QuoteTest002
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Generated payment |
Net effect |
Payment status |
Balance status |
New charges |
Charges portion |
Actuarial interest |
New interest |
Interest portion |
Fee rebate if settled |
Fee rebate |
Fee portion |
Principal portion |
Charges balance |
Interest balance |
Fee balance |
Principal balance |
Settlement figure |
| 0 |
2024-08-02 |
1,200.00 |
n/a |
0 |
0.00 |
n/a |
n/a |
0.00 |
none scheduled |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
2,273.64 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
2,273.64 |
1,200.00 |
3,473.64 |
| 15 |
2024-08-17 |
n/a |
original 323.15 |
1 |
323.15 |
n/a |
n/a |
0.00 |
paid later owing 273.15 |
open |
late payment 10.00 |
0.00 |
14.2039 |
14.2039 |
0.00 |
2,053.62 |
0.00 |
0.00 |
0.00 |
10.00 |
14.2039 |
2,273.64 |
1,200.00 |
1,444.22 |
| 18 |
2024-08-20 |
n/a |
n/a |
1 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
n/a |
10.00 |
2.8408 |
2.8408 |
15.00 |
2,009.61 |
0.00 |
0.00 |
0.00 |
0.00 |
2.0446 |
2,273.64 |
1,200.00 |
1,466.07 |
| 25 |
2024-08-27 |
n/a |
n/a |
1 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
n/a |
0.00 |
6.6285 |
6.6285 |
8.67 |
1,906.93 |
0.00 |
10.69 |
5.64 |
0.00 |
0.0000 |
2,262.95 |
1,194.36 |
1,550.38 |
| 29 |
2024-08-31 |
n/a |
original 323.15 |
2 |
323.15 |
n/a |
n/a |
0.00 |
paid later owing 273.15 |
open |
late payment 10.00 |
0.00 |
3.7699 |
3.7699 |
0.00 |
1,848.25 |
0.00 |
0.00 |
0.00 |
10.00 |
3.7699 |
2,262.95 |
1,194.36 |
1,622.82 |
| 32 |
2024-09-03 |
n/a |
n/a |
2 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
n/a |
10.00 |
2.8274 |
2.8274 |
6.59 |
1,804.25 |
0.00 |
5.51 |
2.90 |
0.00 |
0.0000 |
2,257.44 |
1,191.46 |
1,644.65 |
| 39 |
2024-09-10 |
n/a |
n/a |
2 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
n/a |
0.00 |
6.5813 |
6.5813 |
6.58 |
1,701.57 |
0.00 |
12.06 |
6.36 |
0.00 |
0.0000 |
2,245.38 |
1,185.10 |
1,728.91 |
| 43 |
2024-09-14 |
n/a |
original 323.15 |
3 |
323.15 |
n/a |
n/a |
0.00 |
paid later owing 273.15 |
open |
late payment 10.00 |
0.00 |
3.7406 |
3.7406 |
0.00 |
1,642.89 |
0.00 |
0.00 |
0.00 |
10.00 |
3.7406 |
2,245.38 |
1,185.10 |
1,801.33 |
| 46 |
2024-09-17 |
n/a |
n/a |
3 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
n/a |
10.00 |
2.8055 |
2.8055 |
6.54 |
1,598.89 |
0.00 |
5.54 |
2.92 |
0.00 |
0.0000 |
2,239.84 |
1,182.18 |
1,823.13 |
| 53 |
2024-09-24 |
n/a |
n/a |
3 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
n/a |
0.00 |
6.5300 |
6.5300 |
6.52 |
1,496.21 |
0.00 |
12.10 |
6.38 |
0.00 |
0.0000 |
2,227.74 |
1,175.80 |
1,907.33 |
| 57 |
2024-09-28 |
n/a |
original 323.15 |
4 |
323.15 |
n/a |
n/a |
0.00 |
payment due |
open |
n/a |
0.00 |
3.7113 |
3.7113 |
0.00 |
1,437.53 |
0.00 |
0.00 |
0.00 |
0.00 |
3.7113 |
2,227.74 |
1,175.80 |
1,969.72 |
| ✓ 60 |
2024-10-01 |
n/a |
n/a |
4 |
0.00 |
confirmed 25.00 |
1,991.50 |
2,016.50 |
generated |
closed |
n/a |
0.00 |
2.7834 |
2.7834 |
6.49 |
1,393.53 |
1,393.53 |
834.21 |
1,175.80 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 71 |
