ComplianceTest014
| 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 |
2021-12-14 |
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 |
500.00 |
0.00 |
500.0000 |
0.00 |
500.00 |
0.00 |
| 17 |
2021-12-31 |
n/a |
original 250.00 |
1 |
250.00 |
confirmed 250.00 |
n/a |
250.00 |
payment made |
open |
102.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
250.00 |
0.00 |
0.00 |
500.00 |
0.00 |
250.0000 |
0.00 |
352.00 |
0.00 |
| 48 |
2022-01-31 |
n/a |
original 250.00 |
2 |
250.00 |
confirmed 250.00 |
n/a |
250.00 |
payment made |
open |
186.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
250.00 |
0.00 |
0.00 |
500.00 |
0.00 |
0.0000 |
0.00 |
288.00 |
0.00 |
| 63 |
2022-02-15 |
n/a |
n/a |
2 |
0.00 |
confirmed 250.00 |
n/a |
250.00 |
extra payment |
open |
90.0000 |
0.0000 |
n/a |
250.00 |
0.00 |
0.00 |
0.00 |
0.00 |
250.00 |
0.00 |
0.0000 |
0.00 |
128.00 |
0.00 |
| 76 |
2022-02-28 |
n/a |
original 250.00 |
3 |
0.00 |
n/a |
n/a |
0.00 |
nothing due |
open |
39.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
250.00 |
0.00 |
0.0000 |
0.00 |
167.00 |
0.00 |
| 91 |
2022-03-15 |
n/a |
n/a |
3 |
0.00 |
confirmed 250.00 |
n/a |
250.00 |
extra payment |
refund due |
45.0000 |
-38.0000 |
n/a |
288.00 |
0.00 |
-38.00 |
0.00 |
0.00 |
-38.00 |
0.00 |
0.0000 |
0.00 |
-38.00 |
0.00 |
| 107 |
2022-03-31 |
n/a |
original 250.00 |
4 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-38.00 |
0.00 |
0.0000 |
0.00 |
-38.00 |
0.00 |
Description
Early repayment - 100% total interest cap - autogenerated schedule
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2022-06-12 |
| Start Date |
2021-12-14 |
| Principal |
500.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 4 |
| unit-period config: monthly from 2021-12 on month-end |
|
| 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 |
no charges
|
| Interest options |
| standard rate: 1.2 % per day |
method: add-on |
| 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 n/a |
|
Initial Stats
| Initial interest balance: 500.00 |
Initial cost-to-borrowing ratio: 100 % |
Initial APR: 9722.9 % |
| Level payment: 250.00 |
Final payment: 250.00 |
Last scheduled payment day: 107 |
| Total scheduled payments: 1,000.00 |
Total principal: 500.00 |
Total interest: 500.00 |
Final Stats
| Generated settlement: n/a |
Final balance status: refund due |
| Effective interest rate: 0.8025570649 % per day |
Final cost-to-borrowing ratio: 85.87 % |
| Required scheduled payment count: 3 |
Last required scheduled payment day: 76 |
| Final actual payment count: 4 |
Last actual payment day: 91 |
FSharp.Finance.Personal