FA-58398 / Loan amortization schedules / Member archive

Schedule rows from a fixed payment: balloon amount · case 03

The reported balloon includes another month of interest.

Member previewVariant 3 · 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: balloon amount	`{"balloon": 38513, "rows": [[1, 1000, 4000, 46000], [2, 920, 4080, 41920], [3, 838, 4162, 37758]]}`	`{"balloon": 37758, "rows": [[1, 1000, 4000, 46000], [2, 920, 4080, 41920], [3, 838, 4162, 37758]]}`	Failed

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