=== Loan Payoff Calculation Test ===
Loan Number: URL013572
Principal: 6,397,076.00
Annual Rate: 12%
Monthly Rate: 1%
Total Tenure: 36 months
Installments Paid: 5

Current Formula Result: 5,639,557.86
Standard Amortization Formula: 5,639,557.86

Expected Payoff Amount: 3,774,876.79
Difference (Current): 1,864,681.07
Difference (Standard): 1,864,681.07

Monthly Payment: 212,474.46
Expected Monthly Payment (from screenshot): 177,697.00