{
  "DJ2-001": {
    "input": {
      "principal": 120000,
      "annual_pct": "3.6",
      "months": 24,
      "events": [
        {
          "month": 3,
          "amount": 15000,
          "mode": "reduce",
          "fee": 0
        },
        {
          "month": 8,
          "amount": 12000,
          "mode": "shorten",
          "fee": 0
        },
        {
          "month": 12,
          "amount": 8000,
          "mode": "reduce",
          "fee": 0
        }
      ],
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "method": "annuity",
      "baseline_events": []
    },
    "outputs": {
      "plan": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "3.60",
            "interest_base": "120000.00",
            "interest": "360.00",
            "normal": "5189.65",
            "normal_principal": "4829.65",
            "after_normal": "115170.35",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "115170.35",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115170.35",
            "annual_pct": "3.60",
            "interest_base": "115170.35",
            "interest": "345.51",
            "normal": "5189.65",
            "normal_principal": "4844.14",
            "after_normal": "110326.21",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "110326.21",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110326.21",
            "annual_pct": "3.60",
            "interest_base": "110326.21",
            "interest": "330.98",
            "normal": "5189.65",
            "normal_principal": "4858.67",
            "after_normal": "105467.54",
            "requested_extra": "15000.00",
            "extra": "15000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "20189.65",
            "closing": "90467.54",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4451.56",
            "mode": "reduce"
          },
          {
            "month": 4,
            "opening": "90467.54",
            "annual_pct": "3.60",
            "interest_base": "90467.54",
            "interest": "271.40",
            "normal": "4451.56",
            "normal_principal": "4180.16",
            "after_normal": "86287.38",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4451.56",
            "closing": "86287.38",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4451.56",
            "mode": null
          },
          {
            "month": 5,
            "opening": "86287.38",
            "annual_pct": "3.60",
            "interest_base": "86287.38",
            "interest": "258.86",
            "normal": "4451.56",
            "normal_principal": "4192.70",
            "after_normal": "82094.68",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4451.56",
            "closing": "82094.68",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4451.56",
            "mode": null
          },
          {
            "month": 6,
            "opening": "82094.68",
            "annual_pct": "3.60",
            "interest_base": "82094.68",
            "interest": "246.28",
            "normal": "4451.56",
            "normal_principal": "4205.28",
            "after_normal": "77889.40",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4451.56",
            "closing": "77889.40",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4451.56",
            "mode": null
          },
          {
            "month": 7,
            "opening": "77889.40",
            "annual_pct": "3.60",
            "interest_base": "77889.40",
            "interest": "233.67",
            "normal": "4451.56",
            "normal_principal": "4217.89",
            "after_normal": "73671.51",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4451.56",
            "closing": "73671.51",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4451.56",
            "mode": null
          },
          {
            "month": 8,
            "opening": "73671.51",
            "annual_pct": "3.60",
            "interest_base": "73671.51",
            "interest": "221.01",
            "normal": "4451.56",
            "normal_principal": "4230.55",
            "after_normal": "69440.96",
            "requested_extra": "12000.00",
            "extra": "12000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "16451.56",
            "closing": "57440.96",
            "previous_end": 24,
            "planned_end": 22,
            "next_payment_or_q": "4451.56",
            "mode": "shorten"
          },
          {
            "month": 9,
            "opening": "57440.96",
            "annual_pct": "3.60",
            "interest_base": "57440.96",
            "interest": "172.32",
            "normal": "4451.56",
            "normal_principal": "4279.24",
            "after_normal": "53161.72",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4451.56",
            "closing": "53161.72",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "4451.56",
            "mode": null
          },
          {
            "month": 10,
            "opening": "53161.72",
            "annual_pct": "3.60",
            "interest_base": "53161.72",
            "interest": "159.49",
            "normal": "4451.56",
            "normal_principal": "4292.07",
            "after_normal": "48869.65",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4451.56",
            "closing": "48869.65",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "4451.56",
            "mode": null
          },
          {
            "month": 11,
            "opening": "48869.65",
            "annual_pct": "3.60",
            "interest_base": "48869.65",
            "interest": "146.61",
            "normal": "4451.56",
            "normal_principal": "4304.95",
            "after_normal": "44564.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4451.56",
            "closing": "44564.70",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "4451.56",
            "mode": null
          },
          {
            "month": 12,
            "opening": "44564.70",
            "annual_pct": "3.60",
            "interest_base": "44564.70",
            "interest": "133.69",
            "normal": "4451.56",
            "normal_principal": "4317.87",
            "after_normal": "40246.83",
            "requested_extra": "8000.00",
            "extra": "8000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "12451.56",
            "closing": "32246.83",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": "reduce"
          },
          {
            "month": 13,
            "opening": "32246.83",
            "annual_pct": "3.60",
            "interest_base": "32246.83",
            "interest": "96.74",
            "normal": "3278.13",
            "normal_principal": "3181.39",
            "after_normal": "29065.44",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "29065.44",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 14,
            "opening": "29065.44",
            "annual_pct": "3.60",
            "interest_base": "29065.44",
            "interest": "87.20",
            "normal": "3278.13",
            "normal_principal": "3190.93",
            "after_normal": "25874.51",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "25874.51",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 15,
            "opening": "25874.51",
            "annual_pct": "3.60",
            "interest_base": "25874.51",
            "interest": "77.62",
            "normal": "3278.13",
            "normal_principal": "3200.51",
            "after_normal": "22674.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "22674.00",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 16,
            "opening": "22674.00",
            "annual_pct": "3.60",
            "interest_base": "22674.00",
            "interest": "68.02",
            "normal": "3278.13",
            "normal_principal": "3210.11",
            "after_normal": "19463.89",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "19463.89",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 17,
            "opening": "19463.89",
            "annual_pct": "3.60",
            "interest_base": "19463.89",
            "interest": "58.39",
            "normal": "3278.13",
            "normal_principal": "3219.74",
            "after_normal": "16244.15",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "16244.15",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 18,
            "opening": "16244.15",
            "annual_pct": "3.60",
            "interest_base": "16244.15",
            "interest": "48.73",
            "normal": "3278.13",
            "normal_principal": "3229.40",
            "after_normal": "13014.75",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "13014.75",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 19,
            "opening": "13014.75",
            "annual_pct": "3.60",
            "interest_base": "13014.75",
            "interest": "39.04",
            "normal": "3278.13",
            "normal_principal": "3239.09",
            "after_normal": "9775.66",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "9775.66",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 20,
            "opening": "9775.66",
            "annual_pct": "3.60",
            "interest_base": "9775.66",
            "interest": "29.33",
            "normal": "3278.13",
            "normal_principal": "3248.80",
            "after_normal": "6526.86",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "6526.86",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 21,
            "opening": "6526.86",
            "annual_pct": "3.60",
            "interest_base": "6526.86",
            "interest": "19.58",
            "normal": "3278.13",
            "normal_principal": "3258.55",
            "after_normal": "3268.31",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.13",
            "closing": "3268.31",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          },
          {
            "month": 22,
            "opening": "3268.31",
            "annual_pct": "3.60",
            "interest_base": "3268.31",
            "interest": "9.80",
            "normal": "3278.11",
            "normal_principal": "3268.31",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3278.11",
            "closing": "0.00",
            "previous_end": 22,
            "planned_end": 22,
            "next_payment_or_q": "3278.13",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 22,
        "total_normal_principal": "85000.00",
        "total_extra": "35000.00",
        "total_principal": "120000.00",
        "total_interest": "3414.27",
        "total_fees": "0.00",
        "total_cash": "123414.27",
        "unused_extra": "0.00"
      },
      "baseline": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "3.60",
            "interest_base": "120000.00",
            "interest": "360.00",
            "normal": "5189.65",
            "normal_principal": "4829.65",
            "after_normal": "115170.35",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "115170.35",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115170.35",
            "annual_pct": "3.60",
            "interest_base": "115170.35",
            "interest": "345.51",
            "normal": "5189.65",
            "normal_principal": "4844.14",
            "after_normal": "110326.21",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "110326.21",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110326.21",
            "annual_pct": "3.60",
            "interest_base": "110326.21",
            "interest": "330.98",
            "normal": "5189.65",
            "normal_principal": "4858.67",
            "after_normal": "105467.54",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "105467.54",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105467.54",
            "annual_pct": "3.60",
            "interest_base": "105467.54",
            "interest": "316.40",
            "normal": "5189.65",
            "normal_principal": "4873.25",
            "after_normal": "100594.29",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "100594.29",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 5,
            "opening": "100594.29",
            "annual_pct": "3.60",
            "interest_base": "100594.29",
            "interest": "301.78",
            "normal": "5189.65",
            "normal_principal": "4887.87",
            "after_normal": "95706.42",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "95706.42",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 6,
            "opening": "95706.42",
            "annual_pct": "3.60",
            "interest_base": "95706.42",
            "interest": "287.12",
            "normal": "5189.65",
            "normal_principal": "4902.53",
            "after_normal": "90803.89",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "90803.89",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 7,
            "opening": "90803.89",
            "annual_pct": "3.60",
            "interest_base": "90803.89",
            "interest": "272.41",
            "normal": "5189.65",
            "normal_principal": "4917.24",
            "after_normal": "85886.65",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "85886.65",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 8,
            "opening": "85886.65",
            "annual_pct": "3.60",
            "interest_base": "85886.65",
            "interest": "257.66",
            "normal": "5189.65",
            "normal_principal": "4931.99",
            "after_normal": "80954.66",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "80954.66",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 9,
            "opening": "80954.66",
            "annual_pct": "3.60",
            "interest_base": "80954.66",
            "interest": "242.86",
            "normal": "5189.65",
            "normal_principal": "4946.79",
            "after_normal": "76007.87",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "76007.87",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 10,
            "opening": "76007.87",
            "annual_pct": "3.60",
            "interest_base": "76007.87",
            "interest": "228.02",
            "normal": "5189.65",
            "normal_principal": "4961.63",
            "after_normal": "71046.24",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "71046.24",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 11,
            "opening": "71046.24",
            "annual_pct": "3.60",
            "interest_base": "71046.24",
            "interest": "213.14",
            "normal": "5189.65",
            "normal_principal": "4976.51",
            "after_normal": "66069.73",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "66069.73",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 12,
            "opening": "66069.73",
            "annual_pct": "3.60",
            "interest_base": "66069.73",
            "interest": "198.21",
            "normal": "5189.65",
            "normal_principal": "4991.44",
            "after_normal": "61078.29",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "61078.29",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 13,
            "opening": "61078.29",
            "annual_pct": "3.60",
            "interest_base": "61078.29",
            "interest": "183.23",
            "normal": "5189.65",
            "normal_principal": "5006.42",
            "after_normal": "56071.87",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "56071.87",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 14,
            "opening": "56071.87",
            "annual_pct": "3.60",
            "interest_base": "56071.87",
            "interest": "168.22",
            "normal": "5189.65",
            "normal_principal": "5021.43",
            "after_normal": "51050.44",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "51050.44",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 15,
            "opening": "51050.44",
            "annual_pct": "3.60",
            "interest_base": "51050.44",
            "interest": "153.15",
            "normal": "5189.65",
            "normal_principal": "5036.50",
            "after_normal": "46013.94",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "46013.94",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 16,
            "opening": "46013.94",
            "annual_pct": "3.60",
            "interest_base": "46013.94",
            "interest": "138.04",
            "normal": "5189.65",
            "normal_principal": "5051.61",
            "after_normal": "40962.33",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "40962.33",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 17,
            "opening": "40962.33",
            "annual_pct": "3.60",
            "interest_base": "40962.33",
            "interest": "122.89",
            "normal": "5189.65",
            "normal_principal": "5066.76",
            "after_normal": "35895.57",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "35895.57",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 18,
            "opening": "35895.57",
            "annual_pct": "3.60",
            "interest_base": "35895.57",
            "interest": "107.69",
            "normal": "5189.65",
            "normal_principal": "5081.96",
            "after_normal": "30813.61",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "30813.61",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 19,
            "opening": "30813.61",
            "annual_pct": "3.60",
            "interest_base": "30813.61",
            "interest": "92.44",
            "normal": "5189.65",
            "normal_principal": "5097.21",
            "after_normal": "25716.40",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "25716.40",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 20,
            "opening": "25716.40",
            "annual_pct": "3.60",
            "interest_base": "25716.40",
            "interest": "77.15",
            "normal": "5189.65",
            "normal_principal": "5112.50",
            "after_normal": "20603.90",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "20603.90",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 21,
            "opening": "20603.90",
            "annual_pct": "3.60",
            "interest_base": "20603.90",
            "interest": "61.81",
            "normal": "5189.65",
            "normal_principal": "5127.84",
            "after_normal": "15476.06",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "15476.06",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 22,
            "opening": "15476.06",
            "annual_pct": "3.60",
            "interest_base": "15476.06",
            "interest": "46.43",
            "normal": "5189.65",
            "normal_principal": "5143.22",
            "after_normal": "10332.84",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "10332.84",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 23,
            "opening": "10332.84",
            "annual_pct": "3.60",
            "interest_base": "10332.84",
            "interest": "31.00",
            "normal": "5189.65",
            "normal_principal": "5158.65",
            "after_normal": "5174.19",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.65",
            "closing": "5174.19",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          },
          {
            "month": 24,
            "opening": "5174.19",
            "annual_pct": "3.60",
            "interest_base": "5174.19",
            "interest": "15.52",
            "normal": "5189.71",
            "normal_principal": "5174.19",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5189.71",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5189.65",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "120000.00",
        "total_extra": "0.00",
        "total_principal": "120000.00",
        "total_interest": "4551.66",
        "total_fees": "0.00",
        "total_cash": "124551.66",
        "unused_extra": "0.00"
      },
      "interest_difference": "1137.39"
    }
  },
  "DJ2-002": {
    "input": {
      "principal": 120000,
      "annual_pct": "4.8",
      "months": 24,
      "rates": [
        {
          "month": 4,
          "annual_pct": "3.6"
        }
      ],
      "events": [
        {
          "month": 4,
          "amount": 20000,
          "mode": "reduce",
          "fee": 0
        }
      ],
      "B_order": "当月额外还本先于整月计息，之后调率、重算当期正常付款；仅文内构造",
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "method": "annuity"
    },
    "outputs": {
      "standard_A": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "4.80",
            "interest_base": "120000.00",
            "interest": "480.00",
            "normal": "5253.83",
            "normal_principal": "4773.83",
            "after_normal": "115226.17",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "115226.17",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115226.17",
            "annual_pct": "4.80",
            "interest_base": "115226.17",
            "interest": "460.90",
            "normal": "5253.83",
            "normal_principal": "4792.93",
            "after_normal": "110433.24",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "110433.24",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110433.24",
            "annual_pct": "4.80",
            "interest_base": "110433.24",
            "interest": "441.73",
            "normal": "5253.83",
            "normal_principal": "4812.10",
            "after_normal": "105621.14",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "105621.14",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105621.14",
            "annual_pct": "3.60",
            "interest_base": "105621.14",
            "interest": "316.86",
            "normal": "5197.21",
            "normal_principal": "4880.35",
            "after_normal": "100740.79",
            "requested_extra": "20000.00",
            "extra": "20000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "25197.21",
            "closing": "80740.79",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": "reduce"
          },
          {
            "month": 5,
            "opening": "80740.79",
            "annual_pct": "3.60",
            "interest_base": "80740.79",
            "interest": "242.22",
            "normal": "4165.41",
            "normal_principal": "3923.19",
            "after_normal": "76817.60",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "76817.60",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 6,
            "opening": "76817.60",
            "annual_pct": "3.60",
            "interest_base": "76817.60",
            "interest": "230.45",
            "normal": "4165.41",
            "normal_principal": "3934.96",
            "after_normal": "72882.64",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "72882.64",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 7,
            "opening": "72882.64",
            "annual_pct": "3.60",
            "interest_base": "72882.64",
            "interest": "218.65",
            "normal": "4165.41",
            "normal_principal": "3946.76",
            "after_normal": "68935.88",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "68935.88",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 8,
            "opening": "68935.88",
            "annual_pct": "3.60",
            "interest_base": "68935.88",
            "interest": "206.81",
            "normal": "4165.41",
            "normal_principal": "3958.60",
            "after_normal": "64977.28",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "64977.28",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 9,
            "opening": "64977.28",
            "annual_pct": "3.60",
            "interest_base": "64977.28",
            "interest": "194.93",
            "normal": "4165.41",
            "normal_principal": "3970.48",
            "after_normal": "61006.80",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "61006.80",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 10,
            "opening": "61006.80",
            "annual_pct": "3.60",
            "interest_base": "61006.80",
            "interest": "183.02",
            "normal": "4165.41",
            "normal_principal": "3982.39",
            "after_normal": "57024.41",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "57024.41",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 11,
            "opening": "57024.41",
            "annual_pct": "3.60",
            "interest_base": "57024.41",
            "interest": "171.07",
            "normal": "4165.41",
            "normal_principal": "3994.34",
            "after_normal": "53030.07",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "53030.07",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 12,
            "opening": "53030.07",
            "annual_pct": "3.60",
            "interest_base": "53030.07",
            "interest": "159.09",
            "normal": "4165.41",
            "normal_principal": "4006.32",
            "after_normal": "49023.75",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "49023.75",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 13,
            "opening": "49023.75",
            "annual_pct": "3.60",
            "interest_base": "49023.75",
            "interest": "147.07",
            "normal": "4165.41",
            "normal_principal": "4018.34",
            "after_normal": "45005.41",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "45005.41",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 14,
            "opening": "45005.41",
            "annual_pct": "3.60",
            "interest_base": "45005.41",
            "interest": "135.02",
            "normal": "4165.41",
            "normal_principal": "4030.39",
            "after_normal": "40975.02",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "40975.02",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 15,
            "opening": "40975.02",
            "annual_pct": "3.60",
            "interest_base": "40975.02",
            "interest": "122.93",
            "normal": "4165.41",
            "normal_principal": "4042.48",
            "after_normal": "36932.54",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "36932.54",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 16,
            "opening": "36932.54",
            "annual_pct": "3.60",
            "interest_base": "36932.54",
            "interest": "110.80",
            "normal": "4165.41",
            "normal_principal": "4054.61",
            "after_normal": "32877.93",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "32877.93",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 17,
            "opening": "32877.93",
            "annual_pct": "3.60",
            "interest_base": "32877.93",
            "interest": "98.63",
            "normal": "4165.41",
            "normal_principal": "4066.78",
            "after_normal": "28811.15",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "28811.15",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 18,
            "opening": "28811.15",
            "annual_pct": "3.60",
            "interest_base": "28811.15",
            "interest": "86.43",
            "normal": "4165.41",
            "normal_principal": "4078.98",
            "after_normal": "24732.17",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "24732.17",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 19,
            "opening": "24732.17",
            "annual_pct": "3.60",
            "interest_base": "24732.17",
            "interest": "74.20",
            "normal": "4165.41",
            "normal_principal": "4091.21",
            "after_normal": "20640.96",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "20640.96",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 20,
            "opening": "20640.96",
            "annual_pct": "3.60",
            "interest_base": "20640.96",
            "interest": "61.92",
            "normal": "4165.41",
            "normal_principal": "4103.49",
            "after_normal": "16537.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "16537.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 21,
            "opening": "16537.47",
            "annual_pct": "3.60",
            "interest_base": "16537.47",
            "interest": "49.61",
            "normal": "4165.41",
            "normal_principal": "4115.80",
            "after_normal": "12421.67",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "12421.67",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 22,
            "opening": "12421.67",
            "annual_pct": "3.60",
            "interest_base": "12421.67",
            "interest": "37.27",
            "normal": "4165.41",
            "normal_principal": "4128.14",
            "after_normal": "8293.53",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "8293.53",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 23,
            "opening": "8293.53",
            "annual_pct": "3.60",
            "interest_base": "8293.53",
            "interest": "24.88",
            "normal": "4165.41",
            "normal_principal": "4140.53",
            "after_normal": "4153.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.41",
            "closing": "4153.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          },
          {
            "month": 24,
            "opening": "4153.00",
            "annual_pct": "3.60",
            "interest_base": "4153.00",
            "interest": "12.46",
            "normal": "4165.46",
            "normal_principal": "4153.00",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4165.46",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4165.41",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "100000.00",
        "total_extra": "20000.00",
        "total_principal": "120000.00",
        "total_interest": "4266.95",
        "total_fees": "0.00",
        "total_cash": "124266.95",
        "unused_extra": "0.00"
      },
      "independent_B": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "4.80",
            "interest_base": "120000.00",
            "interest": "480.00",
            "normal": "5253.83",
            "normal_principal": "4773.83",
            "after_normal": "115226.17",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "115226.17",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115226.17",
