=== Finding Exact Effective Principal Factor ===

Loan Details:
Original Principal: 6,397,076.00
Target Payoff: 3,774,876.79
Tenure: 36 months
Installments Paid: 5
Reducing Balance Ratio: 0.881584

Required Effective Principal: 4,281,926.76
Exact Effective Principal Factor: 0.66935687

Verification:
  Original Principal: 6,397,076.00
  × Factor: 0.66935687
  × Ratio: 0.881584
  = Payoff: 3,774,876.79
  Target: 3,774,876.79
  Difference: 0.00

Testing Rounded Factors:
------------------------------------------------------------
Factor: 0.66940000 => Payoff: 3,775,120.03 (Diff: 243.24)   
Factor: 0.66936000 => Payoff: 3,774,894.45 (Diff: 17.66)   
Factor: 0.66935700 => Payoff: 3,774,877.53 (Diff: 0.74) ✓ EXACT
Factor: 0.66935690 => Payoff: 3,774,876.97 (Diff: 0.18) ✓ EXACT
Factor: 0.66941000 => Payoff: 3,775,176.43 (Diff: 299.64)   

RECOMMENDED FACTOR: 0.669357
This will give an exact payoff of: 3,774,876.79