internal void AddRecentPayments(FixedRateLoan testSubject)
{
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-29), new Pecuniam(-461.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-60), new Pecuniam(-460.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-90), new Pecuniam(-459.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-120), new Pecuniam(-458.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-150), new Pecuniam(-457.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-180), new Pecuniam(-456.0M));
}
public void TestGetMinPayment()
{
var testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F);
AddTransactionsOld(testSubject);
AddRecentPayments(testSubject);
var testResult = testSubject.GetMinPayment(DateTime.UtcNow.AddDays(-15).Date);
Assert.AreEqual(-52.79M, testResult.Amount);
Console.WriteLine(testResult.Amount);
}
public void TestGet30yearBalance()
{
var testSubject = new FixedRateLoan(DateTime.Today, 0.0885F, new Pecuniam(150000))
{
Rate = 0.05F
};
var testResult = testSubject.GetValueAt(DateTime.Today.AddYears(30));
Console.WriteLine(testResult);
var fv = Econ.PerDiemInterest(150000M, 0.03F,
(DateTime.Today.AddYears(30) - DateTime.Today).TotalDays);
Console.WriteLine(fv);
var v = fv / 30;
v = v / 12;
Console.WriteLine(v);
}
internal void AddTransactionsOld(FixedRateLoan testSubject)
{
//monthly payments
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-360), new Pecuniam(-450.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-240), new Pecuniam(-454.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-300), new Pecuniam(-452.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-270), new Pecuniam(-453.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-210), new Pecuniam(-455.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-330), new Pecuniam(-451.0M));
//charges
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-365), new Pecuniam(8000.0M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-350), new Pecuniam(164.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-198), new Pecuniam(165.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-24), new Pecuniam(166.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-74), new Pecuniam(167.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-88), new Pecuniam(168.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-92), new Pecuniam(169.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-121), new Pecuniam(170.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-180), new Pecuniam(171.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-142), new Pecuniam(172.4M));
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-155), new Pecuniam(173.4M));
}
public void TestGetStatus()
{
var testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F);
AddTransactionsOld(testSubject);
AddRecentPayments(testSubject);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-15), new Pecuniam(-461.0M));
var testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreEqual(SpStatus.Current, testResult);
testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F);
testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreEqual(SpStatus.NoHistory, testResult);
testSubject.Terminus = DateTime.UtcNow.AddDays(-1).Date;
testSubject.Closure = ClosedCondition.ClosedWithZeroBalance;
testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreEqual(SpStatus.Closed, testResult);
testSubject.Terminus = DateTime.UtcNow.AddDays(1).Date;
testSubject.Closure = ClosedCondition.ClosedWithZeroBalance;
testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreNotEqual(SpStatus.Closed, testResult);
testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F);
testSubject.DueFrequency = new TimeSpan(28, 0, 0, 0);
AddTransactionsOld(testSubject);
AddRecentPayments(testSubject);
testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreEqual(SpStatus.Late, testResult);
testSubject.DueFrequency = new TimeSpan(45, 0, 0, 0);
testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreEqual(SpStatus.Current, testResult);
//account opened then over paid off - better be current
testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F);
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-365), new Pecuniam(8000.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-360), new Pecuniam(-9000.0M));
testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreEqual(SpStatus.Current, testResult);
//immediate payment didn't cover it cause of per diem interest
testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F)
{
Rate = 0.0825f
};
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-40), new Pecuniam(8000.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-35), new Pecuniam(-8000.0M));
testResult = testSubject.GetStatus(DateTime.UtcNow);
Assert.AreEqual(SpStatus.Late, testResult);
}
public void TestGetDelinquency()
{
var testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F);
AddTransactionsOld(testSubject);
AddRecentPayments(testSubject);
var testResult = testSubject.GetDelinquency(DateTime.UtcNow);
Assert.IsNull(testResult);
testSubject = new FixedRateLoan(DateTime.UtcNow.AddYears(-3).Date, 0.0125F);
testSubject.AddPositiveValue(DateTime.UtcNow.AddDays(-365), new Pecuniam(8000.0M));
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-180 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
var dt = DateTime.UtcNow;
testResult = testSubject.GetDelinquency(dt);
Assert.AreEqual(PastDue.HundredAndEighty, testResult);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-179 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
testResult = testSubject.GetDelinquency(dt);
Assert.AreEqual(PastDue.Ninety, testResult);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-90 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
testResult = testSubject.GetDelinquency(dt);
Assert.AreEqual(PastDue.Ninety, testResult);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-89 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
testResult = testSubject.GetDelinquency(dt);
Assert.AreEqual(PastDue.Sixty, testResult);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-60 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
testResult = testSubject.GetDelinquency(dt);
Assert.AreEqual(PastDue.Sixty, testResult);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-59 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
testResult = testSubject.GetDelinquency(dt);
Assert.AreEqual(PastDue.Thirty, testResult);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-30 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
testResult = testSubject.GetDelinquency(dt);
Assert.AreEqual(PastDue.Thirty, testResult);
testSubject.AddNegativeValue(DateTime.UtcNow.AddDays(-29 - testSubject.DueFrequency.Value.TotalDays),
new Pecuniam(-461.0M));
testResult = testSubject.GetDelinquency(dt);
Assert.IsNull(testResult);
}
