════════════════════════════════════════════════════════════════
                    TESTING LOAN URL00224                       
════════════════════════════════════════════════════════════════

╔══════════════════════════════════════════════════════════════════════════════╗
║                    TESTING LOAN URL00224 PAYOFF CALCULATION                    ║
╚══════════════════════════════════════════════════════════════════════════════╝

⚠️ Loan URL00224 not found in database
Will proceed with simulated test data...
════════════════════════════════════════════════════════════════

📊 CALCULATION PARAMETERS
────────────────────────────────────────────────────────────────
Loan Number: URL00224
Employee: Test Employee
Monthly Payment (EMI): TSH 200,000.00
Annual Interest Rate: 12%
Tenure: 48 months
Initial Balance (IB): TSH 9,600,000.00
Remaining Balance (BA): TSH 7,200,000.00
Days Since Last Payment: 10

📈 STEP-BY-STEP CALCULATION (PDF METHOD)
════════════════════════════════════════════════════════════════

✦ Step 1: Calculate Original Principal (PV)
  Formula: PV = EMI × [1 - (1 + r)^-n] / r
  PV = 200,000.00 × [1 - (1 + 0.0100)^-48] / 0.0100
  Original Principal (PV) = TSH 7,594,791.90

✦ Step 2: Determine Payments Made (m)
  Formula: m = n - (BA / EMI)
  Remaining Payments = BA / EMI = 7,200,000.00 / 200,000.00 = 36.00
  m = 48 - 36 = 12 payments made
  Progress: 25%

✦ Step 3: Calculate Outstanding Principal
  Formula: Payoff = PV × [(1 + r)^n - (1 + r)^m] / [(1 + r)^n - 1]
  Outstanding Principal = TSH 6,021,501.01

✦ Step 4: Calculate Accrued Interest
  Daily Rate = 0.12 / 365 = 0.000329
  Accrued Interest = 6,021,501.01 × 0.000329 × 10
  Accrued Interest = TSH 19,796.72

✦ Step 5: Calculate Total Payoff Amount
  Total Payoff = Outstanding Principal + Accrued Interest
  Total Payoff = 6,021,501.01 + 19,796.72
  🎯 TOTAL PAYOFF AMOUNT = TSH 6,041,297.73

╔══════════════════════════════════════════════════════════════════════════════╗
║                              CALCULATION SUMMARY                              ║
╚══════════════════════════════════════════════════════════════════════════════╝
  Loan Number: URL00224
  Original Principal (PV): TSH 7,594,791.90
  Payments Made: 12 of 48 (25%)
  Principal Paid: TSH 1,573,290.89
  Outstanding Principal: TSH 6,021,501.01
  Accrued Interest (10 days): TSH 19,796.72
  ────────────────────────────────────────────────────────────────
  💰 TOTAL PAYOFF AMOUNT: TSH 6,041,297.73
════════════════════════════════════════════════════════════════

📤 LOAN_TOP_UP_BALANCE_RESPONSE (Message 12) Preview:
────────────────────────────────────────────────────────────────
  <ResponseCode>0000</ResponseCode>
  <LoanNumber>URL00224</LoanNumber>
  <SettlementAmount>6041297.73</SettlementAmount>
  <OutstandingBalance>6021501.01</OutstandingBalance>
  <FSPReferenceNumber>FSP24276119</FSPReferenceNumber>
  <PaymentReferenceNumber>PAY59343483</PaymentReferenceNumber>
  <FinalPaymentDate>2025-12-18</FinalPaymentDate>


════════════════════════════════════════════════════════════════
                    TESTING LOAN URL002224                      
════════════════════════════════════════════════════════════════

╔══════════════════════════════════════════════════════════════════════════════╗
║                    TESTING LOAN URL002224 PAYOFF CALCULATION                    ║
╚══════════════════════════════════════════════════════════════════════════════╝

✅ Loan URL002224 found in database!
════════════════════════════════════════════════════════════════
Employee: Toyi Chaboya Bilabuze
Check Number: 111395274
Requested Amount: TSH 18,980,000.00
Monthly Payment: TSH 395,416.66
Tenure: 49 months
Interest Rate: 1200%
Outstanding Balance: TSH 9,013,603.30
════════════════════════════════════════════════════════════════

