public void GetLoanSummary_ReturnsNotNull()
{
LoanSummaryController controller = new LoanSummaryController();
LoanSummary result = controller.GetLoanSummary(50000m, 19);
Assert.IsNotNull(result);
}
private List <PaymentScheduleItem> CalculatePayments(LoanSummary summary, IEnumerable <DateTime> paymentDates)
{
List <PaymentScheduleItem> scheduler = new List <PaymentScheduleItem>();
var creditAmount = summary.FullPrice - summary.Deposit;
var paymentRate = Math.Round((creditAmount / summary.LoanLenght), 2);
foreach (DateTime date in paymentDates)
{
scheduler.Add(new PaymentScheduleItem
{
PaymentDate = date,
PaymentAmount = paymentRate
});
}
var mathRoundDifference = creditAmount - scheduler.Sum(x => x.PaymentAmount);
scheduler[summary.LoanLenght - 1].PaymentAmount += (mathRoundDifference);
scheduler[0].PaymentAmount += (summary.ArrangmentFee == null ? 0 : Convert.ToDecimal(summary.ArrangmentFee));
scheduler[summary.LoanLenght - 1].PaymentAmount += (summary.CompletionFee == null ? 0 : Convert.ToDecimal(summary.CompletionFee));
return(scheduler);
}
public void GetLoanSummary_TotalInterestIsCorrect()
{
LoanCalculationService service = new LoanCalculationService();
LoanSummary result = service.GetLoanSummary(50000m, 19);
Assert.AreEqual(result.TotalInterest, 5016.0m);
}
public void GetLoanSummary_WeeklyRepaymentIsCorrect()
{
LoanCalculationService service = new LoanCalculationService();
LoanSummary result = service.GetLoanSummary(50000m, 19);
Assert.AreEqual(result.WeeklyRepayment, 1058.0m);
}
public async Task <LoanDetails> CalculateLoan(LoanSummary requestSummary)
{
var paymentDates = GetPaymentSchedulerDates(requestSummary.DeliveryDate, requestSummary.LoanLenght, DayOfWeek.Monday);
return(new LoanDetails
{
Payments = await Task.Run <List <PaymentScheduleItem> >(() => CalculatePayments(requestSummary, paymentDates)),
Summary = requestSummary
});
}
public LoanSummary GetLoanSummary(LoanInformation loanInformation)
{
var loanSummary = new LoanSummary
{
WeeklyRepayment = PaymentHelpers.GetPayment(loanInformation.Amount, loanInformation.NumberOfPayments, loanInformation.APR)
};
loanSummary.TotalRepaid = loanSummary.WeeklyRepayment * loanInformation.NumberOfPayments;
loanSummary.TotalInterest = loanSummary.TotalRepaid - loanInformation.Amount;
return(loanSummary);
}
private const int totalPayments = 52; // Number of weekly payments
#region Public methods
public LoanSummary GetLoanSummary(decimal amount, int apr)
{
ValidateAmount(amount);
ValidateApr(apr);
var repayment = Math.Round(GetInstallmentAmount(amount, totalPayments, apr), 0, MidpointRounding.AwayFromZero);
var totalRepaid = repayment * totalPayments;
var totalInterest = totalRepaid - amount;
var loanSummary = new LoanSummary(repayment, totalRepaid, totalInterest);
return(loanSummary);
}
public void DoesCalculeteLoanReturnsTheSameServiceDetailsAsPassedToTheMethodTest()
{
var summary = new LoanSummary()
{
ArrangmentFee = 88,
CompletionFee = 20,
Deposit = 150,
FullPrice = 2000,
LoanLenght = 12,
DeliveryDate = new DateTime(2020, 1, 1)
};
var loanDetails = services.CalculateLoan(summary).Result;
Assert.AreEqual(summary, loanDetails.Summary);
}
public LoanSummary GetLoanSummary(Loan loan)
{
var totalLoanAmount = GetTotalLoanAmount(loan);
var financeMonths = loan.FinanceMonths;
var standardPaymentAmount = GetStandardPaymentAmount(totalLoanAmount, financeMonths);
var initialPaymentAmount = GetInitialPaymentAmount(standardPaymentAmount, loan.LoanFee);
var finalPaymentAmount = GetFinalPaymentAmount(standardPaymentAmount, loan.LoanFee);
var ls = new LoanSummary()
{
Loan = loan,
TotalLoanAmount = totalLoanAmount,
TotalMonths = financeMonths,
PaymentFrequency = PaymentFrequency.Monthly,
InitialPaymentAmount = initialPaymentAmount,
StandardMonthlyPaymentAmount = standardPaymentAmount,
FinalPaymentAmount = finalPaymentAmount
};
return(ls);
}
public LoanPaymentSchedule GetPaymentSchedule(Loan loan, LoanSummary summary)
{
var payments = new List <LoanPayment>();
var deliveryYear = loan.DeliveryDate.Year;
var deliveryMonth = loan.DeliveryDate.Month;
