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Testing Improved Payoff Formula with Actual Data
Formula: Total Payoff = P + (P × R/365 × D)
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=== Testing Loan: URL013572 ===
Loan Details:
- Requested Amount: 6,397,076.00
- Monthly Payment: 177,697.00
- Tenure: 36 months
- Installments Paid: 5
- Current Outstanding: 3,774,886.18
- Current Settlement: 3,783,573.59

Calculations:
- Annual Rate: 12%
- Original Principal: 5,350,013.32
- Outstanding Principal: 4,716,484.48
- Days Since Last Payment: 7

Payoff Calculation:
- Pro-rated Interest: 10,854.38
- Total Payoff Amount: 4,727,338.86

Comparison:
- Stored Settlement: 3,783,573.59
- Calculated Payoff: 4,727,338.86
- Difference: 943,765.27 (24.94%)

=== Testing Loan: URL002224 ===
Loan Details:
- Requested Amount: 18,980,000.00
- Monthly Payment: 395,416.66
- Tenure: 49 months
- Installments Paid: 22
- Current Outstanding: 9,013,603.30
- Current Settlement: 9,034,346.93

Calculations:
- Annual Rate: 12%
- Original Principal: 15,258,369.20
- Outstanding Principal: 9,315,861.35
- Days Since Last Payment: 7

Payoff Calculation:
- Pro-rated Interest: 21,439.24
- Total Payoff Amount: 9,337,300.59

Comparison:
- Stored Settlement: 9,034,346.93
- Calculated Payoff: 9,337,300.59
- Difference: 302,953.66 (3.35%)

=== Testing Loan: 730501 ===
Loan Details:
- Requested Amount: 5,000,000.00
- Monthly Payment: 322,329.00
- Tenure: 17 months
- Installments Paid: 0
- Current Outstanding: 1,000.00
- Current Settlement: 1,000.00

Calculations:
- Annual Rate: 12%
- Original Principal: 5,016,164.89
- Estimated Installments Paid: 16
- Outstanding Principal: 319,137.63
- Days Since Last Payment: 7

Payoff Calculation:
- Pro-rated Interest: 734.45
- Total Payoff Amount: 319,872.08

Comparison:
- Stored Settlement: 1,000.00
- Calculated Payoff: 319,872.08
- Difference: 318,872.08 (31887.21%)

=== Testing Loan: 261789 ===
Loan Details:
- Requested Amount: 2,000,000.00
- Monthly Payment: 79,790.04
- Tenure: 29 months
- Installments Paid: 3
- Current Outstanding: 1,818,830.20
- Current Settlement: 1,818,830.20

Calculations:
- Annual Rate: 12%
- Original Principal: 2,000,000.01
- Outstanding Principal: 1,818,830.21
- Days Since Last Payment: 7

Payoff Calculation:
- Pro-rated Interest: 4,185.80
- Total Payoff Amount: 1,823,016.01

Comparison:
- Stored Settlement: 1,818,830.20
- Calculated Payoff: 1,823,016.01
- Difference: 4,185.81 (0.23%)

=== Testing Loan: 734605 ===
Loan Details:
- Requested Amount: 4,500,000.00
- Monthly Payment: 120,470.00
- Tenure: 47 months
- Installments Paid: 3
- Current Outstanding: 4,271,318.36
- Current Settlement: 4,271,318.36

Calculations:
- Annual Rate: 12%
- Original Principal: 4,500,000.13
- Outstanding Principal: 4,271,318.49
- Days Since Last Payment: 7

Payoff Calculation:
- Pro-rated Interest: 9,829.88
- Total Payoff Amount: 4,281,148.37

Comparison:
- Stored Settlement: 4,271,318.36
- Calculated Payoff: 4,281,148.37
- Difference: 9,830.01 (0.23%)

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Summary of Payoff Calculations
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Loan Number     | Outstanding     | Interest        | Total Payoff   
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URL013572       |    4,716,484.48 |       10,854.38 |    4,727,338.86
URL002224       |    9,315,861.35 |       21,439.24 |    9,337,300.59
730501          |      319,137.63 |          734.45 |      319,872.08
261789          |    1,818,830.21 |        4,185.80 |    1,823,016.01
734605          |    4,271,318.49 |        9,829.88 |    4,281,148.37

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Testing with Simulated ESS Message 11 Data
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Testing ESS Data for Loan: URL013572
- Deduction Amount: 6,397,076.00
- Deduction Balance: 5,508,591.00

Calculated Payoff:
- Installments Paid: 5
- Outstanding Principal: 4,716,484.48
- Pro-rated Interest (7 days): 10,854.38
- Total Payoff: 4,727,338.86

Testing ESS Data for Loan: URL002224
- Deduction Amount: 3,000,000.00
- Deduction Balance: 2,500,000.00

Calculated Payoff:
- Installments Paid: 1
- Outstanding Principal: 15,015,536.23
- Pro-rated Interest (7 days): 34,556.30
- Total Payoff: 15,050,092.53


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All tests completed!
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