60 |
11 |
0.00 |
n/a |
0.00 |
nothing due |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
6.99 |
6.99 |
| 371 |
2019-02-01 |
n/a |
original 55.58 |
12 |
0.00 |
n/a |
0.00 |
nothing due |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
6.99 |
6.99 |
| ★ 2426 |
2024-09-17 |
n/a |
n/a |
12 |
0.00 |
n/a |
0.00 |
information only |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
6.99 |
6.99 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: open |
| Effective interest rate: 0.0420853405 % per day |
Final cost-to-borrowing ratio: 102.1 % |
| Required scheduled payment count: 12 |
Last required scheduled payment day: 371 |
| Final actual payment count: 11 |
Last actual payment day: 305 |
Description
Realistic test 0004ffd74fbbn
Generated: see details
Basic Parameters
| Evaluation Date |
2024-09-17 |
| Start Date |
2018-01-26 |
| Principal |
340.00 |
| Schedule options |
| config: fixed schedules |
| unit-period config: monthly from 2018-03 on 01 |
payment count: 11 |
| payment value: 55.60 |
schedule type: original |
|
| unit-period config: monthly from 2019-02 on 01 |
payment count: 1 |
| payment value: 55.58 |
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 |
340.00 |
340.00 |
0.0000 |
0.00 |
0.00 |
| 34 |
55.60 |
92.4800 |
55.60 |
0.00 |
284.40 |
340.00 |
92.4800 |
55.60 |
0.00 |
| 65 |
55.60 |
84.3200 |
55.60 |
0.00 |
228.80 |
340.00 |
176.8000 |
111.20 |
0.00 |
| 95 |
55.60 |
81.6000 |
55.60 |
0.00 |
173.20 |
340.00 |
258.4000 |
166.80 |
0.00 |
| 126 |
55.60 |
81.6000 |
55.60 |
0.00 |
117.60 |
340.00 |
340.0000 |
222.40 |
0.00 |
| 156 |
55.60 |
0.0000 |
55.60 |
0.00 |
62.00 |
340.00 |
340.0000 |
278.00 |
0.00 |
| 187 |
55.60 |
0.0000 |
55.60 |
0.00 |
6.40 |
340.00 |
340.0000 |
333.60 |
0.00 |
| 218 |
55.60 |
0.0000 |
6.40 |
49.20 |
0.00 |
290.80 |
340.0000 |
340.00 |
49.20 |
| 248 |
55.60 |
0.0000 |
0.00 |
55.60 |
0.00 |
235.20 |
340.0000 |
340.00 |
104.80 |
| 279 |
55.60 |
0.0000 |
0.00 |
55.60 |
0.00 |
179.60 |
340.0000 |
340.00 |
160.40 |
| 309 |
55.60 |
0.0000 |
0.00 |
55.60 |
0.00 |
124.00 |
340.0000 |
340.00 |
216.00 |
| 340 |
55.60 |
0.0000 |
0.00 |
55.60 |
0.00 |
68.40 |
340.0000 |
340.00 |
271.60 |
| 371 |
55.58 |
0.0000 |
0.00 |
55.58 |
0.00 |
12.82 |
340.0000 |
340.00 |
327.18 |
Initial Stats
| Initial interest balance: 340.00 |
Initial cost-to-borrowing ratio: 103.92 % |
Initial APR: 286.6 % |
| Level payment: 55.60 |
Final payment: 55.58 |
Last scheduled payment day: 371 |
| Total scheduled payments: 667.18 |
Total principal: 327.18 |
Total interest: 340.00 |
FSharp.Finance.Personal