ActualPaymentTestExtra004
| 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 |
2022-09-11 |
200.00 |
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 |
200.00 |
0.00 |
0.0000 |
0.00 |
200.00 |
0.00 |
| 4 |
2022-09-15 |
n/a |
original 51.61 |
1 |
51.61 |
confirmed 51.61 |
n/a |
51.61 |
payment made |
open |
6.4000 |
6.4000 |
n/a |
45.21 |
0.00 |
6.40 |
0.00 |
0.00 |
154.79 |
0.00 |
0.0000 |
0.00 |
154.79 |
0.00 |
| 34 |
2022-10-15 |
n/a |
original 51.61 |
2 |
51.61 |
confirmed 51.61 |
n/a |
51.61 |
payment made |
open |
37.1496 |
37.1496 |
n/a |
14.47 |
0.00 |
37.14 |
0.00 |
0.00 |
140.32 |
0.00 |
0.0000 |
0.00 |
140.32 |
0.00 |
| 65 |
2022-11-15 |
n/a |
original 51.61 |
3 |
51.61 |
confirmed 51.61 |
n/a |
51.61 |
payment made |
open |
34.7994 |
34.7994 |
n/a |
16.82 |
0.00 |
34.79 |
0.00 |
0.00 |
123.50 |
0.00 |
0.0000 |
0.00 |
123.50 |
0.00 |
| 95 |
2022-12-15 |
n/a |
original 51.61 |
4 |
51.61 |
confirmed 51.61 |
n/a |
51.61 |
payment made |
open |
29.6400 |
29.6400 |
n/a |
21.97 |
0.00 |
29.64 |
0.00 |
0.00 |
101.53 |
0.00 |
0.0000 |
0.00 |
101.53 |
0.00 |
| 126 |
2023-01-15 |
n/a |
original 51.61 |
5 |
51.61 |
confirmed 51.61 |
n/a |
51.61 |
payment made |
open |
25.1794 |
25.1794 |
n/a |
26.44 |
0.00 |
25.17 |
0.00 |
0.00 |
75.09 |
0.00 |
0.0000 |
0.00 |
75.09 |
0.00 |
| 157 |
2023-02-15 |
n/a |
original 51.61 |
6 |
51.61 |
confirmed 51.61 |
n/a |
51.61 |
payment made |
open |
18.6223 |
18.6223 |
n/a |
32.99 |
0.00 |
18.62 |
0.00 |
0.00 |
42.10 |
0.00 |
0.0000 |
0.00 |
42.10 |
0.00 |
| 185 |
2023-03-15 |
n/a |
original 51.53 |
7 |
51.53 |
confirmed 51.53 |
n/a |
51.53 |
payment made |
closed |
9.4304 |
9.4304 |
n/a |
42.10 |
0.00 |
9.43 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Description
large negative payment
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2023-12-11 |
| Start Date |
2022-09-11 |
| Principal |
200.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 7 |
| unit-period config: monthly from 2022-09 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: 80.6 % |
Initial APR: 1285 % |
| Level payment: 51.61 |
Final payment: 51.53 |
Last scheduled payment day: 185 |
| Total scheduled payments: 361.19 |
Total principal: 200.00 |
Total interest: 161.19 |
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.4356486486 % per day |
Final cost-to-borrowing ratio: 80.6 % |
| Required scheduled payment count: 7 |
Last required scheduled payment day: 185 |
| Final actual payment count: 7 |
Last actual payment day: 185 |
FSharp.Finance.Personal