QuoteTest000
| 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 |
2024-08-02 |
1,200.00 |
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 |
1,200.00 |
2,273.64 |
0.0000 |
0.00 |
3,473.64 |
2,273.64 |
| 15 |
2024-08-17 |
n/a |
original 323.15 |
1 |
323.15 |
n/a |
n/a |
0.00 |
paid later owing 273.15 |
open |
14.2039 |
14.2039 |
late payment 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,200.00 |
2,273.64 |
14.2039 |
10.00 |
1,444.22 |
2,053.62 |
| 18 |
2024-08-20 |
n/a |
n/a |
1 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
2.8408 |
2.8408 |
n/a |
0.00 |
0.00 |
15.00 |
10.00 |
0.00 |
1,200.00 |
2,273.64 |
2.0446 |
0.00 |
1,466.07 |
2,009.61 |
| 25 |
2024-08-27 |
n/a |
n/a |
1 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
6.6285 |
6.6285 |
n/a |
5.64 |
10.69 |
8.67 |
0.00 |
0.00 |
1,194.36 |
2,262.95 |
0.0000 |
0.00 |
1,550.38 |
1,906.93 |
| 29 |
2024-08-31 |
n/a |
original 323.15 |
2 |
323.15 |
n/a |
n/a |
0.00 |
paid later owing 273.15 |
open |
3.7699 |
3.7699 |
late payment 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,194.36 |
2,262.95 |
3.7699 |
10.00 |
1,622.82 |
1,848.25 |
| 32 |
2024-09-03 |
n/a |
n/a |
2 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
2.8274 |
2.8274 |
n/a |
2.90 |
5.51 |
6.59 |
10.00 |
0.00 |
1,191.46 |
2,257.44 |
0.0000 |
0.00 |
1,644.65 |
1,804.25 |
| 39 |
2024-09-10 |
n/a |
n/a |
2 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
6.5813 |
6.5813 |
n/a |
6.36 |
12.06 |
6.58 |
0.00 |
0.00 |
1,185.10 |
2,245.38 |
0.0000 |
0.00 |
1,728.91 |
1,701.57 |
| 43 |
2024-09-14 |
n/a |
original 323.15 |
3 |
323.15 |
n/a |
n/a |
0.00 |
paid later owing 273.15 |
open |
3.7406 |
3.7406 |
late payment 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,185.10 |
2,245.38 |
3.7406 |
10.00 |
1,801.33 |
1,642.89 |
| 46 |
2024-09-17 |
n/a |
n/a |
3 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
2.8055 |
2.8055 |
n/a |
2.92 |
5.54 |
6.54 |
10.00 |
0.00 |
1,182.18 |
2,239.84 |
0.0000 |
0.00 |
1,823.13 |
1,598.89 |
| 53 |
2024-09-24 |
n/a |
n/a |
3 |
0.00 |
confirmed 25.00 |
n/a |
25.00 |
extra payment |
open |
6.5300 |
6.5300 |
n/a |
6.38 |
12.10 |
6.52 |
0.00 |
0.00 |
1,175.80 |
2,227.74 |
0.0000 |
0.00 |
1,907.33 |
1,496.21 |
| 57 |
2024-09-28 |
n/a |
original 323.15 |
4 |
323.15 |
n/a |
1,969.72 |
1,969.72 |
generated |
closed |
3.7113 |
3.7113 |
n/a |
1,175.80 |
790.21 |
3.71 |
0.00 |
1,437.53 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
1,437.53 |
| 71 |
2024-10-12 |
n/a |
original 323.15 |
5 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 85 |
2024-10-26 |
n/a |
original 323.15 |
6 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 99 |
2024-11-09 |
n/a |
original 323.15 |
7 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 113 |
2024-11-23 |
n/a |
original 323.15 |
8 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 127 |
2024-12-07 |
n/a |
original 323.15 |
9 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 141 |
2024-12-21 |
n/a |
original 323.15 |
10 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
| 155 |
2025-01-04 |
n/a |
original 323.10 |
11 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
closed |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Description
Settlement falling on a scheduled payment date
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2024-09-28 |
| Start Date |
2024-08-02 |
| Principal |
1,200.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 11 |
| unit-period config: 2-weekly from 2024-08-17 |
|
| 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 189.47 % |
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: 67.78 % |
Initial APR: 623.703586 % |
| Level payment: 323.15 |
Final payment: 323.10 |
Last scheduled payment day: 155 |
| Total scheduled payments: 3,554.60 |
Total principal: 3,473.64 |
Total interest: 80.96 |
Final Stats
| Generated settlement: 1,969.72 on day 57 |
Final balance status: closed |
| Effective interest rate: 0.0169868508 % per day |
Final cost-to-borrowing ratio: 76.64 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 57 |
| Final actual payment count: 6 |
Last actual payment day: 53 |
FSharp.Finance.Personal