=== Verifying Loan Data for Payoff Calculation ===

Loan: URL013572
------------------------------------------------------------
Database Values:
  requested_amount: 6,397,076.00
  desired_deductible_amount: 177,697.00
  outstanding_balance: 3,774,876.79
  settlement_amount: 3,774,876.79
  installments_paid: 5
  tenure: 36
  state: 
  loan_purpose: Existing loan imported for topup tracking

Expected Values:
  expected_initial_balance: 6,397,076.00
  expected_monthly_payment: 177,697.00
  expected_ded_balance: 5,508,591.00
  expected_payoff: 3,774,876.79

Payoff Calculation:
  Outstanding Balance: 3,774,876.79
  × Factor: 0.685271
  = Calculated Payoff: 2,586,813.59
  Expected Payoff: 3,774,876.79
  ✗ MISMATCH! Difference: 1,188,063.20

  To get expected payoff, outstanding_balance should be: 5,508,589.73

Loan: URL002224
------------------------------------------------------------
Database Values:
  requested_amount: 18,980,000.00
  desired_deductible_amount: 395,416.66
  outstanding_balance: 9,013,603.30
  settlement_amount: 9,034,346.93
  installments_paid: 22
  tenure: 49
  state: 
  loan_purpose: Existing loan imported for topup tracking

Expected Values:
  expected_initial_balance: 18,980,000.00
  expected_ded_balance: 12,731,520.70
  expected_payoff: 8,724,541.92

Payoff Calculation:
  Outstanding Balance: 9,013,603.30
  × Factor: 0.685271
  = Calculated Payoff: 6,176,760.95
  Expected Payoff: 8,724,541.92
  ✗ MISMATCH! Difference: 2,547,780.97

  To get expected payoff, outstanding_balance should be: 12,731,520.70
  This matches the expected ded_balance_amount from Excel!
  → The outstanding_balance needs to be updated to: 12,731,520.70

=== RECOMMENDATION ===
If the payoff calculation is incorrect, check that:
1. outstanding_balance = ded_balance_amount from Excel
2. The import process correctly maps ded_balance_amount → outstanding_balance
3. No manual updates have changed the outstanding_balance value