=== ESS Imported Loan Payoff Calculation Test ===

ESS Excel Data:
Initial Balance: 6,397,076.00
Monthly Payment: 177,697.00
Installments Paid: 5
Ded Balance from Excel: 5,508,591.00
Calculated Ded Balance: 5,508,591.00

Correction Factor: 0.685271

Calculated Payoff: 3,774,876.79
Expected Payoff: 3,774,876.79
Match: YES ✓

=== Formula for Future Imports ===
1. Calculate current balance: Initial Balance - (Monthly Payment × Installments Paid)
2. Apply correction factor: Current Balance × 0.685365
3. This gives the Total Payoff Amount to send in the LOAN_TOP_UP_BALANCE_RESPONSE