InterestFirstTests014
| 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 |
2023-06-07 |
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 |
110.5500 |
0.00 |
200.00 |
0.00 |
| 3 |
2023-06-10 |
n/a |
original 77.64 |
1 |
77.64 |
n/a |
n/a |
0.00 |
missed payment |
open |
4.8000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
200.00 |
0.00 |
110.5500 |
0.00 |
204.80 |
0.00 |
| 33 |
2023-07-10 |
n/a |
original 77.64 |
2 |
77.64 |
n/a |
n/a |
0.00 |
paid later in full |
open |
48.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
200.00 |
0.00 |
110.5500 |
0.00 |
252.80 |
0.00 |
| 39 |
2023-07-16 |
n/a |
n/a |
2 |
0.00 |
confirmed 88.00 |
n/a |
88.00 |
extra payment |
open |
9.6000 |
0.0000 |
n/a |
0.00 |
0.00 |
88.00 |
0.00 |
0.00 |
200.00 |
0.00 |
22.5500 |
0.00 |
174.40 |
0.00 |
| 64 |
2023-08-10 |
n/a |
original 77.64 |
3 |
77.64 |
n/a |
n/a |
0.00 |
missed payment |
open |
40.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
200.00 |
0.00 |
22.5500 |
0.00 |
214.40 |
0.00 |
| 95 |
2023-09-10 |
n/a |
original 77.63 |
4 |
77.63 |
n/a |
n/a |
0.00 |
paid later in full |
open |
49.6000 |
41.4500 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
200.00 |
0.00 |
64.0000 |
0.00 |
264.00 |
0.00 |
| 128 |
2023-10-13 |
n/a |
n/a |
4 |
0.00 |
confirmed 126.00 |
n/a |
126.00 |
extra payment |
open |
48.0000 |
48.0000 |
n/a |
14.00 |
0.00 |
112.00 |
0.00 |
0.00 |
186.00 |
0.00 |
0.0000 |
0.00 |
186.00 |
0.00 |
| 132 |
2023-10-17 |
n/a |
n/a |
4 |
0.00 |
confirmed 98.00 |
n/a |
98.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
98.00 |
0.00 |
0.00 |
0.00 |
0.00 |
88.00 |
0.00 |
0.0000 |
0.00 |
88.00 |
0.00 |
| 133 |
2023-10-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 100.00 |
n/a |
100.00 |
extra payment |
refund due |
0.0000 |
0.0000 |
n/a |
100.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-12.00 |
0.00 |
0.0000 |
0.00 |
-12.00 |
0.00 |
| 429 |
2024-08-09 |
n/a |
n/a |
4 |
0.00 |
n/a |
-12.78 |
-12.78 |
generated |
closed |
-0.7785 |
-0.7785 |
n/a |
-12.00 |
0.00 |
-0.78 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Description
Realistic example 0004ffd74fbb with overpayment
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2024-08-09 |
| Start Date |
2023-06-07 |
| Principal |
200.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 4 |
| unit-period config: monthly from 2023-06 on 10 |
|
| 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: 0.8 % 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: 8 % per year |
| promotional rates: n/a |
| cap: total 100 %; daily 0.8 % |
|
Initial Stats
| Initial interest balance: 110.55 |
Initial cost-to-borrowing ratio: 55.28 % |
Initial APR: 4168.3 % |
| Level payment: 77.64 |
Final payment: 77.63 |
Last scheduled payment day: 95 |
| Total scheduled payments: 310.55 |
Total principal: 200.00 |
Total interest: 110.55 |
Final Stats
| Generated settlement: -12.78 on day 429 |
Final balance status: closed |
| Effective interest rate: 0.2321911422 % per day |
Final cost-to-borrowing ratio: 99.61 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 95 |
| Final actual payment count: 4 |
Last actual payment day: 133 |
FSharp.Finance.Personal