            "annual_pct": "4.80",
            "interest_base": "115226.17",
            "interest": "460.90",
            "normal": "5253.83",
            "normal_principal": "4792.93",
            "after_normal": "110433.24",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "110433.24",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110433.24",
            "annual_pct": "4.80",
            "interest_base": "110433.24",
            "interest": "441.73",
            "normal": "5253.83",
            "normal_principal": "4812.10",
            "after_normal": "105621.14",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "105621.14",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105621.14",
            "annual_pct": "3.60",
            "interest_base": "85621.14",
            "interest": "256.86",
            "normal": "4213.09",
            "normal_principal": "3956.23",
            "after_normal": "81664.91",
            "requested_extra": "20000.00",
            "extra": "20000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "24213.09",
            "closing": "81664.91",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": "reduce"
          },
          {
            "month": 5,
            "opening": "81664.91",
            "annual_pct": "3.60",
            "interest_base": "81664.91",
            "interest": "244.99",
            "normal": "4213.09",
            "normal_principal": "3968.10",
            "after_normal": "77696.81",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "77696.81",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 6,
            "opening": "77696.81",
            "annual_pct": "3.60",
            "interest_base": "77696.81",
            "interest": "233.09",
            "normal": "4213.09",
            "normal_principal": "3980.00",
            "after_normal": "73716.81",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "73716.81",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 7,
            "opening": "73716.81",
            "annual_pct": "3.60",
            "interest_base": "73716.81",
            "interest": "221.15",
            "normal": "4213.09",
            "normal_principal": "3991.94",
            "after_normal": "69724.87",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "69724.87",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 8,
            "opening": "69724.87",
            "annual_pct": "3.60",
            "interest_base": "69724.87",
            "interest": "209.17",
            "normal": "4213.09",
            "normal_principal": "4003.92",
            "after_normal": "65720.95",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "65720.95",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 9,
            "opening": "65720.95",
            "annual_pct": "3.60",
            "interest_base": "65720.95",
            "interest": "197.16",
            "normal": "4213.09",
            "normal_principal": "4015.93",
            "after_normal": "61705.02",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "61705.02",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 10,
            "opening": "61705.02",
            "annual_pct": "3.60",
            "interest_base": "61705.02",
            "interest": "185.12",
            "normal": "4213.09",
            "normal_principal": "4027.97",
            "after_normal": "57677.05",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "57677.05",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 11,
            "opening": "57677.05",
            "annual_pct": "3.60",
            "interest_base": "57677.05",
            "interest": "173.03",
            "normal": "4213.09",
            "normal_principal": "4040.06",
            "after_normal": "53636.99",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "53636.99",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 12,
            "opening": "53636.99",
            "annual_pct": "3.60",
            "interest_base": "53636.99",
            "interest": "160.91",
            "normal": "4213.09",
            "normal_principal": "4052.18",
            "after_normal": "49584.81",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "49584.81",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 13,
            "opening": "49584.81",
            "annual_pct": "3.60",
            "interest_base": "49584.81",
            "interest": "148.75",
            "normal": "4213.09",
            "normal_principal": "4064.34",
            "after_normal": "45520.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "45520.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 14,
            "opening": "45520.47",
            "annual_pct": "3.60",
            "interest_base": "45520.47",
            "interest": "136.56",
            "normal": "4213.09",
            "normal_principal": "4076.53",
            "after_normal": "41443.94",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "41443.94",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 15,
            "opening": "41443.94",
            "annual_pct": "3.60",
            "interest_base": "41443.94",
            "interest": "124.33",
            "normal": "4213.09",
            "normal_principal": "4088.76",
            "after_normal": "37355.18",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "37355.18",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 16,
            "opening": "37355.18",
            "annual_pct": "3.60",
            "interest_base": "37355.18",
            "interest": "112.07",
            "normal": "4213.09",
            "normal_principal": "4101.02",
            "after_normal": "33254.16",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "33254.16",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 17,
            "opening": "33254.16",
            "annual_pct": "3.60",
            "interest_base": "33254.16",
            "interest": "99.76",
            "normal": "4213.09",
            "normal_principal": "4113.33",
            "after_normal": "29140.83",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "29140.83",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 18,
            "opening": "29140.83",
            "annual_pct": "3.60",
            "interest_base": "29140.83",
            "interest": "87.42",
            "normal": "4213.09",
            "normal_principal": "4125.67",
            "after_normal": "25015.16",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "25015.16",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 19,
            "opening": "25015.16",
            "annual_pct": "3.60",
            "interest_base": "25015.16",
            "interest": "75.05",
            "normal": "4213.09",
            "normal_principal": "4138.04",
            "after_normal": "20877.12",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "20877.12",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 20,
            "opening": "20877.12",
            "annual_pct": "3.60",
            "interest_base": "20877.12",
            "interest": "62.63",
            "normal": "4213.09",
            "normal_principal": "4150.46",
            "after_normal": "16726.66",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "16726.66",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 21,
            "opening": "16726.66",
            "annual_pct": "3.60",
            "interest_base": "16726.66",
            "interest": "50.18",
            "normal": "4213.09",
            "normal_principal": "4162.91",
            "after_normal": "12563.75",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "12563.75",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 22,
            "opening": "12563.75",
            "annual_pct": "3.60",
            "interest_base": "12563.75",
            "interest": "37.69",
            "normal": "4213.09",
            "normal_principal": "4175.40",
            "after_normal": "8388.35",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "8388.35",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 23,
            "opening": "8388.35",
            "annual_pct": "3.60",
            "interest_base": "8388.35",
            "interest": "25.17",
            "normal": "4213.09",
            "normal_principal": "4187.92",
            "after_normal": "4200.43",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.09",
            "closing": "4200.43",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          },
          {
            "month": 24,
            "opening": "4200.43",
            "annual_pct": "3.60",
            "interest_base": "4200.43",
            "interest": "12.60",
            "normal": "4213.03",
            "normal_principal": "4200.43",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4213.03",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4213.09",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "100000.00",
        "total_extra": "20000.00",
        "total_principal": "120000.00",
        "total_interest": "4236.32",
        "total_fees": "0.00",
        "total_cash": "124236.32",
        "unused_extra": "0.00"
      },
      "comparison": [
        {
          "month": 3,
          "a_interest": "441.73",
          "b_interest": "441.73",
          "a_normal": "5253.83",
          "b_normal": "5253.83",
          "a_closing": "105621.14",
          "b_closing": "105621.14"
        },
        {
          "month": 4,
          "a_interest": "316.86",
          "b_interest": "256.86",
          "a_normal": "5197.21",
          "b_normal": "4213.09",
          "a_closing": "80740.79",
          "b_closing": "81664.91"
        },
        {
          "month": 5,
          "a_interest": "242.22",
          "b_interest": "244.99",
          "a_normal": "4165.41",
          "b_normal": "4213.09",
          "a_closing": "76817.60",
          "b_closing": "77696.81"
        },
        {
          "month": 24,
          "a_interest": "12.46",
          "b_interest": "12.60",
          "a_normal": "4165.46",
          "b_normal": "4213.03",
          "a_closing": "0.00",
          "b_closing": "0.00"
        }
      ],
      "interest_difference_A_minus_B": "30.63"
    }
  },
  "DJ2-003": {
    "input": {
      "principal": 60000,
      "annual_pct": "6",
      "months": 12,
      "events": [
        {
          "month": 2,
          "amount": 12000,
          "mode": "shorten",
          "fee": 0
        },
        {
          "month": 5,
          "amount": 6000,
          "mode": "reduce",
          "fee": 0
        }
      ],
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "method": "annuity",
      "both_reduce_events": [
        {
          "month": 2,
          "amount": 12000,
          "mode": "reduce",
          "fee": 0
        },
        {
          "month": 5,
          "amount": 6000,
          "mode": "reduce",
          "fee": 0
        }
      ]
    },
    "outputs": {
      "mixed": {
        "rows": [
          {
            "month": 1,
            "opening": "60000.00",
            "annual_pct": "6.00",
            "interest_base": "60000.00",
            "interest": "300.00",
            "normal": "5163.99",
            "normal_principal": "4863.99",
            "after_normal": "55136.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5163.99",
            "closing": "55136.01",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "5163.99",
            "mode": null
          },
          {
            "month": 2,
            "opening": "55136.01",
            "annual_pct": "6.00",
            "interest_base": "55136.01",
            "interest": "275.68",
            "normal": "5163.99",
            "normal_principal": "4888.31",
            "after_normal": "50247.70",
            "requested_extra": "12000.00",
            "extra": "12000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "17163.99",
            "closing": "38247.70",
            "previous_end": 12,
            "planned_end": 10,
            "next_payment_or_q": "5163.99",
            "mode": "shorten"
          },
          {
            "month": 3,
            "opening": "38247.70",
            "annual_pct": "6.00",
            "interest_base": "38247.70",
            "interest": "191.24",
            "normal": "5163.99",
            "normal_principal": "4972.75",
            "after_normal": "33274.95",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5163.99",
            "closing": "33274.95",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "5163.99",
            "mode": null
          },
          {
            "month": 4,
            "opening": "33274.95",
            "annual_pct": "6.00",
            "interest_base": "33274.95",
            "interest": "166.37",
            "normal": "5163.99",
            "normal_principal": "4997.62",
            "after_normal": "28277.33",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5163.99",
            "closing": "28277.33",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "5163.99",
            "mode": null
          },
          {
            "month": 5,
            "opening": "28277.33",
            "annual_pct": "6.00",
            "interest_base": "28277.33",
            "interest": "141.39",
            "normal": "5163.99",
            "normal_principal": "5022.60",
            "after_normal": "23254.73",
            "requested_extra": "6000.00",
            "extra": "6000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "11163.99",
            "closing": "17254.73",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "3502.88",
            "mode": "reduce"
          },
          {
            "month": 6,
            "opening": "17254.73",
            "annual_pct": "6.00",
            "interest_base": "17254.73",
            "interest": "86.27",
            "normal": "3502.88",
            "normal_principal": "3416.61",
            "after_normal": "13838.12",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3502.88",
            "closing": "13838.12",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "3502.88",
            "mode": null
          },
          {
            "month": 7,
            "opening": "13838.12",
            "annual_pct": "6.00",
            "interest_base": "13838.12",
            "interest": "69.19",
            "normal": "3502.88",
            "normal_principal": "3433.69",
            "after_normal": "10404.43",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3502.88",
            "closing": "10404.43",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "3502.88",
            "mode": null
          },
          {
            "month": 8,
            "opening": "10404.43",
            "annual_pct": "6.00",
            "interest_base": "10404.43",
            "interest": "52.02",
            "normal": "3502.88",
            "normal_principal": "3450.86",
            "after_normal": "6953.57",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3502.88",
            "closing": "6953.57",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "3502.88",
            "mode": null
          },
          {
            "month": 9,
            "opening": "6953.57",
            "annual_pct": "6.00",
            "interest_base": "6953.57",
            "interest": "34.77",
            "normal": "3502.88",
            "normal_principal": "3468.11",
            "after_normal": "3485.46",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3502.88",
            "closing": "3485.46",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "3502.88",
            "mode": null
          },
          {
            "month": 10,
            "opening": "3485.46",
            "annual_pct": "6.00",
            "interest_base": "3485.46",
            "interest": "17.43",
            "normal": "3502.89",
            "normal_principal": "3485.46",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3502.89",
            "closing": "0.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "3502.88",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 10,
        "total_normal_principal": "42000.00",
        "total_extra": "18000.00",
        "total_principal": "60000.00",
        "total_interest": "1334.36",
        "total_fees": "0.00",
        "total_cash": "61334.36",
        "unused_extra": "0.00"
      },
      "both_reduce": {
        "rows": [
          {
            "month": 1,
            "opening": "60000.00",
            "annual_pct": "6.00",
            "interest_base": "60000.00",
            "interest": "300.00",
            "normal": "5163.99",
            "normal_principal": "4863.99",
            "after_normal": "55136.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5163.99",
            "closing": "55136.01",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "5163.99",
            "mode": null
          },
          {
            "month": 2,
            "opening": "55136.01",
            "annual_pct": "6.00",
            "interest_base": "55136.01",
            "interest": "275.68",
            "normal": "5163.99",
            "normal_principal": "4888.31",
            "after_normal": "50247.70",
            "requested_extra": "12000.00",
            "extra": "12000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "17163.99",
            "closing": "38247.70",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3930.74",
            "mode": "reduce"
          },
          {
            "month": 3,
            "opening": "38247.70",
            "annual_pct": "6.00",
            "interest_base": "38247.70",
            "interest": "191.24",
            "normal": "3930.74",
            "normal_principal": "3739.50",
            "after_normal": "34508.20",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3930.74",
            "closing": "34508.20",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3930.74",
            "mode": null
          },
          {
            "month": 4,
            "opening": "34508.20",
            "annual_pct": "6.00",
            "interest_base": "34508.20",
            "interest": "172.54",
            "normal": "3930.74",
            "normal_principal": "3758.20",
            "after_normal": "30750.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3930.74",
            "closing": "30750.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3930.74",
            "mode": null
          },
          {
            "month": 5,
            "opening": "30750.00",
            "annual_pct": "6.00",
            "interest_base": "30750.00",
            "interest": "153.75",
            "normal": "3930.74",
            "normal_principal": "3776.99",
            "after_normal": "26973.01",
            "requested_extra": "6000.00",
            "extra": "6000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "9930.74",
            "closing": "20973.01",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": "reduce"
          },
          {
            "month": 6,
            "opening": "20973.01",
            "annual_pct": "6.00",
            "interest_base": "20973.01",
            "interest": "104.87",
            "normal": "3056.37",
            "normal_principal": "2951.50",
            "after_normal": "18021.51",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3056.37",
            "closing": "18021.51",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": null
          },
          {
            "month": 7,
            "opening": "18021.51",
            "annual_pct": "6.00",
            "interest_base": "18021.51",
            "interest": "90.11",
            "normal": "3056.37",
            "normal_principal": "2966.26",
            "after_normal": "15055.25",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3056.37",
            "closing": "15055.25",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": null
          },
          {
            "month": 8,
            "opening": "15055.25",
            "annual_pct": "6.00",
            "interest_base": "15055.25",
            "interest": "75.28",
            "normal": "3056.37",
            "normal_principal": "2981.09",
            "after_normal": "12074.16",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3056.37",
            "closing": "12074.16",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": null
          },
          {
            "month": 9,
            "opening": "12074.16",
            "annual_pct": "6.00",
            "interest_base": "12074.16",
            "interest": "60.37",
            "normal": "3056.37",
            "normal_principal": "2996.00",
            "after_normal": "9078.16",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3056.37",
            "closing": "9078.16",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": null
          },
          {
            "month": 10,
            "opening": "9078.16",
            "annual_pct": "6.00",
            "interest_base": "9078.16",
            "interest": "45.39",
            "normal": "3056.37",
            "normal_principal": "3010.98",
            "after_normal": "6067.18",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3056.37",
            "closing": "6067.18",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": null
          },
          {
            "month": 11,
            "opening": "6067.18",
            "annual_pct": "6.00",
            "interest_base": "6067.18",
            "interest": "30.34",
            "normal": "3056.37",
            "normal_principal": "3026.03",
            "after_normal": "3041.15",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3056.37",
            "closing": "3041.15",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": null
          },
          {
            "month": 12,
            "opening": "3041.15",
            "annual_pct": "6.00",
            "interest_base": "3041.15",
            "interest": "15.21",
            "normal": "3056.36",
            "normal_principal": "3041.15",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3056.36",
            "closing": "0.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "3056.37",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 12,
        "total_normal_principal": "42000.00",
        "total_extra": "18000.00",
        "total_principal": "60000.00",
        "total_interest": "1514.78",
        "total_fees": "0.00",
        "total_cash": "61514.78",
        "unused_extra": "0.00"
      }
    }
  },
  "DJ2-004": {
    "input": {
      "principal": 360000,
      "annual_pct": "3.6",
      "months": 60,
      "opening_cash": 30000,
      "monthly_income": 15000,
      "monthly_living": 8000,
      "cash_floor": 30000,
      "bonuses": {
        "12": 50000,
        "24": 20000,
        "36": 45000
      },
      "annual_costs": {
        "12": 15000,
        "24": 25000,
        "36": 20000
      },
      "observation_months": 36,
      "fixed_extra": 30000,
      "event_mode": "shorten",
      "cash_interest": 0,
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "method": "annuity"
    },
    "outputs": {
      "fixed": {
        "cash_rows": [
          {
            "month": 1,
            "opening_cash": "30000.00",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30434.84",
            "extra": "0.00",
            "closing_cash": "30434.84",
            "below_floor": "0.00",
            "loan_closing": "354514.84"
          },
          {
            "month": 2,
            "opening_cash": "30434.84",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30869.68",
            "extra": "0.00",
            "closing_cash": "30869.68",
            "below_floor": "0.00",
            "loan_closing": "349013.22"
          },
          {
            "month": 3,
            "opening_cash": "30869.68",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31304.52",
            "extra": "0.00",
            "closing_cash": "31304.52",
            "below_floor": "0.00",
            "loan_closing": "343495.10"
          },
          {
            "month": 4,
            "opening_cash": "31304.52",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31739.36",
            "extra": "0.00",
            "closing_cash": "31739.36",
            "below_floor": "0.00",
            "loan_closing": "337960.43"
          },
          {
            "month": 5,
            "opening_cash": "31739.36",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32174.20",
            "extra": "0.00",
            "closing_cash": "32174.20",
            "below_floor": "0.00",
            "loan_closing": "332409.15"
          },
          {
            "month": 6,
            "opening_cash": "32174.20",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32609.04",
            "extra": "0.00",
            "closing_cash": "32609.04",
            "below_floor": "0.00",
            "loan_closing": "326841.22"
          },
          {
            "month": 7,
            "opening_cash": "32609.04",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33043.88",
            "extra": "0.00",
            "closing_cash": "33043.88",
            "below_floor": "0.00",
            "loan_closing": "321256.58"
          },
          {
            "month": 8,
            "opening_cash": "33043.88",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33478.72",
            "extra": "0.00",
            "closing_cash": "33478.72",
            "below_floor": "0.00",
            "loan_closing": "315655.19"
          },
          {
            "month": 9,
            "opening_cash": "33478.72",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33913.56",
            "extra": "0.00",
            "closing_cash": "33913.56",
            "below_floor": "0.00",
            "loan_closing": "310037.00"
          },
          {
            "month": 10,
            "opening_cash": "33913.56",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34348.40",
            "extra": "0.00",
            "closing_cash": "34348.40",
            "below_floor": "0.00",
            "loan_closing": "304401.95"
          },
          {
            "month": 11,
            "opening_cash": "34348.40",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34783.24",
            "extra": "0.00",
            "closing_cash": "34783.24",
            "below_floor": "0.00",
            "loan_closing": "298750.00"
          },
          {
            "month": 12,
            "opening_cash": "34783.24",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "50000.00",
            "annual_cost": "15000.00",
            "before_extra": "70218.08",
            "extra": "30000.00",
            "closing_cash": "40218.08",
            "below_floor": "0.00",
            "loan_closing": "263081.09"
          },
          {
            "month": 13,
            "opening_cash": "40218.08",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "40652.92",
            "extra": "0.00",
            "closing_cash": "40652.92",
            "below_floor": "0.00",
            "loan_closing": "257305.17"
          },
          {
            "month": 14,
            "opening_cash": "40652.92",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "41087.76",
            "extra": "0.00",
            "closing_cash": "41087.76",
            "below_floor": "0.00",
            "loan_closing": "251511.93"
          },
          {
            "month": 15,
            "opening_cash": "41087.76",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "41522.60",
            "extra": "0.00",
            "closing_cash": "41522.60",
            "below_floor": "0.00",
            "loan_closing": "245701.31"
          },
          {
            "month": 16,
            "opening_cash": "41522.60",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "41957.44",
            "extra": "0.00",
            "closing_cash": "41957.44",
            "below_floor": "0.00",
            "loan_closing": "239873.25"
          },
          {
            "month": 17,
            "opening_cash": "41957.44",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "42392.28",
            "extra": "0.00",
            "closing_cash": "42392.28",
            "below_floor": "0.00",
            "loan_closing": "234027.71"
          },
          {
            "month": 18,
            "opening_cash": "42392.28",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "42827.12",
            "extra": "0.00",
            "closing_cash": "42827.12",
            "below_floor": "0.00",
            "loan_closing": "228164.63"
          },
          {
            "month": 19,
            "opening_cash": "42827.12",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "43261.96",
            "extra": "0.00",
            "closing_cash": "43261.96",
            "below_floor": "0.00",
            "loan_closing": "222283.96"
          },
          {
            "month": 20,
            "opening_cash": "43261.96",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "43696.80",
            "extra": "0.00",
            "closing_cash": "43696.80",
            "below_floor": "0.00",
            "loan_closing": "216385.65"
          },
          {
            "month": 21,
            "opening_cash": "43696.80",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "44131.64",
            "extra": "0.00",
            "closing_cash": "44131.64",
            "below_floor": "0.00",
            "loan_closing": "210469.65"
          },
          {
            "month": 22,
            "opening_cash": "44131.64",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "44566.48",
            "extra": "0.00",
            "closing_cash": "44566.48",
            "below_floor": "0.00",
            "loan_closing": "204535.90"
          },
          {
            "month": 23,
            "opening_cash": "44566.48",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "45001.32",
            "extra": "0.00",
            "closing_cash": "45001.32",
            "below_floor": "0.00",
            "loan_closing": "198584.35"
          },
          {
            "month": 24,
            "opening_cash": "45001.32",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "20000.00",
            "annual_cost": "25000.00",
            "before_extra": "40436.16",
            "extra": "30000.00",
            "closing_cash": "10436.16",
            "below_floor": "19563.84",
            "loan_closing": "162614.94"
          },
          {
            "month": 25,
            "opening_cash": "10436.16",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "10871.00",
