public T GetByID(int id)
{
return(LoanSet.Find(id));
}
private LoanSet SnowballAlg(DateTime runDate)
{
var ls = new LoanSet()
{
RunDate = runDate,
};
ls.Loans = new List <Loan>
{
//new Loan("B Nelnet 1", 0m, 0m, 6.550m, 0m, new DateTime(2017,10,23)),
//new Loan("B Navient 1", 0m, 0m, 6.800m, 0m, new DateTime(2017,11,7)),
//new Loan("Kay CC", 0m, 0m, 0m, 0m, new DateTime(2017,11,16)),
//new Loan("EJ Nelnet", 0m, 0m, 6.050m, 0m, new DateTime(2017,11,27)),
//new Loan("EJ Navient", 0m, 0m, 6.800m, 0m, new DateTime(2017,11,23)),
//new Loan("B Navient 2", 0m, 52m, 6.800m, 0m, new DateTime(2018,2,07)),
//new Loan("Goodyear", 152m, 100m, 0m, 0m, new DateTime(2018,02,04)),
//new Loan("B Nelnet 2", 0m, 68m, 6.550m, 80m, new DateTime(2018,05,15)),
new Loan("VACU CC", 818.82m, 102m, 10.990m, 191m, new DateTime(2019, 1, 15))
{
OneTimePayments = new List <Payment> {
new Payment()
{
Date = new DateTime(2019, 02, 08),
Amount = 293m,
}
}
},
new Loan("Home Depot", 3824.51m, 46m, 0m, 54m, new DateTime(2019, 1, 25)),
//{ OneTimePayments = new List<Payment>{ new Payment()
// {
// Date = new DateTime(2019, 04, 25),
// Amount = 3000m,
// } } },
new Loan("JRAC HVAC", 4750m, 125m, 0m, 0m, new DateTime(2019, 1, 05), false),
new Loan("B Discover", 15000.00m, 350m, 15.24m, 0m, new DateTime(2019, 1, 28)),
new Loan("EJ Discover", 24922.62m, 509m, 15.24m, 0m, new DateTime(2019, 1, 28)),
//{ OneTimePayments = new List<Payment>{ new Payment()
// {
// Date = new DateTime(2019, 04, 25),
// Amount = 3000m,
// } } },
new Loan("Durango", 17534.03m, 543.95m, 3.700m, 0m, new DateTime(2019, 1, 28)),
new Loan("Discover Loan", 25945.91m, 583.42m, 13.990m, 0m, new DateTime(2019, 1, 18)),
new Loan("Mortgage", 179570.60m, 876.26m, 3.750m, 0m, new DateTime(2019, 1, 01)),
};
Loan previousLoan = null;
//for each loan
foreach (var loan in ls.Loans.OrderBy(al => al.Original_AmountRemaining).ToList())
{
if (previousLoan != null)
{
loan.SnowballPaymentAmount = previousLoan.MonthlyPayment + previousLoan.ExtraPaymentAmount + previousLoan.SnowballPaymentAmount;
}
//compute next payment date
var date = loan.MonthlyPaymentDate;
decimal computedAmountRemaining = loan.Original_AmountRemaining;
//compute snowball payment (including interest
while (computedAmountRemaining > 0)
{
var currentAmountRemaining = computedAmountRemaining;
var monthNumber = ((loan.MonthlyPaymentDate.Month + loan.MonthsToPayOff) % 12);
var interestDays = DateTime.DaysInMonth(
(loan.MonthlyPaymentDate.Year + (ls.RunDate.Year - loan.MonthlyPaymentDate.Year)),
monthNumber > 0 ? monthNumber : 12);
for (int j = 0; j < interestDays; j++)
{
date = date.AddDays(1);
//handling one time payments
foreach (var otp in loan.OneTimePayments.Where(p => p.Date.Date == date.Date))
{
if (date.Date >= ls.RunDate.Date)
{
loan.Payments.Add(new Payment()
{
Date = date,
Amount = otp.Amount,
Interest = computedAmountRemaining - currentAmountRemaining,
LoanAmount = computedAmountRemaining - otp.Amount,
});
}
computedAmountRemaining -= otp.Amount;
currentAmountRemaining = computedAmountRemaining;
}
computedAmountRemaining += computedAmountRemaining * (((loan.InterestRate / 12) / interestDays) / 100);
if (date.Date <= ls.RunDate.Date)
{
loan.Current_AmountRemaining = computedAmountRemaining;
}
}
var payment = new Payment()
{
Date = date,
Amount = loan.MonthlyPayment + loan.ExtraPaymentAmount,
Interest = computedAmountRemaining - currentAmountRemaining,
LoanAmount = computedAmountRemaining,
};
if (previousLoan == null || loan.MonthsToPayOff >= previousLoan.MonthsToPayOff)
{
payment.Amount += loan.SnowballPaymentAmount;
loan.TotalMonthsSnowballed++;
}
if (previousLoan != null && loan.MonthsToPayOff == previousLoan.MonthsToPayOff - 1)
{
payment.Amount += previousLoan.PayoffMonthlyPaymentExtra;
}
//when the amount left is smaller than the total payment we were going to make, reset
if (computedAmountRemaining <= payment.Amount)
{
loan.PayoffMonthlyPaymentExtra = payment.Amount - computedAmountRemaining;
payment.Amount = computedAmountRemaining;
}
computedAmountRemaining -= payment.Amount;
if (date.Date <= ls.RunDate.Date)
{
loan.Current_AmountRemaining = computedAmountRemaining;
loan.MonthsPaid++;
}
else
{
loan.Payments.Add(payment);
}
loan.MonthsToPayOff++;
}
loan.New_ProjectedPayoffDate = date;
previousLoan = loan;
}
ls.TotalOutstanding = ls.Loans.Sum(al => al.Current_AmountRemaining);
ls.TotalPaid = ls.Loans.Sum(al => al.Original_AmountRemaining - al.Current_AmountRemaining);
//ls.Loans.RemoveAll(l => l.Current_AmountRemaining <= 0);
return(ls);
}
public T GetByCode(byte code)
{
return(LoanSet.Find(code));
}
public ActionResult Snowball(LoanSet model)
{
var ls = SnowballAlg(model.RunDate);
return(View("Snowball", ls));
}
