static void DisplayLoanInformation(PaymentCalculator calculator)
{
Console.WriteLine("Purchase Price: {0:C}", calculator.PurchasePrice);
Console.WriteLine("Down Payment: {0:C}", calculator.DownPayment);
Console.WriteLine("Loan Amount: {0:C}", calculator.LoanAmount);
Console.WriteLine("Annual Interest Rate: {0}%", calculator.InterestRate);
Console.WriteLine("Term: {0} years ({1} months)", calculator.LoanTermYears, calculator.LoanTermMonths);
Console.WriteLine("Monthly Payment: {0:C}", calculator.CalculatePayment());
Console.WriteLine();
}
private void Initialize()
{
Name = Name ?? "Default Name";
Years = Math.Max(1, Years);
HomePurchaseAmount = Math.Max(1m, HomePurchaseAmount).ToDollars();
OwnerDownPaymentPercentage = Math.Min(Math.Max(0m, OwnerDownPaymentPercentage), 100).ToPercent();
OwnerDownPayment = (HomePurchaseAmount * OwnerDownPaymentPercentage).ToDollars();
OwnerInterestRatePerYear = Math.Min(Math.Max(0m, OwnerInterestRatePerYear), 100).ToPercent();
OwnerLoanAmount = HomePurchaseAmount - OwnerDownPayment;
OwnerLoanYears = Math.Max(1, OwnerLoanYears);
OwnerMonthlyPayment = PaymentCalculator.CalculatePayment(OwnerLoanAmount, OwnerInterestRatePerYear, OwnerLoanYears);
LandlordDownPaymentPercentage = LandlordDownPaymentPercentage ?? OwnerDownPaymentPercentage;
LandlordDownPaymentPercentage = Math.Min(Math.Max(0m, LandlordDownPaymentPercentage.Value), 100).ToPercent();
LandlordDownPayment = (HomePurchaseAmount * LandlordDownPaymentPercentage.Value).ToDollars();
LandlordInterestRatePerYear = LandlordInterestRatePerYear ?? OwnerInterestRatePerYear;
LandlordInterestRatePerYear = Math.Min(Math.Max(0m, LandlordInterestRatePerYear.Value), 100).ToPercent();
LandlordManagementFeePercentagePerMonth = Math.Min(Math.Max(0m, LandlordManagementFeePercentagePerMonth), 100).ToPercent();
LandlordVacancyFeePercentage = Math.Min(Math.Max(0m, LandlordVacancyFeePercentage), 100).ToPercent();
LandlordLoanAmount = HomePurchaseAmount - LandlordDownPayment;
LandlordLoanYears = Math.Max(1, LandlordLoanYears ?? OwnerLoanYears);
LandlordMonthlyPayment = PaymentCalculator.CalculatePayment(LandlordLoanAmount, LandlordInterestRatePerYear.Value, LandlordLoanYears.Value);
DiscountRatePerYear = Math.Min(Math.Max(0m, DiscountRatePerYear), 100).ToPercent();
CapitalGainsRatePerYear = Math.Min(Math.Max(0m, CapitalGainsRatePerYear), 100).ToPercent();
MarginalTaxRatePerYear = Math.Min(Math.Max(0m, MarginalTaxRatePerYear), 100).ToPercent();
InflationRatePerYear = Math.Min(Math.Max(0m, InflationRatePerYear), 100).ToPercent();
BuyerFixedCosts = Math.Max(0m, BuyerFixedCosts).ToDollars();
BuyerVariableCostsPercentage = Math.Min(Math.Max(0m, BuyerVariableCostsPercentage), 100).ToPercent();
PropertyTaxPercentagePerYear = Math.Min(Math.Max(0m, PropertyTaxPercentagePerYear), 100).ToPercent();
InsurancePerMonth = Math.Max(0m, InsurancePerMonth).ToDollarCents();
HoaPerMonth = Math.Max(0m, HoaPerMonth).ToDollarCents();
HomeAppreciationPercentagePerYear = Math.Min(Math.Max(0m, HomeAppreciationPercentagePerYear ?? InflationRatePerYear), 100).ToPercent();
HomeMaintenancePercentagePerYear = Math.Min(Math.Max(0m, HomeMaintenancePercentagePerYear), 100).ToPercent();
SellerCommissionPercentage = Math.Min(Math.Max(0m, SellerCommissionPercentage), 100).ToPercent();
SellerFixedCosts = Math.Max(0m, SellerFixedCosts).ToDollars();
DepreciationYears = Math.Max(1, DepreciationYears).ToValue();
DepreciablePercentage = Math.Min(Math.Max(0m, DepreciablePercentage), 100).ToPercent();