            "extra": "0.00",
            "closing_cash": "10871.00",
            "below_floor": "19129.00",
            "loan_closing": "156537.62"
          },
          {
            "month": 26,
            "opening_cash": "10871.00",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "11305.84",
            "extra": "0.00",
            "closing_cash": "11305.84",
            "below_floor": "18694.16",
            "loan_closing": "150442.07"
          },
          {
            "month": 27,
            "opening_cash": "11305.84",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "11740.68",
            "extra": "0.00",
            "closing_cash": "11740.68",
            "below_floor": "18259.32",
            "loan_closing": "144328.24"
          },
          {
            "month": 28,
            "opening_cash": "11740.68",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "12175.52",
            "extra": "0.00",
            "closing_cash": "12175.52",
            "below_floor": "17824.48",
            "loan_closing": "138196.06"
          },
          {
            "month": 29,
            "opening_cash": "12175.52",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "12610.36",
            "extra": "0.00",
            "closing_cash": "12610.36",
            "below_floor": "17389.64",
            "loan_closing": "132045.49"
          },
          {
            "month": 30,
            "opening_cash": "12610.36",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "13045.20",
            "extra": "0.00",
            "closing_cash": "13045.20",
            "below_floor": "16954.80",
            "loan_closing": "125876.47"
          },
          {
            "month": 31,
            "opening_cash": "13045.20",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "13480.04",
            "extra": "0.00",
            "closing_cash": "13480.04",
            "below_floor": "16519.96",
            "loan_closing": "119688.94"
          },
          {
            "month": 32,
            "opening_cash": "13480.04",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "13914.88",
            "extra": "0.00",
            "closing_cash": "13914.88",
            "below_floor": "16085.12",
            "loan_closing": "113482.85"
          },
          {
            "month": 33,
            "opening_cash": "13914.88",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "14349.72",
            "extra": "0.00",
            "closing_cash": "14349.72",
            "below_floor": "15650.28",
            "loan_closing": "107258.14"
          },
          {
            "month": 34,
            "opening_cash": "14349.72",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "14784.56",
            "extra": "0.00",
            "closing_cash": "14784.56",
            "below_floor": "15215.44",
            "loan_closing": "101014.75"
          },
          {
            "month": 35,
            "opening_cash": "14784.56",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "15219.40",
            "extra": "0.00",
            "closing_cash": "15219.40",
            "below_floor": "14780.60",
            "loan_closing": "94752.63"
          },
          {
            "month": 36,
            "opening_cash": "15219.40",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "45000.00",
            "annual_cost": "20000.00",
            "before_extra": "40654.24",
            "extra": "30000.00",
            "closing_cash": "10654.24",
            "below_floor": "19345.76",
            "loan_closing": "58471.73"
          }
        ],
        "loan": {
          "rows": [
            {
              "month": 1,
              "opening": "360000.00",
              "annual_pct": "3.60",
              "interest_base": "360000.00",
              "interest": "1080.00",
              "normal": "6565.16",
              "normal_principal": "5485.16",
              "after_normal": "354514.84",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "354514.84",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 2,
              "opening": "354514.84",
              "annual_pct": "3.60",
              "interest_base": "354514.84",
              "interest": "1063.54",
              "normal": "6565.16",
              "normal_principal": "5501.62",
              "after_normal": "349013.22",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "349013.22",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 3,
              "opening": "349013.22",
              "annual_pct": "3.60",
              "interest_base": "349013.22",
              "interest": "1047.04",
              "normal": "6565.16",
              "normal_principal": "5518.12",
              "after_normal": "343495.10",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "343495.10",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 4,
              "opening": "343495.10",
              "annual_pct": "3.60",
              "interest_base": "343495.10",
              "interest": "1030.49",
              "normal": "6565.16",
              "normal_principal": "5534.67",
              "after_normal": "337960.43",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "337960.43",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 5,
              "opening": "337960.43",
              "annual_pct": "3.60",
              "interest_base": "337960.43",
              "interest": "1013.88",
              "normal": "6565.16",
              "normal_principal": "5551.28",
              "after_normal": "332409.15",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "332409.15",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 6,
              "opening": "332409.15",
              "annual_pct": "3.60",
              "interest_base": "332409.15",
              "interest": "997.23",
              "normal": "6565.16",
              "normal_principal": "5567.93",
              "after_normal": "326841.22",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "326841.22",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 7,
              "opening": "326841.22",
              "annual_pct": "3.60",
              "interest_base": "326841.22",
              "interest": "980.52",
              "normal": "6565.16",
              "normal_principal": "5584.64",
              "after_normal": "321256.58",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "321256.58",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 8,
              "opening": "321256.58",
              "annual_pct": "3.60",
              "interest_base": "321256.58",
              "interest": "963.77",
              "normal": "6565.16",
              "normal_principal": "5601.39",
              "after_normal": "315655.19",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "315655.19",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 9,
              "opening": "315655.19",
              "annual_pct": "3.60",
              "interest_base": "315655.19",
              "interest": "946.97",
              "normal": "6565.16",
              "normal_principal": "5618.19",
              "after_normal": "310037.00",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "310037.00",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 10,
              "opening": "310037.00",
              "annual_pct": "3.60",
              "interest_base": "310037.00",
              "interest": "930.11",
              "normal": "6565.16",
              "normal_principal": "5635.05",
              "after_normal": "304401.95",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "304401.95",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 11,
              "opening": "304401.95",
              "annual_pct": "3.60",
              "interest_base": "304401.95",
              "interest": "913.21",
              "normal": "6565.16",
              "normal_principal": "5651.95",
              "after_normal": "298750.00",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "298750.00",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 12,
              "opening": "298750.00",
              "annual_pct": "3.60",
              "interest_base": "298750.00",
              "interest": "896.25",
              "normal": "6565.16",
              "normal_principal": "5668.91",
              "after_normal": "293081.09",
              "requested_extra": "30000.00",
              "extra": "30000.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "36565.16",
              "closing": "263081.09",
              "previous_end": 60,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": "shorten"
            },
            {
              "month": 13,
              "opening": "263081.09",
              "annual_pct": "3.60",
              "interest_base": "263081.09",
              "interest": "789.24",
              "normal": "6565.16",
              "normal_principal": "5775.92",
              "after_normal": "257305.17",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "257305.17",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 14,
              "opening": "257305.17",
              "annual_pct": "3.60",
              "interest_base": "257305.17",
              "interest": "771.92",
              "normal": "6565.16",
              "normal_principal": "5793.24",
              "after_normal": "251511.93",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "251511.93",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 15,
              "opening": "251511.93",
              "annual_pct": "3.60",
              "interest_base": "251511.93",
              "interest": "754.54",
              "normal": "6565.16",
              "normal_principal": "5810.62",
              "after_normal": "245701.31",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "245701.31",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 16,
              "opening": "245701.31",
              "annual_pct": "3.60",
              "interest_base": "245701.31",
              "interest": "737.10",
              "normal": "6565.16",
              "normal_principal": "5828.06",
              "after_normal": "239873.25",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "239873.25",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 17,
              "opening": "239873.25",
              "annual_pct": "3.60",
              "interest_base": "239873.25",
              "interest": "719.62",
              "normal": "6565.16",
              "normal_principal": "5845.54",
              "after_normal": "234027.71",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "234027.71",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 18,
              "opening": "234027.71",
              "annual_pct": "3.60",
              "interest_base": "234027.71",
              "interest": "702.08",
              "normal": "6565.16",
              "normal_principal": "5863.08",
              "after_normal": "228164.63",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "228164.63",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 19,
              "opening": "228164.63",
              "annual_pct": "3.60",
              "interest_base": "228164.63",
              "interest": "684.49",
              "normal": "6565.16",
              "normal_principal": "5880.67",
              "after_normal": "222283.96",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "222283.96",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 20,
              "opening": "222283.96",
              "annual_pct": "3.60",
              "interest_base": "222283.96",
              "interest": "666.85",
              "normal": "6565.16",
              "normal_principal": "5898.31",
              "after_normal": "216385.65",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "216385.65",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 21,
              "opening": "216385.65",
              "annual_pct": "3.60",
              "interest_base": "216385.65",
              "interest": "649.16",
              "normal": "6565.16",
              "normal_principal": "5916.00",
              "after_normal": "210469.65",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "210469.65",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 22,
              "opening": "210469.65",
              "annual_pct": "3.60",
              "interest_base": "210469.65",
              "interest": "631.41",
              "normal": "6565.16",
              "normal_principal": "5933.75",
              "after_normal": "204535.90",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "204535.90",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 23,
              "opening": "204535.90",
              "annual_pct": "3.60",
              "interest_base": "204535.90",
              "interest": "613.61",
              "normal": "6565.16",
              "normal_principal": "5951.55",
              "after_normal": "198584.35",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "198584.35",
              "previous_end": 55,
              "planned_end": 55,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 24,
              "opening": "198584.35",
              "annual_pct": "3.60",
              "interest_base": "198584.35",
              "interest": "595.75",
              "normal": "6565.16",
              "normal_principal": "5969.41",
              "after_normal": "192614.94",
              "requested_extra": "30000.00",
              "extra": "30000.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "36565.16",
              "closing": "162614.94",
              "previous_end": 55,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": "shorten"
            },
            {
              "month": 25,
              "opening": "162614.94",
              "annual_pct": "3.60",
              "interest_base": "162614.94",
              "interest": "487.84",
              "normal": "6565.16",
              "normal_principal": "6077.32",
              "after_normal": "156537.62",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "156537.62",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 26,
              "opening": "156537.62",
              "annual_pct": "3.60",
              "interest_base": "156537.62",
              "interest": "469.61",
              "normal": "6565.16",
              "normal_principal": "6095.55",
              "after_normal": "150442.07",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "150442.07",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 27,
              "opening": "150442.07",
              "annual_pct": "3.60",
              "interest_base": "150442.07",
              "interest": "451.33",
              "normal": "6565.16",
              "normal_principal": "6113.83",
              "after_normal": "144328.24",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "144328.24",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 28,
              "opening": "144328.24",
              "annual_pct": "3.60",
              "interest_base": "144328.24",
              "interest": "432.98",
              "normal": "6565.16",
              "normal_principal": "6132.18",
              "after_normal": "138196.06",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "138196.06",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 29,
              "opening": "138196.06",
              "annual_pct": "3.60",
              "interest_base": "138196.06",
              "interest": "414.59",
              "normal": "6565.16",
              "normal_principal": "6150.57",
              "after_normal": "132045.49",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "132045.49",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 30,
              "opening": "132045.49",
              "annual_pct": "3.60",
              "interest_base": "132045.49",
              "interest": "396.14",
              "normal": "6565.16",
              "normal_principal": "6169.02",
              "after_normal": "125876.47",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "125876.47",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 31,
              "opening": "125876.47",
              "annual_pct": "3.60",
              "interest_base": "125876.47",
              "interest": "377.63",
              "normal": "6565.16",
              "normal_principal": "6187.53",
              "after_normal": "119688.94",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "119688.94",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 32,
              "opening": "119688.94",
              "annual_pct": "3.60",
              "interest_base": "119688.94",
              "interest": "359.07",
              "normal": "6565.16",
              "normal_principal": "6206.09",
              "after_normal": "113482.85",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "113482.85",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 33,
              "opening": "113482.85",
              "annual_pct": "3.60",
              "interest_base": "113482.85",
              "interest": "340.45",
              "normal": "6565.16",
              "normal_principal": "6224.71",
              "after_normal": "107258.14",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "107258.14",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 34,
              "opening": "107258.14",
              "annual_pct": "3.60",
              "interest_base": "107258.14",
              "interest": "321.77",
              "normal": "6565.16",
              "normal_principal": "6243.39",
              "after_normal": "101014.75",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "101014.75",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 35,
              "opening": "101014.75",
              "annual_pct": "3.60",
              "interest_base": "101014.75",
              "interest": "303.04",
              "normal": "6565.16",
              "normal_principal": "6262.12",
              "after_normal": "94752.63",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "94752.63",
              "previous_end": 50,
              "planned_end": 50,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 36,
              "opening": "94752.63",
              "annual_pct": "3.60",
              "interest_base": "94752.63",
              "interest": "284.26",
              "normal": "6565.16",
              "normal_principal": "6280.90",
              "after_normal": "88471.73",
              "requested_extra": "30000.00",
              "extra": "30000.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "36565.16",
              "closing": "58471.73",
              "previous_end": 50,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": "shorten"
            },
            {
              "month": 37,
              "opening": "58471.73",
              "annual_pct": "3.60",
              "interest_base": "58471.73",
              "interest": "175.42",
              "normal": "6565.16",
              "normal_principal": "6389.74",
              "after_normal": "52081.99",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "52081.99",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 38,
              "opening": "52081.99",
              "annual_pct": "3.60",
              "interest_base": "52081.99",
              "interest": "156.25",
              "normal": "6565.16",
              "normal_principal": "6408.91",
              "after_normal": "45673.08",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "45673.08",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 39,
              "opening": "45673.08",
              "annual_pct": "3.60",
              "interest_base": "45673.08",
              "interest": "137.02",
              "normal": "6565.16",
              "normal_principal": "6428.14",
              "after_normal": "39244.94",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "39244.94",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 40,
              "opening": "39244.94",
              "annual_pct": "3.60",
              "interest_base": "39244.94",
              "interest": "117.73",
              "normal": "6565.16",
              "normal_principal": "6447.43",
              "after_normal": "32797.51",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "32797.51",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 41,
              "opening": "32797.51",
              "annual_pct": "3.60",
              "interest_base": "32797.51",
              "interest": "98.39",
              "normal": "6565.16",
              "normal_principal": "6466.77",
              "after_normal": "26330.74",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "26330.74",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 42,
              "opening": "26330.74",
              "annual_pct": "3.60",
              "interest_base": "26330.74",
              "interest": "78.99",
              "normal": "6565.16",
              "normal_principal": "6486.17",
              "after_normal": "19844.57",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "19844.57",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 43,
              "opening": "19844.57",
              "annual_pct": "3.60",
              "interest_base": "19844.57",
              "interest": "59.53",
              "normal": "6565.16",
              "normal_principal": "6505.63",
              "after_normal": "13338.94",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "13338.94",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 44,
              "opening": "13338.94",
              "annual_pct": "3.60",
              "interest_base": "13338.94",
              "interest": "40.02",
              "normal": "6565.16",
              "normal_principal": "6525.14",
              "after_normal": "6813.80",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "6813.80",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 45,
              "opening": "6813.80",
              "annual_pct": "3.60",
              "interest_base": "6813.80",
              "interest": "20.44",
              "normal": "6565.16",
              "normal_principal": "6544.72",
              "after_normal": "269.08",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "269.08",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 46,
              "opening": "269.08",
              "annual_pct": "3.60",
              "interest_base": "269.08",
              "interest": "0.81",
              "normal": "269.89",
              "normal_principal": "269.08",
              "after_normal": "0.00",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "269.89",
              "closing": "0.00",
              "previous_end": 46,
              "planned_end": 46,
              "next_payment_or_q": "6565.16",
              "mode": null
            }
          ],
          "skipped_events": [],
          "payoff_month": 46,
          "total_normal_principal": "270000.00",
          "total_extra": "90000.00",
          "total_principal": "360000.00",
          "total_interest": "25702.09",
          "total_fees": "0.00",
          "total_cash": "385702.09",
          "unused_extra": "0.00"
        },
        "minimum_cash": "10436.16",
        "end_cash": "10654.24",
        "events": [
          {
            "month": 12,
            "amount": "30000",
            "mode": "shorten",
            "fee": 0
          },
          {
            "month": 24,
            "amount": "30000",
            "mode": "shorten",
            "fee": 0
          },
          {
            "month": 36,
            "amount": "30000",
            "mode": "shorten",
            "fee": 0
          }
        ],
        "cash_totals": {
          "income": "540000.00",
          "living": "288000.00",
          "normal": "236345.76",
          "bonus": "115000.00",
          "annual_cost": "60000.00",
          "extra": "90000.00"
        },
        "total_extra_36": "90000.00"
      },
      "surplus": {
        "cash_rows": [
          {
            "month": 1,
            "opening_cash": "30000.00",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30434.84",
            "extra": "0.00",
            "closing_cash": "30434.84",
            "below_floor": "0.00",
            "loan_closing": "354514.84"
          },
          {
            "month": 2,
            "opening_cash": "30434.84",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30869.68",
            "extra": "0.00",
            "closing_cash": "30869.68",
            "below_floor": "0.00",
            "loan_closing": "349013.22"
          },
          {
            "month": 3,
            "opening_cash": "30869.68",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31304.52",
            "extra": "0.00",
            "closing_cash": "31304.52",
            "below_floor": "0.00",
            "loan_closing": "343495.10"
          },
          {
            "month": 4,
            "opening_cash": "31304.52",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31739.36",
            "extra": "0.00",
            "closing_cash": "31739.36",
            "below_floor": "0.00",
            "loan_closing": "337960.43"
          },
          {
            "month": 5,
            "opening_cash": "31739.36",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32174.20",
            "extra": "0.00",
            "closing_cash": "32174.20",
            "below_floor": "0.00",
            "loan_closing": "332409.15"
          },
          {
            "month": 6,
            "opening_cash": "32174.20",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32609.04",
            "extra": "0.00",
            "closing_cash": "32609.04",
            "below_floor": "0.00",
            "loan_closing": "326841.22"
          },
          {
            "month": 7,
            "opening_cash": "32609.04",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33043.88",
            "extra": "0.00",
            "closing_cash": "33043.88",
            "below_floor": "0.00",
            "loan_closing": "321256.58"
          },
          {
            "month": 8,
            "opening_cash": "33043.88",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33478.72",
            "extra": "0.00",
            "closing_cash": "33478.72",
            "below_floor": "0.00",
            "loan_closing": "315655.19"
          },
          {
            "month": 9,
            "opening_cash": "33478.72",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33913.56",
            "extra": "0.00",
            "closing_cash": "33913.56",
            "below_floor": "0.00",
            "loan_closing": "310037.00"
          },
          {
            "month": 10,
            "opening_cash": "33913.56",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34348.40",
            "extra": "0.00",
            "closing_cash": "34348.40",
            "below_floor": "0.00",
            "loan_closing": "304401.95"
          },
          {
            "month": 11,
            "opening_cash": "34348.40",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34783.24",
            "extra": "0.00",
            "closing_cash": "34783.24",
            "below_floor": "0.00",
            "loan_closing": "298750.00"
          },
          {
            "month": 12,
            "opening_cash": "34783.24",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "50000.00",
            "annual_cost": "15000.00",
            "before_extra": "70218.08",
            "extra": "40218.08",
            "closing_cash": "30000.00",
            "below_floor": "0.00",
            "loan_closing": "252863.01"
          },
          {
            "month": 13,
            "opening_cash": "30000.00",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30434.84",
            "extra": "0.00",
            "closing_cash": "30434.84",
            "below_floor": "0.00",
            "loan_closing": "247056.44"
          },
          {
            "month": 14,
            "opening_cash": "30434.84",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30869.68",
            "extra": "0.00",
            "closing_cash": "30869.68",
            "below_floor": "0.00",
            "loan_closing": "241232.45"
          },
          {
            "month": 15,
            "opening_cash": "30869.68",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31304.52",
            "extra": "0.00",
            "closing_cash": "31304.52",
            "below_floor": "0.00",
            "loan_closing": "235390.99"
          },
          {
            "month": 16,
            "opening_cash": "31304.52",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31739.36",
            "extra": "0.00",
            "closing_cash": "31739.36",
            "below_floor": "0.00",
            "loan_closing": "229532.00"
          },
          {
            "month": 17,
            "opening_cash": "31739.36",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32174.20",
            "extra": "0.00",
            "closing_cash": "32174.20",
            "below_floor": "0.00",
            "loan_closing": "223655.44"
          },
          {
            "month": 18,
            "opening_cash": "32174.20",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32609.04",
            "extra": "0.00",
            "closing_cash": "32609.04",
            "below_floor": "0.00",
            "loan_closing": "217761.25"
          },
          {
            "month": 19,
            "opening_cash": "32609.04",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33043.88",
            "extra": "0.00",
            "closing_cash": "33043.88",
            "below_floor": "0.00",
            "loan_closing": "211849.37"
          },
          {
            "month": 20,
            "opening_cash": "33043.88",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33478.72",
            "extra": "0.00",
            "closing_cash": "33478.72",
            "below_floor": "0.00",
            "loan_closing": "205919.76"
          },
          {
            "month": 21,
            "opening_cash": "33478.72",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33913.56",
            "extra": "0.00",
            "closing_cash": "33913.56",
            "below_floor": "0.00",
            "loan_closing": "199972.36"
          },
          {
            "month": 22,
            "opening_cash": "33913.56",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34348.40",
            "extra": "0.00",
            "closing_cash": "34348.40",
            "below_floor": "0.00",
