=== Corrected Payoff Calculation ===
Monthly Payment: 177,697.00
Annual Rate: 12%
Monthly Rate: 1%
Total Tenure: 36 months
Installments Paid: 5
Remaining Payments: 31

Calculated Payoff Amount: 4,716,484.48
Expected Payoff Amount: 3,774,876.79
Difference: 941,607.69

Implied Original Loan Amount: 5,350,013.32
Actual Requested Amount in DB: 6,397,076.00