ActualPaymentTestExtra000
| 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 |
2023-07-23 |
800.00 |
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 |
800.00 |
1,200.00 |
0.0000 |
0.00 |
2,000.00 |
1,200.00 |
| 9 |
2023-08-01 |
n/a |
original 407.67 |
1 |
407.67 |
confirmed 407.67 |
n/a |
407.67 |
payment made |
open |
4.9068 |
4.9068 |
n/a |
161.10 |
241.67 |
4.90 |
0.00 |
0.00 |
638.90 |
958.33 |
0.0000 |
0.00 |
479.67 |
1,117.56 |
| 40 |
2023-09-01 |
n/a |
original 407.67 |
2 |
407.67 |
confirmed 407.67 |
n/a |
407.67 |
payment made |
open |
13.4977 |
13.4977 |
n/a |
157.67 |
236.51 |
13.49 |
0.00 |
0.00 |
481.23 |
721.82 |
0.0000 |
0.00 |
369.46 |
833.59 |
| 70 |
2023-10-01 |
n/a |
original 407.67 |
3 |
407.67 |
confirmed 407.67 |
n/a |
407.67 |
payment made |
open |
9.8386 |
9.8386 |
n/a |
159.13 |
238.71 |
9.83 |
0.00 |
0.00 |
322.10 |
483.11 |
0.0000 |
0.00 |
246.43 |
558.78 |
| 101 |
2023-11-01 |
n/a |
original 407.67 |
4 |
407.67 |
confirmed 407.67 |
n/a |
407.67 |
payment made |
open |
6.8046 |
6.8046 |
n/a |
160.34 |
240.53 |
6.80 |
0.00 |
0.00 |
161.76 |
242.58 |
0.0000 |
0.00 |
129.53 |
274.81 |
| 131 |
2023-12-01 |
n/a |
original 407.64 |
5 |
407.64 |
confirmed 407.64 |
n/a |
407.64 |
payment made |
closed |
3.3067 |
3.3067 |
n/a |
161.76 |
242.58 |
3.30 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Description
Simple schedule fully settled on time
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2023-12-01 |
| Start Date |
2023-07-23 |
| Principal |
800.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 5 |
| unit-period config: monthly from 2023-08 on 01 |
|
| 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 |
| fee type: CAB/CSO fee 150 % |
rounding: rounded down |
| fee amortisation: amortise proportionately |
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 |
|
| Interest options |
| standard rate: 9.95 % per year |
method: simple |
| rounding: rounded down |
APR method: US CFPB actuarial to 6 d.p. |
| initial grace period: 3 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
| cap: total n/a; daily n/a |
|
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 61.92 % |
Initial APR: 772.081662 % |
| Level payment: 407.67 |
Final payment: 407.64 |
Last scheduled payment day: 131 |
| Total scheduled payments: 2,038.32 |
Total principal: 2,000.00 |
Total interest: 38.32 |
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.0146259542 % per day |
Final cost-to-borrowing ratio: 154.79 % |
| Required scheduled payment count: 5 |
Last required scheduled payment day: 131 |
| Final actual payment count: 5 |
Last actual payment day: 131 |
FSharp.Finance.Personal