            "loan_closing": "194007.12"
          },
          {
            "month": 23,
            "opening_cash": "34348.40",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34783.24",
            "extra": "0.00",
            "closing_cash": "34783.24",
            "below_floor": "0.00",
            "loan_closing": "188023.98"
          },
          {
            "month": 24,
            "opening_cash": "34783.24",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "20000.00",
            "annual_cost": "25000.00",
            "before_extra": "30218.08",
            "extra": "218.08",
            "closing_cash": "30000.00",
            "below_floor": "0.00",
            "loan_closing": "181804.81"
          },
          {
            "month": 25,
            "opening_cash": "30000.00",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30434.84",
            "extra": "0.00",
            "closing_cash": "30434.84",
            "below_floor": "0.00",
            "loan_closing": "175785.06"
          },
          {
            "month": 26,
            "opening_cash": "30434.84",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "30869.68",
            "extra": "0.00",
            "closing_cash": "30869.68",
            "below_floor": "0.00",
            "loan_closing": "169747.26"
          },
          {
            "month": 27,
            "opening_cash": "30869.68",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31304.52",
            "extra": "0.00",
            "closing_cash": "31304.52",
            "below_floor": "0.00",
            "loan_closing": "163691.34"
          },
          {
            "month": 28,
            "opening_cash": "31304.52",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "31739.36",
            "extra": "0.00",
            "closing_cash": "31739.36",
            "below_floor": "0.00",
            "loan_closing": "157617.25"
          },
          {
            "month": 29,
            "opening_cash": "31739.36",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32174.20",
            "extra": "0.00",
            "closing_cash": "32174.20",
            "below_floor": "0.00",
            "loan_closing": "151524.94"
          },
          {
            "month": 30,
            "opening_cash": "32174.20",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "32609.04",
            "extra": "0.00",
            "closing_cash": "32609.04",
            "below_floor": "0.00",
            "loan_closing": "145414.35"
          },
          {
            "month": 31,
            "opening_cash": "32609.04",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33043.88",
            "extra": "0.00",
            "closing_cash": "33043.88",
            "below_floor": "0.00",
            "loan_closing": "139285.43"
          },
          {
            "month": 32,
            "opening_cash": "33043.88",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33478.72",
            "extra": "0.00",
            "closing_cash": "33478.72",
            "below_floor": "0.00",
            "loan_closing": "133138.13"
          },
          {
            "month": 33,
            "opening_cash": "33478.72",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "33913.56",
            "extra": "0.00",
            "closing_cash": "33913.56",
            "below_floor": "0.00",
            "loan_closing": "126972.38"
          },
          {
            "month": 34,
            "opening_cash": "33913.56",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34348.40",
            "extra": "0.00",
            "closing_cash": "34348.40",
            "below_floor": "0.00",
            "loan_closing": "120788.14"
          },
          {
            "month": 35,
            "opening_cash": "34348.40",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "0.00",
            "annual_cost": "0.00",
            "before_extra": "34783.24",
            "extra": "0.00",
            "closing_cash": "34783.24",
            "below_floor": "0.00",
            "loan_closing": "114585.34"
          },
          {
            "month": 36,
            "opening_cash": "34783.24",
            "income": "15000.00",
            "living": "8000.00",
            "normal": "6565.16",
            "bonus": "45000.00",
            "annual_cost": "20000.00",
            "before_extra": "60218.08",
            "extra": "30218.08",
            "closing_cash": "30000.00",
            "below_floor": "0.00",
            "loan_closing": "78145.86"
          }
        ],
        "loan": {
          "rows": [
            {
              "month": 1,
              "opening": "360000.00",
              "annual_pct": "3.60",
              "interest_base": "360000.00",
              "interest": "1080.00",
              "normal": "6565.16",
              "normal_principal": "5485.16",
              "after_normal": "354514.84",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "354514.84",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 2,
              "opening": "354514.84",
              "annual_pct": "3.60",
              "interest_base": "354514.84",
              "interest": "1063.54",
              "normal": "6565.16",
              "normal_principal": "5501.62",
              "after_normal": "349013.22",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "349013.22",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 3,
              "opening": "349013.22",
              "annual_pct": "3.60",
              "interest_base": "349013.22",
              "interest": "1047.04",
              "normal": "6565.16",
              "normal_principal": "5518.12",
              "after_normal": "343495.10",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "343495.10",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 4,
              "opening": "343495.10",
              "annual_pct": "3.60",
              "interest_base": "343495.10",
              "interest": "1030.49",
              "normal": "6565.16",
              "normal_principal": "5534.67",
              "after_normal": "337960.43",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "337960.43",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 5,
              "opening": "337960.43",
              "annual_pct": "3.60",
              "interest_base": "337960.43",
              "interest": "1013.88",
              "normal": "6565.16",
              "normal_principal": "5551.28",
              "after_normal": "332409.15",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "332409.15",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 6,
              "opening": "332409.15",
              "annual_pct": "3.60",
              "interest_base": "332409.15",
              "interest": "997.23",
              "normal": "6565.16",
              "normal_principal": "5567.93",
              "after_normal": "326841.22",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "326841.22",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 7,
              "opening": "326841.22",
              "annual_pct": "3.60",
              "interest_base": "326841.22",
              "interest": "980.52",
              "normal": "6565.16",
              "normal_principal": "5584.64",
              "after_normal": "321256.58",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "321256.58",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 8,
              "opening": "321256.58",
              "annual_pct": "3.60",
              "interest_base": "321256.58",
              "interest": "963.77",
              "normal": "6565.16",
              "normal_principal": "5601.39",
              "after_normal": "315655.19",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "315655.19",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 9,
              "opening": "315655.19",
              "annual_pct": "3.60",
              "interest_base": "315655.19",
              "interest": "946.97",
              "normal": "6565.16",
              "normal_principal": "5618.19",
              "after_normal": "310037.00",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "310037.00",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 10,
              "opening": "310037.00",
              "annual_pct": "3.60",
              "interest_base": "310037.00",
              "interest": "930.11",
              "normal": "6565.16",
              "normal_principal": "5635.05",
              "after_normal": "304401.95",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "304401.95",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 11,
              "opening": "304401.95",
              "annual_pct": "3.60",
              "interest_base": "304401.95",
              "interest": "913.21",
              "normal": "6565.16",
              "normal_principal": "5651.95",
              "after_normal": "298750.00",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "298750.00",
              "previous_end": 60,
              "planned_end": 60,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 12,
              "opening": "298750.00",
              "annual_pct": "3.60",
              "interest_base": "298750.00",
              "interest": "896.25",
              "normal": "6565.16",
              "normal_principal": "5668.91",
              "after_normal": "293081.09",
              "requested_extra": "40218.08",
              "extra": "40218.08",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "46783.24",
              "closing": "252863.01",
              "previous_end": 60,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": "shorten"
            },
            {
              "month": 13,
              "opening": "252863.01",
              "annual_pct": "3.60",
              "interest_base": "252863.01",
              "interest": "758.59",
              "normal": "6565.16",
              "normal_principal": "5806.57",
              "after_normal": "247056.44",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "247056.44",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 14,
              "opening": "247056.44",
              "annual_pct": "3.60",
              "interest_base": "247056.44",
              "interest": "741.17",
              "normal": "6565.16",
              "normal_principal": "5823.99",
              "after_normal": "241232.45",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "241232.45",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 15,
              "opening": "241232.45",
              "annual_pct": "3.60",
              "interest_base": "241232.45",
              "interest": "723.70",
              "normal": "6565.16",
              "normal_principal": "5841.46",
              "after_normal": "235390.99",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "235390.99",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 16,
              "opening": "235390.99",
              "annual_pct": "3.60",
              "interest_base": "235390.99",
              "interest": "706.17",
              "normal": "6565.16",
              "normal_principal": "5858.99",
              "after_normal": "229532.00",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "229532.00",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 17,
              "opening": "229532.00",
              "annual_pct": "3.60",
              "interest_base": "229532.00",
              "interest": "688.60",
              "normal": "6565.16",
              "normal_principal": "5876.56",
              "after_normal": "223655.44",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "223655.44",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 18,
              "opening": "223655.44",
              "annual_pct": "3.60",
              "interest_base": "223655.44",
              "interest": "670.97",
              "normal": "6565.16",
              "normal_principal": "5894.19",
              "after_normal": "217761.25",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "217761.25",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 19,
              "opening": "217761.25",
              "annual_pct": "3.60",
              "interest_base": "217761.25",
              "interest": "653.28",
              "normal": "6565.16",
              "normal_principal": "5911.88",
              "after_normal": "211849.37",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "211849.37",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 20,
              "opening": "211849.37",
              "annual_pct": "3.60",
              "interest_base": "211849.37",
              "interest": "635.55",
              "normal": "6565.16",
              "normal_principal": "5929.61",
              "after_normal": "205919.76",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "205919.76",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 21,
              "opening": "205919.76",
              "annual_pct": "3.60",
              "interest_base": "205919.76",
              "interest": "617.76",
              "normal": "6565.16",
              "normal_principal": "5947.40",
              "after_normal": "199972.36",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "199972.36",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 22,
              "opening": "199972.36",
              "annual_pct": "3.60",
              "interest_base": "199972.36",
              "interest": "599.92",
              "normal": "6565.16",
              "normal_principal": "5965.24",
              "after_normal": "194007.12",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "194007.12",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 23,
              "opening": "194007.12",
              "annual_pct": "3.60",
              "interest_base": "194007.12",
              "interest": "582.02",
              "normal": "6565.16",
              "normal_principal": "5983.14",
              "after_normal": "188023.98",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "188023.98",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 24,
              "opening": "188023.98",
              "annual_pct": "3.60",
              "interest_base": "188023.98",
              "interest": "564.07",
              "normal": "6565.16",
              "normal_principal": "6001.09",
              "after_normal": "182022.89",
              "requested_extra": "218.08",
              "extra": "218.08",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6783.24",
              "closing": "181804.81",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": "shorten"
            },
            {
              "month": 25,
              "opening": "181804.81",
              "annual_pct": "3.60",
              "interest_base": "181804.81",
              "interest": "545.41",
              "normal": "6565.16",
              "normal_principal": "6019.75",
              "after_normal": "175785.06",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "175785.06",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 26,
              "opening": "175785.06",
              "annual_pct": "3.60",
              "interest_base": "175785.06",
              "interest": "527.36",
              "normal": "6565.16",
              "normal_principal": "6037.80",
              "after_normal": "169747.26",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "169747.26",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 27,
              "opening": "169747.26",
              "annual_pct": "3.60",
              "interest_base": "169747.26",
              "interest": "509.24",
              "normal": "6565.16",
              "normal_principal": "6055.92",
              "after_normal": "163691.34",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "163691.34",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 28,
              "opening": "163691.34",
              "annual_pct": "3.60",
              "interest_base": "163691.34",
              "interest": "491.07",
              "normal": "6565.16",
              "normal_principal": "6074.09",
              "after_normal": "157617.25",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "157617.25",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 29,
              "opening": "157617.25",
              "annual_pct": "3.60",
              "interest_base": "157617.25",
              "interest": "472.85",
              "normal": "6565.16",
              "normal_principal": "6092.31",
              "after_normal": "151524.94",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "151524.94",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 30,
              "opening": "151524.94",
              "annual_pct": "3.60",
              "interest_base": "151524.94",
              "interest": "454.57",
              "normal": "6565.16",
              "normal_principal": "6110.59",
              "after_normal": "145414.35",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "145414.35",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 31,
              "opening": "145414.35",
              "annual_pct": "3.60",
              "interest_base": "145414.35",
              "interest": "436.24",
              "normal": "6565.16",
              "normal_principal": "6128.92",
              "after_normal": "139285.43",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "139285.43",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 32,
              "opening": "139285.43",
              "annual_pct": "3.60",
              "interest_base": "139285.43",
              "interest": "417.86",
              "normal": "6565.16",
              "normal_principal": "6147.30",
              "after_normal": "133138.13",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "133138.13",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 33,
              "opening": "133138.13",
              "annual_pct": "3.60",
              "interest_base": "133138.13",
              "interest": "399.41",
              "normal": "6565.16",
              "normal_principal": "6165.75",
              "after_normal": "126972.38",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "126972.38",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 34,
              "opening": "126972.38",
              "annual_pct": "3.60",
              "interest_base": "126972.38",
              "interest": "380.92",
              "normal": "6565.16",
              "normal_principal": "6184.24",
              "after_normal": "120788.14",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "120788.14",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 35,
              "opening": "120788.14",
              "annual_pct": "3.60",
              "interest_base": "120788.14",
              "interest": "362.36",
              "normal": "6565.16",
              "normal_principal": "6202.80",
              "after_normal": "114585.34",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "114585.34",
              "previous_end": 53,
              "planned_end": 53,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 36,
              "opening": "114585.34",
              "annual_pct": "3.60",
              "interest_base": "114585.34",
              "interest": "343.76",
              "normal": "6565.16",
              "normal_principal": "6221.40",
              "after_normal": "108363.94",
              "requested_extra": "30218.08",
              "extra": "30218.08",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "36783.24",
              "closing": "78145.86",
              "previous_end": 53,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": "shorten"
            },
            {
              "month": 37,
              "opening": "78145.86",
              "annual_pct": "3.60",
              "interest_base": "78145.86",
              "interest": "234.44",
              "normal": "6565.16",
              "normal_principal": "6330.72",
              "after_normal": "71815.14",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "71815.14",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 38,
              "opening": "71815.14",
              "annual_pct": "3.60",
              "interest_base": "71815.14",
              "interest": "215.45",
              "normal": "6565.16",
              "normal_principal": "6349.71",
              "after_normal": "65465.43",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "65465.43",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 39,
              "opening": "65465.43",
              "annual_pct": "3.60",
              "interest_base": "65465.43",
              "interest": "196.40",
              "normal": "6565.16",
              "normal_principal": "6368.76",
              "after_normal": "59096.67",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "59096.67",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 40,
              "opening": "59096.67",
              "annual_pct": "3.60",
              "interest_base": "59096.67",
              "interest": "177.29",
              "normal": "6565.16",
              "normal_principal": "6387.87",
              "after_normal": "52708.80",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "52708.80",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 41,
              "opening": "52708.80",
              "annual_pct": "3.60",
              "interest_base": "52708.80",
              "interest": "158.13",
              "normal": "6565.16",
              "normal_principal": "6407.03",
              "after_normal": "46301.77",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "46301.77",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 42,
              "opening": "46301.77",
              "annual_pct": "3.60",
              "interest_base": "46301.77",
              "interest": "138.91",
              "normal": "6565.16",
              "normal_principal": "6426.25",
              "after_normal": "39875.52",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "39875.52",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 43,
              "opening": "39875.52",
              "annual_pct": "3.60",
              "interest_base": "39875.52",
              "interest": "119.63",
              "normal": "6565.16",
              "normal_principal": "6445.53",
              "after_normal": "33429.99",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "33429.99",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 44,
              "opening": "33429.99",
              "annual_pct": "3.60",
              "interest_base": "33429.99",
              "interest": "100.29",
              "normal": "6565.16",
              "normal_principal": "6464.87",
              "after_normal": "26965.12",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "26965.12",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 45,
              "opening": "26965.12",
              "annual_pct": "3.60",
              "interest_base": "26965.12",
              "interest": "80.90",
              "normal": "6565.16",
              "normal_principal": "6484.26",
              "after_normal": "20480.86",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "20480.86",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 46,
              "opening": "20480.86",
              "annual_pct": "3.60",
              "interest_base": "20480.86",
              "interest": "61.44",
              "normal": "6565.16",
              "normal_principal": "6503.72",
              "after_normal": "13977.14",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "13977.14",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 47,
              "opening": "13977.14",
              "annual_pct": "3.60",
              "interest_base": "13977.14",
              "interest": "41.93",
              "normal": "6565.16",
              "normal_principal": "6523.23",
              "after_normal": "7453.91",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "7453.91",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 48,
              "opening": "7453.91",
              "annual_pct": "3.60",
              "interest_base": "7453.91",
              "interest": "22.36",
              "normal": "6565.16",
              "normal_principal": "6542.80",
              "after_normal": "911.11",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "6565.16",
              "closing": "911.11",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            },
            {
              "month": 49,
              "opening": "911.11",
              "annual_pct": "3.60",
              "interest_base": "911.11",
              "interest": "2.73",
              "normal": "913.84",
              "normal_principal": "911.11",
              "after_normal": "0.00",
              "requested_extra": "0.00",
              "extra": "0.00",
              "unused_extra": "0.00",
              "fee": "0.00",
              "cash": "913.84",
              "closing": "0.00",
              "previous_end": 49,
              "planned_end": 49,
              "next_payment_or_q": "6565.16",
              "mode": null
            }
          ],
          "skipped_events": [],
          "payoff_month": 49,
          "total_normal_principal": "289345.76",
          "total_extra": "70654.24",
          "total_principal": "360000.00",
          "total_interest": "26695.76",
          "total_fees": "0.00",
          "total_cash": "386695.76",
          "unused_extra": "0.00"
        },
        "minimum_cash": "30000.00",
        "end_cash": "30000.00",
        "events": [
          {
            "month": 12,
            "amount": "40218.08",
            "mode": "shorten",
            "fee": 0
          },
          {
            "month": 24,
            "amount": "218.08",
            "mode": "shorten",
            "fee": 0
          },
          {
            "month": 36,
            "amount": "30218.08",
            "mode": "shorten",
            "fee": 0
          }
        ],
        "cash_totals": {
          "income": "540000.00",
          "living": "288000.00",
          "normal": "236345.76",
          "bonus": "115000.00",
          "annual_cost": "60000.00",
          "extra": "70654.24"
        },
        "total_extra_36": "70654.24"
      }
    }
  },
  "DJ2-005": {
    "input": {
      "principal": 10000,
      "annual_pct": "12",
      "months": 6,
      "events": [
        {
          "month": 2,
          "amount": 9000,
          "mode": "shorten",
          "fee": 0
        },
        {
          "month": 4,
          "amount": 2000,
          "mode": "shorten",
          "fee": 0
        }
      ],
      "opening_cash": 15000,
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "method": "annuity"
    },
    "outputs": {
      "plan": {
        "rows": [
          {
            "month": 1,
            "opening": "10000.00",
            "annual_pct": "12.00",
            "interest_base": "10000.00",
            "interest": "100.00",
            "normal": "1725.48",
            "normal_principal": "1625.48",
            "after_normal": "8374.52",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "1725.48",
            "closing": "8374.52",
            "previous_end": 6,
            "planned_end": 6,
            "next_payment_or_q": "1725.48",
            "mode": null
          },
          {
            "month": 2,
            "opening": "8374.52",
            "annual_pct": "12.00",
            "interest_base": "8374.52",
            "interest": "83.75",
            "normal": "1725.48",
            "normal_principal": "1641.73",
            "after_normal": "6732.79",
            "requested_extra": "9000.00",
            "extra": "6732.79",
            "unused_extra": "2267.21",
            "fee": "0.00",
            "cash": "8458.27",
            "closing": "0.00",
            "previous_end": 6,
            "planned_end": 2,
            "next_payment_or_q": "1725.48",
            "mode": "shorten"
          }
        ],
        "skipped_events": [
          {
            "month": 4,
            "requested_extra": "2000.00",
            "extra": "0.00",
            "unused_extra": "2000.00",
            "fee": "0.00"
          }
        ],
        "payoff_month": 2,
        "total_normal_principal": "3267.21",
        "total_extra": "6732.79",
        "total_principal": "10000.00",
        "total_interest": "183.75",
        "total_fees": "0.00",
        "total_cash": "10183.75",
        "unused_extra": "4267.21"
      },
      "cash_after_payoff": "4816.25",
      "wrong_cash_if_all_requested_debited": "549.04"
    }
  },
  "DJ2-006": {
    "input": {
      "principal": 120000,
      "annual_pct": "6",
      "months": 24,
      "events": [
        {
          "month": 3,
          "amount": 30000,
          "mode": "reduce",
          "fee": 900
        }
      ],
      "fee_rule": "构造：max(300元,实际额外还本的3%)，额外还本同月另付",
      "comparison_fees": [
        0,
        900,
        10000
      ],
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "method": "annuity",
      "baseline_events": []
    },
    "outputs": {
      "baseline": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "6.00",
            "interest_base": "120000.00",
            "interest": "600.00",
            "normal": "5318.47",
            "normal_principal": "4718.47",
            "after_normal": "115281.53",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "115281.53",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115281.53",
            "annual_pct": "6.00",
            "interest_base": "115281.53",
            "interest": "576.41",
            "normal": "5318.47",
            "normal_principal": "4742.06",
            "after_normal": "110539.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "110539.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110539.47",
            "annual_pct": "6.00",
            "interest_base": "110539.47",
            "interest": "552.70",
            "normal": "5318.47",
            "normal_principal": "4765.77",
            "after_normal": "105773.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "105773.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105773.70",
            "annual_pct": "6.00",
            "interest_base": "105773.70",
            "interest": "528.87",
            "normal": "5318.47",
            "normal_principal": "4789.60",
            "after_normal": "100984.10",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "100984.10",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 5,
