=== Testing Reducing Balance Calculation Based on Your Guidelines ===

Test Case 1: URL013572
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Excel Data:
  initial_balance: 6,397,076.00
  amount (monthly): 177,697.00
  ded_balance_amount: 5,508,591.00
  Expected Payoff: 3,774,876.79

Calculated Loan Info:
  Total Tenure: 36 months
  Remaining Tenure: 31 months
  Installments Paid: 5 months

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

Calculated Payoff (Principal Balance): 5,816,957.88
Expected Payoff: 3,774,876.79

Factor needed: 0.648943
Factor from ded_balance: 0.685271

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CONCLUSION:
The expected payoff (3774876.79) is:
  ded_balance_amount × 0.685271 = 3,774,876.79

This suggests that for imported loans:
  Payoff = ded_balance_amount × 0.685271

Where ded_balance_amount is the outstanding balance from the Excel import.