public VariableRateLoan(DateTime openedDate, Pecuniam amount) : base(openedDate, amount)
{
if (amount != null && amount.Amount != 0)
{
Balance.AddPositiveValue(openedDate, amount.GetAbs(), new TransactionNote("Initial Transaction"));
}
}
public static Rent RandomRent(Identifier property = null, double?totalYearlyRent = null)
{
var avgRent = totalYearlyRent ?? 0D;
var randRent = Pecuniam.Zero;
if (avgRent == 0D)
{
avgRent = (double)GetAvgAmericanRentByYear(null).Amount;
var stdOfAvgRent = avgRent * 0.43759;
var lower = (int)Math.Round(avgRent - (stdOfAvgRent * 3));
var upper = (int)Math.Round(avgRent + (stdOfAvgRent * 3));
randRent = Pecuniam.RandomPecuniam(lower, upper, 100);
}
else
{
randRent = avgRent.ToPecuniam();
}
var randTerm = Etx.RandomPickOne(new[] { 24, 18, 12, 6 });
var randDate = Etx.RandomDate(0, DateTime.Today.AddDays(-2), true);
var randDepositAmt = (int)Math.Round((randRent.Amount - randRent.Amount % 250) / 2);
var randDeposit = new Pecuniam(randDepositAmt);
var rent = new Rent(property, randDate, randTerm, randRent, randDeposit);
return(rent);
}
public Pecuniam GetRandomMax(DateTime?dt)
{
if (!int.TryParse(Value, out var ccScore))
{
return(new Pecuniam(1000));
}
if (ccScore >= 800)
{
return(Pecuniam.RandomPecuniam(10000, 20000, 100));
}
if (ccScore >= 750)
{
return(Pecuniam.RandomPecuniam(5000, 10000, 100));
}
if (ccScore >= 700)
{
return(Pecuniam.RandomPecuniam(3000, 5000, 100));
}
if (ccScore >= 600)
{
return(Pecuniam.RandomPecuniam(1000, 2000, 100));
}
return(new Pecuniam(1000));
}
public Rent(Identifier property, DateTime signing, int forMonths, Pecuniam monthlyRent, Pecuniam deposit) : base(signing)
{
//calc number of days till the first day of the next month
if (signing.Day != 1)
{
_dtOfFirstFullRentDue = signing.Month == 12
? new DateTime(signing.Year + 1, 1, _dayOfMonthRentDue)
: new DateTime(signing.Year, signing.Month + 1, _dayOfMonthRentDue);
var tsTillNextMonth = _dtOfFirstFullRentDue - signing;
_proRatedAmt = new Pecuniam(Math.Round(monthlyRent.Amount / 30 * (tsTillNextMonth.Days - 1), 2));
}
else
{
_proRatedAmt = Pecuniam.Zero;
_dtOfFirstFullRentDue = signing;
}
Terminus = _dtOfFirstFullRentDue.AddMonths(forMonths);
var fullTermAmt = _proRatedAmt + new Pecuniam(monthlyRent.Amount * forMonths);
Balance.AddPositiveValue(signing, fullTermAmt, new TransactionNote("Lease Signing"));
LeaseTermInMonths = forMonths;
Deposit = deposit;
MonthlyPmt = monthlyRent;
Id = property;
DueFrequency = DefaultDueFrequency;
FormOfCredit = Enums.FormOfCredit.None;
}
public SecuredFixedRateLoan(Identifier property, DateTime openedDate, Pecuniam totalCost, float rate, int termInYears) : base(
openedDate, CreditCardAccount.DF_MIN_PMT_RATE, totalCost)
{
PropertyId = property;
if (totalCost == null || totalCost == Pecuniam.Zero)
{
throw new ArgumentException("You must pass in a valid amount.");
}
//interest rate must be a positive number
_rate = Math.Abs(rate);
//handle if caller passes in rate like 5.5 meaning they wanted 0.055
if (_rate > 1)
{
_rate = Convert.ToSingle(Math.Round(_rate / 100, 4));
}
//calc the monthly payment
var fv = totalCost.Amount.PerDiemInterest(rate, DaysPerYear * termInYears, DaysPerYear);
_monthlyPayment = new Pecuniam(Math.Round(fv / (termInYears * 12), 2));
_minPaymentRate = fv == 0
? CreditCardAccount.DF_MIN_PMT_RATE
: (float)Math.Round(_monthlyPayment.Amount / fv, 6);
_termInYears = termInYears;
}
public Pecuniam GetCurrent(DateTime dt, Dictionary <DateTime, float> variableRate)
{
if (variableRate == null || variableRate.Keys.Count <= 0)
{
throw new ArgumentNullException(nameof(variableRate));
}
//get very first recorded transaction
var oldestTransaction = FirstTransaction;
if (oldestTransaction == null)
{
return(Pecuniam.Zero);
}
var bal = Pecuniam.Zero;
//set first transaction as the lower bounds of the current time-frame
var prevVdt = oldestTransaction.AtTime;
foreach (var vdt in variableRate.Keys)
{
//the dictionary is the date the rate ended, not began
if (DateTime.Compare(prevVdt, dt) > 0)
{
continue;
}
var currVdt = vdt;
//this rate was only applicable to this many days
var daysAtRate = (currVdt - prevVdt).TotalDays;
//this iteration's rate-ending-date is actually beyond our query date
if (DateTime.Compare(currVdt, dt) > 0)
{
daysAtRate = (dt - prevVdt).TotalDays;
currVdt = dt;
}
//get those transactions which occured between