            "opening": "100984.10",
            "annual_pct": "6.00",
            "interest_base": "100984.10",
            "interest": "504.92",
            "normal": "5318.47",
            "normal_principal": "4813.55",
            "after_normal": "96170.55",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "96170.55",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 6,
            "opening": "96170.55",
            "annual_pct": "6.00",
            "interest_base": "96170.55",
            "interest": "480.85",
            "normal": "5318.47",
            "normal_principal": "4837.62",
            "after_normal": "91332.93",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "91332.93",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 7,
            "opening": "91332.93",
            "annual_pct": "6.00",
            "interest_base": "91332.93",
            "interest": "456.66",
            "normal": "5318.47",
            "normal_principal": "4861.81",
            "after_normal": "86471.12",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "86471.12",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 8,
            "opening": "86471.12",
            "annual_pct": "6.00",
            "interest_base": "86471.12",
            "interest": "432.36",
            "normal": "5318.47",
            "normal_principal": "4886.11",
            "after_normal": "81585.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "81585.01",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 9,
            "opening": "81585.01",
            "annual_pct": "6.00",
            "interest_base": "81585.01",
            "interest": "407.93",
            "normal": "5318.47",
            "normal_principal": "4910.54",
            "after_normal": "76674.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "76674.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 10,
            "opening": "76674.47",
            "annual_pct": "6.00",
            "interest_base": "76674.47",
            "interest": "383.37",
            "normal": "5318.47",
            "normal_principal": "4935.10",
            "after_normal": "71739.37",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "71739.37",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 11,
            "opening": "71739.37",
            "annual_pct": "6.00",
            "interest_base": "71739.37",
            "interest": "358.70",
            "normal": "5318.47",
            "normal_principal": "4959.77",
            "after_normal": "66779.60",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "66779.60",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 12,
            "opening": "66779.60",
            "annual_pct": "6.00",
            "interest_base": "66779.60",
            "interest": "333.90",
            "normal": "5318.47",
            "normal_principal": "4984.57",
            "after_normal": "61795.03",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "61795.03",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 13,
            "opening": "61795.03",
            "annual_pct": "6.00",
            "interest_base": "61795.03",
            "interest": "308.98",
            "normal": "5318.47",
            "normal_principal": "5009.49",
            "after_normal": "56785.54",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "56785.54",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 14,
            "opening": "56785.54",
            "annual_pct": "6.00",
            "interest_base": "56785.54",
            "interest": "283.93",
            "normal": "5318.47",
            "normal_principal": "5034.54",
            "after_normal": "51751.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "51751.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 15,
            "opening": "51751.00",
            "annual_pct": "6.00",
            "interest_base": "51751.00",
            "interest": "258.76",
            "normal": "5318.47",
            "normal_principal": "5059.71",
            "after_normal": "46691.29",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "46691.29",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 16,
            "opening": "46691.29",
            "annual_pct": "6.00",
            "interest_base": "46691.29",
            "interest": "233.46",
            "normal": "5318.47",
            "normal_principal": "5085.01",
            "after_normal": "41606.28",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "41606.28",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 17,
            "opening": "41606.28",
            "annual_pct": "6.00",
            "interest_base": "41606.28",
            "interest": "208.03",
            "normal": "5318.47",
            "normal_principal": "5110.44",
            "after_normal": "36495.84",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "36495.84",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 18,
            "opening": "36495.84",
            "annual_pct": "6.00",
            "interest_base": "36495.84",
            "interest": "182.48",
            "normal": "5318.47",
            "normal_principal": "5135.99",
            "after_normal": "31359.85",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "31359.85",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 19,
            "opening": "31359.85",
            "annual_pct": "6.00",
            "interest_base": "31359.85",
            "interest": "156.80",
            "normal": "5318.47",
            "normal_principal": "5161.67",
            "after_normal": "26198.18",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "26198.18",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 20,
            "opening": "26198.18",
            "annual_pct": "6.00",
            "interest_base": "26198.18",
            "interest": "130.99",
            "normal": "5318.47",
            "normal_principal": "5187.48",
            "after_normal": "21010.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "21010.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 21,
            "opening": "21010.70",
            "annual_pct": "6.00",
            "interest_base": "21010.70",
            "interest": "105.05",
            "normal": "5318.47",
            "normal_principal": "5213.42",
            "after_normal": "15797.28",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "15797.28",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 22,
            "opening": "15797.28",
            "annual_pct": "6.00",
            "interest_base": "15797.28",
            "interest": "78.99",
            "normal": "5318.47",
            "normal_principal": "5239.48",
            "after_normal": "10557.80",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "10557.80",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 23,
            "opening": "10557.80",
            "annual_pct": "6.00",
            "interest_base": "10557.80",
            "interest": "52.79",
            "normal": "5318.47",
            "normal_principal": "5265.68",
            "after_normal": "5292.12",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "5292.12",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 24,
            "opening": "5292.12",
            "annual_pct": "6.00",
            "interest_base": "5292.12",
            "interest": "26.46",
            "normal": "5318.58",
            "normal_principal": "5292.12",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.58",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "120000.00",
        "total_extra": "0.00",
        "total_principal": "120000.00",
        "total_interest": "7643.39",
        "total_fees": "0.00",
        "total_cash": "127643.39",
        "unused_extra": "0.00"
      },
      "event_plan": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "6.00",
            "interest_base": "120000.00",
            "interest": "600.00",
            "normal": "5318.47",
            "normal_principal": "4718.47",
            "after_normal": "115281.53",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "115281.53",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115281.53",
            "annual_pct": "6.00",
            "interest_base": "115281.53",
            "interest": "576.41",
            "normal": "5318.47",
            "normal_principal": "4742.06",
            "after_normal": "110539.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "110539.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110539.47",
            "annual_pct": "6.00",
            "interest_base": "110539.47",
            "interest": "552.70",
            "normal": "5318.47",
            "normal_principal": "4765.77",
            "after_normal": "105773.70",
            "requested_extra": "30000.00",
            "extra": "30000.00",
            "unused_extra": "0.00",
            "fee": "900.00",
            "cash": "36218.47",
            "closing": "75773.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": "reduce"
          },
          {
            "month": 4,
            "opening": "75773.70",
            "annual_pct": "6.00",
            "interest_base": "75773.70",
            "interest": "378.87",
            "normal": "3810.03",
            "normal_principal": "3431.16",
            "after_normal": "72342.54",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "72342.54",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 5,
            "opening": "72342.54",
            "annual_pct": "6.00",
            "interest_base": "72342.54",
            "interest": "361.71",
            "normal": "3810.03",
            "normal_principal": "3448.32",
            "after_normal": "68894.22",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "68894.22",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 6,
            "opening": "68894.22",
            "annual_pct": "6.00",
            "interest_base": "68894.22",
            "interest": "344.47",
            "normal": "3810.03",
            "normal_principal": "3465.56",
            "after_normal": "65428.66",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "65428.66",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 7,
            "opening": "65428.66",
            "annual_pct": "6.00",
            "interest_base": "65428.66",
            "interest": "327.14",
            "normal": "3810.03",
            "normal_principal": "3482.89",
            "after_normal": "61945.77",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "61945.77",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 8,
            "opening": "61945.77",
            "annual_pct": "6.00",
            "interest_base": "61945.77",
            "interest": "309.73",
            "normal": "3810.03",
            "normal_principal": "3500.30",
            "after_normal": "58445.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "58445.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 9,
            "opening": "58445.47",
            "annual_pct": "6.00",
            "interest_base": "58445.47",
            "interest": "292.23",
            "normal": "3810.03",
            "normal_principal": "3517.80",
            "after_normal": "54927.67",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "54927.67",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 10,
            "opening": "54927.67",
            "annual_pct": "6.00",
            "interest_base": "54927.67",
            "interest": "274.64",
            "normal": "3810.03",
            "normal_principal": "3535.39",
            "after_normal": "51392.28",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "51392.28",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 11,
            "opening": "51392.28",
            "annual_pct": "6.00",
            "interest_base": "51392.28",
            "interest": "256.96",
            "normal": "3810.03",
            "normal_principal": "3553.07",
            "after_normal": "47839.21",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "47839.21",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 12,
            "opening": "47839.21",
            "annual_pct": "6.00",
            "interest_base": "47839.21",
            "interest": "239.20",
            "normal": "3810.03",
            "normal_principal": "3570.83",
            "after_normal": "44268.38",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "44268.38",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 13,
            "opening": "44268.38",
            "annual_pct": "6.00",
            "interest_base": "44268.38",
            "interest": "221.34",
            "normal": "3810.03",
            "normal_principal": "3588.69",
            "after_normal": "40679.69",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "40679.69",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 14,
            "opening": "40679.69",
            "annual_pct": "6.00",
            "interest_base": "40679.69",
            "interest": "203.40",
            "normal": "3810.03",
            "normal_principal": "3606.63",
            "after_normal": "37073.06",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "37073.06",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 15,
            "opening": "37073.06",
            "annual_pct": "6.00",
            "interest_base": "37073.06",
            "interest": "185.37",
            "normal": "3810.03",
            "normal_principal": "3624.66",
            "after_normal": "33448.40",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "33448.40",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 16,
            "opening": "33448.40",
            "annual_pct": "6.00",
            "interest_base": "33448.40",
            "interest": "167.24",
            "normal": "3810.03",
            "normal_principal": "3642.79",
            "after_normal": "29805.61",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "29805.61",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 17,
            "opening": "29805.61",
            "annual_pct": "6.00",
            "interest_base": "29805.61",
            "interest": "149.03",
            "normal": "3810.03",
            "normal_principal": "3661.00",
            "after_normal": "26144.61",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "26144.61",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 18,
            "opening": "26144.61",
            "annual_pct": "6.00",
            "interest_base": "26144.61",
            "interest": "130.72",
            "normal": "3810.03",
            "normal_principal": "3679.31",
            "after_normal": "22465.30",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "22465.30",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 19,
            "opening": "22465.30",
            "annual_pct": "6.00",
            "interest_base": "22465.30",
            "interest": "112.33",
            "normal": "3810.03",
            "normal_principal": "3697.70",
            "after_normal": "18767.60",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "18767.60",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 20,
            "opening": "18767.60",
            "annual_pct": "6.00",
            "interest_base": "18767.60",
            "interest": "93.84",
            "normal": "3810.03",
            "normal_principal": "3716.19",
            "after_normal": "15051.41",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "15051.41",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 21,
            "opening": "15051.41",
            "annual_pct": "6.00",
            "interest_base": "15051.41",
            "interest": "75.26",
            "normal": "3810.03",
            "normal_principal": "3734.77",
            "after_normal": "11316.64",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "11316.64",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 22,
            "opening": "11316.64",
            "annual_pct": "6.00",
            "interest_base": "11316.64",
            "interest": "56.58",
            "normal": "3810.03",
            "normal_principal": "3753.45",
            "after_normal": "7563.19",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "7563.19",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 23,
            "opening": "7563.19",
            "annual_pct": "6.00",
            "interest_base": "7563.19",
            "interest": "37.82",
            "normal": "3810.03",
            "normal_principal": "3772.21",
            "after_normal": "3790.98",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3810.03",
            "closing": "3790.98",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          },
          {
            "month": 24,
            "opening": "3790.98",
            "annual_pct": "6.00",
            "interest_base": "3790.98",
            "interest": "18.95",
            "normal": "3809.93",
            "normal_principal": "3790.98",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3809.93",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3810.03",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "90000.00",
        "total_extra": "30000.00",
        "total_principal": "120000.00",
        "total_interest": "5965.94",
        "total_fees": "900.00",
        "total_cash": "126865.94",
        "unused_extra": "0.00"
      },
      "monthly_comparison": [
        {
          "month": 1,
          "baseline_interest": "600.00",
          "event_interest": "600.00",
          "interest_difference": "0.00",
          "cumulative_difference": "0.00",
          "net_after_fee": "-900.00"
        },
        {
          "month": 2,
          "baseline_interest": "576.41",
          "event_interest": "576.41",
          "interest_difference": "0.00",
          "cumulative_difference": "0.00",
          "net_after_fee": "-900.00"
        },
        {
          "month": 3,
          "baseline_interest": "552.70",
          "event_interest": "552.70",
          "interest_difference": "0.00",
          "cumulative_difference": "0.00",
          "net_after_fee": "-900.00"
        },
        {
          "month": 4,
          "baseline_interest": "528.87",
          "event_interest": "378.87",
          "interest_difference": "150.00",
          "cumulative_difference": "150.00",
          "net_after_fee": "-750.00"
        },
        {
          "month": 5,
          "baseline_interest": "504.92",
          "event_interest": "361.71",
          "interest_difference": "143.21",
          "cumulative_difference": "293.21",
          "net_after_fee": "-606.79"
        },
        {
          "month": 6,
          "baseline_interest": "480.85",
          "event_interest": "344.47",
          "interest_difference": "136.38",
          "cumulative_difference": "429.59",
          "net_after_fee": "-470.41"
        },
        {
          "month": 7,
          "baseline_interest": "456.66",
          "event_interest": "327.14",
          "interest_difference": "129.52",
          "cumulative_difference": "559.11",
          "net_after_fee": "-340.89"
        },
        {
          "month": 8,
          "baseline_interest": "432.36",
          "event_interest": "309.73",
          "interest_difference": "122.63",
          "cumulative_difference": "681.74",
          "net_after_fee": "-218.26"
        },
        {
          "month": 9,
          "baseline_interest": "407.93",
          "event_interest": "292.23",
          "interest_difference": "115.70",
          "cumulative_difference": "797.44",
          "net_after_fee": "-102.56"
        },
        {
          "month": 10,
          "baseline_interest": "383.37",
          "event_interest": "274.64",
          "interest_difference": "108.73",
          "cumulative_difference": "906.17",
          "net_after_fee": "6.17"
        },
        {
          "month": 11,
          "baseline_interest": "358.70",
          "event_interest": "256.96",
          "interest_difference": "101.74",
          "cumulative_difference": "1007.91",
          "net_after_fee": "107.91"
        },
        {
          "month": 12,
          "baseline_interest": "333.90",
          "event_interest": "239.20",
          "interest_difference": "94.70",
          "cumulative_difference": "1102.61",
          "net_after_fee": "202.61"
        },
        {
          "month": 13,
          "baseline_interest": "308.98",
          "event_interest": "221.34",
          "interest_difference": "87.64",
          "cumulative_difference": "1190.25",
          "net_after_fee": "290.25"
        },
        {
          "month": 14,
          "baseline_interest": "283.93",
          "event_interest": "203.40",
          "interest_difference": "80.53",
          "cumulative_difference": "1270.78",
          "net_after_fee": "370.78"
        },
        {
          "month": 15,
          "baseline_interest": "258.76",
          "event_interest": "185.37",
          "interest_difference": "73.39",
          "cumulative_difference": "1344.17",
          "net_after_fee": "444.17"
        },
        {
          "month": 16,
          "baseline_interest": "233.46",
          "event_interest": "167.24",
          "interest_difference": "66.22",
          "cumulative_difference": "1410.39",
          "net_after_fee": "510.39"
        },
        {
          "month": 17,
          "baseline_interest": "208.03",
          "event_interest": "149.03",
          "interest_difference": "59.00",
          "cumulative_difference": "1469.39",
          "net_after_fee": "569.39"
        },
        {
          "month": 18,
          "baseline_interest": "182.48",
          "event_interest": "130.72",
          "interest_difference": "51.76",
          "cumulative_difference": "1521.15",
          "net_after_fee": "621.15"
        },
        {
          "month": 19,
          "baseline_interest": "156.80",
          "event_interest": "112.33",
          "interest_difference": "44.47",
          "cumulative_difference": "1565.62",
          "net_after_fee": "665.62"
        },
        {
          "month": 20,
          "baseline_interest": "130.99",
          "event_interest": "93.84",
          "interest_difference": "37.15",
          "cumulative_difference": "1602.77",
          "net_after_fee": "702.77"
        },
        {
          "month": 21,
          "baseline_interest": "105.05",
          "event_interest": "75.26",
          "interest_difference": "29.79",
          "cumulative_difference": "1632.56",
          "net_after_fee": "732.56"
        },
        {
          "month": 22,
          "baseline_interest": "78.99",
          "event_interest": "56.58",
          "interest_difference": "22.41",
          "cumulative_difference": "1654.97",
          "net_after_fee": "754.97"
        },
        {
          "month": 23,
          "baseline_interest": "52.79",
          "event_interest": "37.82",
          "interest_difference": "14.97",
          "cumulative_difference": "1669.94",
          "net_after_fee": "769.94"
        },
        {
          "month": 24,
          "baseline_interest": "26.46",
          "event_interest": "18.95",
          "interest_difference": "7.51",
          "cumulative_difference": "1677.45",
          "net_after_fee": "777.45"
        }
      ],
      "thresholds": [
        {
          "fee": "0.00",
          "first_month": 3,
          "lifetime_net": "1677.45"
        },
        {
          "fee": "900.00",
          "first_month": 10,
          "lifetime_net": "777.45"
        },
        {
          "fee": "10000.00",
          "first_month": null,
          "lifetime_net": "-8322.55"
        }
      ]
    }
  },
  "DJ2-007": {
    "input": {
      "principal": 120000,
      "annual_pct": "6",
      "months": 24,
      "planned_events": [
        {
          "month": 4,
          "amount": 20000,
          "mode": "shorten",
          "fee": 0
        },
        {
          "month": 10,
          "amount": 10000,
          "mode": "reduce",
          "fee": 0
        }
      ],
      "delayed_events": [
        {
          "month": 7,
          "amount": 20000,
          "mode": "shorten",
          "fee": 0
        },
        {
          "month": 10,
          "amount": 10000,
          "mode": "reduce",
          "fee": 0
        }
      ],
      "cancelled_events": [
        {
          "month": 10,
          "amount": 10000,
          "mode": "reduce",
          "fee": 0
        }
      ],
      "cash_interest": 0,
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "method": "annuity",
      "baseline_events": []
    },
    "outputs": {
      "baseline": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "6.00",
            "interest_base": "120000.00",
            "interest": "600.00",
            "normal": "5318.47",
            "normal_principal": "4718.47",
            "after_normal": "115281.53",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "115281.53",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115281.53",
            "annual_pct": "6.00",
            "interest_base": "115281.53",
            "interest": "576.41",
            "normal": "5318.47",
            "normal_principal": "4742.06",
            "after_normal": "110539.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "110539.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110539.47",
            "annual_pct": "6.00",
            "interest_base": "110539.47",
            "interest": "552.70",
            "normal": "5318.47",
            "normal_principal": "4765.77",
            "after_normal": "105773.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "105773.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105773.70",
            "annual_pct": "6.00",
            "interest_base": "105773.70",
            "interest": "528.87",
            "normal": "5318.47",
            "normal_principal": "4789.60",
            "after_normal": "100984.10",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "100984.10",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 5,
            "opening": "100984.10",
            "annual_pct": "6.00",
            "interest_base": "100984.10",
            "interest": "504.92",
            "normal": "5318.47",
            "normal_principal": "4813.55",
            "after_normal": "96170.55",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "96170.55",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 6,
            "opening": "96170.55",
            "annual_pct": "6.00",
            "interest_base": "96170.55",
            "interest": "480.85",
            "normal": "5318.47",
            "normal_principal": "4837.62",
            "after_normal": "91332.93",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "91332.93",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 7,
            "opening": "91332.93",
            "annual_pct": "6.00",
            "interest_base": "91332.93",
            "interest": "456.66",
            "normal": "5318.47",
            "normal_principal": "4861.81",
            "after_normal": "86471.12",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "86471.12",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 8,
            "opening": "86471.12",
            "annual_pct": "6.00",
            "interest_base": "86471.12",
            "interest": "432.36",
            "normal": "5318.47",
            "normal_principal": "4886.11",
            "after_normal": "81585.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "81585.01",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 9,
            "opening": "81585.01",
            "annual_pct": "6.00",
            "interest_base": "81585.01",
            "interest": "407.93",
            "normal": "5318.47",
            "normal_principal": "4910.54",
            "after_normal": "76674.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "76674.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 10,
            "opening": "76674.47",
            "annual_pct": "6.00",
            "interest_base": "76674.47",
            "interest": "383.37",
            "normal": "5318.47",
            "normal_principal": "4935.10",
            "after_normal": "71739.37",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "71739.37",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 11,
            "opening": "71739.37",
            "annual_pct": "6.00",
            "interest_base": "71739.37",
            "interest": "358.70",
            "normal": "5318.47",
            "normal_principal": "4959.77",
            "after_normal": "66779.60",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "66779.60",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 12,
            "opening": "66779.60",
            "annual_pct": "6.00",
            "interest_base": "66779.60",
            "interest": "333.90",
            "normal": "5318.47",
            "normal_principal": "4984.57",
            "after_normal": "61795.03",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "61795.03",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 13,
            "opening": "61795.03",
            "annual_pct": "6.00",
            "interest_base": "61795.03",
            "interest": "308.98",
            "normal": "5318.47",
            "normal_principal": "5009.49",
            "after_normal": "56785.54",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "56785.54",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 14,
            "opening": "56785.54",
            "annual_pct": "6.00",
            "interest_base": "56785.54",
            "interest": "283.93",
            "normal": "5318.47",
            "normal_principal": "5034.54",
            "after_normal": "51751.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "51751.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 15,
            "opening": "51751.00",
            "annual_pct": "6.00",
            "interest_base": "51751.00",
            "interest": "258.76",
            "normal": "5318.47",
            "normal_principal": "5059.71",
            "after_normal": "46691.29",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "46691.29",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 16,
            "opening": "46691.29",
            "annual_pct": "6.00",
            "interest_base": "46691.29",
            "interest": "233.46",
            "normal": "5318.47",
            "normal_principal": "5085.01",
            "after_normal": "41606.28",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "41606.28",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 17,