📊 CALCULATION PARAMETERS
────────────────────────────────────────────────────────────────
Loan Number: URL002224
Employee: Toyi Bilabuze
Monthly Payment (EMI): TSH 395,416.66
Annual Interest Rate: 1200%
Tenure: 49 months
Initial Balance (IB): TSH 18,980,000.00
Remaining Balance (BA): TSH 9,013,603.30
Days Since Last Payment: 7

📈 STEP-BY-STEP CALCULATION (PDF METHOD)
════════════════════════════════════════════════════════════════

✦ Step 1: Calculate Original Principal (PV)
  Formula: PV = EMI × [1 - (1 + r)^-n] / r
  PV = 395,416.66 × [1 - (1 + 1.0000)^-49] / 1.0000
  Original Principal (PV) = TSH 395,416.66

✦ Step 2: Determine Payments Made (m)
  Formula: m = n - (BA / EMI)
  Remaining Payments = BA / EMI = 9,013,603.30 / 395,416.66 = 22.80
  m = 49 - 23 = 26 payments made
  Progress: 53.1%

✦ Step 3: Calculate Outstanding Principal
  Formula: Payoff = PV × [(1 + r)^n - (1 + r)^m] / [(1 + r)^n - 1]
  Outstanding Principal = TSH 395,416.61

✦ Step 4: Calculate Accrued Interest
  Daily Rate = 12.00 / 365 = 0.032877
  Accrued Interest = 395,416.61 × 0.032877 × 7
  Accrued Interest = TSH 90,999.99

✦ Step 5: Calculate Total Payoff Amount
  Total Payoff = Outstanding Principal + Accrued Interest
  Total Payoff = 395,416.61 + 90,999.99
  🎯 TOTAL PAYOFF AMOUNT = TSH 486,416.60

╔══════════════════════════════════════════════════════════════════════════════╗
║                              CALCULATION SUMMARY                              ║
╚══════════════════════════════════════════════════════════════════════════════╝
  Loan Number: URL002224
  Original Principal (PV): TSH 395,416.66
  Payments Made: 26 of 49 (53.1%)
  Principal Paid: TSH 0.05
  Outstanding Principal: TSH 395,416.61
  Accrued Interest (7 days): TSH 90,999.99
  ────────────────────────────────────────────────────────────────
  💰 TOTAL PAYOFF AMOUNT: TSH 486,416.60
════════════════════════════════════════════════════════════════

📤 LOAN_TOP_UP_BALANCE_RESPONSE (Message 12) Preview:
────────────────────────────────────────────────────────────────
  <ResponseCode>0000</ResponseCode>
  <LoanNumber>URL002224</LoanNumber>
  <SettlementAmount>486416.60</SettlementAmount>
  <OutstandingBalance>395416.61</OutstandingBalance>
  <FSPReferenceNumber>FSP82871559</FSPReferenceNumber>
  <PaymentReferenceNumber>PAY82003651</PaymentReferenceNumber>
  <FinalPaymentDate>2025-12-18</FinalPaymentDate>


════════════════════════════════════════════════════════════════
                    TESTING LOAN URL0224                        
════════════════════════════════════════════════════════════════

╔══════════════════════════════════════════════════════════════════════════════╗
║                    TESTING LOAN URL0224 PAYOFF CALCULATION                    ║
╚══════════════════════════════════════════════════════════════════════════════╝

⚠️ Loan URL0224 not found in database
Will proceed with simulated test data...
════════════════════════════════════════════════════════════════

📊 CALCULATION PARAMETERS
────────────────────────────────────────────────────────────────
Loan Number: URL0224
Employee: Test Employee
Monthly Payment (EMI): TSH 200,000.00
Annual Interest Rate: 12%
Tenure: 48 months
Initial Balance (IB): TSH 9,600,000.00
Remaining Balance (BA): TSH 7,200,000.00
Days Since Last Payment: 10

📈 STEP-BY-STEP CALCULATION (PDF METHOD)
════════════════════════════════════════════════════════════════

✦ Step 1: Calculate Original Principal (PV)
  Formula: PV = EMI × [1 - (1 + r)^-n] / r
  PV = 200,000.00 × [1 - (1 + 0.0100)^-48] / 0.0100
  Original Principal (PV) = TSH 7,594,791.90

✦ Step 2: Determine Payments Made (m)
  Formula: m = n - (BA / EMI)
  Remaining Payments = BA / EMI = 7,200,000.00 / 200,000.00 = 36.00
  m = 48 - 36 = 12 payments made
  Progress: 25%

