public void TestCreditCardInstallmentPlan()
{
SimpleLoanCalculationRequest request = new SimpleLoanCalculationRequest();
request.Amount = (decimal)100000;
request.Currency = "RSD";
request.StardDate = new DateTime(2019, 10, 3);
request.RegularInterest = new List <InterestRateEntry>();
request.RegularInterest.Add(new InterestRateEntry()
{
Date = request.StardDate,
RatePercentage = 12,
IsCompound = false,
CalendarBasis = CalendarBasisKind.Calendar30E360,
RateUnitOfTime = SimpleUnitOfTime.Y,
Name = "Kamata"
});
request.InstallmentSchedule = new SimpleSchedule();
request.InstallmentSchedule.DayOfMonth = 0;
request.MinimumDaysForFirstInstallment = 0;
request.NumberOfInstallments = 1;
request.RepaymentType = RepaymentType.Bullet;
request.InstallmentSchedule.FrequencyPeriod = 1;
request.InstallmentSchedule.FrequencyUnitOfTime = SimpleUnitOfTime.Y;
//request.IntercalarInterestRepaymentType = IntercalarInterestRepaymentType.WithFirstInstallment;
request.InterestSchedule = new SimpleSchedule();
request.InterestSchedule.DayOfMonth = 31;
request.InterestSchedule.FrequencyPeriod = 1;
request.InterestSchedule.FrequencyUnitOfTime = SimpleUnitOfTime.M;
request.ForceInterestWithInstallment = true;
request.Fees = new List <FeeEntry>();
// Ne znam detalje pojedinacnih troskova, pa sam spojio u jedan fiksni iznos koji se vidi na amortplanu
request.Fees.Add(new FeeEntry()
{
FixedAmount = (decimal)500,
Currency = "RSD",
Date = request.StardDate,
Kind = FeeConditionKind.OriginationFee,
Frequency = FeeConditionFrequency.EventTriggered,
CalculationBasisType = CalculationBasisType.ContractAmount,
Name = "Naknada za obradu kreditnog zahteva, Kreditni biro, Menice"
});
var result = InstallmentPlanCalculation.CalculateInstallmentPlan(request);
var someInr = result.Rows.Where(it => it.Date == new DateTime(2020, 3, 31)).First().InterestRepayment;
var sumRepayment = result.Rows.Sum(it => it.PrincipalRepayment);
Assert.True(sumRepayment == request.Amount);
Assert.True(result.Rows.Count == 14);
//Assert.True(Math.Round(result.APR, 2) == (decimal)18.39);
Assert.True(Math.Round(result.Annuity, 2) == (decimal)100000);
Assert.True(result.Rows[1].PrincipalRepayment == (decimal)0);
Assert.True(result.Rows[1].InterestRepayment == (decimal)900);
Assert.True(result.Rows[2].InterestRepayment == (decimal)1000);
Assert.True(result.Rows.Last().PrincipalRepayment == (decimal)100000);
Assert.True(Math.Round(someInr, 2) == (decimal)1033.33);
}
public void TestSimpleInstallmentPlanCalculationCase4()
{
SimpleLoanCalculationRequest request = new SimpleLoanCalculationRequest();
request.Amount = (decimal)95500;
request.Currency = "RSD";
request.StardDate = new DateTime(2019, 10, 3);
request.RegularInterest = new List <InterestRateEntry>();
request.RegularInterest.Add(new InterestRateEntry()
{
Date = request.StardDate,
RatePercentage = 15.950,
IsCompound = false,
CalendarBasis = CalendarBasisKind.Calendar30E360,
RateUnitOfTime = SimpleUnitOfTime.Y,
Name = "Kamata"
});
request.InstallmentSchedule = new SimpleSchedule();
request.InstallmentSchedule.DayOfMonth = 5;
request.MinimumDaysForFirstInstallment = 20;
request.NumberOfInstallments = 60;
request.RepaymentType = RepaymentType.FixedAnnuity;
request.InstallmentSchedule.FrequencyPeriod = 1;
request.InstallmentSchedule.FrequencyUnitOfTime = SimpleUnitOfTime.M;
request.IntercalarInterestRepaymentType = IntercalarInterestRepaymentType.WithFirstInstallment;
request.Fees = new List <FeeEntry>();
// Ne znam detalje pojedinacnih troskova, pa sam spojio u jedan fiksni iznos koji se vidi na amortplanu
request.Fees.Add(new FeeEntry()
{
FixedAmount = (decimal)2158.25,
Currency = "RSD",
Date = request.StardDate,
Kind = FeeConditionKind.OriginationFee,
Frequency = FeeConditionFrequency.EventTriggered,
CalculationBasisType = CalculationBasisType.ContractAmount,
Name = "Naknada za obradu kreditnog zahteva, Kreditni biro, Menice"
});
request.AdjustFirstInstallment = true; // strange logic, but ok...