var betwixtTs = GetTransactions(prevVdt, currVdt);
betwixtTs.Sort(Comparer);
//add in this date-ranges transactions to the running balance
bal = betwixtTs.Aggregate(bal, (current, bts) => current + bts.Cash);
//get the balance plus interest for the number of days this rate was in effect
bal = new Pecuniam(bal.Amount.PerDiemInterest(variableRate[vdt], daysAtRate, DaysPerYear));
//save where we ended this time for next iteration
prevVdt = currVdt;
}
return(bal);
}
protected LoanBase(DateTime openedDate, Pecuniam amount) : base(openedDate)
{
if (amount != null && amount.Amount != 0)
{
Balance.AddPositiveValue(openedDate, amount.GetAbs(), new TransactionNote("Initial Transaction"));
}
FormOfCredit = Enums.FormOfCredit.Installment;
DueFrequency = DefaultDueFrequency;
_minPaymentRate = DF_MIN_PMT_RATE;
}
/// <summary>
/// Helper method to put functionality in common vernacular
/// - is the exact same as AddPositiveValue
/// </summary>
public virtual void Deposit(DateTime dt, Pecuniam amount, string note = null)
{
if (string.IsNullOrWhiteSpace(note))
{
AddPositiveValue(dt, amount);
}
else
{
AddPositiveValue(dt, amount, new TransactionNote(note));
}
}
public virtual IAccount <Identifier> Credit(Pecuniam amt, IVoca note = null, DateTime?atTime = null, ITransactionId trace = null)
{
var dt = atTime ?? Balance.LastTransaction.AtTime;
if (IsOppositeForm)
{
AddPositiveValue(dt, amt, note, trace);
}
else
{
AddNegativeValue(dt, amt, note, trace);
}
return(this);
}
/// <summary>
/// Gets the difference of the current
/// market value to the remaining balance on the note.
/// </summary>
/// <param name="dt">
/// The date of query.
/// </param>
/// <param name="marketValue">
/// </param>
/// <returns></returns>
public virtual Pecuniam GetEquityAt(DateTime?dt, Pecuniam marketValue = null)
{
var qDt = dt ?? DateTime.Today;
if (qDt < Inception)
{
return(Pecuniam.Zero);
}
var qRemaining = GetValueAt(qDt).GetAbs();
var mv = (marketValue ?? GetEstimatedMarketValueAt(qDt)).GetAbs();
return(mv - qRemaining);
}
internal static Guid AddTransaction(ISet <ITransaction> items, DateTime dt, Pecuniam amount,
IVoca note = null, ITransactionId trace = null)
{
if (items == null)
{
throw new ArgumentNullException(nameof(items));
}
var t = new Transaction(dt, amount, note)
{
Trace = trace
};
items.Add(t);
return(t.UniqueId);
}
public virtual Guid AddNegativeValue(DateTime dt, Pecuniam amount, IVoca note = null, ITransactionId trace = null)
{
if (amount == null)
{
return(Guid.Empty);
}
if (amount == Pecuniam.Zero)
{
return(Guid.Empty);
}
while (DataSet.Any(x => DateTime.Compare(x.AtTime, dt) == 0))
{
dt = dt.AddTicks(1L);
}
return(Transaction.AddTransaction(DataSet, dt, amount.GetNeg(), note, trace));
}
public SecuredFixedRateLoan(Identifier property, DateTime openedDate, float minPaymentRate, Pecuniam amount = null)
: base(openedDate, minPaymentRate, amount)
{
PropertyId = property;
}
/// <summary>
/// Helper method to put functionality in common vernacular
/// - is the exact same as <see cref="ITransactionable.AddNegativeValue(DateTime, Pecuniam, IVoca, ITransactionId)"/>
/// </summary>
public void PayRent(DateTime dt, Pecuniam amount, IVoca note = null)
{
AddNegativeValue(dt, amount, note);
}
protected LoanBase(DateTime openedDate, float minPaymentRate, Pecuniam amount = null) : this(openedDate, amount)
{
_minPaymentRate = minPaymentRate;
}
public FixedRateLoan(DateTime openedDate, float minPaymentRate, Pecuniam amount = null)
: base(openedDate, minPaymentRate, amount)
{
}
/// <summary>
/// Creates a new mortgage with the given data
/// </summary>
/// <param name="property"></param>
/// <param name="openedDate"></param>
/// <param name="rate"></param>
/// <param name="purchasePrice"></param>
/// <param name="termInYears"></param>
public Mortgage(Identifier property, DateTime openedDate, float rate, Pecuniam purchasePrice,
int termInYears = 30) : base(property, openedDate, purchasePrice, rate, termInYears)
{
FormOfCredit = Enums.FormOfCredit.Mortgage;
}
public VariableRateLoan(DateTime openedDate, float minPaymentRate, Pecuniam amt = null)
: this(openedDate, amt)
{
_minPaymentRate = minPaymentRate;
}
public FixedRateLoan(DateTime openedDate, Pecuniam amount) : base(openedDate, amount)
{
}
private Transaction(DateTime atTime, Pecuniam amt, IVoca description = null) : base(atTime, description)
{
Cash = amt ?? Pecuniam.Zero;
}