RentChangePerYearPercentage = Math.Min(Math.Max(0m, RentChangePerYearPercentage ?? HomeAppreciationPercentagePerYear ?? InflationRatePerYear), 100).ToPercent();
var defaultRent =
OwnerMonthlyPayment +
InsurancePerMonth +
HoaPerMonth +
HomePurchaseAmount * PropertyTaxPercentagePerYear / 12 +
HomePurchaseAmount * HomeMaintenancePercentagePerYear / 12;
RentPerMonth = Math.Max(1m, RentPerMonth ?? defaultRent).ToDollars();
RentersInsurancePerMonth = Math.Max(0m, RentersInsurancePerMonth).ToDollarCents();
RentSecurityDepositMonths = Math.Max(0, RentSecurityDepositMonths);
}
public decimal LoanPayment(decimal purchaseprice, decimal interestRate, double loanyears)
{
var pCalculator = new PaymentCalculator
{
PurchasePrice = purchaseprice,
InterestRate = interestRate,
LoanTermYears = loanyears
};
return(pCalculator.CalculatePayment());
}
public void PaymentCalculatorTest()
{
const decimal compareamount = (decimal)966.64;
var paymentcalc = new PaymentCalculator();
paymentcalc.PurchasePrice = 50000;
paymentcalc.InterestRate = (decimal)6.0;
paymentcalc.LoanTermYears = 5;
var acutalCalculatePayment = paymentcalc.CalculatePayment();
Assert.AreEqual(acutalCalculatePayment, compareamount);
}
static void Main(string[] args)
{
_mortgagesDAL = new MortgagesDAL();
var mortgage = new Mortgage();
var address = new Address();
Console.WriteLine("Calculate your new mortgage!");
Console.WriteLine();
Console.WriteLine("Please create or enter your User Name?");
mortgage.UserName = Console.ReadLine();
Console.WriteLine();
Console.WriteLine("What is your purchase price?");
mortgage.PurchasePrice = double.Parse(Console.ReadLine());
Console.WriteLine();
Console.WriteLine("What is your down payment?");
mortgage.DownPayment = double.Parse(Console.ReadLine());
Console.WriteLine();
Console.WriteLine("What is the interest rate?");
mortgage.InterestRate = double.Parse(Console.ReadLine());
Console.WriteLine();
Console.WriteLine("How long will your loan be? 15 years or 30 years?");
mortgage.TermLength = double.Parse(Console.ReadLine());
Console.WriteLine();
Console.WriteLine("What are your yearly taxes?");
mortgage.Taxes = double.Parse(Console.ReadLine());
Console.WriteLine();
Console.WriteLine("How much is your Homeowner's Insurance per year?");
mortgage.Insurance = double.Parse(Console.ReadLine());
Console.WriteLine();
//calculate payment with taxes and insurance
PaymentCalculator calculatePayment = new PaymentCalculator();
double printPayment = calculatePayment.CalculatePayment(mortgage.PurchasePrice, mortgage.DownPayment, mortgage.InterestRate, mortgage.TermLength, mortgage.Taxes, mortgage.Insurance);
// Displays Mortgage Payment
Console.WriteLine($"Your new mortgage, including taxes and insurance is ${printPayment}. ");
Console.WriteLine("Would you like to SAVE this mortgage to an address, Y or N?");
string input = Console.ReadLine();
if (input == "N")
{
Console.WriteLine("Would you like to try another query, Y or N?");
string input2 = Console.ReadLine();
if (input2 == "N")
{
Console.WriteLine("Thank you and goodbye!");
}
else
{
Console.WriteLine("Press ENTER to start over");
}
}
else
{
_mortgagesDAL.SubmitMortgage(mortgage);
Console.WriteLine("What is the property street address?");
address.Street = Console.ReadLine();
Console.WriteLine();
Console.WriteLine("What city is the property located in?");
address.City = Console.ReadLine();
_mortgagesDAL.SubmitAddress(address);
}
}