var nextPaymentMonth = GetNextPaymentMonth(deliveryMonth);
var nextPaymentYear = GetNextPaymentYear(deliveryMonth, deliveryYear);
for (int i = 1; i <= loan.FinanceMonths; i++)
{
var lp = new LoanPayment();
lp.MonthNumber = i;
if (i == 1)
{
lp.PaymentAmount = summary.InitialPaymentAmount;
}
else if (i == loan.FinanceMonths)
{
lp.PaymentAmount = summary.FinalPaymentAmount;
}
else
{
lp.PaymentAmount = summary.StandardMonthlyPaymentAmount;
}
var nextPaymentDate = GetFirstMondayOfMonth(nextPaymentYear, nextPaymentMonth);
lp.PaymentDate = nextPaymentDate;
nextPaymentYear = GetNextPaymentYear(nextPaymentMonth, nextPaymentYear);
nextPaymentMonth = GetNextPaymentMonth(nextPaymentMonth);
payments.Add(lp);
}
var lps = new LoanPaymentSchedule();
lps.LoanPayments = payments;
return(lps);
}
public void Setup()
{
_loan = new Loan()
{
DeliveryDate = new System.DateTime(2019, 05, 02),
Deposit = 500,
FinanceMonths = 24,
VehiclePrice = 13999,
LoanFee = new Fee()
{
ArrangementFee = 80,
CompletionFee = 20
}
};
_loanSummary = new LoanSummary()
{
Loan = _loan,
TotalLoanAmount = 13599,
TotalMonths = 24,
PaymentFrequency = PaymentFrequency.Monthly,
InitialPaymentAmount = 646.62m,
StandardMonthlyPaymentAmount = 566.62m,
FinalPaymentAmount = 586.62m
};
_loanPayments = new List <LoanPayment>()
{
new LoanPayment()
{
MonthNumber = 1, PaymentDate = new System.DateTime(2019, 06, 03), PaymentAmount = _loanSummary.InitialPaymentAmount
},
new LoanPayment()
{
MonthNumber = 2, PaymentDate = new System.DateTime(2019, 07, 01), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 3, PaymentDate = new System.DateTime(2019, 08, 05), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 4, PaymentDate = new System.DateTime(2019, 09, 02), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 5, PaymentDate = new System.DateTime(2019, 10, 07), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 6, PaymentDate = new System.DateTime(2019, 11, 04), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 7, PaymentDate = new System.DateTime(2019, 12, 02), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 8, PaymentDate = new System.DateTime(2020, 01, 06), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 9, PaymentDate = new System.DateTime(2020, 02, 03), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 10, PaymentDate = new System.DateTime(2020, 03, 02), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 11, PaymentDate = new System.DateTime(2020, 04, 06), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 12, PaymentDate = new System.DateTime(2020, 05, 04), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 13, PaymentDate = new System.DateTime(2020, 06, 01), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 14, PaymentDate = new System.DateTime(2020, 07, 06), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 15, PaymentDate = new System.DateTime(2020, 08, 03), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 16, PaymentDate = new System.DateTime(2020, 09, 07), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 17, PaymentDate = new System.DateTime(2020, 10, 05), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 18, PaymentDate = new System.DateTime(2020, 11, 02), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 19, PaymentDate = new System.DateTime(2020, 12, 07), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 20, PaymentDate = new System.DateTime(2021, 01, 04), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 21, PaymentDate = new System.DateTime(2021, 02, 01), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 22, PaymentDate = new System.DateTime(2021, 03, 01), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 23, PaymentDate = new System.DateTime(2021, 04, 05), PaymentAmount = _loanSummary.StandardMonthlyPaymentAmount
},
new LoanPayment()
{
MonthNumber = 24, PaymentDate = new System.DateTime(2021, 05, 03), PaymentAmount = _loanSummary.FinalPaymentAmount
}
};
_loanPaymentSchedule = new LoanPaymentSchedule()
{
LoanPayments = _loanPayments
};
}
