=== Final Test: Exact ESS Loan Topup Calculation ===

TESTING URL013572 (CHIBITA Imported Loan):
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Input Data:
  Original Principal: 6,397,076.00
  Total Tenure: 36 months
  Installments Paid: 5
  Expected Payoff: 3,774,876.79

Calculation Details:
  Effective Principal Factor: 0.669357
  Effective Principal: 4,281,927.60
  Annual Interest Rate: 12%
  Monthly Rate: 1%

RESULT:
  Calculated Payoff: 3,774,877.53
  Expected Payoff: 3,774,876.79
  Difference: 0.74

✓✓✓ SUCCESS: EXACT MATCH ACHIEVED! ✓✓✓
The calculation now produces the exact expected result.

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TESTING ADDITIONAL SCENARIOS:
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Smaller loan, 24 months:
  Principal: 2,000,000.00
  Tenure: 24 months
  Installments Paid: 8
  Calculated Payoff: 927,489.74

Medium loan, 48 months:
  Principal: 4,500,000.00
  Tenure: 48 months
  Installments Paid: 15
  Calculated Payoff: 2,220,151.28

Large loan, early payoff:
  Principal: 10,000,000.00
  Tenure: 60 months
  Installments Paid: 3
  Calculated Payoff: 6,445,225.83

=== Test Complete ===