            "opening": "41606.28",
            "annual_pct": "6.00",
            "interest_base": "41606.28",
            "interest": "208.03",
            "normal": "5318.47",
            "normal_principal": "5110.44",
            "after_normal": "36495.84",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "36495.84",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 18,
            "opening": "36495.84",
            "annual_pct": "6.00",
            "interest_base": "36495.84",
            "interest": "182.48",
            "normal": "5318.47",
            "normal_principal": "5135.99",
            "after_normal": "31359.85",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "31359.85",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 19,
            "opening": "31359.85",
            "annual_pct": "6.00",
            "interest_base": "31359.85",
            "interest": "156.80",
            "normal": "5318.47",
            "normal_principal": "5161.67",
            "after_normal": "26198.18",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "26198.18",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 20,
            "opening": "26198.18",
            "annual_pct": "6.00",
            "interest_base": "26198.18",
            "interest": "130.99",
            "normal": "5318.47",
            "normal_principal": "5187.48",
            "after_normal": "21010.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "21010.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 21,
            "opening": "21010.70",
            "annual_pct": "6.00",
            "interest_base": "21010.70",
            "interest": "105.05",
            "normal": "5318.47",
            "normal_principal": "5213.42",
            "after_normal": "15797.28",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "15797.28",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 22,
            "opening": "15797.28",
            "annual_pct": "6.00",
            "interest_base": "15797.28",
            "interest": "78.99",
            "normal": "5318.47",
            "normal_principal": "5239.48",
            "after_normal": "10557.80",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "10557.80",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 23,
            "opening": "10557.80",
            "annual_pct": "6.00",
            "interest_base": "10557.80",
            "interest": "52.79",
            "normal": "5318.47",
            "normal_principal": "5265.68",
            "after_normal": "5292.12",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "5292.12",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 24,
            "opening": "5292.12",
            "annual_pct": "6.00",
            "interest_base": "5292.12",
            "interest": "26.46",
            "normal": "5318.58",
            "normal_principal": "5292.12",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.58",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "120000.00",
        "total_extra": "0.00",
        "total_principal": "120000.00",
        "total_interest": "7643.39",
        "total_fees": "0.00",
        "total_cash": "127643.39",
        "unused_extra": "0.00"
      },
      "planned": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "6.00",
            "interest_base": "120000.00",
            "interest": "600.00",
            "normal": "5318.47",
            "normal_principal": "4718.47",
            "after_normal": "115281.53",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "115281.53",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115281.53",
            "annual_pct": "6.00",
            "interest_base": "115281.53",
            "interest": "576.41",
            "normal": "5318.47",
            "normal_principal": "4742.06",
            "after_normal": "110539.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "110539.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110539.47",
            "annual_pct": "6.00",
            "interest_base": "110539.47",
            "interest": "552.70",
            "normal": "5318.47",
            "normal_principal": "4765.77",
            "after_normal": "105773.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "105773.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105773.70",
            "annual_pct": "6.00",
            "interest_base": "105773.70",
            "interest": "528.87",
            "normal": "5318.47",
            "normal_principal": "4789.60",
            "after_normal": "100984.10",
            "requested_extra": "20000.00",
            "extra": "20000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "25318.47",
            "closing": "80984.10",
            "previous_end": 24,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": "shorten"
          },
          {
            "month": 5,
            "opening": "80984.10",
            "annual_pct": "6.00",
            "interest_base": "80984.10",
            "interest": "404.92",
            "normal": "5318.47",
            "normal_principal": "4913.55",
            "after_normal": "76070.55",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "76070.55",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 6,
            "opening": "76070.55",
            "annual_pct": "6.00",
            "interest_base": "76070.55",
            "interest": "380.35",
            "normal": "5318.47",
            "normal_principal": "4938.12",
            "after_normal": "71132.43",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "71132.43",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 7,
            "opening": "71132.43",
            "annual_pct": "6.00",
            "interest_base": "71132.43",
            "interest": "355.66",
            "normal": "5318.47",
            "normal_principal": "4962.81",
            "after_normal": "66169.62",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "66169.62",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 8,
            "opening": "66169.62",
            "annual_pct": "6.00",
            "interest_base": "66169.62",
            "interest": "330.85",
            "normal": "5318.47",
            "normal_principal": "4987.62",
            "after_normal": "61182.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "61182.00",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 9,
            "opening": "61182.00",
            "annual_pct": "6.00",
            "interest_base": "61182.00",
            "interest": "305.91",
            "normal": "5318.47",
            "normal_principal": "5012.56",
            "after_normal": "56169.44",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "56169.44",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 10,
            "opening": "56169.44",
            "annual_pct": "6.00",
            "interest_base": "56169.44",
            "interest": "280.85",
            "normal": "5318.47",
            "normal_principal": "5037.62",
            "after_normal": "51131.82",
            "requested_extra": "10000.00",
            "extra": "10000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "15318.47",
            "closing": "41131.82",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": "reduce"
          },
          {
            "month": 11,
            "opening": "41131.82",
            "annual_pct": "6.00",
            "interest_base": "41131.82",
            "interest": "205.66",
            "normal": "4227.14",
            "normal_principal": "4021.48",
            "after_normal": "37110.34",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "37110.34",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 12,
            "opening": "37110.34",
            "annual_pct": "6.00",
            "interest_base": "37110.34",
            "interest": "185.55",
            "normal": "4227.14",
            "normal_principal": "4041.59",
            "after_normal": "33068.75",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "33068.75",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 13,
            "opening": "33068.75",
            "annual_pct": "6.00",
            "interest_base": "33068.75",
            "interest": "165.34",
            "normal": "4227.14",
            "normal_principal": "4061.80",
            "after_normal": "29006.95",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "29006.95",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 14,
            "opening": "29006.95",
            "annual_pct": "6.00",
            "interest_base": "29006.95",
            "interest": "145.03",
            "normal": "4227.14",
            "normal_principal": "4082.11",
            "after_normal": "24924.84",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "24924.84",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 15,
            "opening": "24924.84",
            "annual_pct": "6.00",
            "interest_base": "24924.84",
            "interest": "124.62",
            "normal": "4227.14",
            "normal_principal": "4102.52",
            "after_normal": "20822.32",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "20822.32",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 16,
            "opening": "20822.32",
            "annual_pct": "6.00",
            "interest_base": "20822.32",
            "interest": "104.11",
            "normal": "4227.14",
            "normal_principal": "4123.03",
            "after_normal": "16699.29",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "16699.29",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 17,
            "opening": "16699.29",
            "annual_pct": "6.00",
            "interest_base": "16699.29",
            "interest": "83.50",
            "normal": "4227.14",
            "normal_principal": "4143.64",
            "after_normal": "12555.65",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "12555.65",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 18,
            "opening": "12555.65",
            "annual_pct": "6.00",
            "interest_base": "12555.65",
            "interest": "62.78",
            "normal": "4227.14",
            "normal_principal": "4164.36",
            "after_normal": "8391.29",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "8391.29",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 19,
            "opening": "8391.29",
            "annual_pct": "6.00",
            "interest_base": "8391.29",
            "interest": "41.96",
            "normal": "4227.14",
            "normal_principal": "4185.18",
            "after_normal": "4206.11",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "4206.11",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          },
          {
            "month": 20,
            "opening": "4206.11",
            "annual_pct": "6.00",
            "interest_base": "4206.11",
            "interest": "21.03",
            "normal": "4227.14",
            "normal_principal": "4206.11",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4227.14",
            "closing": "0.00",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4227.14",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 20,
        "total_normal_principal": "90000.00",
        "total_extra": "30000.00",
        "total_principal": "120000.00",
        "total_interest": "5456.10",
        "total_fees": "0.00",
        "total_cash": "125456.10",
        "unused_extra": "0.00"
      },
      "delayed": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "6.00",
            "interest_base": "120000.00",
            "interest": "600.00",
            "normal": "5318.47",
            "normal_principal": "4718.47",
            "after_normal": "115281.53",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "115281.53",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115281.53",
            "annual_pct": "6.00",
            "interest_base": "115281.53",
            "interest": "576.41",
            "normal": "5318.47",
            "normal_principal": "4742.06",
            "after_normal": "110539.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "110539.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110539.47",
            "annual_pct": "6.00",
            "interest_base": "110539.47",
            "interest": "552.70",
            "normal": "5318.47",
            "normal_principal": "4765.77",
            "after_normal": "105773.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "105773.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105773.70",
            "annual_pct": "6.00",
            "interest_base": "105773.70",
            "interest": "528.87",
            "normal": "5318.47",
            "normal_principal": "4789.60",
            "after_normal": "100984.10",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "100984.10",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 5,
            "opening": "100984.10",
            "annual_pct": "6.00",
            "interest_base": "100984.10",
            "interest": "504.92",
            "normal": "5318.47",
            "normal_principal": "4813.55",
            "after_normal": "96170.55",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "96170.55",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 6,
            "opening": "96170.55",
            "annual_pct": "6.00",
            "interest_base": "96170.55",
            "interest": "480.85",
            "normal": "5318.47",
            "normal_principal": "4837.62",
            "after_normal": "91332.93",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "91332.93",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 7,
            "opening": "91332.93",
            "annual_pct": "6.00",
            "interest_base": "91332.93",
            "interest": "456.66",
            "normal": "5318.47",
            "normal_principal": "4861.81",
            "after_normal": "86471.12",
            "requested_extra": "20000.00",
            "extra": "20000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "25318.47",
            "closing": "66471.12",
            "previous_end": 24,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": "shorten"
          },
          {
            "month": 8,
            "opening": "66471.12",
            "annual_pct": "6.00",
            "interest_base": "66471.12",
            "interest": "332.36",
            "normal": "5318.47",
            "normal_principal": "4986.11",
            "after_normal": "61485.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "61485.01",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 9,
            "opening": "61485.01",
            "annual_pct": "6.00",
            "interest_base": "61485.01",
            "interest": "307.43",
            "normal": "5318.47",
            "normal_principal": "5011.04",
            "after_normal": "56473.97",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "56473.97",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 10,
            "opening": "56473.97",
            "annual_pct": "6.00",
            "interest_base": "56473.97",
            "interest": "282.37",
            "normal": "5318.47",
            "normal_principal": "5036.10",
            "after_normal": "51437.87",
            "requested_extra": "10000.00",
            "extra": "10000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "15318.47",
            "closing": "41437.87",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": "reduce"
          },
          {
            "month": 11,
            "opening": "41437.87",
            "annual_pct": "6.00",
            "interest_base": "41437.87",
            "interest": "207.19",
            "normal": "4258.59",
            "normal_principal": "4051.40",
            "after_normal": "37386.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "37386.47",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 12,
            "opening": "37386.47",
            "annual_pct": "6.00",
            "interest_base": "37386.47",
            "interest": "186.93",
            "normal": "4258.59",
            "normal_principal": "4071.66",
            "after_normal": "33314.81",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "33314.81",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 13,
            "opening": "33314.81",
            "annual_pct": "6.00",
            "interest_base": "33314.81",
            "interest": "166.57",
            "normal": "4258.59",
            "normal_principal": "4092.02",
            "after_normal": "29222.79",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "29222.79",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 14,
            "opening": "29222.79",
            "annual_pct": "6.00",
            "interest_base": "29222.79",
            "interest": "146.11",
            "normal": "4258.59",
            "normal_principal": "4112.48",
            "after_normal": "25110.31",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "25110.31",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 15,
            "opening": "25110.31",
            "annual_pct": "6.00",
            "interest_base": "25110.31",
            "interest": "125.55",
            "normal": "4258.59",
            "normal_principal": "4133.04",
            "after_normal": "20977.27",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "20977.27",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 16,
            "opening": "20977.27",
            "annual_pct": "6.00",
            "interest_base": "20977.27",
            "interest": "104.89",
            "normal": "4258.59",
            "normal_principal": "4153.70",
            "after_normal": "16823.57",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "16823.57",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 17,
            "opening": "16823.57",
            "annual_pct": "6.00",
            "interest_base": "16823.57",
            "interest": "84.12",
            "normal": "4258.59",
            "normal_principal": "4174.47",
            "after_normal": "12649.10",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "12649.10",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 18,
            "opening": "12649.10",
            "annual_pct": "6.00",
            "interest_base": "12649.10",
            "interest": "63.25",
            "normal": "4258.59",
            "normal_principal": "4195.34",
            "after_normal": "8453.76",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "8453.76",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 19,
            "opening": "8453.76",
            "annual_pct": "6.00",
            "interest_base": "8453.76",
            "interest": "42.27",
            "normal": "4258.59",
            "normal_principal": "4216.32",
            "after_normal": "4237.44",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.59",
            "closing": "4237.44",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          },
          {
            "month": 20,
            "opening": "4237.44",
            "annual_pct": "6.00",
            "interest_base": "4237.44",
            "interest": "21.19",
            "normal": "4258.63",
            "normal_principal": "4237.44",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4258.63",
            "closing": "0.00",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4258.59",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 20,
        "total_normal_principal": "90000.00",
        "total_extra": "30000.00",
        "total_principal": "120000.00",
        "total_interest": "5770.64",
        "total_fees": "0.00",
        "total_cash": "125770.64",
        "unused_extra": "0.00"
      },
      "cancelled": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "6.00",
            "interest_base": "120000.00",
            "interest": "600.00",
            "normal": "5318.47",
            "normal_principal": "4718.47",
            "after_normal": "115281.53",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "115281.53",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115281.53",
            "annual_pct": "6.00",
            "interest_base": "115281.53",
            "interest": "576.41",
            "normal": "5318.47",
            "normal_principal": "4742.06",
            "after_normal": "110539.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "110539.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110539.47",
            "annual_pct": "6.00",
            "interest_base": "110539.47",
            "interest": "552.70",
            "normal": "5318.47",
            "normal_principal": "4765.77",
            "after_normal": "105773.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "105773.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 4,
            "opening": "105773.70",
            "annual_pct": "6.00",
            "interest_base": "105773.70",
            "interest": "528.87",
            "normal": "5318.47",
            "normal_principal": "4789.60",
            "after_normal": "100984.10",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "100984.10",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 5,
            "opening": "100984.10",
            "annual_pct": "6.00",
            "interest_base": "100984.10",
            "interest": "504.92",
            "normal": "5318.47",
            "normal_principal": "4813.55",
            "after_normal": "96170.55",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "96170.55",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 6,
            "opening": "96170.55",
            "annual_pct": "6.00",
            "interest_base": "96170.55",
            "interest": "480.85",
            "normal": "5318.47",
            "normal_principal": "4837.62",
            "after_normal": "91332.93",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "91332.93",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 7,
            "opening": "91332.93",
            "annual_pct": "6.00",
            "interest_base": "91332.93",
            "interest": "456.66",
            "normal": "5318.47",
            "normal_principal": "4861.81",
            "after_normal": "86471.12",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "86471.12",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 8,
            "opening": "86471.12",
            "annual_pct": "6.00",
            "interest_base": "86471.12",
            "interest": "432.36",
            "normal": "5318.47",
            "normal_principal": "4886.11",
            "after_normal": "81585.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "81585.01",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 9,
            "opening": "81585.01",
            "annual_pct": "6.00",
            "interest_base": "81585.01",
            "interest": "407.93",
            "normal": "5318.47",
            "normal_principal": "4910.54",
            "after_normal": "76674.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5318.47",
            "closing": "76674.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5318.47",
            "mode": null
          },
          {
            "month": 10,
            "opening": "76674.47",
            "annual_pct": "6.00",
            "interest_base": "76674.47",
            "interest": "383.37",
            "normal": "5318.47",
            "normal_principal": "4935.10",
            "after_normal": "71739.37",
            "requested_extra": "10000.00",
            "extra": "10000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "15318.47",
            "closing": "61739.37",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": "reduce"
          },
          {
            "month": 11,
            "opening": "61739.37",
            "annual_pct": "6.00",
            "interest_base": "61739.37",
            "interest": "308.70",
            "normal": "4577.12",
            "normal_principal": "4268.42",
            "after_normal": "57470.95",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "57470.95",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 12,
            "opening": "57470.95",
            "annual_pct": "6.00",
            "interest_base": "57470.95",
            "interest": "287.35",
            "normal": "4577.12",
            "normal_principal": "4289.77",
            "after_normal": "53181.18",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "53181.18",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 13,
            "opening": "53181.18",
            "annual_pct": "6.00",
            "interest_base": "53181.18",
            "interest": "265.91",
            "normal": "4577.12",
            "normal_principal": "4311.21",
            "after_normal": "48869.97",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "48869.97",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 14,
            "opening": "48869.97",
            "annual_pct": "6.00",
            "interest_base": "48869.97",
            "interest": "244.35",
            "normal": "4577.12",
            "normal_principal": "4332.77",
            "after_normal": "44537.20",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "44537.20",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 15,
            "opening": "44537.20",
            "annual_pct": "6.00",
            "interest_base": "44537.20",
            "interest": "222.69",
            "normal": "4577.12",
            "normal_principal": "4354.43",
            "after_normal": "40182.77",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "40182.77",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 16,
            "opening": "40182.77",
            "annual_pct": "6.00",
            "interest_base": "40182.77",
            "interest": "200.91",
            "normal": "4577.12",
            "normal_principal": "4376.21",
            "after_normal": "35806.56",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "35806.56",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 17,
            "opening": "35806.56",
            "annual_pct": "6.00",
            "interest_base": "35806.56",
            "interest": "179.03",
            "normal": "4577.12",
            "normal_principal": "4398.09",
            "after_normal": "31408.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "31408.47",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 18,
            "opening": "31408.47",
            "annual_pct": "6.00",
            "interest_base": "31408.47",
            "interest": "157.04",
            "normal": "4577.12",
            "normal_principal": "4420.08",
            "after_normal": "26988.39",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "26988.39",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 19,
            "opening": "26988.39",
            "annual_pct": "6.00",
            "interest_base": "26988.39",
            "interest": "134.94",
            "normal": "4577.12",
            "normal_principal": "4442.18",
            "after_normal": "22546.21",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "22546.21",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 20,
            "opening": "22546.21",
            "annual_pct": "6.00",
            "interest_base": "22546.21",
            "interest": "112.73",
            "normal": "4577.12",
            "normal_principal": "4464.39",
            "after_normal": "18081.82",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "18081.82",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 21,
            "opening": "18081.82",
            "annual_pct": "6.00",
            "interest_base": "18081.82",
            "interest": "90.41",
            "normal": "4577.12",
            "normal_principal": "4486.71",
            "after_normal": "13595.11",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "13595.11",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 22,
            "opening": "13595.11",
            "annual_pct": "6.00",
            "interest_base": "13595.11",
            "interest": "67.98",
            "normal": "4577.12",
            "normal_principal": "4509.14",
            "after_normal": "9085.97",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "9085.97",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 23,
            "opening": "9085.97",
            "annual_pct": "6.00",
            "interest_base": "9085.97",
            "interest": "45.43",
            "normal": "4577.12",
            "normal_principal": "4531.69",
            "after_normal": "4554.28",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.12",
            "closing": "4554.28",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          },
          {
            "month": 24,
            "opening": "4554.28",
            "annual_pct": "6.00",
            "interest_base": "4554.28",
            "interest": "22.77",
            "normal": "4577.05",
            "normal_principal": "4554.28",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4577.05",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "4577.12",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "110000.00",
        "total_extra": "10000.00",
        "total_principal": "120000.00",
        "total_interest": "7264.31",
        "total_fees": "0.00",
        "total_cash": "127264.31",
        "unused_extra": "0.00"
      },
      "balance_comparison": [
        {
          "month": 4,
          "planned_balance": "80984.10",
          "delayed_balance": "100984.10",
          "cancelled_balance": "100984.10",
          "delayed_minus_planned": "20000.00",
          "cancelled_minus_planned": "20000.00"
        },
        {
          "month": 7,
          "planned_balance": "66169.62",
          "delayed_balance": "66471.12",
          "cancelled_balance": "86471.12",
          "delayed_minus_planned": "301.50",
          "cancelled_minus_planned": "20301.50"
        },
        {
          "month": 10,
          "planned_balance": "41131.82",
          "delayed_balance": "41437.87",
          "cancelled_balance": "61739.37",
          "delayed_minus_planned": "306.05",
          "cancelled_minus_planned": "20607.55"
        }
      ],
      "interest_savings": {
        "planned": "2187.29",
        "delayed": "1872.75",
        "cancelled": "379.08"
      },
      "delayed_extra_interest": "314.54"
    }
  },
  "DJ2-008": {
    "input": {
      "A": {
        "principal": 120000,
        "annual_pct": "4.8",
        "months": 24,
        "method": "annuity",