var result = InstallmentPlanCalculation.CalculateInstallmentPlan(request);
var someInr = result.Rows.Where(it => it.Date == new DateTime(2020, 3, 5)).First().InterestRepayment;
var sumRepayment = result.Rows.Sum(it => it.PrincipalRepayment);
Assert.True(sumRepayment == request.Amount);
Assert.True(result.Rows.Count == 61);
Assert.True(Math.Round(result.APR, 2) == (decimal)18.39);
Assert.True(Math.Round(result.Annuity, 2) == (decimal)2319.84);
Assert.True(result.Rows[1].PrincipalRepayment == (decimal)1050.49);
// Imamo razliku u zaokruzivanju
// Assert.True(result.Rows[1].InterestRepayment == (decimal)1353.98);
Assert.True(result.Rows[1].InterestRepayment == (decimal)1353.97);
Assert.True(result.Rows.Last().PrincipalRepayment == (decimal)2289.23);
Assert.True(Math.Round(someInr, 2) == (decimal)1212.38);
}
public void TestSimpleInstallmentPlanCalculationCase2()
{
SimpleLoanCalculationRequest request = new SimpleLoanCalculationRequest();
request.Amount = (decimal)4060.92;
request.Currency = "EUR";
request.StardDate = new DateTime(2019, 10, 30);
request.RegularInterest = new List <InterestRateEntry>();
request.RegularInterest.Add(new InterestRateEntry()
{
Date = request.StardDate,
RatePercentage = 3.990,
IsCompound = false,
CalendarBasis = CalendarBasisKind.Calendar30E360,
RateUnitOfTime = SimpleUnitOfTime.Y,
Name = "Kamata"
});
request.InstallmentSchedule = new SimpleSchedule();
request.InstallmentSchedule.DayOfMonth = 20;
request.MinimumDaysForFirstInstallment = 20;
request.NumberOfInstallments = 36;
request.RepaymentType = RepaymentType.FixedAnnuity;
request.InstallmentSchedule.FrequencyPeriod = 1;
request.InstallmentSchedule.FrequencyUnitOfTime = SimpleUnitOfTime.M;
request.IntercalarInterestRepaymentType = IntercalarInterestRepaymentType.WithFirstInstallment;
request.Fees = new List <FeeEntry>();
request.Fees.Add(new FeeEntry()
{
Percentage = (decimal)1.5,
Date = request.StardDate,
Kind = FeeConditionKind.OriginationFee,
Frequency = FeeConditionFrequency.EventTriggered,
CalculationBasisType = CalculationBasisType.ContractAmount,
Name = "Naknada za obradu kreditnog zahteva"
});
request.AdjustFirstInstallment = true; // strange logic, but ok...
var result = InstallmentPlanCalculation.CalculateInstallmentPlan(request);
var someInr = result.Rows.Where(it => it.Date == new DateTime(2020, 3, 20)).First().InterestRepayment;
var sumRepayment = result.Rows.Sum(it => it.PrincipalRepayment);
Assert.True(sumRepayment == request.Amount);
Assert.True(result.Rows.Count == 37);
Assert.True(Math.Round(result.APR, 2) == (decimal)5.13);
Assert.True(Math.Round(result.Annuity, 2) == (decimal)119.88);
Assert.True(result.Rows[1].PrincipalRepayment == (decimal)106.38);
Assert.True(result.Rows[1].InterestRepayment == (decimal)9.00);
Assert.True(result.Rows.Last().PrincipalRepayment == (decimal)119.32);
Assert.True(Math.Round(someInr, 2) == (decimal)12.08);
}
public void TestSimpleInstallmentPlanCalculationCase1b()
{
SimpleLoanCalculationRequest request = new SimpleLoanCalculationRequest();
//request.Amount = (decimal)16741.12;
request.Annuity = (decimal)228.75;
request.CalculationTarget = CalculationTarget.Amount;
request.Currency = "EUR";
request.StardDate = new DateTime(2019, 10, 24);
request.RegularInterest = new List <InterestRateEntry>();
request.RegularInterest.Add(new InterestRateEntry()
{
Date = request.StardDate,
RatePercentage = 3.990,
IsCompound = false,
CalendarBasis = CalendarBasisKind.Calendar30E360,
RateUnitOfTime = SimpleUnitOfTime.Y,
Name = "Kamata"
});
request.InstallmentSchedule = new SimpleSchedule();
request.InstallmentSchedule.DayOfMonth = 5;
request.MinimumDaysForFirstInstallment = 20;
request.NumberOfInstallments = 84;
request.RepaymentType = RepaymentType.FixedAnnuity;
request.InstallmentSchedule.FrequencyPeriod = 1;
request.InstallmentSchedule.FrequencyUnitOfTime = SimpleUnitOfTime.M;
request.IntercalarInterestRepaymentType = IntercalarInterestRepaymentType.WithFirstInstallment;
request.Fees = new List <FeeEntry>();
request.Fees.Add(new FeeEntry()
{
Percentage = (decimal)1.5,
Date = request.StardDate,
Kind = FeeConditionKind.OriginationFee,
Frequency = FeeConditionFrequency.EventTriggered,
CalculationBasisType = CalculationBasisType.ContractAmount,
Name = "Naknada za obradu kreditnog zahteva"
});
request.Fees.Add(new FeeEntry()
{
FixedAmount = (decimal)2.47,
Currency = "EUR",
Date = new DateTime(2019, 12, 5),
Kind = FeeConditionKind.Expense,
Frequency = FeeConditionFrequency.Monthly,
CalculationBasisType = CalculationBasisType.PrecalculatedAmount,
Name = "Trosak otvaranja i vodjenja racuna"
});
request.Fees.Add(new FeeEntry()
{
FixedAmount = (decimal)(673.01 - 2.47),
Currency = "EUR",
Date = new DateTime(2019, 12, 5),
Kind = FeeConditionKind.Expense,
Frequency = FeeConditionFrequency.Yearly,
CalculationBasisType = CalculationBasisType.PrecalculatedAmount,
Name = "Osiguranje nepokretnosti"
});
request.AdjustFirstInstallment = true; // strange logic, but ok...
