=== Current Payoff Calculation for URL013572 ===

Principal (requested_amount): 6,397,076.00
Annual Rate: 12%
Monthly Rate: 1%
Total Tenure: 36 months
Installments Paid: 5

Calculated Total Payoff Amount: 5,639,557.86
Expected Total Payoff Amount: 3,774,876.79

✗ ERROR: The formula is NOT producing the correct result
Difference: 1,864,681.07