public static InstallmentPlanRow FromInstallmentPlanCS(InstallmentPlanRowCS installmentPlanRowCS)
{
if (!Enum.TryParse(installmentPlanRowCS.ActivityKind, true, out ActivityKind activityKind))
{
activityKind = ActivityKind.Repayment;
}
var planRow = new InstallmentPlanRow
{
ActivityKind = activityKind,
Annuity = (decimal)(installmentPlanRowCS.Annuity ?? 0),
CashCollateral = (decimal)(installmentPlanRowCS.CashCollateral ?? 0),
Date = installmentPlanRowCS.Date ?? DateTime.Today,
DeferredPayment = (decimal)(installmentPlanRowCS.DeferredPayment ?? 0),
DeferredPaymentInstallment = (decimal)(installmentPlanRowCS.DeferredPaymentInstallment ?? 0),
Description = installmentPlanRowCS.Description,
Disbursement = (decimal)(installmentPlanRowCS.Disbursement ?? 0),
DiscountedCashCollateralFlow = (decimal)(installmentPlanRowCS.DiscountedCashCollateralFlow ?? 0),
DiscountedDisbursement = (decimal)(installmentPlanRowCS.DiscountedDisbursement ?? 0),
DiscountedNetCashFlow = (decimal)(installmentPlanRowCS.DiscountedNetCashFlow ?? 0),
Fee = (decimal)(installmentPlanRowCS.Fee ?? 0),
InterestRepayment = (decimal)(installmentPlanRowCS.InterestRepayment ?? 0),
NetCashFlow = (decimal)(installmentPlanRowCS.NetCashFlow ?? 0),
Ordinal = installmentPlanRowCS.Ordinal ?? 0,
OtherExpenses = (decimal)(installmentPlanRowCS.OtherExpenses ?? 0),
OutstandingBalance = (decimal)(installmentPlanRowCS.OutstandingBalance ?? 0),
PrincipalRepayment = (decimal)(installmentPlanRowCS.PrincipalRepayment ?? 0),
StartingBalance = (decimal)(installmentPlanRowCS.StartingBalance ?? 0),
YearFrac = 0
};
return(planRow);
}
public override void CalculateOffer(PriceCalculationParameters calculationParameters, OfferPriceCalculation priceCalculator, string feeCurrencyConversionMethod)
{
var ignore = priceCalculator.CalculatePrice(this, calculationParameters).Result;
// isCompound i calendarBasis izvuci tokom CalculatePrice da dodatno opisu Napr
bool isCompound = false;
CalendarBasisKind calendarBasis = CalendarBasisKind.CalendarActActISDA;
double yearlyRate = Convert.ToDouble(Napr) / 100;
var ir = Conditions.InterestRates.FirstOrDefault(it => it.Kind == InterestRateKinds.RegularInterest);
if (ir != null)
{
isCompound = ir.IsCompound;
calendarBasis = ir.CalendarBasis;
yearlyRate = Convert.ToDouble(ir.CalculatedRate);
Napr = Convert.ToDecimal(yearlyRate);
}
var startDate = calculationParameters.RequestDate ?? DateTime.Today;
List <InstallmentPlanRow> rows = new List <InstallmentPlanRow>();
List <FeeCondition> rowFeeList = new List <FeeCondition>();
List <FeeCondition> fees = Conditions.Fees;
fees = FeeCalculation.PrepareFees(fees, Currency, feeCurrencyConversionMethod);
decimal runningAmount = Math.Round(Amount, 2);
DateTime runningDate = startDate;
if (CalculationDate > DateTime.Today)
{
CalculationDate = runningDate;
}
else
{
runningDate = CalculationDate ?? DateTime.Today;
}
// SLOBA: Fee scheduling, and scheduling in general has to be improved in advanced calculator.
