public static List <MonthDetail> CalculateFixedRateCashflow(IEnumerable <Loan> loans)
{
List <MonthDetail> flow = new List <MonthDetail>();
List <List <MonthDetail> > workingFlow = new List <List <MonthDetail> >();
if (loans == null || !loans.Any())
{
return(flow);
}
foreach (var loan in loans)
{
workingFlow.Add(CalculateFixedRateCashflow(loan));
}
int maxMonth = workingFlow.Max(f => f.Count);
for (int i = 0; i < maxMonth; ++i)
{
MonthDetail detail = new MonthDetail();
detail.Month = i + 1;
foreach (var loanFlow in workingFlow)
{
if (loanFlow.Count > i)
{
detail.Interest += loanFlow.ElementAt(i).Interest;
detail.Principal += loanFlow.ElementAt(i).Principal;
detail.RemainingBalance += loanFlow.ElementAt(i).RemainingBalance;
}
}
flow.Add(detail);
}
return(flow);
}
public static List <MonthDetail> CalculateFixedRateCashflow(Loan loan)
{
List <MonthDetail> flow = new List <MonthDetail>();
double totalMonthlyPayment = GetTotalMonthlyPayment(loan);
double remainingBalance = loan.Balance;
for (int i = 0; i < loan.Term; ++i)
{
MonthDetail detail = new MonthDetail();
detail.Month = i + 1;
detail.Interest = remainingBalance * loan.Rate / 1200;
detail.Principal = totalMonthlyPayment - detail.Interest;
remainingBalance -= detail.Principal;
detail.RemainingBalance = remainingBalance;
flow.Add(detail);
}
return(flow);
}
