=== Testing Payoff Formula for Imported Loans ===

Initial Balance: 6,397,076.00
Monthly Payment: 177,697.00
Installments Paid: 5
Amount Paid So Far: 888,485.00
Current Balance: 5,508,591.00

Method 1 - Using observed discount factor (11.49%):
Payoff = Current Balance * (1 - 0.1149)
Payoff = 4,875,653.89
Expected: 3,774,876.79
Difference: 1,100,777.10

Method 2 - Principal-only calculation:
Principal per payment = Initial / Tenure = 177,696.56
Remaining Principal = 5,508,593.22
Expected: 3,774,876.79
Difference: 1,733,716.43

Method 3 - Using ded_balance_amount from Excel:
Ded Balance Amount: 5,508,591.00
Current Balance - Ded Balance: 0.00
Testing: Ded Balance * factor = 3,778,893.43