ActualPaymentTest004
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Generated payment |
Net effect |
Payment status |
Balance status |
Simple interest |
New interest |
New charges |
Principal portion |
Fee portion |
Interest portion |
Charges portion |
Fee rebate |
Principal balance |
Fee balance |
Interest balance |
Charges balance |
Settlement figure |
Fee rebate if settled |
| 0 |
2022-11-01 |
1,500.00 |
n/a |
0 |
0.00 |
n/a |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
0.0000 |
0.00 |
1,500.00 |
0.00 |
| 2 |
2022-11-03 |
n/a |
n/a |
0 |
0.00 |
confirmed 491.53 |
n/a |
491.53 |
extra payment |
open |
24.0000 |
24.0000 |
n/a |
467.53 |
0.00 |
24.00 |
0.00 |
0.00 |
1,032.47 |
0.00 |
0.0000 |
0.00 |
1,032.47 |
0.00 |
| 4 |
2022-11-05 |
n/a |
n/a |
0 |
0.00 |
confirmed 491.53 |
n/a |
491.53 |
extra payment |
open |
16.5195 |
16.5195 |
n/a |
475.02 |
0.00 |
16.51 |
0.00 |
0.00 |
557.45 |
0.00 |
0.0000 |
0.00 |
557.45 |
0.00 |
| 14 |
2022-11-15 |
n/a |
original 491.53 |
1 |
0.00 |
n/a |
n/a |
0.00 |
nothing due |
open |
44.5960 |
44.5960 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
557.45 |
0.00 |
44.5960 |
0.00 |
602.04 |
0.00 |
| 44 |
2022-12-15 |
n/a |
original 491.53 |
2 |
0.00 |
n/a |
n/a |
0.00 |
nothing due |
open |
133.7880 |
133.7880 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
557.45 |
0.00 |
178.3840 |
0.00 |
735.83 |
0.00 |
| 75 |
2023-01-15 |
n/a |
original 491.53 |
3 |
491.53 |
n/a |
n/a |
0.00 |
missed payment |
open |
138.2476 |
138.2476 |
late payment 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
557.45 |
0.00 |
316.6316 |
10.00 |
884.08 |
0.00 |
| 106 |
2023-02-15 |
n/a |
original 491.53 |
4 |
491.53 |
n/a |
n/a |
0.00 |
missed payment |
open |
138.2476 |
138.2476 |
late payment 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
557.45 |
0.00 |
454.8792 |
20.00 |
1,032.32 |
0.00 |
| 134 |
2023-03-15 |
n/a |
original 491.53 |
5 |
491.53 |
n/a |
n/a |
0.00 |
paid later in full |
open |
124.8688 |
124.8688 |
late payment 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
557.45 |
0.00 |
579.7480 |
30.00 |
1,167.19 |
0.00 |
| 140 |
2023-03-21 |
n/a |
n/a |
5 |
0.00 |
confirmed 1,474.59 |
n/a |
1,474.59 |
extra payment |
refund due |
26.7576 |
26.7576 |
n/a |
838.09 |
0.00 |
606.50 |
30.00 |
0.00 |
-280.64 |
0.00 |
0.0000 |
0.00 |
-280.64 |
0.00 |
Description
Made 2 payments on early repayment, then one single overpayment after the full balance is overdue
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2023-03-22 |
| Start Date |
2022-11-01 |
| Principal |
1,500.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 5 |
| unit-period config: monthly from 2022-11 on 15 |
|
| Payment options |
| scheduling: as scheduled |
| rounding: rounded up |
| timeout: 3 |
| minimum: defer or write off up to 0.50 |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Charge options |
| Type |
Charge |
Grouping |
Holidays |
| late payment |
10.00 | one charge per day | n/a |
|
| Interest options |
| standard rate: 0.8 % per day |
method: simple |
| rounding: rounded down |
APR method: UK FCA to 1 d.p. |
| initial grace period: 3 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
| cap: total 100 %; daily 0.8 % |
|
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 63.84 % |
Initial APR: 1314.1 % |
| Level payment: 491.53 |
Final payment: 491.53 |
Last scheduled payment day: 134 |
| Total scheduled payments: 2,457.65 |
Total principal: 1,500.00 |
Total interest: 957.65 |
Final Stats
| Generated settlement: n/a |
Final balance status: refund due |
| Effective interest rate: 0.2595415132 % per day |
Final cost-to-borrowing ratio: 38.02 % |
| Required scheduled payment count: 5 |
Last required scheduled payment day: 134 |
| Final actual payment count: 3 |
Last actual payment day: 140 |
FSharp.Finance.Personal