Customer Name : {{ $loan->user->name }}
Loan Reference : {{ $loan->reference }}

Principal Amount {{ number_format($loan->amount, 2) }} Loan Released Date {{ $loan->created_at }}
EMI {{ $loan->repaymentPlans->first()->is_new ? number_format($loan->emi, 2) : number_format($loan->repaymentPlans->first()->emi + $loan->repaymentPlans->first()->management_fee, 2) }} Payment Closed {{ $loan->closedPayments()->count() }}
Loan Tenor {{ $loan->duration }} Penalty @if ($loan->is_penalized) {{ 'Automated' }} @else @php($cur_month = $loan->created_at->diffInMonths(now())) @if ($cur_month <= 3) {{ 10 }}% @elseif($cur_month <= 6) {{ 7.5 }}% @elseif($cur_month <= 9) {{ 5 }}% @else {{ 0 }}% @endif @endif

Loan Fulfilment
@php($loan_wallet = $loan->user->loan_wallet) @if($loan_wallet > 0) @endif
Released Amount {{number_format($loan->amount,2)}}
Interest and Fees to Date {{number_format($loan->accrued_amount,2)}}
         Late Repayment Charges {{number_format($latePaymentCharges, 2)}}
Current Value of Loan {{number_format($currentValueOfLoan, 2)}}
Less: Repayments {{number_format($loan->deductions,2)}}
Loan Wallet Balance {{number_format(abs($loan->user->loan_wallet),2)}}
Value on Closure {{number_format($valueOnClosure, 2)}}
Add:    {{$loan->is_penalized ? 'Penal Charge' : 'Preliquidation Charge'}} {{number_format($loan->penal_charge,2)}}
Total Due @ {{now()}} {{number_format($totalDue, 2)}}

INSTRUCTIONS: You can pay online above or use the bank details below to pay in the bank
Payment should be made within 24hrs after viewing this settlement report since charges are accrued daily
There will be no refund after settlement.

Bank Name: Stanbic IBTC Bank
Account Number 0051208788
Account Name Nextpayday
Purpose Pre-liquidation of Nextpayday Loan