private void loanPaymentPlanner(LoanItem loanItem)
{
int monthsLeft = loanItem.MonthLeft;
decimal interestRate = loanItem.Rate;
decimal originalBalance = loanItem.Balance;
decimal remainingBalance = originalBalance;
decimal totalMonthlyPayment = getTotalMonthlyPayment(originalBalance, interestRate, monthsLeft); // equal amount is paid every month
List <PaymentPlanItem> ppiList = new List <PaymentPlanItem>();
//loops through all months given to repay loanItem and creates a full repayment plan.
for (int month = 0; month < monthsLeft; month++)
{
decimal interestPayment = getInterestPayment(remainingBalance, interestRate);
decimal principalPayment = getPrincipalPayment(totalMonthlyPayment, interestPayment);
//above this line is previous remainingBalance
remainingBalance = getRemainingBalance(remainingBalance, principalPayment);
PaymentPlanItem ppi = new PaymentPlanItem(loanItem.Id, month + 1, interestPayment, principalPayment, remainingBalance);
ppiList.Add(ppi);
}
_context.PaymentPlanItems.AddRange(ppiList);
_context.SaveChanges();
}
public static CalculatePaymentPlanReturnValues CalculatePaymentPlan(CalculatePaymentPlanParameters parameters)
{
var totalTaxRatio = TotalTaxRatio.Get(parameters.ProductType);
var effectiveLoanAmount = EffectiveLoanAmount.Get(parameters.BankCommissionCollectionType,
parameters.LoanAmount,
parameters.TotalFee);
var monthlyInstallment = MonthlyInstallment.Get(new CalculateMonthlyInstallmentParameters
{
InterestRateAsPercentage = parameters.InterestRateAsPercentage,
LoanAmount = parameters.LoanAmount,
MaturityInMonths = parameters.MaturityInMonths,
ProductType = parameters.ProductType
});
var returnValues = new CalculatePaymentPlanReturnValues
{
PaymentPlan = new List <PaymentPlanItem>(),
TotalInstallment = 0,
TotalTax = 0,
MonthlyInstallment = monthlyInstallment.MonthlyInstallment
};
var remainingLoanAmount = effectiveLoanAmount;
for (var i = 0; i < parameters.MaturityInMonths; i++)
{
var paymentPlanItem = new PaymentPlanItem
{
Period = i + 1,
Installment = returnValues.MonthlyInstallment,
Interest = remainingLoanAmount * parameters.InterestRateAsPercentage / 100
};
paymentPlanItem.Tax = paymentPlanItem.Interest * totalTaxRatio;
paymentPlanItem.Principal = paymentPlanItem.Installment - paymentPlanItem.Interest - paymentPlanItem.Tax;
remainingLoanAmount -= paymentPlanItem.Principal;
paymentPlanItem.RemainingLoanAmount = remainingLoanAmount;
returnValues.PaymentPlan.Add(paymentPlanItem);
returnValues.TotalInterest += paymentPlanItem.Interest;
returnValues.TotalTax += paymentPlanItem.Tax;
}
returnValues.TotalInstallment = returnValues.MonthlyInstallment * parameters.MaturityInMonths;
returnValues.TotalPayback = TotalPayback.Get(parameters.BankCommissionCollectionType,
returnValues.MonthlyInstallment,
parameters.MaturityInMonths,
parameters.TotalFee);
return(returnValues);
}
public void TestContractUpload()
{
ContractUploadBuinessService uploadContract = new ContractUploadBuinessService();
List <Contract> list = new List <Contract>();
Contract c = new Contract();
c.Amount = 100;
c.Comment = "UR1";
//c.CompletionDate = DateTime.Now;
c.Currency = "USD";
c.CustomerDetails = "Новое ООО Денис";
c.CustomerId = 0;
c.RateCBRPercents = null;
c.Rate = 1;
c.Date = DateTime.Now;
c.DateFrom = DateTime.Now.AddDays(-10);
c.DateTo = DateTime.Now.AddDays(10);
c.ExecutorDetails = "ExecutorDetails";
c.ExecutorId = 0;
c.Id = "24";
c.Manager = "test";
c.Number = 212042011;
c.PaymentTerms = "Условия оплаты";
c.Prefix = "GH";
Contract sc1 = new Contract();
sc1.Amount = 5;
sc1.Comment = "UR1_sub";
sc1.CompletionDate = DateTime.Now;
sc1.Currency = "USD";
sc1.CustomerDetails = "Новое ООО Денис";
sc1.CustomerId = 0;
sc1.Date = DateTime.Now;
sc1.DateFrom = DateTime.Now.AddDays(-10);
sc1.DateTo = DateTime.Now.AddDays(10);
sc1.ExecutorDetails = "ExecutorDetails";
sc1.ExecutorId = 0;
sc1.Id = "25";
sc1.Manager = "test";
sc1.Number = 212042011;
sc1.PaymentTerms = "Условия оплаты";
sc1.Prefix = "GH";
c.Subcontracts = new List <Contract>()
{
sc1
};
var pi1 = new PaymentPlanItem()
{
Amount = 10,
Comment = "PI1-New",
Date = DateTime.Now,
DateFrom = DateTime.Now,
DateTo = DateTime.Now,
FromEmployee = 0,
ToEmployee = 0,
Id = 10050217,
Number = 100,
PaymentTerms = "PT1-000",
Prefix = "P1",
FactPay = true,
DogId = "02042012"
};
var pi2 = new PaymentPlanItem()
{
Amount = 12,
Comment = "PI2",
Date = DateTime.Now,
DateFrom = DateTime.Now,
DateTo = DateTime.Now,
FromEmployee = 0,
ToEmployee = 0,
Id = 1005022,
Number = 102,
PaymentTerms = "PT2-000",
Prefix = "P2",
FactPay = true,
DogId = "25"
};
var spi1 = new PaymentPlanItem()
{
Amount = 1000,
Comment = "spi1",
Date = DateTime.Now,
DateFrom = DateTime.Now,
DateTo = DateTime.Now,
FromEmployee = 0,
ToEmployee = 0,
Id = 123,
Number = 100,
PaymentTerms = "PT1-000",
Prefix = "P1",
FactPay = true,
DogId = "25"
};
var spi2 = new PaymentPlanItem()
{
Amount = 1000,
Comment = "spi2",
Date = DateTime.Now,
DateFrom = DateTime.Now,
DateTo = DateTime.Now,
FromEmployee = 0,
ToEmployee = 0,
Id = 124,
Number = 102,
PaymentTerms = "PT2-000",
Prefix = "P2",
FactPay = false,
DogId = "25"
};
c.PaymentPlan = new List <PaymentPlanItem>()
{
pi1, pi2, spi1, spi2
};
//sc1.PaymentPlan = new List<PaymentPlanItem>() { spi1, spi2 };
list.Add(c);
var result = uploadContract.UploadContract(list);
Assert.IsNull(result);
}
