InterestFirstTest024
| 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 |
2021-02-02 |
350.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
350.00 |
350.00 |
| 26 |
2021-02-28 |
n/a |
original 168.00 |
1 |
168.00 |
confirmed 168.00 |
168.00 |
payment made |
open |
72.8000 |
72.8000 |
72.80 |
95.20 |
0.0000 |
254.80 |
254.80 |
| 54 |
2021-03-28 |
n/a |
original 168.00 |
2 |
168.00 |
n/a |
0.00 |
missed payment |
open |
57.0752 |
57.0752 |
0.00 |
0.00 |
57.0752 |
254.80 |
311.87 |
| 85 |
2021-04-28 |
n/a |
original 168.00 |
3 |
168.00 |
confirmed 84.00 |
84.00 |
paid later owing 84.00 |
open |
63.1904 |
63.1904 |
84.00 |
0.00 |
36.2656 |
254.80 |
291.06 |
| 115 |
2021-05-28 |
n/a |
original 168.00 |
4 |
168.00 |
n/a |
0.00 |
paid later in full |
open |
61.1520 |
61.1520 |
0.00 |
0.00 |
97.4176 |
254.80 |
352.21 |
| 189 |
2021-08-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
95.7824 |
95.7880 |
5.46 |
0.00 |
187.7456 |
254.80 |
442.54 |
| 220 |
2021-09-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0056 |
5.45 |
0.00 |
182.3012 |
254.80 |
437.08 |
| 251 |
2021-10-11 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0012 |
5.45 |
0.00 |
176.8524 |
254.80 |
431.63 |
| 281 |
2021-11-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0024 |
5.45 |
0.00 |
171.4048 |
254.80 |
426.18 |
| 317 |
2021-12-16 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0048 |
5.45 |
0.00 |
165.9596 |
254.80 |
420.73 |
| 402 |
2022-03-11 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0096 |
5.44 |
0.00 |
160.5292 |
254.80 |
415.28 |
| 422 |
2022-03-31 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0092 |
5.43 |
0.00 |
155.1084 |
254.80 |
409.84 |
| 430 |
2022-04-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 7.06 |
7.06 |
extra payment |
open |
0.0000 |
0.0084 |
7.02 |
0.00 |
148.0968 |
254.80 |
402.81 |
| 462 |
2022-05-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0068 |
5.93 |
0.00 |
142.1736 |
254.80 |
396.87 |
| 506 |
2022-06-23 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0036 |
5.93 |
0.00 |
136.2472 |
254.80 |
390.94 |
| 531 |
2022-07-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0072 |
5.92 |
0.00 |
130.3344 |
254.80 |
385.01 |
| 562 |
2022-08-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0044 |
5.92 |
0.00 |
124.4188 |
254.80 |
379.09 |
| 583 |
2022-09-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 6.89 |
6.89 |
extra payment |
open |
0.0000 |
0.0088 |
6.82 |
0.00 |
117.6076 |
254.80 |
372.26 |
| 615 |
2022-10-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0076 |
8.61 |
0.00 |
109.0052 |
254.80 |
363.64 |
| 646 |
2022-11-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0052 |
8.60 |
0.00 |
100.4104 |
254.80 |
355.03 |
| 689 |
2022-12-23 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0004 |
8.60 |
0.00 |
91.8108 |
254.80 |
346.43 |
| 715 |
2023-01-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0008 |
8.60 |
0.00 |
83.2116 |
254.80 |
337.83 |
| 741 |
2023-02-13 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0016 |
8.60 |
0.00 |
74.6132 |
254.80 |
329.23 |
| 750 |
2023-02-22 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0032 |
8.60 |
0.00 |
66.0164 |
254.80 |
320.63 |
| 771 |
2023-03-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0064 |
8.59 |
0.00 |
57.4328 |
254.80 |
312.03 |
| 799 |
2023-04-12 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.21 |
9.21 |
extra payment |
open |
0.0000 |
0.0028 |
9.11 |
0.00 |
48.3256 |
254.80 |
302.92 |
| 855 |
2023-06-07 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.21 |
9.21 |
extra payment |
open |
0.0000 |
0.0056 |
9.10 |
0.00 |
39.2312 |
254.80 |
293.81 |
| 856 |
2023-06-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0012 |
8.51 |
0.00 |
30.7224 |
254.80 |
285.30 |
| 895 |
2023-07-17 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0024 |
8.51 |
0.00 |
22.2148 |
254.80 |
276.79 |
| 924 |
2023-08-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0048 |
8.51 |
0.00 |
13.7096 |
254.80 |
268.28 |
| 954 |
2023-09-14 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0096 |
8.50 |
0.00 |
5.2192 |
254.80 |
259.77 |
| 988 |
2023-10-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0092 |
5.09 |
3.53 |
0.1384 |
251.27 |
251.27 |
| 1039 |
2023-12-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0084 |
0.00 |
8.83 |
0.1468 |
242.44 |
242.44 |
| 1073 |
2024-01-11 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.1468 |
233.61 |
233.61 |
| 1106 |
2024-02-13 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.1468 |
224.78 |
224.78 |
| 1141 |
2024-03-19 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.1468 |
215.95 |
215.95 |
| 1169 |
2024-04-16 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.1468 |
207.12 |
207.12 |
| 1192 |
2024-05-09 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.1468 |
198.29 |
198.29 |
| 1224 |
2024-06-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.1468 |
189.18 |
189.18 |
| 1253 |
2024-07-09 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.1468 |
180.07 |
180.07 |
| 1290 |
2024-08-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.1468 |
170.96 |
170.96 |
| 1316 |
2024-09-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.1468 |
161.85 |
161.85 |
| ★ 1323 |
2024-09-17 |
n/a |
n/a |
4 |
0.00 |
n/a |
0.00 |
information only |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.1468 |
161.85 |
161.85 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: open |
| Effective interest rate: 0.1406060402 % per day |
Final cost-to-borrowing ratio: 186.02 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 115 |
| Final actual payment count: 39 |
Last actual payment day: 1316 |
Description
Realistic test 0003ff00bffb with actuarial method
Generated: see details
Basic Parameters
| Evaluation Date |
2024-09-17 |
| Start Date |
2021-02-02 |
| Principal |
350.00 |
| Schedule options |
| config: fixed schedules |
| unit-period config: monthly from 2021-02 on 28 |
payment count: 4 |
| payment value: 168.00 |
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: 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: 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 |
0.00 |
350.00 |
0.0000 |
0.00 |
0.00 |
| 26 |
168.00 |
72.8000 |
72.80 |
95.20 |
0.00 |
254.80 |
72.8000 |
72.80 |
95.20 |
| 54 |
168.00 |
57.0752 |
57.07 |
110.93 |
0.00 |
143.87 |
129.8752 |
129.87 |
206.13 |
| 85 |
168.00 |
35.6798 |
35.67 |
132.33 |
0.00 |
11.54 |
165.5550 |
165.54 |
338.46 |
| 115 |
168.00 |
2.7696 |
2.76 |
165.24 |
0.00 |
-153.70 |
168.3246 |
168.30 |
503.70 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 33.41 % |
Initial APR: 3915.9 % |
| Level payment: 168.00 |
Final payment: 168.00 |
Last scheduled payment day: 115 |
| Total scheduled payments: 672.00 |
Total principal: 503.70 |
Total interest: 168.30 |
FSharp.Finance.Personal