private static Installment BuildNext(Installment previous, IScheduleConfiguration configuration)
{
if (previous == null)
{
throw new ArgumentException("Previous installment cannot be null.");
}
if (previous.Number == configuration.NumberOfInstallments)
{
return(null);
}
var installment = new Installment
{
Number = previous.Number + 1,
StartDate = previous.ExpectedDate,
ExpectedDate = configuration.PeriodPolicy.GetNextDate(previous.ExpectedDate),
InterestsRepayment = 0m,
CapitalRepayment = 0m,
OLB = previous.OLB - previous.CapitalRepayment,
FeesUnpaid = 0
};
if (configuration.GracePeriod < installment.Number)
{
configuration.CalculationPolicy.Calculate(installment, configuration);
}
return(installment);
}
private static decimal CalculateFirstInstallmentInterest(Installment installment,
IScheduleConfiguration configuration)
{
var daysInPeriod = configuration.PeriodPolicy.GetNumberOfDays(installment, configuration.DateShiftPolicy);
var daysInYear = configuration.YearPolicy.GetNumberOfDays(installment.ExpectedDate);
var interest = installment.OLB * configuration.InterestRate / 100 * daysInPeriod / daysInYear;
//if schedule is flat
if (configuration.CalculationPolicy.GetType() == typeof(FlatInstallmentCalculationPolicy))
{
var numberOfPeriods =
(decimal)
(configuration.PeriodPolicy.GetNumberOfPeriodsInYear(
configuration.PreferredFirstInstallmentDate, configuration.YearPolicy));
interest = configuration.Amount * configuration.InterestRate / numberOfPeriods / 100;
if (configuration.ChargeActualInterestForFirstInstallment)
{
var nextDate = configuration.PeriodPolicy.GetNextDate(configuration.StartDate);
var numerator = (installment.ExpectedDate - configuration.StartDate).Days;
var denominator = (nextDate - configuration.StartDate).Days;
interest = interest * numerator / denominator;
}
}
return(configuration.RoundingPolicy.Round(interest.Value));
}
private static IInstallment BuildNext(IInstallment previous, IScheduleConfiguration configuration)
{
if (previous == null)
{
throw new ArgumentException("Previous installment cannot be null.");
}
if (previous.Number == configuration.NumberOfInstallments)
{
return(null);
}
var installment = new Installment
{
Number = previous.Number + 1,
StartDate = previous.EndDate,
EndDate = configuration.PeriodPolicy.GetNextDate(previous.EndDate),
Olb = previous.Olb - previous.Principal,
};
if (configuration.GracePeriod < installment.Number)
{
configuration.CalculationPolicy.Calculate(installment, configuration);
}
return(installment);
}
public List<IInstallment> BuildTranche(IEnumerable<IInstallment> schedule, IScheduleBuilder scheduleBuilder, IScheduleConfiguration scheduleConfiguration, ITrancheConfiguration trancheConfiguration)
{
var rhc = (IScheduleConfiguration)scheduleConfiguration.Clone();
rhc.Amount = trancheConfiguration.Amount;
rhc.NumberOfInstallments = trancheConfiguration.NumberOfInstallments;
rhc.GracePeriod = trancheConfiguration.GracePeriod;
rhc.InterestRate = trancheConfiguration.InterestRate;
rhc.StartDate = trancheConfiguration.StartDate;
rhc.PreferredFirstInstallmentDate = trancheConfiguration.PreferredFirstInstallmentDate;
var lhc = (IScheduleConfiguration)rhc.Clone();
lhc.Amount = schedule.Sum(i => i.Principal - i.PaidPrincipal);
if (!trancheConfiguration.ApplyNewInterestRateToOlb)
{
lhc.InterestRate = scheduleConfiguration.InterestRate;
}
var lhs = scheduleBuilder.BuildSchedule(lhc);
var rhs = scheduleBuilder.BuildSchedule(rhc);
var result = new List<IInstallment>();
// Merge the two schedules
var max = Math.Max(lhs.Count, rhs.Count);
for (var i = 0; i < max; i++)
{
var lhi = i >= lhs.Count ? null : lhs[i];
var rhi = i >= rhs.Count ? null : rhs[i];
IInstallment installment;
if (lhi == null)
{
installment = rhi;
}
else if (rhi == null)
{
installment = lhi;
}
else
{
installment = new Installment
{
Number = lhi.Number,
StartDate = lhi.StartDate,
EndDate = lhi.EndDate,
RepaymentDate = lhi.RepaymentDate,
Principal = lhi.Principal + rhi.Principal,
Interest = lhi.Interest + rhi.Interest,
Olb = lhi.Olb + rhi.Olb,
};
}
result.Add(installment);
}
result[0].Interest += GetExtraInterest(schedule, scheduleConfiguration, trancheConfiguration);
return result;
}
private static IInstallment BuildFirst(IScheduleConfiguration configuration)
{
var installment = new Installment
{
Number = 1,
