public void Test_GenerateDebtRepaymentPlan_ExtraPaymentLoan_MinimumPaymentRollover()
{
var loans = new Loan[] {
new Loan()
{
AccruedInterest = 0,
PrincipalBalance = 275m,
InterestRate = 0.0m,
MinimumMonthlyPayment = 25m,
Name = "a"
},
new Loan()
{
AccruedInterest = 0,
PrincipalBalance = 100m,
InterestRate = 0.0m,
MinimumMonthlyPayment = 25m,
Name = "b"
}
};
var startDate = new DateTime(2020, 1, 1);
var salary = new Salary();
var model = new Person(loans, 25, salary);
var service = new DebtCalendar(model);
var result = service.GenerateDebtRepaymentPlan(startDate);
Assert.AreEqual(startDate.AddMonths(4), result.Last().Month);
}
public void Test_GenerateDebtRepaymentPlan_ApplyRaise()
{
var loans = new Loan[] {
new Loan()
{
AccruedInterest = 0,
PrincipalBalance = 300,
InterestRate = 0.0m,
MinimumMonthlyPayment = 25m,
Name = "a"
}
};
var startDate = new DateTime(2020, 1, 1);
var salary = new Salary()
{
AnnualAmount = 100m,
AnnualRaiseMonth = 4,
AnnualRaisePercent = 0.25m,
PercentOfRaiseForRepayment = 1m
};
var model = new Person(loans, 25, salary);
var service = new DebtCalendar(model);
var result = service.GenerateDebtRepaymentPlan(startDate);
Assert.AreEqual(startDate.AddMonths(5), result.Last().Month);
}
public void Test_GenerateDebtRepaymentPlan_Decisions()
{
var loans = new Loan[] {
new Loan()
{
AccruedInterest = 0,
PrincipalBalance = 100,
InterestRate = 0.0m,
MinimumMonthlyPayment = 25m,
Name = "a"
},
new Loan()
{
AccruedInterest = 0,
PrincipalBalance = 100,
InterestRate = 0.0m,
MinimumMonthlyPayment = 25m,
Name = "b"
}
};
var startDate = new DateTime(2020, 1, 1);
var salary = new Salary();
var model = new Person(loans, 25, salary);
var service = new DebtCalendar(model);
var result = service.GenerateDebtRepaymentPlan(startDate);
Assert.AreEqual(3, result.Count);
Assert.AreEqual(startDate, result[0].Month);
Assert.AreEqual(2, result[0].Decisions.Count);
AssertDecision(result[0].Decisions[0], "a", 100, 50);
AssertDecision(result[0].Decisions[1], "b", 100, 25);
Assert.AreEqual(startDate.AddMonths(1), result[1].Month);
Assert.AreEqual(2, result[1].Decisions.Count);
AssertDecision(result[1].Decisions[0], "a", 50, 50);
AssertDecision(result[1].Decisions[1], "b", 75, 25);
Assert.AreEqual(startDate.AddMonths(2), result[2].Month);
Assert.AreEqual(1, result[2].Decisions.Count);
AssertDecision(result[2].Decisions[0], "b", 50, 75);
}
public void Test_GenerateDebtRepaymentPlan_NoExtraPayment()
{
var loans = new Loan[] {
new Loan()
{
AccruedInterest = 0,
PrincipalBalance = 25000,
InterestRate = 0.068m,
MinimumMonthlyPayment = 287.7m,
Name = "a"
}
};
var startDate = new DateTime(2020, 1, 1);
var salary = new Salary();
var model = new Person(loans, 0, salary);
var service = new DebtCalendar(model);
var result = service.GenerateDebtRepaymentPlan(startDate);
Assert.AreEqual(startDate.AddMonths(119), result.Last().Month);
}
