=== Final Test: Standard Amortization for ALL Loans ===

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║ Test Case 1: URL013572 (Imported Loan)                      ║
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Loan Parameters:
├─ Principal: 6,397,076.00
├─ Annual Rate: 12%
├─ Total Tenure: 36 months
├─ Installments Paid: 5
└─ Monthly Payment: 177,697.00

Results:
├─ Calculated Payoff: 5,816,957.88
├─ Old Factor Method: 3,774,876.79 (using 0.685271 factor)
└─ Method Used: Standard Amortization

Amortization Details (First 5 Periods):
  Period 1: Interest=63,970.76, Principal=113,726.24, Balance=6,283,349.76
  Period 2: Interest=62,833.50, Principal=114,863.50, Balance=6,168,486.26
  Period 3: Interest=61,684.86, Principal=116,012.14, Balance=6,052,474.12
  Period 4: Interest=60,524.74, Principal=117,172.26, Balance=5,935,301.86
  Period 5: Interest=59,353.02, Principal=118,343.98, Balance=5,816,957.88

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║ Test Case 2: Regular URA Loan                               ║
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Loan Parameters:
├─ Principal: 1,000,000.00
├─ Annual Rate: 12%
├─ Total Tenure: 12 months
└─ Installments Paid: 3

Results:
├─ Calculated Payoff: 761,080.29
└─ Method Used: Standard Amortization

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║ Test Case 3: Large Loan (URL002224 type)                   ║
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Loan Parameters:
├─ Principal: 18,980,000.00
├─ Annual Rate: 12%
├─ Total Tenure: 49 months
└─ Installments Paid: 15

Results:
├─ Calculated Payoff: 14,117,743.53
└─ Method Used: Standard Amortization

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║ Test Case 4: Edge Case - Near End of Loan                  ║
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Loan Parameters:
├─ Principal: 500,000.00
├─ Annual Rate: 12%
├─ Total Tenure: 24 months
└─ Installments Paid: 22 (2 remaining)

Results:
├─ Calculated Payoff: 46,376.67
└─ Method Used: Standard Amortization

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║                           SUMMARY                           ║
╚══════════════════════════════════════════════════════════════╝

✓ Implementation Status: COMPLETE
✓ Method: Standard Amortization for ALL loans
✓ Consistency: Matches MemberController implementation

Key Implementation Points:
1. ALL loans (imported and regular) use standard amortization
2. Builds amortization schedule month by month
3. Calculates exact interest and principal for each payment
4. Returns precise balance after specified payments
5. No special factors or adjustments for imported loans

Controller Path: app/Http/Controllers/EmployeeLoanController.php
Method: handleTopUpPayoffBalance() -> calculatePayoffUsingAmortization()

=== Test Complete ===