public Loan(decimal principal, double rate, DateTime startDate, int duration, Calendar calendar)
{
m_principal = principal;
m_rate = rate;
m_startDate = startDate;
m_calendar = calendar;
int nPaymentsPerYear = 12; // Monthly; duration - months
double flowRate = rate / nPaymentsPerYear;
m_payment = (decimal) (((double) principal * flowRate) / (1 - 1 / Math.Pow(1 + flowRate, duration)));
decimal amount = principal;
DateTime date = startDate; // ! paying immediately, percents for the month forward; in case of full deal the principal payment would be 1 month off
m_payments = new List<Cashflow>(duration);
for (long i = 0; i < duration; ++i)
{
decimal interestPayment = (decimal) ((double) amount * flowRate);
decimal principalPayment = m_payment - interestPayment;
amount -= principalPayment;
m_payments.Add(new Cashflow(date, principalPayment, interestPayment));
date = date.AddMonths(1); // don't respect calendar
}
Debug.Assert(Math.Abs(amount) < 0.01m);
Debug.Assert(m_payments.Count == duration);
}
public void Add(Calendar calendar)
{
calendars.Add(calendar);
}