ActualPaymentTest020
| 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 |
2024-04-12 |
100.00 |
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 |
100.00 |
0.00 |
0.0000 |
0.00 |
100.00 |
0.00 |
| 7 |
2024-04-19 |
n/a |
original 35.48 |
1 |
35.48 |
n/a |
n/a |
0.00 |
paid later in full |
open |
5.6000 |
5.6000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
100.00 |
0.00 |
5.6000 |
0.00 |
105.60 |
0.00 |
| 28 |
2024-05-10 |
n/a |
n/a |
1 |
0.00 |
confirmed 35.48 |
n/a |
35.48 |
extra payment |
open |
16.8000 |
16.8000 |
n/a |
13.08 |
0.00 |
22.40 |
0.00 |
0.00 |
86.92 |
0.00 |
0.0000 |
0.00 |
86.92 |
0.00 |
| 37 |
2024-05-19 |
n/a |
original 35.48 |
2 |
35.48 |
n/a |
n/a |
0.00 |
missed payment |
open |
6.2582 |
6.2582 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
86.92 |
0.00 |
6.2582 |
0.00 |
93.17 |
0.00 |
| 68 |
2024-06-19 |
n/a |
original 35.48 |
3 |
35.48 |
n/a |
n/a |
0.00 |
missed payment |
open |
21.5562 |
21.5562 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
86.92 |
0.00 |
27.8144 |
0.00 |
114.73 |
0.00 |
| 82 |
2024-07-03 |
n/a |
n/a |
3 |
0.00 |
n/a |
n/a |
0.00 |
information only |
open |
9.7350 |
9.7350 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
86.92 |
0.00 |
37.5494 |
0.00 |
124.46 |
0.00 |
| 98 |
2024-07-19 |
n/a |
original 35.48 |
4 |
35.48 |
n/a |
n/a |
35.48 |
not yet due |
open |
11.1258 |
11.1258 |
n/a |
0.00 |
0.00 |
35.48 |
0.00 |
0.00 |
86.92 |
0.00 |
13.1952 |
0.00 |
100.11 |
0.00 |
Description
Late payment
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2024-07-03 |
| Start Date |
2024-04-12 |
| Principal |
100.00 |
| Schedule options |
| config: fixed schedules |
| unit-period config: monthly from 2024-04 on 19 |
payment count: 4 |
| payment value: 35.48 |
schedule type: original |
|
|
| Payment options |
| scheduling: as scheduled |
| rounding: rounded up |
| timeout: 0 |
| minimum: no minimum payment |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Charge options |
no charges
|
| Interest options |
| standard rate: 0.8 % per day |
method: simple |
| rounding: rounded down |
APR method: UK FCA to 1 d.p. |
| initial grace period: 0 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: 42.13 % |
Initial APR: 1305.7 % |
| Level payment: 35.48 |
Final payment: 35.48 |
Last scheduled payment day: 98 |
| Total scheduled payments: 141.92 |
Total principal: 99.85 |
Total interest: 42.07 |
Final Stats
| Generated settlement: n/a |
Final balance status: open |
| Effective interest rate: 4.515384135 % per day |
Final cost-to-borrowing ratio: 442.51 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 98 |
| Final actual payment count: 1 |
Last actual payment day: 28 |
FSharp.Finance.Personal