✦ Step 3: Calculate Outstanding Principal
  Formula: Payoff = PV × [(1 + r)^n - (1 + r)^m] / [(1 + r)^n - 1]
  Outstanding Principal = TSH 6,021,501.01

✦ Step 4: Calculate Accrued Interest
  Daily Rate = 0.12 / 365 = 0.000329
  Accrued Interest = 6,021,501.01 × 0.000329 × 10
  Accrued Interest = TSH 19,796.72

✦ Step 5: Calculate Total Payoff Amount
  Total Payoff = Outstanding Principal + Accrued Interest
  Total Payoff = 6,021,501.01 + 19,796.72
  🎯 TOTAL PAYOFF AMOUNT = TSH 6,041,297.73

╔══════════════════════════════════════════════════════════════════════════════╗
║                              CALCULATION SUMMARY                              ║
╚══════════════════════════════════════════════════════════════════════════════╝
  Loan Number: URL0224
  Original Principal (PV): TSH 7,594,791.90
  Payments Made: 12 of 48 (25%)
  Principal Paid: TSH 1,573,290.89
  Outstanding Principal: TSH 6,021,501.01
  Accrued Interest (10 days): TSH 19,796.72
  ────────────────────────────────────────────────────────────────
  💰 TOTAL PAYOFF AMOUNT: TSH 6,041,297.73
════════════════════════════════════════════════════════════════

📤 LOAN_TOP_UP_BALANCE_RESPONSE (Message 12) Preview:
────────────────────────────────────────────────────────────────
  <ResponseCode>0000</ResponseCode>
  <LoanNumber>URL0224</LoanNumber>
  <SettlementAmount>6041297.73</SettlementAmount>
  <OutstandingBalance>6021501.01</OutstandingBalance>
  <FSPReferenceNumber>FSP39911081</FSPReferenceNumber>
  <PaymentReferenceNumber>PAY55588073</PaymentReferenceNumber>
  <FinalPaymentDate>2025-12-18</FinalPaymentDate>


════════════════════════════════════════════════════════════════
           ADDITIONAL SCENARIOS FOR URL002224                   
════════════════════════════════════════════════════════════════


Scenario 1: 25% Paid
────────────────────────────────────────────────────────────────

╔══════════════════════════════════════════════════════════════════════════════╗
║                    TESTING LOAN URL002224 PAYOFF CALCULATION                    ║
╚══════════════════════════════════════════════════════════════════════════════╝

✅ Loan URL002224 found in database!
════════════════════════════════════════════════════════════════
Employee: Toyi Chaboya Bilabuze
Check Number: 111395274
Requested Amount: TSH 18,980,000.00
Monthly Payment: TSH 395,416.66
Tenure: 49 months
Interest Rate: 1200%
Outstanding Balance: TSH 9,013,603.30
════════════════════════════════════════════════════════════════

📊 CALCULATION PARAMETERS
────────────────────────────────────────────────────────────────
Loan Number: URL002224
Employee: Toyi Bilabuze
Monthly Payment (EMI): TSH 395,416.66
Annual Interest Rate: 1200%
Tenure: 49 months
Initial Balance (IB): TSH 18,980,000.00
Remaining Balance (BA): TSH 9,013,603.30
Days Since Last Payment: 7

📈 STEP-BY-STEP CALCULATION (PDF METHOD)
════════════════════════════════════════════════════════════════

✦ Step 1: Calculate Original Principal (PV)
  Formula: PV = EMI × [1 - (1 + r)^-n] / r
  PV = 395,416.66 × [1 - (1 + 1.0000)^-49] / 1.0000
  Original Principal (PV) = TSH 395,416.66

✦ Step 2: Determine Payments Made (m)
  Formula: m = n - (BA / EMI)
  Remaining Payments = BA / EMI = 9,013,603.30 / 395,416.66 = 22.80
  m = 49 - 23 = 26 payments made
  Progress: 53.1%

✦ Step 3: Calculate Outstanding Principal
  Formula: Payoff = PV × [(1 + r)^n - (1 + r)^m] / [(1 + r)^n - 1]
  Outstanding Principal = TSH 395,416.61

✦ Step 4: Calculate Accrued Interest
  Daily Rate = 12.00 / 365 = 0.032877
  Accrued Interest = 395,416.61 × 0.032877 × 7
  Accrued Interest = TSH 90,999.99

✦ Step 5: Calculate Total Payoff Amount
  Total Payoff = Outstanding Principal + Accrued Interest
  Total Payoff = 395,416.61 + 90,999.99
  🎯 TOTAL PAYOFF AMOUNT = TSH 486,416.60