decimal totalFeeAmount = 0;
if (fees != null)
{
List <FeeCondition> feeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.EventTriggered && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
totalFeeAmount = Math.Round(FeeCalculation.CalculateFee(Amount, feeList), 4);
}
NumberOfInstallments = 1;
/* Disbursment */
InstallmentPlanRow rowDisbursement = new InstallmentPlanRow();
rowDisbursement.Date = runningDate;
rowDisbursement.Ordinal = 0;
rowDisbursement.ActivityKind = ActivityKind.Disbursement;
rowDisbursement.Description = "Loan disbursement";
rowDisbursement.Disbursement = Amount;
rowDisbursement.StartingBalance = 0;
rowDisbursement.OutstandingBalance = Amount;
rowDisbursement.PrincipalRepayment = 0;
rowDisbursement.InterestRepayment = 0;
rowDisbursement.NetCashFlow = Amount - totalFeeAmount;
rowDisbursement.Fee = totalFeeAmount;
rowDisbursement.YearFrac = 0;
rows.Add(rowDisbursement);
int i = -1;
InstallmentPlanRow rowInterest;
var intrStartDate = startDate;
runningDate = runningDate.AddMonths(1);
while (runningDate <= MaturityDate.Value)
{
i++;
var interest = Math.Round(InterestCalculation.CalculateInterest(intrStartDate, runningDate, runningDate, Convert.ToDouble(yearlyRate), 'Y', isCompound, calendarBasis, Convert.ToDouble(runningAmount))
.Sum(it => it.Interest), 2);
rowInterest = new InstallmentPlanRow();
rowInterest.Ordinal = i + 1;
rowInterest.Date = runningDate;
rowInterest.ActivityKind = ActivityKind.Repayment;
rowInterest.Description = "Interest and fee repayment";
rowInterest.InterestRepayment = Convert.ToDecimal(interest);
rowInterest.PrincipalRepayment = 0;
rowInterest.Annuity = rowInterest.InterestRepayment;
rowInterest.StartingBalance = Math.Round(runningAmount, 2);
rowInterest.OutstandingBalance = Math.Round(runningAmount, 2);
#region Fee calculation
if (fees != null)
{
decimal totalRowFee = 0;
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Monthly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
if ((i + 1) % 4 == 0)
{
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Quarterly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
}
if ((i + 1) % 6 == 0)
{
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Semiyearly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
}
if ((i + 1) % 12 == 0)
{
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Yearly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
}
rowInterest.Fee = Math.Round(totalRowFee, 4);
}
#endregion
rowInterest.NetCashFlow = rowInterest.Disbursement - rowInterest.PrincipalRepayment - rowInterest.InterestRepayment - rowInterest.Fee - rowInterest.OtherExpenses;
rowInterest.YearFrac = Convert.ToDecimal(InterestCalculation.YearFrac(startDate, runningDate)); //, calendarBasis);
rows.Add(rowInterest);
intrStartDate = runningDate;
runningDate = runningDate.AddMonths(1);
}
i++;
rowInterest = new InstallmentPlanRow();
rowInterest.Ordinal = i + 1;
rowInterest.Date = runningDate;
rowInterest.ActivityKind = ActivityKind.Repayment;
rowInterest.Description = "Principal repayment";
rowInterest.InterestRepayment = 0;
rowInterest.PrincipalRepayment = Amount;
rowInterest.Annuity = Amount;
rowInterest.StartingBalance = Amount;
rowInterest.OutstandingBalance = 0;
#region Fee calculation
rowInterest.Fee = 0;
#endregion
rowInterest.NetCashFlow = rowInterest.Disbursement - rowInterest.PrincipalRepayment - rowInterest.InterestRepayment - rowInterest.Fee - rowInterest.OtherExpenses;
rowInterest.YearFrac = Convert.ToDecimal(InterestCalculation.YearFrac(startDate, runningDate)); //, calendarBasis);
rows.Add(rowInterest);
NumberOfInstallments = 1;
// arrangementRequest.InstallmentPlan = rows;
CalculateAPR(rows);
}
// SLOBA: term and fees parameters are inconsistently extracted from arrangementRequest
public void CalculateInstallmentPlan(string feeCurrencyConversionMethod)
{
int term = Utility.GetMonthsFromPeriod(Term);
List <InstallmentPlanRow> rows = new List <InstallmentPlanRow>();
List <FeeCondition> rowFeeList = new List <FeeCondition>();
List <FeeCondition> fees = Conditions.Fees;
fees = FeeCalculation.PrepareFees(fees, Currency, feeCurrencyConversionMethod);
decimal runningAmount = Math.Round(Amount, 2);
DateTime runningDate = new DateTime(DateTime.Today.Year, DateTime.Today.Month, DateTime.Today.Day, 0, 0, 0, 0);
if (CalculationDate > DateTime.Today)
{
CalculationDate = runningDate;
}
else
{
runningDate = CalculationDate ?? DateTime.Today;
}
DateTime startDate = runningDate;
// SLOBA: Fee scheduling, and scheduling in general has to be improved in advanced calculator.