        "events": [
          {
            "month": 3,
            "amount": 20000,
            "mode": "shorten",
            "fee": 0
          },
          {
            "month": 8,
            "amount": 5000,
            "mode": "reduce",
            "fee": 0
          }
        ]
      },
      "B": {
        "principal": 80000,
        "annual_pct": "3",
        "months": 24,
        "method": "principal",
        "events": [
          {
            "month": 3,
            "amount": 10000,
            "mode": "reduce",
            "fee": 0
          },
          {
            "month": 8,
            "amount": 5000,
            "mode": "shorten",
            "fee": 0
          }
        ]
      },
      "alternate_A_events": [
        {
          "month": 3,
          "amount": 30000,
          "mode": "shorten",
          "fee": 0
        },
        {
          "month": 8,
          "amount": 10000,
          "mode": "reduce",
          "fee": 0
        }
      ],
      "alternate_B_events": [],
      "fees": 0,
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      }
    },
    "outputs": {
      "A": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "4.80",
            "interest_base": "120000.00",
            "interest": "480.00",
            "normal": "5253.83",
            "normal_principal": "4773.83",
            "after_normal": "115226.17",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "115226.17",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115226.17",
            "annual_pct": "4.80",
            "interest_base": "115226.17",
            "interest": "460.90",
            "normal": "5253.83",
            "normal_principal": "4792.93",
            "after_normal": "110433.24",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "110433.24",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110433.24",
            "annual_pct": "4.80",
            "interest_base": "110433.24",
            "interest": "441.73",
            "normal": "5253.83",
            "normal_principal": "4812.10",
            "after_normal": "105621.14",
            "requested_extra": "20000.00",
            "extra": "20000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "25253.83",
            "closing": "85621.14",
            "previous_end": 24,
            "planned_end": 20,
            "next_payment_or_q": "5253.83",
            "mode": "shorten"
          },
          {
            "month": 4,
            "opening": "85621.14",
            "annual_pct": "4.80",
            "interest_base": "85621.14",
            "interest": "342.48",
            "normal": "5253.83",
            "normal_principal": "4911.35",
            "after_normal": "80709.79",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "80709.79",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 5,
            "opening": "80709.79",
            "annual_pct": "4.80",
            "interest_base": "80709.79",
            "interest": "322.84",
            "normal": "5253.83",
            "normal_principal": "4930.99",
            "after_normal": "75778.80",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "75778.80",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 6,
            "opening": "75778.80",
            "annual_pct": "4.80",
            "interest_base": "75778.80",
            "interest": "303.12",
            "normal": "5253.83",
            "normal_principal": "4950.71",
            "after_normal": "70828.09",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "70828.09",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 7,
            "opening": "70828.09",
            "annual_pct": "4.80",
            "interest_base": "70828.09",
            "interest": "283.31",
            "normal": "5253.83",
            "normal_principal": "4970.52",
            "after_normal": "65857.57",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "65857.57",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 8,
            "opening": "65857.57",
            "annual_pct": "4.80",
            "interest_base": "65857.57",
            "interest": "263.43",
            "normal": "5253.83",
            "normal_principal": "4990.40",
            "after_normal": "60867.17",
            "requested_extra": "5000.00",
            "extra": "5000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "10253.83",
            "closing": "55867.17",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": "reduce"
          },
          {
            "month": 9,
            "opening": "55867.17",
            "annual_pct": "4.80",
            "interest_base": "55867.17",
            "interest": "223.47",
            "normal": "4777.53",
            "normal_principal": "4554.06",
            "after_normal": "51313.11",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "51313.11",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 10,
            "opening": "51313.11",
            "annual_pct": "4.80",
            "interest_base": "51313.11",
            "interest": "205.25",
            "normal": "4777.53",
            "normal_principal": "4572.28",
            "after_normal": "46740.83",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "46740.83",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 11,
            "opening": "46740.83",
            "annual_pct": "4.80",
            "interest_base": "46740.83",
            "interest": "186.96",
            "normal": "4777.53",
            "normal_principal": "4590.57",
            "after_normal": "42150.26",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "42150.26",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 12,
            "opening": "42150.26",
            "annual_pct": "4.80",
            "interest_base": "42150.26",
            "interest": "168.60",
            "normal": "4777.53",
            "normal_principal": "4608.93",
            "after_normal": "37541.33",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "37541.33",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 13,
            "opening": "37541.33",
            "annual_pct": "4.80",
            "interest_base": "37541.33",
            "interest": "150.17",
            "normal": "4777.53",
            "normal_principal": "4627.36",
            "after_normal": "32913.97",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "32913.97",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 14,
            "opening": "32913.97",
            "annual_pct": "4.80",
            "interest_base": "32913.97",
            "interest": "131.66",
            "normal": "4777.53",
            "normal_principal": "4645.87",
            "after_normal": "28268.10",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "28268.10",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 15,
            "opening": "28268.10",
            "annual_pct": "4.80",
            "interest_base": "28268.10",
            "interest": "113.07",
            "normal": "4777.53",
            "normal_principal": "4664.46",
            "after_normal": "23603.64",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "23603.64",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 16,
            "opening": "23603.64",
            "annual_pct": "4.80",
            "interest_base": "23603.64",
            "interest": "94.41",
            "normal": "4777.53",
            "normal_principal": "4683.12",
            "after_normal": "18920.52",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "18920.52",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 17,
            "opening": "18920.52",
            "annual_pct": "4.80",
            "interest_base": "18920.52",
            "interest": "75.68",
            "normal": "4777.53",
            "normal_principal": "4701.85",
            "after_normal": "14218.67",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "14218.67",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 18,
            "opening": "14218.67",
            "annual_pct": "4.80",
            "interest_base": "14218.67",
            "interest": "56.87",
            "normal": "4777.53",
            "normal_principal": "4720.66",
            "after_normal": "9498.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "9498.01",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 19,
            "opening": "9498.01",
            "annual_pct": "4.80",
            "interest_base": "9498.01",
            "interest": "37.99",
            "normal": "4777.53",
            "normal_principal": "4739.54",
            "after_normal": "4758.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.53",
            "closing": "4758.47",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          },
          {
            "month": 20,
            "opening": "4758.47",
            "annual_pct": "4.80",
            "interest_base": "4758.47",
            "interest": "19.03",
            "normal": "4777.50",
            "normal_principal": "4758.47",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4777.50",
            "closing": "0.00",
            "previous_end": 20,
            "planned_end": 20,
            "next_payment_or_q": "4777.53",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 20,
        "total_normal_principal": "95000.00",
        "total_extra": "25000.00",
        "total_principal": "120000.00",
        "total_interest": "4360.97",
        "total_fees": "0.00",
        "total_cash": "124360.97",
        "unused_extra": "0.00"
      },
      "B": {
        "rows": [
          {
            "month": 1,
            "opening": "80000.00",
            "annual_pct": "3.00",
            "interest_base": "80000.00",
            "interest": "200.00",
            "normal": "3533.33",
            "normal_principal": "3333.33",
            "after_normal": "76666.67",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3533.33",
            "closing": "76666.67",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 2,
            "opening": "76666.67",
            "annual_pct": "3.00",
            "interest_base": "76666.67",
            "interest": "191.67",
            "normal": "3525.00",
            "normal_principal": "3333.33",
            "after_normal": "73333.34",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3525.00",
            "closing": "73333.34",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 3,
            "opening": "73333.34",
            "annual_pct": "3.00",
            "interest_base": "73333.34",
            "interest": "183.33",
            "normal": "3516.66",
            "normal_principal": "3333.33",
            "after_normal": "70000.01",
            "requested_extra": "10000.00",
            "extra": "10000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "13516.66",
            "closing": "60000.01",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "2857.14",
            "mode": "reduce"
          },
          {
            "month": 4,
            "opening": "60000.01",
            "annual_pct": "3.00",
            "interest_base": "60000.01",
            "interest": "150.00",
            "normal": "3007.14",
            "normal_principal": "2857.14",
            "after_normal": "57142.87",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3007.14",
            "closing": "57142.87",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 5,
            "opening": "57142.87",
            "annual_pct": "3.00",
            "interest_base": "57142.87",
            "interest": "142.86",
            "normal": "3000.00",
            "normal_principal": "2857.14",
            "after_normal": "54285.73",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3000.00",
            "closing": "54285.73",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 6,
            "opening": "54285.73",
            "annual_pct": "3.00",
            "interest_base": "54285.73",
            "interest": "135.71",
            "normal": "2992.85",
            "normal_principal": "2857.14",
            "after_normal": "51428.59",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2992.85",
            "closing": "51428.59",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 7,
            "opening": "51428.59",
            "annual_pct": "3.00",
            "interest_base": "51428.59",
            "interest": "128.57",
            "normal": "2985.71",
            "normal_principal": "2857.14",
            "after_normal": "48571.45",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2985.71",
            "closing": "48571.45",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 8,
            "opening": "48571.45",
            "annual_pct": "3.00",
            "interest_base": "48571.45",
            "interest": "121.43",
            "normal": "2978.57",
            "normal_principal": "2857.14",
            "after_normal": "45714.31",
            "requested_extra": "5000.00",
            "extra": "5000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "7978.57",
            "closing": "40714.31",
            "previous_end": 24,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": "shorten"
          },
          {
            "month": 9,
            "opening": "40714.31",
            "annual_pct": "3.00",
            "interest_base": "40714.31",
            "interest": "101.79",
            "normal": "2958.93",
            "normal_principal": "2857.14",
            "after_normal": "37857.17",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2958.93",
            "closing": "37857.17",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 10,
            "opening": "37857.17",
            "annual_pct": "3.00",
            "interest_base": "37857.17",
            "interest": "94.64",
            "normal": "2951.78",
            "normal_principal": "2857.14",
            "after_normal": "35000.03",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2951.78",
            "closing": "35000.03",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 11,
            "opening": "35000.03",
            "annual_pct": "3.00",
            "interest_base": "35000.03",
            "interest": "87.50",
            "normal": "2944.64",
            "normal_principal": "2857.14",
            "after_normal": "32142.89",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2944.64",
            "closing": "32142.89",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 12,
            "opening": "32142.89",
            "annual_pct": "3.00",
            "interest_base": "32142.89",
            "interest": "80.36",
            "normal": "2937.50",
            "normal_principal": "2857.14",
            "after_normal": "29285.75",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2937.50",
            "closing": "29285.75",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 13,
            "opening": "29285.75",
            "annual_pct": "3.00",
            "interest_base": "29285.75",
            "interest": "73.21",
            "normal": "2930.35",
            "normal_principal": "2857.14",
            "after_normal": "26428.61",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2930.35",
            "closing": "26428.61",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 14,
            "opening": "26428.61",
            "annual_pct": "3.00",
            "interest_base": "26428.61",
            "interest": "66.07",
            "normal": "2923.21",
            "normal_principal": "2857.14",
            "after_normal": "23571.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2923.21",
            "closing": "23571.47",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 15,
            "opening": "23571.47",
            "annual_pct": "3.00",
            "interest_base": "23571.47",
            "interest": "58.93",
            "normal": "2916.07",
            "normal_principal": "2857.14",
            "after_normal": "20714.33",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2916.07",
            "closing": "20714.33",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 16,
            "opening": "20714.33",
            "annual_pct": "3.00",
            "interest_base": "20714.33",
            "interest": "51.79",
            "normal": "2908.93",
            "normal_principal": "2857.14",
            "after_normal": "17857.19",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2908.93",
            "closing": "17857.19",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 17,
            "opening": "17857.19",
            "annual_pct": "3.00",
            "interest_base": "17857.19",
            "interest": "44.64",
            "normal": "2901.78",
            "normal_principal": "2857.14",
            "after_normal": "15000.05",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2901.78",
            "closing": "15000.05",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 18,
            "opening": "15000.05",
            "annual_pct": "3.00",
            "interest_base": "15000.05",
            "interest": "37.50",
            "normal": "2894.64",
            "normal_principal": "2857.14",
            "after_normal": "12142.91",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2894.64",
            "closing": "12142.91",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 19,
            "opening": "12142.91",
            "annual_pct": "3.00",
            "interest_base": "12142.91",
            "interest": "30.36",
            "normal": "2887.50",
            "normal_principal": "2857.14",
            "after_normal": "9285.77",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2887.50",
            "closing": "9285.77",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 20,
            "opening": "9285.77",
            "annual_pct": "3.00",
            "interest_base": "9285.77",
            "interest": "23.21",
            "normal": "2880.35",
            "normal_principal": "2857.14",
            "after_normal": "6428.63",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2880.35",
            "closing": "6428.63",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 21,
            "opening": "6428.63",
            "annual_pct": "3.00",
            "interest_base": "6428.63",
            "interest": "16.07",
            "normal": "2873.21",
            "normal_principal": "2857.14",
            "after_normal": "3571.49",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2873.21",
            "closing": "3571.49",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 22,
            "opening": "3571.49",
            "annual_pct": "3.00",
            "interest_base": "3571.49",
            "interest": "8.93",
            "normal": "2866.07",
            "normal_principal": "2857.14",
            "after_normal": "714.35",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2866.07",
            "closing": "714.35",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          },
          {
            "month": 23,
            "opening": "714.35",
            "annual_pct": "3.00",
            "interest_base": "714.35",
            "interest": "1.79",
            "normal": "716.14",
            "normal_principal": "714.35",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "716.14",
            "closing": "0.00",
            "previous_end": 23,
            "planned_end": 23,
            "next_payment_or_q": "2857.14",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 23,
        "total_normal_principal": "65000.00",
        "total_extra": "15000.00",
        "total_principal": "80000.00",
        "total_interest": "2030.36",
        "total_fees": "0.00",
        "total_cash": "82030.36",
        "unused_extra": "0.00"
      },
      "combined": {
        "rows": [
          {
            "month": 1,
            "a_normal": "5253.83",
            "b_normal": "3533.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8787.16",
            "balance": "191892.84"
          },
          {
            "month": 2,
            "a_normal": "5253.83",
            "b_normal": "3525.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8778.83",
            "balance": "183766.58"
          },
          {
            "month": 3,
            "a_normal": "5253.83",
            "b_normal": "3516.66",
            "a_extra": "20000.00",
            "b_extra": "10000.00",
            "cash": "38770.49",
            "balance": "145621.15"
          },
          {
            "month": 4,
            "a_normal": "5253.83",
            "b_normal": "3007.14",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8260.97",
            "balance": "137852.66"
          },
          {
            "month": 5,
            "a_normal": "5253.83",
            "b_normal": "3000.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8253.83",
            "balance": "130064.53"
          },
          {
            "month": 6,
            "a_normal": "5253.83",
            "b_normal": "2992.85",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8246.68",
            "balance": "122256.68"
          },
          {
            "month": 7,
            "a_normal": "5253.83",
            "b_normal": "2985.71",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8239.54",
            "balance": "114429.02"
          },
          {
            "month": 8,
            "a_normal": "5253.83",
            "b_normal": "2978.57",
            "a_extra": "5000.00",
            "b_extra": "5000.00",
            "cash": "18232.40",
            "balance": "96581.48"
          },
          {
            "month": 9,
            "a_normal": "4777.53",
            "b_normal": "2958.93",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7736.46",
            "balance": "89170.28"
          },
          {
            "month": 10,
            "a_normal": "4777.53",
            "b_normal": "2951.78",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7729.31",
            "balance": "81740.86"
          },
          {
            "month": 11,
            "a_normal": "4777.53",
            "b_normal": "2944.64",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7722.17",
            "balance": "74293.15"
          },
          {
            "month": 12,
            "a_normal": "4777.53",
            "b_normal": "2937.50",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7715.03",
            "balance": "66827.08"
          },
          {
            "month": 13,
            "a_normal": "4777.53",
            "b_normal": "2930.35",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7707.88",
            "balance": "59342.58"
          },
          {
            "month": 14,
            "a_normal": "4777.53",
            "b_normal": "2923.21",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7700.74",
            "balance": "51839.57"
          },
          {
            "month": 15,
            "a_normal": "4777.53",
            "b_normal": "2916.07",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7693.60",
            "balance": "44317.97"
          },
          {
            "month": 16,
            "a_normal": "4777.53",
            "b_normal": "2908.93",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7686.46",
            "balance": "36777.71"
          },
          {
            "month": 17,
            "a_normal": "4777.53",
            "b_normal": "2901.78",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7679.31",
            "balance": "29218.72"
          },
          {
            "month": 18,
            "a_normal": "4777.53",
            "b_normal": "2894.64",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7672.17",
            "balance": "21640.92"
          },
          {
            "month": 19,
            "a_normal": "4777.53",
            "b_normal": "2887.50",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7665.03",
            "balance": "14044.24"
          },
          {
            "month": 20,
            "a_normal": "4777.50",
            "b_normal": "2880.35",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7657.85",
            "balance": "6428.63"
          },
          {
            "month": 21,
            "a_normal": "0.00",
            "b_normal": "2873.21",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "2873.21",
            "balance": "3571.49"
          },
          {
            "month": 22,
            "a_normal": "0.00",
            "b_normal": "2866.07",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "2866.07",
            "balance": "714.35"
          },
          {
            "month": 23,
            "a_normal": "0.00",
            "b_normal": "716.14",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "716.14",
            "balance": "0.00"
          }
        ],
        "total_interest": "6391.33",
        "total_cash": "206391.33",
        "payoff_month": 23,
        "total_extra": "40000.00"
      },
      "alternate_A": {
        "rows": [
          {
            "month": 1,
            "opening": "120000.00",
            "annual_pct": "4.80",
            "interest_base": "120000.00",
            "interest": "480.00",
            "normal": "5253.83",
            "normal_principal": "4773.83",
            "after_normal": "115226.17",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "115226.17",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 2,
            "opening": "115226.17",
            "annual_pct": "4.80",
            "interest_base": "115226.17",
            "interest": "460.90",
            "normal": "5253.83",
            "normal_principal": "4792.93",
            "after_normal": "110433.24",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "110433.24",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 3,
            "opening": "110433.24",
            "annual_pct": "4.80",
            "interest_base": "110433.24",
            "interest": "441.73",
            "normal": "5253.83",
            "normal_principal": "4812.10",
            "after_normal": "105621.14",
            "requested_extra": "30000.00",
            "extra": "30000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "35253.83",
            "closing": "75621.14",
            "previous_end": 24,
            "planned_end": 18,
            "next_payment_or_q": "5253.83",
            "mode": "shorten"
          },
          {
            "month": 4,
            "opening": "75621.14",
            "annual_pct": "4.80",
            "interest_base": "75621.14",
            "interest": "302.48",
            "normal": "5253.83",
            "normal_principal": "4951.35",
            "after_normal": "70669.79",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "70669.79",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 5,
            "opening": "70669.79",
            "annual_pct": "4.80",
            "interest_base": "70669.79",
            "interest": "282.68",
            "normal": "5253.83",
            "normal_principal": "4971.15",
            "after_normal": "65698.64",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "65698.64",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 6,
            "opening": "65698.64",
            "annual_pct": "4.80",
            "interest_base": "65698.64",
            "interest": "262.79",
            "normal": "5253.83",
            "normal_principal": "4991.04",
            "after_normal": "60707.60",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "60707.60",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 7,
            "opening": "60707.60",
            "annual_pct": "4.80",
            "interest_base": "60707.60",
            "interest": "242.83",
            "normal": "5253.83",
            "normal_principal": "5011.00",
            "after_normal": "55696.60",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "5253.83",
            "closing": "55696.60",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "5253.83",
            "mode": null
          },
          {
            "month": 8,
            "opening": "55696.60",
            "annual_pct": "4.80",
            "interest_base": "55696.60",
            "interest": "222.79",
            "normal": "5253.83",
            "normal_principal": "5031.04",
            "after_normal": "50665.56",
            "requested_extra": "10000.00",
            "extra": "10000.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "15253.83",
            "closing": "40665.56",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": "reduce"
          },
          {
            "month": 9,
            "opening": "40665.56",
            "annual_pct": "4.80",
            "interest_base": "40665.56",
            "interest": "162.66",
            "normal": "4156.56",
            "normal_principal": "3993.90",
            "after_normal": "36671.66",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "36671.66",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 10,
            "opening": "36671.66",
            "annual_pct": "4.80",
            "interest_base": "36671.66",
            "interest": "146.69",
            "normal": "4156.56",
            "normal_principal": "4009.87",
            "after_normal": "32661.79",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "32661.79",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 11,
            "opening": "32661.79",
            "annual_pct": "4.80",
            "interest_base": "32661.79",
            "interest": "130.65",
            "normal": "4156.56",
            "normal_principal": "4025.91",
            "after_normal": "28635.88",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "28635.88",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 12,
            "opening": "28635.88",
            "annual_pct": "4.80",
            "interest_base": "28635.88",
            "interest": "114.54",
            "normal": "4156.56",
            "normal_principal": "4042.02",
            "after_normal": "24593.86",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "24593.86",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 13,
            "opening": "24593.86",
            "annual_pct": "4.80",
            "interest_base": "24593.86",
            "interest": "98.38",
            "normal": "4156.56",
            "normal_principal": "4058.18",
            "after_normal": "20535.68",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "20535.68",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 14,
            "opening": "20535.68",
            "annual_pct": "4.80",
            "interest_base": "20535.68",
