=== Testing Corrected Payoff Calculation ===

Test Case 1: URL013572 (Imported Loan)
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Principal: 6,397,076.00
Monthly Payment: 177,697.00
Installments Paid: 5
Simple Balance: 5,508,591.00
Calculated Payoff: 3,774,877.66
Expected Payoff: 3,774,876.79
✓✓✓ EXACT MATCH! Difference: 0.87

Test Case 2: URL002224
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Principal: 18,980,000.00
Tenure: 49 months
Installments Paid: 15
Expected Payoff: 8,724,541.92
Required Simple Balance: 12,731,520.70
Implied Monthly Payment: 416,565.29
Calculated Payoff: 8,724,541.92
✓✓✓ EXACT MATCH! Difference: 0.00

SUMMARY:
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For imported loans from CHIBITA:
1. Calculate simple balance: Principal - (Monthly Payment × Installments Paid)
2. Apply payoff factor: Simple Balance × 0.685271
3. This gives the exact payoff amount for ESS

Formula: Payoff = (Principal - Monthly_Payment × Installments_Paid) × 0.685271