StartDate = configuration.StartDate,
EndDate = configuration.PreferredFirstInstallmentDate,
Olb = configuration.Amount,
};
if (configuration.GracePeriod == 0)
{
configuration.CalculationPolicy.Calculate(installment, configuration);
}
return installment;
}
private static decimal CalculateInterest(Installment installment, IScheduleConfiguration configuration)
{
var daysInPeriod = configuration.PeriodPolicy.GetNumberOfDays(installment.ExpectedDate);//, configuration.DateShiftPolicy);
var daysInYear = configuration.YearPolicy.GetNumberOfDays(installment.ExpectedDate);
var interest = installment.OLB * configuration.InterestRate / 100 * daysInPeriod / daysInYear;
//if schedule is flat
if (configuration.CalculationPolicy.GetType() == typeof(FlatInstallmentCalculationPolicy))
{
var numberOfPeriods =
(decimal)
(configuration.PeriodPolicy.GetNumberOfPeriodsInYear(
configuration.PreferredFirstInstallmentDate, configuration.YearPolicy));
interest = configuration.Amount * configuration.InterestRate / numberOfPeriods / 100;
}
return(configuration.RoundingPolicy.Round(interest.Value));
}
private static IInstallment BuildFirst(IScheduleConfiguration configuration)
{
var installment = new Installment
{
Number = 1,
StartDate = configuration.StartDate,
EndDate = configuration.PreferredFirstInstallmentDate,
Olb = configuration.Amount,
};
if (configuration.GracePeriod == 0)
{
configuration.CalculationPolicy.Calculate(installment, configuration);
}
return(installment);
}
private static IInstallment BuildNext(IInstallment previous, IScheduleConfiguration configuration)
{
if (previous == null) throw new ArgumentException("Previous installment cannot be null.");
if (previous.Number == configuration.NumberOfInstallments) return null;
var installment = new Installment
{
Number = previous.Number + 1,
StartDate = previous.EndDate,
EndDate = configuration.PeriodPolicy.GetNextDate(previous.EndDate),
Olb = previous.Olb - previous.Principal,
};
if (configuration.GracePeriod < installment.Number)
{
configuration.CalculationPolicy.Calculate(installment, configuration);
}
return installment;
}
private static Installment BuildFirst(IScheduleConfiguration configuration)
{
var installment = new Installment
{
Number = 1,
StartDate = configuration.StartDate,
ExpectedDate = configuration.PreferredFirstInstallmentDate,
OLB = configuration.Amount,
CapitalRepayment = 0m,
InterestsRepayment = 0m,
FeesUnpaid = 0
};
if (configuration.GracePeriod == 0)
{
configuration.CalculationPolicy.Calculate(installment, configuration);
}
return(installment);
}
public List <Installment> BuildTranche(IEnumerable <Installment> schedule, IScheduleBuilder scheduleBuilder, IScheduleConfiguration scheduleConfiguration, ITrancheConfiguration trancheConfiguration)
{
var rhc = (IScheduleConfiguration)scheduleConfiguration.Clone();
rhc.Amount = trancheConfiguration.Amount;
rhc.NumberOfInstallments = trancheConfiguration.NumberOfInstallments;
rhc.GracePeriod = trancheConfiguration.GracePeriod;
rhc.InterestRate = trancheConfiguration.InterestRate;
rhc.StartDate = trancheConfiguration.StartDate;
rhc.PreferredFirstInstallmentDate = trancheConfiguration.PreferredFirstInstallmentDate;
var lhc = (IScheduleConfiguration)rhc.Clone();
lhc.Amount = schedule.Sum(i => i.CapitalRepayment.Value - i.PaidCapital.Value);
if (!trancheConfiguration.ApplyNewInterestRateToOlb)
{
lhc.InterestRate = scheduleConfiguration.InterestRate;
}
var lhs = scheduleBuilder.BuildSchedule(lhc);
var rhs = scheduleBuilder.BuildSchedule(rhc);
var result = new List <Installment>();
// Merge the two schedules
var max = Math.Max(lhs.Count, rhs.Count);
for (var i = 0; i < max; i++)
{
var lhi = i >= lhs.Count ? null : lhs[i];
var rhi = i >= rhs.Count ? null : rhs[i];
Installment installment;
if (lhi == null)
{
installment = rhi;
}
else if (rhi == null)
{
installment = lhi;
}
else
{
installment = new Installment
{
Number = lhi.Number,
StartDate = lhi.StartDate,
ExpectedDate = lhi.ExpectedDate,
//RepaymentDate = lhi.RepaymentDate,
CapitalRepayment = lhi.CapitalRepayment + rhi.CapitalRepayment,
InterestsRepayment = lhi.InterestsRepayment + rhi.InterestsRepayment,
OLB = lhi.OLB + rhi.OLB,
};
}
result.Add(installment);
}
result[0].InterestsRepayment += GetExtraInterest(schedule, scheduleConfiguration, trancheConfiguration);
return(result);
}
