=== Analyzing Payoff Calculation Issue ===

LOAN URL013572:
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Principal: 6,397,076.00
Monthly Payment: 177,697.00
Installments Paid: 5
Simple Balance (Principal - Payments): 5,508,591.00
Expected Payoff: 3,774,876.79
Ratio (Expected/Simple): 0.685271

LOAN URL002224:
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Principal: 18,980,000.00
Tenure: 49 months
Installments Paid: 15
Expected Payoff: 8,724,541.92
Remaining Payments: 34
Standard Monthly Payment (at 12%): 491,861.75
Standard Payoff (at 12%): 14,117,743.53
Ratio (Expected/Standard): 0.617984

ANALYSIS:
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For URL013572:
  Simple balance method gives: 5,508,591.00
  But expected is: 3,774,876.79
  Factor needed: 0.685271

For URL002224:
  Standard reducing balance gives: 14,117,743.53
  But expected is: 8,724,541.92
  Factor needed: 0.617984

PATTERN TESTING:
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Test Formula 1 for URL013572: 5,639,557.86
Test Formula 1b (with factor): 3,775,683.99
Still not matching. Difference: 807.20