/// <summary>
/// Gets the payment number date.
/// </summary>
/// <param name="startDate">The start date.</param>
/// <param name="paymentNumber">The payment number.</param>
/// <param name="frequency">The frequency.</param>
/// <param name="country">The country.</param>
public DateTime GetPaymentNumberDate(DateTime startDate,
int paymentNumber,
AmortizationPaymentFrequencyType frequency,
Country country)
{
/* Date to return */
DateTime? paymentDate = null;
IList<AmortizationEntry> entries = new List<AmortizationEntry> ();
/* Perform calculations for all payments before the
* requested payment in case there was days shifted
* before the paymentNumber required */
for (int i = 1; i <= paymentNumber; i++)
{
paymentDate = GetPaymentDate (startDate, frequency, i);
AmortizationEntry entry = new AmortizationEntry ();
entry.Number = i;
entry.Date = Convert.ToDateTime (paymentDate);
entries.Add (entry);
}
AmortizationTable amortTable = new AmortizationTable (entries);
/* Now verify all dates are working days */
VerifyWorkingDates (amortTable, country);
/* Now get the the actual date */
foreach (AmortizationEntry entry in amortTable)
{
if (entry.Number == paymentNumber)
{
paymentDate = entry.Date;
break;
}
}
return Convert.ToDateTime (paymentDate);
}
/// <summary>
/// Calculates an Amortization Table using a Flat Interest approach
/// </summary>
/// <returns>Flat Interest Amortization Table</returns>
protected override AmortizationTable CalculateSpecificAmortizationTable()
{
//Stores all the table entries in a list form.
//Each item in this list will contain all the columns that the amortization
//table has.
IList<AmortizationEntry> amortizationEntries = new List<AmortizationEntry> ();
//Local variables used to store each payments
//calculated values
decimal interestPayment = 0.0000m;
decimal principalPayment = 0.0000m;
decimal principalBalance = 0.0000m;
decimal taxPayment = 0.0000m;
for (int i = 0; i < base.NumberOfPayments; i++)
{
//First Payment is of the total amount of the loan
if (i == 0)
{
//Calculates the amounts
if (base.GracePeriod - 1 >= i) //While there is a grace period,
{ //only interests are paid
principalPayment = 0;
interestPayment = base.CalculationInterest * base.Amount;
taxPayment = interestPayment * base.Tax;
}
else
{
principalPayment = base.Amount / (base.NumberOfPayments - base.GracePeriod);
interestPayment = base.CalculationInterest * base.Amount;
taxPayment = interestPayment * base.Tax;
}
principalBalance = base.Amount - principalPayment;
AmortizationEntry newAmortizationTableEntry = new AmortizationEntry ();
newAmortizationTableEntry.Number = i + 1;
newAmortizationTableEntry.Principal = principalPayment;
newAmortizationTableEntry.Interest = interestPayment;
newAmortizationTableEntry.Tax = taxPayment;
newAmortizationTableEntry.RemainingPrincipalBalance = principalBalance;
//Add the new entry to the table.
amortizationEntries.Add (newAmortizationTableEntry);
}
else //All other payments
{
//Retrieve the previous entry in the table.
AmortizationEntry previousTableEntry = amortizationEntries[i - 1];
//Calculates the amounts
if (base.GracePeriod - 1 >= i) //While there is a grace period,
{ //only interests are paid
principalPayment = 0;
interestPayment = base.CalculationInterest * base.Amount;
taxPayment = interestPayment * base.Tax;
}
else
{
principalPayment = base.Amount / (base.NumberOfPayments - base.GracePeriod);
interestPayment = base.CalculationInterest * base.Amount;
taxPayment = interestPayment * base.Tax;
}
principalBalance
= previousTableEntry.RemainingPrincipalBalance - principalPayment;
AmortizationEntry newAmortizationTableEntry = new AmortizationEntry ();
newAmortizationTableEntry.Number = i + 1;
newAmortizationTableEntry.Principal = principalPayment;
newAmortizationTableEntry.Interest = interestPayment;
newAmortizationTableEntry.Tax = taxPayment;
newAmortizationTableEntry.RemainingPrincipalBalance = principalBalance;
//Add the new entry to the table.
amortizationEntries.Add (newAmortizationTableEntry);
}
}
//Create table and return it based on the calculated entries.
AmortizationTable amortizationTable = new AmortizationTable (amortizationEntries);
return amortizationTable;
}
/// <summary>
/// Recalculates the interest and vat for an amortization
/// no matter what type of amortization table was used. The calculation
/// is done as a simple multiplication, using the values applicable
/// to the date of the amortization
/// </summary>
/// <param name="amrtztn">Amortization to be calculated</param>
private void RecalculateInterestAndVAT(AmortizationEntry amrtztn)
{
try
{
/* Interest, and VAT search date */
DateTime? searchDate = null;
/* Use the statement date to calculate the interest since the date for the
* amortization is in the future */
bool useStmntDate =
DateUtilities.IsFirstDateGreaterThanSecondDate (
amrtztn.Date,
Convert.ToDateTime (_stmntDate));
if (useStmntDate)
searchDate = _stmntDate;
else
searchDate = amrtztn.Date;
/* Determine the interest rate and Vat rate values to use */
decimal intrstRtVl = GetInterestRateValue (Convert.ToDateTime (searchDate));
decimal vatValue = GetVATValue (Convert.ToDateTime (searchDate));
decimal grssErngsMrgn = _loan.GrossEarningsMargin;
/* Add the gross earnings margin */
intrstRtVl = intrstRtVl + grssErngsMrgn;
/* Recalculate the interest and tax for that amortization */
_amortization.RecalculateAmortization (amrtztn.Number, intrstRtVl, vatValue);
}
/* If the exception was thrown here, just pass it up */
catch (ZiblerBusinessComponentsException ex)
{
throw;
}
/* Catch any Data Layer or other exception and throw an unkown exception */
catch (Exception ex)
{
ZiblerBusinessComponentsUnknownException exc
= new ZiblerBusinessComponentsUnknownException (ex);
/* Throw the new exception */
throw exc;
}
}