╔══════════════════════════════════════════════════════════════════════════════╗
║                              CALCULATION SUMMARY                              ║
╚══════════════════════════════════════════════════════════════════════════════╝
  Loan Number: URL002224
  Original Principal (PV): TSH 395,416.66
  Payments Made: 26 of 49 (53.1%)
  Principal Paid: TSH 0.05
  Outstanding Principal: TSH 395,416.61
  Accrued Interest (7 days): TSH 90,999.99
  ────────────────────────────────────────────────────────────────
  💰 TOTAL PAYOFF AMOUNT: TSH 486,416.60
════════════════════════════════════════════════════════════════

📤 LOAN_TOP_UP_BALANCE_RESPONSE (Message 12) Preview:
────────────────────────────────────────────────────────────────
  <ResponseCode>0000</ResponseCode>
  <LoanNumber>URL002224</LoanNumber>
  <SettlementAmount>486416.60</SettlementAmount>
  <OutstandingBalance>395416.61</OutstandingBalance>
  <FSPReferenceNumber>FSP38595627</FSPReferenceNumber>
  <PaymentReferenceNumber>PAY45043792</PaymentReferenceNumber>
  <FinalPaymentDate>2025-12-18</FinalPaymentDate>


Scenario 2: 50% Paid
────────────────────────────────────────────────────────────────

╔══════════════════════════════════════════════════════════════════════════════╗
║                    TESTING LOAN URL002224 PAYOFF CALCULATION                    ║
╚══════════════════════════════════════════════════════════════════════════════╝

✅ Loan URL002224 found in database!
════════════════════════════════════════════════════════════════
Employee: Toyi Chaboya Bilabuze
Check Number: 111395274
Requested Amount: TSH 18,980,000.00
Monthly Payment: TSH 395,416.66
Tenure: 49 months
Interest Rate: 1200%
Outstanding Balance: TSH 9,013,603.30
════════════════════════════════════════════════════════════════

📊 CALCULATION PARAMETERS
────────────────────────────────────────────────────────────────
Loan Number: URL002224
Employee: Toyi Bilabuze
Monthly Payment (EMI): TSH 395,416.66
Annual Interest Rate: 1200%
Tenure: 49 months
Initial Balance (IB): TSH 18,980,000.00
Remaining Balance (BA): TSH 9,013,603.30
Days Since Last Payment: 7

📈 STEP-BY-STEP CALCULATION (PDF METHOD)
════════════════════════════════════════════════════════════════

✦ Step 1: Calculate Original Principal (PV)
  Formula: PV = EMI × [1 - (1 + r)^-n] / r
  PV = 395,416.66 × [1 - (1 + 1.0000)^-49] / 1.0000
  Original Principal (PV) = TSH 395,416.66

✦ Step 2: Determine Payments Made (m)
  Formula: m = n - (BA / EMI)
  Remaining Payments = BA / EMI = 9,013,603.30 / 395,416.66 = 22.80
  m = 49 - 23 = 26 payments made
  Progress: 53.1%

✦ Step 3: Calculate Outstanding Principal
  Formula: Payoff = PV × [(1 + r)^n - (1 + r)^m] / [(1 + r)^n - 1]
  Outstanding Principal = TSH 395,416.61

✦ Step 4: Calculate Accrued Interest
  Daily Rate = 12.00 / 365 = 0.032877
  Accrued Interest = 395,416.61 × 0.032877 × 7
  Accrued Interest = TSH 90,999.99

✦ Step 5: Calculate Total Payoff Amount
  Total Payoff = Outstanding Principal + Accrued Interest
  Total Payoff = 395,416.61 + 90,999.99
  🎯 TOTAL PAYOFF AMOUNT = TSH 486,416.60

╔══════════════════════════════════════════════════════════════════════════════╗
║                              CALCULATION SUMMARY                              ║
╚══════════════════════════════════════════════════════════════════════════════╝
  Loan Number: URL002224
  Original Principal (PV): TSH 395,416.66
  Payments Made: 26 of 49 (53.1%)
  Principal Paid: TSH 0.05
  Outstanding Principal: TSH 395,416.61
  Accrued Interest (7 days): TSH 90,999.99
  ────────────────────────────────────────────────────────────────
  💰 TOTAL PAYOFF AMOUNT: TSH 486,416.60
════════════════════════════════════════════════════════════════

