QuoteTest023
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Generated payment |
Net effect |
Payment status |
Balance status |
Actuarial interest |
New interest |
Interest portion |
Principal portion |
Interest balance |
Principal balance |
Settlement figure |
| 0 |
2024-02-02 |
250.00 |
n/a |
0 |
0.00 |
n/a |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
250.00 |
250.00 |
| 5 |
2024-02-07 |
n/a |
n/a |
0 |
0.00 |
confirmed -5.10 |
n/a |
-5.10 |
refunded |
open |
10.0000 |
10.0000 |
0.00 |
-5.10 |
10.0000 |
255.10 |
255.10 |
| 6 |
2024-02-08 |
n/a |
n/a |
0 |
0.00 |
confirmed 2.00 |
n/a |
2.00 |
extra payment |
open |
2.0408 |
2.0408 |
2.00 |
0.00 |
10.0408 |
255.10 |
265.14 |
| 16 |
2024-02-18 |
n/a |
n/a |
0 |
0.00 |
confirmed 97.01
confirmed 97.01 |
n/a |
194.02 |
extra payment |
open |
20.4080 |
20.4080 |
30.44 |
163.58 |
0.0000 |
91.52 |
91.52 |
| 20 |
2024-02-22 |
n/a |
original 97.10 |
1 |
0.00 |
n/a |
n/a |
0.00 |
nothing due |
open |
2.9286 |
2.9286 |
0.00 |
0.00 |
2.9286 |
91.52 |
94.44 |
| ✓ 34 |
2024-03-07 |
n/a |
n/a |
1 |
0.00 |
n/a |
104.69 |
104.69 |
generated |
closed |
10.2502 |
10.2502 |
13.17 |
91.52 |
0.0000 |
0.00 |
0.00 |
| 49 |
2024-03-22 |
n/a |
original 97.10 |
2 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
| 80 |
2024-04-22 |
n/a |
original 97.10 |
3 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
| 110 |
2024-05-22 |
n/a |
original 97.09 |
4 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: 104.69 on day 34 |
Final balance status: closed |
| Effective interest rate: 0.1658545455 % per day |
Final cost-to-borrowing ratio: 18.24 % |
| Required scheduled payment count: 1 |
Last required scheduled payment day: 20 |
| Final actual payment count: 4 |
Last actual payment day: 16 |
Description
Curveball
Generated: see details
Basic Parameters
| Evaluation Date |
2024-03-07 |
| Start Date |
2024-02-02 |
| Principal |
250.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 4 |
| unit-period config: monthly from 2024-02 on 22 |
|
| 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: 0 days |
| minimum: no minimum payment |
|
| 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 | 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 |
250.00 |
0.0000 |
0.00 |
0.00 |
| 20 |
97.10 |
40.0000 |
40.00 |
57.10 |
0.00 |
192.90 |
40.0000 |
40.00 |
57.10 |
| 49 |
97.10 |
44.7528 |
44.75 |
52.35 |
0.00 |
140.55 |
84.7528 |
84.75 |
109.45 |
| 80 |
97.10 |
34.8564 |
34.85 |
62.25 |
0.00 |
78.30 |
119.6092 |
119.60 |
171.70 |
| 110 |
97.09 |
18.7920 |
18.79 |
78.30 |
0.00 |
0.00 |
138.4012 |
138.39 |
250.00 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 55.36 % |
Initial APR: 1316 % |
| Level payment: 97.10 |
Final payment: 97.09 |
Last scheduled payment day: 110 |
| Total scheduled payments: 388.39 |
Total principal: 250.00 |
Total interest: 138.39 |
FSharp.Finance.Personal