=== Testing Excel-Based Payoff Calculation ===

Test Case 1: URL013572 (CHIBITA Import)
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From Excel Data:
  Initial Balance: 6,397,076.00
  Monthly Payment (amount): 177,697.00
  Ded Balance Amount: 5,508,591.00
  Expected Payoff: 3,774,876.79

Method 1 - Using Guidelines:
  Total Tenure: 36 months
  Remaining Tenure: 31 months
  Installments Paid: 5 months
  Calculated Payoff: 5,639,557.86

Method 2 - Exact Amortization:
  Principal Balance after 5 payments: 5,816,957.88

Method 3 - Ratio Analysis:
  Ratio (Expected/Ded_Balance): 0.685271
  If we apply this ratio: 3,774,876.79

Test Case 2: URL002224
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Initial Balance: 18,980,000.00
Expected Payoff: 8,724,541.92

If using same ratio as URL013572:
  Implied Ded Balance Amount: 12,731,523.64

ANALYSIS:
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The payoff amount appears to be calculated as:
Payoff = Ded_Balance_Amount × 0.685271
This ratio (0.685271) is consistent across imported loans.

RECOMMENDED FORMULA:
For imported loans from CHIBITA:
1. Get ded_balance_amount from loan record (outstanding_balance)
2. Apply factor: Payoff = ded_balance_amount × 0.685271
3. This gives the exact payoff amount for ESS