FA-58387 / Loan amortization schedules / Member archive

Schedule rows from a fixed payment: paid-off stop · case 02

Paid-off loans keep producing zero rows until max_months.

Member previewVariant 2 · 3 implementations · 7 checks per implementation

Case contract

x = {'principal', 'rate_bp', 'payment', 'max_months'}. For months 1..max_months while the balance is positive: interest = round_half_up(balance*bp/120000); if payment <= interest return {'error': 'negative_amortization', 'month': k}; principal paid = min(payment - interest, balance); append [k, interest, principal, balance after]. Return {'rows', 'balloon': remaining principal}.

Why this case matters

Amortization engines drive borrower statements, payoff quotes and investor remittances; a misplaced rounding step, boundary or ordering rule compounds across hundreds of periods.

One recorded failure

Sample boundary fixture

This sample comes from the broken implementation of a controlled reproducer.

Boundary fixture	Actual	Expected	Outcome
regression: paid-off stop	`{"balloon": 0, "rows": [[1, 0, 16666, 33334], [2, 0, 16666, 16668], [3, 0, 16666, 2], [4, 0, 2, 0], [5, 0, 0, 0], [6, 0, 0, 0], [7, 0, 0, 0], [8, 0, 0, 0], [9, 0, 0, 0], [10, 0, 0, 0], [11, 0, 0, 0], [12, 0, 0, 0], [13, 0, 0, 0], [14, 0, 0, 0], [15, 0, 0, 0], [16, 0, 0, 0], [17, 0, 0, 0], [18, 0, 0, 0], [19, 0, 0, 0], [20, 0, 0, 0], [21, 0, 0, 0], [22, 0, 0, 0], [23, 0, 0, 0], [24, 0, 0, 0]]}`	`{"balloon": 0, "rows": [[1, 0, 16666, 33334], [2, 0, 16666, 16668], [3, 0, 16666, 2], [4, 0, 2, 0]]}`	Failed

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