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Post by Cashback Chaser on Jun 9, 2017 23:38:20 GMT
I used INDEX and MATCH instead, I'll revisit if I sell partial loan parts.
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twoheads
Member of DD Central
Programming
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Post by twoheads on Jun 30, 2017 11:00:22 GMT
June version uploaded to OP.
Added the latest non-12% loans to the list.
Date range set up for calculating the June interest.
Sorry... it still doesn't exclude interest from IA and DEF loans - it calculates the interest you are due, not necessarily what you will actually receive if you hold IA or DEF loans.
And finally... the spreadsheet has been renamed to Lendy_Interest.xls and the OP has been 'rebranded' too.
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twoheads
Member of DD Central
Programming
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Likes: 1,192
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Post by twoheads on Jul 30, 2017 7:37:53 GMT
July version uploaded to OP.
There were no new loans (only new tranches) in July so the non-12% loans list remains the same.
The date range is now set for calculating the July interest.
Currently it is not possible to exclude interest from the total time 'for sale' because the information is not available in the downloaded data from Lendy. I hope they will include this in future.
Sorry... it also still doesn't exclude interest from IA and DEF loans - it calculates the interest you are due, not necessarily what you will actually receive if you hold IA or DEF loans.
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twoheads
Member of DD Central
Programming
Posts: 1,089
Likes: 1,192
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Post by twoheads on Aug 31, 2017 19:02:21 GMT
August version uploaded to the OP.
It still doesn't distinguish between IOA, IA and DEF so the total interest calculated is that which is both paid and (in theory) accruing.
I have made provision in the 'Setup' worksheet to account for those loans which have recently received rate hikes. This information is not currently used but soon will be. In the current version, the calculated interest is based on the current interest rate being applied for the entire period of the loan.
Next week I will upload a new version which takes into account the rate changes.
EDIT: As yet, I don't know whether the rate changes take effect for the entire month of August or only for the time since their announcements. My assumption is that the changes are backdated to the start of the month... we'll have to wait and see.
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invester
P2P Blogger
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Post by invester on Sept 8, 2017 9:37:29 GMT
Can anyone confirm, do IOA loans automatically turn to IA when the loan goes overdue (ie. less than 0 days)
Are there any overdue loans which are still IOA?
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twoheads
Member of DD Central
Programming
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Post by twoheads on Sept 8, 2017 10:36:52 GMT
Can anyone confirm, do IOA loans automatically turn to IA when the loan goes overdue (ie. less than 0 days) Are there any overdue loans which are still IOA? Q1: Yes, the statuses IOA, IA and DEF are tied exactly to term: Term of zero or greater -> IOA Term between -180 and -1 (inclusive) -> IA Term -181 days or more -> DEF Loans get moved to the DEF tab automatically at midnight if their term is at -179 (nobody knows why it happens at -179). If you look in the loan particulars of a loan just moved to default at -179, it still says IA on the loan particulars... this changes to DEF when the term ticks down to -181.
Q2: There are no overdue loans which are still IOA.
I've been monitoring the statuses of all live loans and so far, none has deviated. I suspect that the status we see online is not even stored but is simply derived from the remaining term for display purposes only.
An interesting prospect is PBL192 which started at 365 days but with only six months interest on account. Will the status change from IOA to IA if the borrower fails to service the interest when the term gets to around 183 days?
Here's a spreadsheet with all the information as of a few minutes ago. Lendy.xls (33 KB)
Similar dynamically updated information is available from cooling_dude 's excellent post here.
EDIT - Crossed with @new2p2p - I was ages writing my post... got distracted mid way!
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invester
P2P Blogger
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Post by invester on Sept 8, 2017 11:34:26 GMT
Thank you guys for the answers, much appreciated!
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