public Home(string name, DateTime purchasedAt, decimal purchasePrice, decimal downPayment, IMortgage mortgage, decimal monthlyMaintenanceFees = 0.00M) : base(name, purchasePrice)
{
Financing = mortgage;
PurchasedAt = new DateTime(purchasedAt.Year, purchasedAt.Month, purchasedAt.Day);
DownPayment = downPayment;
MonthlyMaintenanceFees = monthlyMaintenanceFees;
}
public Payment(IMortgage mortgage, DateTime at, decimal previousBalance, decimal interest, decimal principal)
{
Mortgage = mortgage;
At = at;
Interest = decimal.Round(interest, 2);
Principal = decimal.Round(principal, 2);
Balance = decimal.Round(previousBalance - Principal, 2);
}
public InsuredMortgage(IMortgage baseMortgage, decimal downPayment)
{
var rate = downPayment / (downPayment + baseMortgage.InitialValue);
ValidateInsuranceRate(rate);
BaseMortgage = baseMortgage;
Calculator = BaseMortgage.Calculator;
InsuranceRate = downPayment / (downPayment + baseMortgage.InitialValue);
Insurance = GetInsurance(baseMortgage.InitialValue, downPayment);
}
public IEnumerable <Payment> GetMonthlyPayments(IMortgage mortgage, DateTime endAt)
{
if (endAt < mortgage.InitiatedAt)
{
yield break;
}
yield return(new Payment(mortgage, mortgage.InitiatedAt, mortgage.InitialValue, 0, 0));
var monthlyPayment = Convert.ToDecimal(mortgage.MonthlyPayment);
decimal balance = mortgage.InitialValue;
var interestRate = mortgage.PeriodicAnnualInterestRate;
var i = mortgage.InitiatedAt;
for (; balance > 0 && i < endAt; i = i.AddDays(1))
{
if (mortgage.IsMonthlyPayment(i))
{
var interestPayment = balance * interestRate / 12;
var principalPayment = monthlyPayment - interestPayment;
principalPayment = principalPayment > balance
? balance
: principalPayment;
yield return(new Payment(mortgage, i, balance, interestPayment, principalPayment));
balance -= principalPayment;
}
if (balance == 0)
{
yield break;
}
var extraPayment = mortgage.GetPrincipalOnlyPayments(i.Year, i.Month, i.Day)
.Sum();
if (extraPayment != 0)
{
extraPayment = extraPayment > balance
? balance
: extraPayment;
yield return(new Payment(mortgage, i, balance, 0, extraPayment));
balance -= extraPayment;
}
}
}
private static IMortgage ConvertToInsuredMortgageIfInsurable(IMortgage mortgage, decimal downPayment)
{
var downPaymentRate = downPayment / (mortgage.InitialValue + downPayment);
var insuranceTypeRequired = InsuredMortgage.IsInsurable(downPaymentRate);
switch (insuranceTypeRequired)
{
case InsuranceTypes.DownPaymentLow:
throw new InvalidDownPaymentRateException(downPaymentRate);
case InsuranceTypes.Insurable:
return(new InsuredMortgage(mortgage, downPayment));
case InsuranceTypes.NotRequired:
default:
return(mortgage);
}
}
public IEnumerable <Payment> GetMonthlyPayments(IMortgage mortgage)
{
return(GetMonthlyPayments(mortgage, DateTime.MaxValue));
}
public PrepayableMortgageBuilder(IMortgage baseMortgage, decimal maximumAllowedPrepaymentPercentage = 0.10M)
{
Mortgage = baseMortgage;
MaximumAllowedPrepaymentPercentage = maximumAllowedPrepaymentPercentage;
}
public PrepayableMortgage(IMortgage baseMortgage, decimal maximumAllowedPrepaymentPercentage = 0.10M)
{
BaseMortgage = baseMortgage;
Calculator = new MonthlyPaymentCalculator();
Prepayments = new CappedPayments(InitialValue * maximumAllowedPrepaymentPercentage);
}