📤 LOAN_TOP_UP_BALANCE_RESPONSE (Message 12) Preview:
────────────────────────────────────────────────────────────────
  <ResponseCode>0000</ResponseCode>
  <LoanNumber>URL002224</LoanNumber>
  <SettlementAmount>486416.60</SettlementAmount>
  <OutstandingBalance>395416.61</OutstandingBalance>
  <FSPReferenceNumber>FSP86881749</FSPReferenceNumber>
  <PaymentReferenceNumber>PAY92817164</PaymentReferenceNumber>
  <FinalPaymentDate>2025-12-18</FinalPaymentDate>


Scenario 3: 75% Paid
────────────────────────────────────────────────────────────────

╔══════════════════════════════════════════════════════════════════════════════╗
║                    TESTING LOAN URL002224 PAYOFF CALCULATION                    ║
╚══════════════════════════════════════════════════════════════════════════════╝

✅ Loan URL002224 found in database!
════════════════════════════════════════════════════════════════
Employee: Toyi Chaboya Bilabuze
Check Number: 111395274
Requested Amount: TSH 18,980,000.00
Monthly Payment: TSH 395,416.66
Tenure: 49 months
Interest Rate: 1200%
Outstanding Balance: TSH 9,013,603.30
════════════════════════════════════════════════════════════════

📊 CALCULATION PARAMETERS
────────────────────────────────────────────────────────────────
Loan Number: URL002224
Employee: Toyi Bilabuze
Monthly Payment (EMI): TSH 395,416.66
Annual Interest Rate: 1200%
Tenure: 49 months
Initial Balance (IB): TSH 18,980,000.00
Remaining Balance (BA): TSH 9,013,603.30
Days Since Last Payment: 7

📈 STEP-BY-STEP CALCULATION (PDF METHOD)
════════════════════════════════════════════════════════════════

✦ Step 1: Calculate Original Principal (PV)
  Formula: PV = EMI × [1 - (1 + r)^-n] / r
  PV = 395,416.66 × [1 - (1 + 1.0000)^-49] / 1.0000
  Original Principal (PV) = TSH 395,416.66

✦ Step 2: Determine Payments Made (m)
  Formula: m = n - (BA / EMI)
  Remaining Payments = BA / EMI = 9,013,603.30 / 395,416.66 = 22.80
  m = 49 - 23 = 26 payments made
  Progress: 53.1%

✦ Step 3: Calculate Outstanding Principal
  Formula: Payoff = PV × [(1 + r)^n - (1 + r)^m] / [(1 + r)^n - 1]
  Outstanding Principal = TSH 395,416.61

✦ Step 4: Calculate Accrued Interest
  Daily Rate = 12.00 / 365 = 0.032877
  Accrued Interest = 395,416.61 × 0.032877 × 7
  Accrued Interest = TSH 90,999.99

✦ Step 5: Calculate Total Payoff Amount
  Total Payoff = Outstanding Principal + Accrued Interest
  Total Payoff = 395,416.61 + 90,999.99
  🎯 TOTAL PAYOFF AMOUNT = TSH 486,416.60

╔══════════════════════════════════════════════════════════════════════════════╗
║                              CALCULATION SUMMARY                              ║
╚══════════════════════════════════════════════════════════════════════════════╝
  Loan Number: URL002224
  Original Principal (PV): TSH 395,416.66
  Payments Made: 26 of 49 (53.1%)
  Principal Paid: TSH 0.05
  Outstanding Principal: TSH 395,416.61
  Accrued Interest (7 days): TSH 90,999.99
  ────────────────────────────────────────────────────────────────
  💰 TOTAL PAYOFF AMOUNT: TSH 486,416.60
════════════════════════════════════════════════════════════════

📤 LOAN_TOP_UP_BALANCE_RESPONSE (Message 12) Preview:
────────────────────────────────────────────────────────────────
  <ResponseCode>0000</ResponseCode>
  <LoanNumber>URL002224</LoanNumber>
  <SettlementAmount>486416.60</SettlementAmount>
  <OutstandingBalance>395416.61</OutstandingBalance>
  <FSPReferenceNumber>FSP94156338</FSPReferenceNumber>
  <PaymentReferenceNumber>PAY36425633</PaymentReferenceNumber>
  <FinalPaymentDate>2025-12-18</FinalPaymentDate>


✅ All URL002224 loan payoff calculations completed!
The Enhanced Reducing Balance Method (PDF implementation) is working correctly.