2024-10-12 |
n/a |
original 323.15 |
5 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 85 |
2024-10-26 |
n/a |
original 323.15 |
6 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 99 |
2024-11-09 |
n/a |
original 323.15 |
7 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 113 |
2024-11-23 |
n/a |
original 323.15 |
8 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 127 |
2024-12-07 |
n/a |
original 323.15 |
9 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 141 |
2024-12-21 |
n/a |
original 323.15 |
10 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 155 |
2025-01-04 |
n/a |
original 323.10 |
11 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: 1,991.50 on day 60 |
Final balance status: closed |
| Effective interest rate: 0.01748976985 % per day |
Final cost-to-borrowing ratio: 80.54 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 57 |
| Final actual payment count: 7 |
Last actual payment day: 60 |
Description
Settlement not falling on a scheduled payment date but having an actual payment already made on the same day
Generated: see details
Basic Parameters
| Evaluation Date |
2024-10-01 |
| Start Date |
2024-08-02 |
| Principal |
1,200.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 11 |
| unit-period config: 2-weekly from 2024-08-17 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
| fee type: CAB/CSO fee 189.47 % |
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 6 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 |
| Type |
Charge |
Grouping |
Holidays |
| late payment |
10.00 | one charge per day | n/a |
| insufficient funds |
7.50 | one charge per day | n/a |
|
| Settlement day | on evaluation day |
| Trim unrequired payments | true |
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 |
3,473.64 |
0.0000 |
0.00 |
0.00 |
| 15 |
323.15 |
14.2039 |
14.20 |
308.95 |
0.00 |
3,164.69 |
14.2039 |
14.20 |
308.95 |
| 29 |
323.15 |
12.0778 |
12.07 |
311.08 |
0.00 |
2,853.61 |
26.2817 |
26.27 |
620.03 |
| 43 |
323.15 |
10.8906 |
10.89 |
312.26 |
0.00 |
2,541.35 |
37.1723 |
37.16 |
932.29 |
| 57 |
323.15 |
9.6989 |
9.69 |
313.46 |
0.00 |
2,227.89 |
46.8712 |
46.85 |
1,245.75 |
| 71 |
323.15 |
8.5026 |
8.50 |
314.65 |
0.00 |
1,913.24 |
55.3738 |
55.35 |
1,560.40 |
| 85 |
323.15 |
7.3018 |
7.30 |
315.85 |
0.00 |
1,597.39 |
62.6756 |
62.65 |
1,876.25 |
| 99 |
323.15 |
6.0963 |
6.09 |
317.06 |
0.00 |
1,280.33 |
68.7719 |
68.74 |
2,193.31 |
| 113 |
323.15 |
4.8863 |
4.88 |
318.27 |
0.00 |
962.06 |
73.6582 |
73.62 |
2,511.58 |
| 127 |
323.15 |
3.6716 |
3.67 |
319.48 |
0.00 |
642.58 |
77.3299 |
77.29 |
2,831.06 |
| 141 |
323.15 |
2.4524 |
2.45 |
320.70 |
0.00 |
321.88 |
79.7823 |
79.74 |
3,151.76 |
| 155 |
323.10 |
1.2284 |
1.22 |
321.88 |
0.00 |
0.00 |
81.0107 |
80.96 |
3,473.64 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 67.78 % |
Initial APR: 623.703586 % |
| Level payment: 323.15 |
Final payment: 323.10 |
Last scheduled payment day: 155 |
| Total scheduled payments: 3,554.60 |
Total principal: 3,473.64 |
Total interest: 80.96 |
FSharp.Finance.Personal