decimal totalFeeAmount = 0;
if (fees != null)
{
List <FeeCondition> feeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.EventTriggered && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
totalFeeAmount = Math.Round(FeeCalculation.CalculateFee(Amount, feeList), 4);
}
NumberOfInstallments = 1;
bool isCompound = false;
CalendarBasisKind calendarBasis = CalendarBasisKind.CalendarActActISDA;
double yearlyRate = 0;
var ir = Conditions.InterestRates.FirstOrDefault(it => it.Kind == InterestRateKinds.RegularInterest);
if (ir != null)
{
isCompound = ir.IsCompound;
calendarBasis = ir.CalendarBasis;
yearlyRate = Convert.ToDouble(ir.CalculatedRate / 100);
}
// this is huge simplification. not good
double monthlyRate = yearlyRate / 12;
if (isCompound)
{
monthlyRate = Math.Pow(1 + yearlyRate, 1.0000000 / 12.0000000) - 1;
}
// SLOBA: Logic for calculating cash flow is done in manner that is later hard to extend. Also columns are hardcoded.
// SLOBA: This is totally ok for basic calculator though
/* Disbursment */
InstallmentPlanRow rowDisbursement = new InstallmentPlanRow();
rowDisbursement.Date = runningDate;
rowDisbursement.Ordinal = 0;
rowDisbursement.ActivityKind = ActivityKind.Disbursement;
rowDisbursement.Description = "Loan disbursement";
rowDisbursement.Disbursement = Amount;
rowDisbursement.StartingBalance = 0;
rowDisbursement.OutstandingBalance = Amount;
rowDisbursement.PrincipalRepayment = 0;
rowDisbursement.InterestRepayment = 0;
rowDisbursement.NetCashFlow = Amount - totalFeeAmount;
rowDisbursement.Fee = totalFeeAmount;
rowDisbursement.YearFrac = 0;
rows.Add(rowDisbursement);
for (var i = 0; i < term; i++)
{
decimal interest = Math.Round(runningAmount * Convert.ToDecimal(monthlyRate), 2);
decimal principal = Math.Round(Annuity - interest, 2);
if (i == term - 1)
{ // last ... corection for decimal places
principal = Math.Round(runningAmount, 2);
interest = Math.Round(Annuity - principal, 2);
}
InstallmentPlanRow rowInterest = new InstallmentPlanRow();
rowInterest.Ordinal = i + 1;
runningDate = runningDate.AddMonths(1);
rowInterest.Date = runningDate;
rowInterest.ActivityKind = ActivityKind.Repayment;
rowInterest.Description = "Anuity repayment";
rowInterest.InterestRepayment = interest;
rowInterest.PrincipalRepayment = principal;
rowInterest.Annuity = Annuity;
rowInterest.StartingBalance = Math.Round(runningAmount, 2);
runningAmount = (runningAmount - principal);
rowInterest.OutstandingBalance = Math.Round(runningAmount, 2);
#region Fee calculation
if (fees != null)
{
decimal totalRowFee = 0;
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Monthly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
if ((i + 1) % 4 == 0)
{
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Quarterly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
}
if ((i + 1) % 6 == 0)
{
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Semiyearly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
}
if ((i + 1) % 12 == 0)
{
rowFeeList = fees.FindAll(f => f.Frequency == FeeConditionFrequency.Yearly && f.EffectiveDate <= DateTime.Today && f.Currencies.Contains(Currency));
if (rowFeeList.Count > 0)
{
totalRowFee += FeeCalculation.CalculateFee(runningAmount, rowFeeList);
}
}
rowInterest.Fee = Math.Round(totalRowFee, 4);
}
#endregion
rowInterest.NetCashFlow = rowInterest.Disbursement - rowInterest.PrincipalRepayment - rowInterest.InterestRepayment - rowInterest.Fee - rowInterest.OtherExpenses;
rowInterest.YearFrac = Yearfrac(startDate, runningDate, calendarBasis);
rows.Add(rowInterest);
NumberOfInstallments += 1;
}
// arrangementRequest.InstallmentPlan = rows;
CalculateAPR(rows);
}