var result = InstallmentPlanCalculation.CalculateInstallmentPlan(request);
var someInr = result.Rows.Where(it => it.Date == new DateTime(2020, 3, 5)).First().InterestRepayment;
var sumRepayment = result.Rows.Sum(it => it.PrincipalRepayment);
Assert.True(sumRepayment == request.Amount);
Assert.True(result.Rows.Count == 85);
Assert.True(result.Rows.Last().PrincipalRepayment == (decimal)227.96);
Assert.True(Math.Round(result.APR, 2) == (decimal)12.47);
Assert.True(Math.Round(result.Amount, 2) == (decimal)16740.82);
Assert.True(Math.Round(someInr, 2) == (decimal)53.93);
}
public void TestSimpleInstallmentPlanCalculationCase29th()
{
SimpleLoanCalculationRequest request = new SimpleLoanCalculationRequest();
request.Amount = (decimal)200000.00;
//request.Annuity = (decimal)228.75;
request.CalculationTarget = CalculationTarget.Annuity;
request.Currency = "RSD";
request.StardDate = new DateTime(2020, 1, 29);
request.RegularInterest = new List <InterestRateEntry>();
request.RegularInterest.Add(new InterestRateEntry()
{
Date = request.StardDate,
RatePercentage = 7.95,
IsCompound = false,
CalendarBasis = CalendarBasisKind.Calendar30E360,
RateUnitOfTime = SimpleUnitOfTime.Y,
Name = "Kamata"
});
request.InstallmentSchedule = new SimpleSchedule();
request.InstallmentSchedule.DayOfMonth = 5;
request.MinimumDaysForFirstInstallment = 20;
request.NumberOfInstallments = 36;
request.RepaymentType = RepaymentType.FixedAnnuity;
request.InstallmentSchedule.FrequencyPeriod = 1;
request.InstallmentSchedule.FrequencyUnitOfTime = SimpleUnitOfTime.M;
request.IntercalarInterestRepaymentType = IntercalarInterestRepaymentType.WithFirstInstallment;
request.Fees = new List <FeeEntry>();
request.Fees.Add(new FeeEntry()
{
Percentage = (decimal)2,
Date = request.StardDate,
Kind = FeeConditionKind.OriginationFee,
Frequency = FeeConditionFrequency.EventTriggered,
CalculationBasisType = CalculationBasisType.ContractAmount,
Name = "Naknada za obradu kreditnog zahteva"
});
request.Fees.Add(new FeeEntry()
{
FixedAmount = (decimal)245.00,
Currency = "RSD",
Date = new DateTime(2020, 1, 29),
Kind = FeeConditionKind.Expense,
Frequency = FeeConditionFrequency.EventTriggered,
CalculationBasisType = CalculationBasisType.PrecalculatedAmount,
Name = "Trošak KB"
});
request.AdjustFirstInstallment = true; // strange logic, but ok...
request.InterestSchedule = null;
var result = InstallmentPlanCalculation.CalculateInstallmentPlan(request);
var someInr = result.Rows.Where(it => it.Date == new DateTime(2020, 3, 5)).First().InterestRepayment;
var sumRepayment = result.Rows.Sum(it => it.PrincipalRepayment);
Assert.True(sumRepayment == request.Amount);
Assert.True(result.Rows.Count == 37);
Assert.True(result.Rows.Last().PrincipalRepayment == (decimal)6221.49);
Assert.True(Math.Round(result.APR, 2) == (decimal)9.82);
Assert.True(Math.Round(result.Annuity, 2) == (decimal)6262.66);
Assert.True(Math.Round(someInr, 2) == (decimal)1590.00);
}
