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 CalculatePaymentPlanShouldWorkCorrectly()
{
//Arrange
var @object = new CalculatePaymentPlanParameters
{
LoanAmount = 60000,
InterestRateAsPercentage = 1.2,
ProductType = ProductType.PersonalLoan,
MaturityInMonths = 48,
BankCommissionCollectionType = BankCommissionCollectionTypes.BankCommissionSubtractedFromPrincipalAtFirst
};
//Act
var sut = PaymentPlan.CalculatePaymentPlan(@object);
//Assert
sut.PaymentPlan.Should().NotBeEmpty();
}