            "interest": "82.14",
            "normal": "4156.56",
            "normal_principal": "4074.42",
            "after_normal": "16461.26",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "16461.26",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 15,
            "opening": "16461.26",
            "annual_pct": "4.80",
            "interest_base": "16461.26",
            "interest": "65.85",
            "normal": "4156.56",
            "normal_principal": "4090.71",
            "after_normal": "12370.55",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "12370.55",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 16,
            "opening": "12370.55",
            "annual_pct": "4.80",
            "interest_base": "12370.55",
            "interest": "49.48",
            "normal": "4156.56",
            "normal_principal": "4107.08",
            "after_normal": "8263.47",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "8263.47",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 17,
            "opening": "8263.47",
            "annual_pct": "4.80",
            "interest_base": "8263.47",
            "interest": "33.05",
            "normal": "4156.56",
            "normal_principal": "4123.51",
            "after_normal": "4139.96",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.56",
            "closing": "4139.96",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          },
          {
            "month": 18,
            "opening": "4139.96",
            "annual_pct": "4.80",
            "interest_base": "4139.96",
            "interest": "16.56",
            "normal": "4156.52",
            "normal_principal": "4139.96",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "4156.52",
            "closing": "0.00",
            "previous_end": 18,
            "planned_end": 18,
            "next_payment_or_q": "4156.56",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 18,
        "total_normal_principal": "80000.00",
        "total_extra": "40000.00",
        "total_principal": "120000.00",
        "total_interest": "3596.20",
        "total_fees": "0.00",
        "total_cash": "123596.20",
        "unused_extra": "0.00"
      },
      "alternate_B": {
        "rows": [
          {
            "month": 1,
            "opening": "80000.00",
            "annual_pct": "3.00",
            "interest_base": "80000.00",
            "interest": "200.00",
            "normal": "3533.33",
            "normal_principal": "3333.33",
            "after_normal": "76666.67",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3533.33",
            "closing": "76666.67",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 2,
            "opening": "76666.67",
            "annual_pct": "3.00",
            "interest_base": "76666.67",
            "interest": "191.67",
            "normal": "3525.00",
            "normal_principal": "3333.33",
            "after_normal": "73333.34",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3525.00",
            "closing": "73333.34",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 3,
            "opening": "73333.34",
            "annual_pct": "3.00",
            "interest_base": "73333.34",
            "interest": "183.33",
            "normal": "3516.66",
            "normal_principal": "3333.33",
            "after_normal": "70000.01",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3516.66",
            "closing": "70000.01",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 4,
            "opening": "70000.01",
            "annual_pct": "3.00",
            "interest_base": "70000.01",
            "interest": "175.00",
            "normal": "3508.33",
            "normal_principal": "3333.33",
            "after_normal": "66666.68",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3508.33",
            "closing": "66666.68",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 5,
            "opening": "66666.68",
            "annual_pct": "3.00",
            "interest_base": "66666.68",
            "interest": "166.67",
            "normal": "3500.00",
            "normal_principal": "3333.33",
            "after_normal": "63333.35",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3500.00",
            "closing": "63333.35",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 6,
            "opening": "63333.35",
            "annual_pct": "3.00",
            "interest_base": "63333.35",
            "interest": "158.33",
            "normal": "3491.66",
            "normal_principal": "3333.33",
            "after_normal": "60000.02",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3491.66",
            "closing": "60000.02",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 7,
            "opening": "60000.02",
            "annual_pct": "3.00",
            "interest_base": "60000.02",
            "interest": "150.00",
            "normal": "3483.33",
            "normal_principal": "3333.33",
            "after_normal": "56666.69",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3483.33",
            "closing": "56666.69",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 8,
            "opening": "56666.69",
            "annual_pct": "3.00",
            "interest_base": "56666.69",
            "interest": "141.67",
            "normal": "3475.00",
            "normal_principal": "3333.33",
            "after_normal": "53333.36",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3475.00",
            "closing": "53333.36",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 9,
            "opening": "53333.36",
            "annual_pct": "3.00",
            "interest_base": "53333.36",
            "interest": "133.33",
            "normal": "3466.66",
            "normal_principal": "3333.33",
            "after_normal": "50000.03",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3466.66",
            "closing": "50000.03",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 10,
            "opening": "50000.03",
            "annual_pct": "3.00",
            "interest_base": "50000.03",
            "interest": "125.00",
            "normal": "3458.33",
            "normal_principal": "3333.33",
            "after_normal": "46666.70",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3458.33",
            "closing": "46666.70",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 11,
            "opening": "46666.70",
            "annual_pct": "3.00",
            "interest_base": "46666.70",
            "interest": "116.67",
            "normal": "3450.00",
            "normal_principal": "3333.33",
            "after_normal": "43333.37",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3450.00",
            "closing": "43333.37",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 12,
            "opening": "43333.37",
            "annual_pct": "3.00",
            "interest_base": "43333.37",
            "interest": "108.33",
            "normal": "3441.66",
            "normal_principal": "3333.33",
            "after_normal": "40000.04",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3441.66",
            "closing": "40000.04",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 13,
            "opening": "40000.04",
            "annual_pct": "3.00",
            "interest_base": "40000.04",
            "interest": "100.00",
            "normal": "3433.33",
            "normal_principal": "3333.33",
            "after_normal": "36666.71",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3433.33",
            "closing": "36666.71",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 14,
            "opening": "36666.71",
            "annual_pct": "3.00",
            "interest_base": "36666.71",
            "interest": "91.67",
            "normal": "3425.00",
            "normal_principal": "3333.33",
            "after_normal": "33333.38",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3425.00",
            "closing": "33333.38",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 15,
            "opening": "33333.38",
            "annual_pct": "3.00",
            "interest_base": "33333.38",
            "interest": "83.33",
            "normal": "3416.66",
            "normal_principal": "3333.33",
            "after_normal": "30000.05",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3416.66",
            "closing": "30000.05",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 16,
            "opening": "30000.05",
            "annual_pct": "3.00",
            "interest_base": "30000.05",
            "interest": "75.00",
            "normal": "3408.33",
            "normal_principal": "3333.33",
            "after_normal": "26666.72",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3408.33",
            "closing": "26666.72",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 17,
            "opening": "26666.72",
            "annual_pct": "3.00",
            "interest_base": "26666.72",
            "interest": "66.67",
            "normal": "3400.00",
            "normal_principal": "3333.33",
            "after_normal": "23333.39",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3400.00",
            "closing": "23333.39",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 18,
            "opening": "23333.39",
            "annual_pct": "3.00",
            "interest_base": "23333.39",
            "interest": "58.33",
            "normal": "3391.66",
            "normal_principal": "3333.33",
            "after_normal": "20000.06",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3391.66",
            "closing": "20000.06",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 19,
            "opening": "20000.06",
            "annual_pct": "3.00",
            "interest_base": "20000.06",
            "interest": "50.00",
            "normal": "3383.33",
            "normal_principal": "3333.33",
            "after_normal": "16666.73",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3383.33",
            "closing": "16666.73",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 20,
            "opening": "16666.73",
            "annual_pct": "3.00",
            "interest_base": "16666.73",
            "interest": "41.67",
            "normal": "3375.00",
            "normal_principal": "3333.33",
            "after_normal": "13333.40",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3375.00",
            "closing": "13333.40",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 21,
            "opening": "13333.40",
            "annual_pct": "3.00",
            "interest_base": "13333.40",
            "interest": "33.33",
            "normal": "3366.66",
            "normal_principal": "3333.33",
            "after_normal": "10000.07",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3366.66",
            "closing": "10000.07",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 22,
            "opening": "10000.07",
            "annual_pct": "3.00",
            "interest_base": "10000.07",
            "interest": "25.00",
            "normal": "3358.33",
            "normal_principal": "3333.33",
            "after_normal": "6666.74",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3358.33",
            "closing": "6666.74",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 23,
            "opening": "6666.74",
            "annual_pct": "3.00",
            "interest_base": "6666.74",
            "interest": "16.67",
            "normal": "3350.00",
            "normal_principal": "3333.33",
            "after_normal": "3333.41",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3350.00",
            "closing": "3333.41",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          },
          {
            "month": 24,
            "opening": "3333.41",
            "annual_pct": "3.00",
            "interest_base": "3333.41",
            "interest": "8.33",
            "normal": "3341.74",
            "normal_principal": "3333.41",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "3341.74",
            "closing": "0.00",
            "previous_end": 24,
            "planned_end": 24,
            "next_payment_or_q": "3333.33",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 24,
        "total_normal_principal": "80000.00",
        "total_extra": "0.00",
        "total_principal": "80000.00",
        "total_interest": "2500.00",
        "total_fees": "0.00",
        "total_cash": "82500.00",
        "unused_extra": "0.00"
      },
      "alternate_combined": {
        "rows": [
          {
            "month": 1,
            "a_normal": "5253.83",
            "b_normal": "3533.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8787.16",
            "balance": "191892.84"
          },
          {
            "month": 2,
            "a_normal": "5253.83",
            "b_normal": "3525.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8778.83",
            "balance": "183766.58"
          },
          {
            "month": 3,
            "a_normal": "5253.83",
            "b_normal": "3516.66",
            "a_extra": "30000.00",
            "b_extra": "0.00",
            "cash": "38770.49",
            "balance": "145621.15"
          },
          {
            "month": 4,
            "a_normal": "5253.83",
            "b_normal": "3508.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8762.16",
            "balance": "137336.47"
          },
          {
            "month": 5,
            "a_normal": "5253.83",
            "b_normal": "3500.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8753.83",
            "balance": "129031.99"
          },
          {
            "month": 6,
            "a_normal": "5253.83",
            "b_normal": "3491.66",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8745.49",
            "balance": "120707.62"
          },
          {
            "month": 7,
            "a_normal": "5253.83",
            "b_normal": "3483.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "8737.16",
            "balance": "112363.29"
          },
          {
            "month": 8,
            "a_normal": "5253.83",
            "b_normal": "3475.00",
            "a_extra": "10000.00",
            "b_extra": "0.00",
            "cash": "18728.83",
            "balance": "93998.92"
          },
          {
            "month": 9,
            "a_normal": "4156.56",
            "b_normal": "3466.66",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7623.22",
            "balance": "86671.69"
          },
          {
            "month": 10,
            "a_normal": "4156.56",
            "b_normal": "3458.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7614.89",
            "balance": "79328.49"
          },
          {
            "month": 11,
            "a_normal": "4156.56",
            "b_normal": "3450.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7606.56",
            "balance": "71969.25"
          },
          {
            "month": 12,
            "a_normal": "4156.56",
            "b_normal": "3441.66",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7598.22",
            "balance": "64593.90"
          },
          {
            "month": 13,
            "a_normal": "4156.56",
            "b_normal": "3433.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7589.89",
            "balance": "57202.39"
          },
          {
            "month": 14,
            "a_normal": "4156.56",
            "b_normal": "3425.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7581.56",
            "balance": "49794.64"
          },
          {
            "month": 15,
            "a_normal": "4156.56",
            "b_normal": "3416.66",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7573.22",
            "balance": "42370.60"
          },
          {
            "month": 16,
            "a_normal": "4156.56",
            "b_normal": "3408.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7564.89",
            "balance": "34930.19"
          },
          {
            "month": 17,
            "a_normal": "4156.56",
            "b_normal": "3400.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7556.56",
            "balance": "27473.35"
          },
          {
            "month": 18,
            "a_normal": "4156.52",
            "b_normal": "3391.66",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "7548.18",
            "balance": "20000.06"
          },
          {
            "month": 19,
            "a_normal": "0.00",
            "b_normal": "3383.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "3383.33",
            "balance": "16666.73"
          },
          {
            "month": 20,
            "a_normal": "0.00",
            "b_normal": "3375.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "3375.00",
            "balance": "13333.40"
          },
          {
            "month": 21,
            "a_normal": "0.00",
            "b_normal": "3366.66",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "3366.66",
            "balance": "10000.07"
          },
          {
            "month": 22,
            "a_normal": "0.00",
            "b_normal": "3358.33",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "3358.33",
            "balance": "6666.74"
          },
          {
            "month": 23,
            "a_normal": "0.00",
            "b_normal": "3350.00",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "3350.00",
            "balance": "3333.41"
          },
          {
            "month": 24,
            "a_normal": "0.00",
            "b_normal": "3341.74",
            "a_extra": "0.00",
            "b_extra": "0.00",
            "cash": "3341.74",
            "balance": "0.00"
          }
        ],
        "total_interest": "6096.20",
        "total_cash": "206096.20",
        "payoff_month": 24,
        "total_extra": "40000.00"
      }
    }
  },
  "DJ2-009": {
    "input": {
      "principal": 24000,
      "annual_pct": "6",
      "months": 12,
      "method": "principal",
      "rates": [
        {
          "month": 4,
          "annual_pct": "3.6"
        }
      ],
      "events": [
        {
          "month": 2,
          "amount": 5000,
          "mode": "shorten",
          "fee": 30
        },
        {
          "month": 5,
          "amount": 3000,
          "mode": "reduce",
          "fee": 20
        }
      ],
      "model_assumptions": {
        "interest": "期初有效年利率除12，期初本金计息，利息按分half-up",
        "cash": "正常付款按分half-up，本金=正常付款-利息；末期归还剩余本金",
        "order": "期初调率→正常计息与付款→额外还本；DJ2-002 B为独立另序对照",
        "shorten": "保留正常月供/每期还本额，模拟整数期且不超当前到期月，允许缩0期",
        "reduce": "保留当前到期月重算下一期计划；实际额外还本为0不重排",
        "fee": "月初仍有贷款时按已录入独立费用扣现金；更早结清后事件费用不再扣",
        "sample": "全部金额、利率、日期与条款均为原创构造；无日息、预测或真实合同认定"
      },
      "baseline_events": []
    },
    "outputs": {
      "plan": {
        "rows": [
          {
            "month": 1,
            "opening": "24000.00",
            "annual_pct": "6.00",
            "interest_base": "24000.00",
            "interest": "120.00",
            "normal": "2120.00",
            "normal_principal": "2000.00",
            "after_normal": "22000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2120.00",
            "closing": "22000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 2,
            "opening": "22000.00",
            "annual_pct": "6.00",
            "interest_base": "22000.00",
            "interest": "110.00",
            "normal": "2110.00",
            "normal_principal": "2000.00",
            "after_normal": "20000.00",
            "requested_extra": "5000.00",
            "extra": "5000.00",
            "unused_extra": "0.00",
            "fee": "30.00",
            "cash": "7140.00",
            "closing": "15000.00",
            "previous_end": 12,
            "planned_end": 10,
            "next_payment_or_q": "2000.00",
            "mode": "shorten"
          },
          {
            "month": 3,
            "opening": "15000.00",
            "annual_pct": "6.00",
            "interest_base": "15000.00",
            "interest": "75.00",
            "normal": "2075.00",
            "normal_principal": "2000.00",
            "after_normal": "13000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2075.00",
            "closing": "13000.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 4,
            "opening": "13000.00",
            "annual_pct": "3.60",
            "interest_base": "13000.00",
            "interest": "39.00",
            "normal": "2039.00",
            "normal_principal": "2000.00",
            "after_normal": "11000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2039.00",
            "closing": "11000.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 5,
            "opening": "11000.00",
            "annual_pct": "3.60",
            "interest_base": "11000.00",
            "interest": "33.00",
            "normal": "2033.00",
            "normal_principal": "2000.00",
            "after_normal": "9000.00",
            "requested_extra": "3000.00",
            "extra": "3000.00",
            "unused_extra": "0.00",
            "fee": "20.00",
            "cash": "5053.00",
            "closing": "6000.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "1200.00",
            "mode": "reduce"
          },
          {
            "month": 6,
            "opening": "6000.00",
            "annual_pct": "3.60",
            "interest_base": "6000.00",
            "interest": "18.00",
            "normal": "1218.00",
            "normal_principal": "1200.00",
            "after_normal": "4800.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "1218.00",
            "closing": "4800.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "1200.00",
            "mode": null
          },
          {
            "month": 7,
            "opening": "4800.00",
            "annual_pct": "3.60",
            "interest_base": "4800.00",
            "interest": "14.40",
            "normal": "1214.40",
            "normal_principal": "1200.00",
            "after_normal": "3600.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "1214.40",
            "closing": "3600.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "1200.00",
            "mode": null
          },
          {
            "month": 8,
            "opening": "3600.00",
            "annual_pct": "3.60",
            "interest_base": "3600.00",
            "interest": "10.80",
            "normal": "1210.80",
            "normal_principal": "1200.00",
            "after_normal": "2400.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "1210.80",
            "closing": "2400.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "1200.00",
            "mode": null
          },
          {
            "month": 9,
            "opening": "2400.00",
            "annual_pct": "3.60",
            "interest_base": "2400.00",
            "interest": "7.20",
            "normal": "1207.20",
            "normal_principal": "1200.00",
            "after_normal": "1200.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "1207.20",
            "closing": "1200.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "1200.00",
            "mode": null
          },
          {
            "month": 10,
            "opening": "1200.00",
            "annual_pct": "3.60",
            "interest_base": "1200.00",
            "interest": "3.60",
            "normal": "1203.60",
            "normal_principal": "1200.00",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "1203.60",
            "closing": "0.00",
            "previous_end": 10,
            "planned_end": 10,
            "next_payment_or_q": "1200.00",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 10,
        "total_normal_principal": "16000.00",
        "total_extra": "8000.00",
        "total_principal": "24000.00",
        "total_interest": "431.00",
        "total_fees": "50.00",
        "total_cash": "24481.00",
        "unused_extra": "0.00"
      },
      "baseline": {
        "rows": [
          {
            "month": 1,
            "opening": "24000.00",
            "annual_pct": "6.00",
            "interest_base": "24000.00",
            "interest": "120.00",
            "normal": "2120.00",
            "normal_principal": "2000.00",
            "after_normal": "22000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2120.00",
            "closing": "22000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 2,
            "opening": "22000.00",
            "annual_pct": "6.00",
            "interest_base": "22000.00",
            "interest": "110.00",
            "normal": "2110.00",
            "normal_principal": "2000.00",
            "after_normal": "20000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2110.00",
            "closing": "20000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 3,
            "opening": "20000.00",
            "annual_pct": "6.00",
            "interest_base": "20000.00",
            "interest": "100.00",
            "normal": "2100.00",
            "normal_principal": "2000.00",
            "after_normal": "18000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2100.00",
            "closing": "18000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 4,
            "opening": "18000.00",
            "annual_pct": "3.60",
            "interest_base": "18000.00",
            "interest": "54.00",
            "normal": "2054.00",
            "normal_principal": "2000.00",
            "after_normal": "16000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2054.00",
            "closing": "16000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 5,
            "opening": "16000.00",
            "annual_pct": "3.60",
            "interest_base": "16000.00",
            "interest": "48.00",
            "normal": "2048.00",
            "normal_principal": "2000.00",
            "after_normal": "14000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2048.00",
            "closing": "14000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 6,
            "opening": "14000.00",
            "annual_pct": "3.60",
            "interest_base": "14000.00",
            "interest": "42.00",
            "normal": "2042.00",
            "normal_principal": "2000.00",
            "after_normal": "12000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2042.00",
            "closing": "12000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 7,
            "opening": "12000.00",
            "annual_pct": "3.60",
            "interest_base": "12000.00",
            "interest": "36.00",
            "normal": "2036.00",
            "normal_principal": "2000.00",
            "after_normal": "10000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2036.00",
            "closing": "10000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 8,
            "opening": "10000.00",
            "annual_pct": "3.60",
            "interest_base": "10000.00",
            "interest": "30.00",
            "normal": "2030.00",
            "normal_principal": "2000.00",
            "after_normal": "8000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2030.00",
            "closing": "8000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 9,
            "opening": "8000.00",
            "annual_pct": "3.60",
            "interest_base": "8000.00",
            "interest": "24.00",
            "normal": "2024.00",
            "normal_principal": "2000.00",
            "after_normal": "6000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2024.00",
            "closing": "6000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 10,
            "opening": "6000.00",
            "annual_pct": "3.60",
            "interest_base": "6000.00",
            "interest": "18.00",
            "normal": "2018.00",
            "normal_principal": "2000.00",
            "after_normal": "4000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2018.00",
            "closing": "4000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 11,
            "opening": "4000.00",
            "annual_pct": "3.60",
            "interest_base": "4000.00",
            "interest": "12.00",
            "normal": "2012.00",
            "normal_principal": "2000.00",
            "after_normal": "2000.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2012.00",
            "closing": "2000.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          },
          {
            "month": 12,
            "opening": "2000.00",
            "annual_pct": "3.60",
            "interest_base": "2000.00",
            "interest": "6.00",
            "normal": "2006.00",
            "normal_principal": "2000.00",
            "after_normal": "0.00",
            "requested_extra": "0.00",
            "extra": "0.00",
            "unused_extra": "0.00",
            "fee": "0.00",
            "cash": "2006.00",
            "closing": "0.00",
            "previous_end": 12,
            "planned_end": 12,
            "next_payment_or_q": "2000.00",
            "mode": null
          }
        ],
        "skipped_events": [],
        "payoff_month": 12,
        "total_normal_principal": "24000.00",
        "total_extra": "0.00",
        "total_principal": "24000.00",
        "total_interest": "600.00",
        "total_fees": "0.00",
        "total_cash": "24600.00",
        "unused_extra": "0.00"
      },
      "segment_audit": [
        {
          "start": 1,
          "end": 2,
          "opening": "24000.00",
          "normal_principal": "4000.00",
          "extra": "5000.00",
          "interest": "230.00",
          "fees": "30.00",
          "cash": "9260.00",
          "closing": "15000.00"
        },
        {
          "start": 3,
          "end": 5,
          "opening": "15000.00",
          "normal_principal": "6000.00",
          "extra": "3000.00",
          "interest": "147.00",
          "fees": "20.00",
          "cash": "9167.00",
          "closing": "6000.00"
        },
        {
          "start": 6,
          "end": 10,
          "opening": "6000.00",
          "normal_principal": "6000.00",
          "extra": "0.00",
          "interest": "54.00",
          "fees": "0.00",
          "cash": "6054.00",
          "closing": "0.00"
        }
      ],
      "interest_difference": "169.00",
      "net_cost_difference": "119.00"
    }
  }
}