public OverviewDetails GetLoanPaymentOverwiew(LoanParameters loanParameters, LoanTerms loanTerms)
{
var loanAmount = loanParameters.LoanAmount;
var durationOfLoan = loanParameters.DurationOfLoanInYears;
var annualInterestRate = loanTerms.AnnualInterestRate;
var paymentsPerYear = loanTerms.PaymentsPerYear;
var adminFeeRelative = loanTerms.AdminFeeRelative;
var maxAdminFee = loanTerms.MaxAdminFee;
var amountOfPayments = durationOfLoan * paymentsPerYear;
var interestRatePerPayment = annualInterestRate / paymentsPerYear;
var monthlyPayment = this.GetMonthlyPayment((double)loanAmount, amountOfPayments, (double)interestRatePerPayment);
var totalAmmountPayed = monthlyPayment * amountOfPayments;
var amountPaidAsInterest = totalAmmountPayed - loanAmount;
var administrativeFee = this.GetAdministrativeFee(loanAmount, adminFeeRelative, maxAdminFee);
return(new OverviewDetails
{
LoanAmount = loanAmount,
DurationOfLoanInYears = durationOfLoan,
MonthlyPayment = Math.Round(monthlyPayment, 2),
AmountPaidAsInterest = Math.Round(amountPaidAsInterest, 2),
AdministrativeFee = Math.Round(administrativeFee, 2),
});
}
static void Main(string[] args)
{
ValidateArguments(args);
var parameters = new LoanParameters
{
LoanAmount = Decimal.Parse(args[0]),
Term = Int32.Parse(args[1]),
InterestRate = Decimal.Parse(args[2]),
PayDay = Int32.Parse(args[3])
};
var calculator = new PaymentCalculator(parameters);
var graph = calculator.GetPaymentGraph();
var i = 1;
Console.WriteLine("Įmokos Nr.\t | Data\t\t | Likutis prieš įmoką\t | Kredito dalis\t | Palūkanos\t | Įmoka\t | Likutis po įmokos");
foreach (var g in graph.PaymentEntries)
{
var str = $"{i}\t\t | {g.Date.ToString("yyyy-MM-dd")}\t | {g.RemainderBeforePayment:0.00}\t\t | {g.CreditPart:0.00}\t\t |" +
$" {g.InterestPart:0.00}\t | {g.Payment:0.00}\t | {g.RemainderAfterPayment:0.00}";
Console.WriteLine(str);
i++;
}
//PrintTotals(graph);
var bv = new BVKKMNCalculator(parameters.Term, graph.PaymentEntries.FirstOrDefault().Payment, parameters.LoanAmount).Calculate() * 100;
Console.WriteLine($"BVKKMN - {bv:0.00}");
}
public void GetLoanPaymentOverwiew_ExpectedBehavior()
{
// Arrange
var loanPaymentCalculatorInternal = new LoanPaymentCalculatorInternal();
var loanParameters = new LoanParameters
{
LoanAmount = 500000,
DurationOfLoanInYears = 10,
};
var loanTerms = new LoanTerms
{
AnnualInterestRate = 0.05m,
PaymentsPerYear = 12,
AdminFeeRelative = 0.01m,
MaxAdminFee = 10000,
};
// Act
var result = loanPaymentCalculatorInternal.GetLoanPaymentOverwiew(
loanParameters,
loanTerms);
// Assert
Assert.Equal(500000, result.LoanAmount);
Assert.Equal(10, result.DurationOfLoanInYears);
Assert.Equal(5303.28m, result.MonthlyPayment);
Assert.Equal(136393.09m, result.AmountPaidAsInterest);
Assert.Equal(5000m, result.AdministrativeFee);
}
public PaymentCalculator(LoanParameters parameters)
{
_parameters = parameters;
_remainingLoanAmount = parameters.LoanAmount;
_remaindingTerm = parameters.Term;
_interestRate = parameters.InterestRate / 100;
var now = DateTime.Now;
_currentDate = new DateTime(now.Year, now.Month, parameters.PayDay);
}
public void CheckSavedParameters(LoanParameters parameters)
{
Assert.IsFalse(this.ApplicationNumber.GetAttribute("value").ToString().Trim() == string.Empty, "Application Number");
Assert.AreEqual("Недовършена", this.ApplicationStatus.GetAttribute("value"), "Application Status");
Assert.AreEqual(this.Pid.GetAttribute("value").ToString().Trim(), parameters.Pid.Trim(), "ЕГН");
Assert.AreEqual(parameters.ProductType, this.ProductType.SelectedOption.Text, "Product type");
Assert.AreEqual(parameters.LoanAmount, this.LoanAmount.SelectedOption.Text, "Loan amount");
Assert.AreEqual(parameters.LoanRate, this.LoanRate.SelectedOption.Text, "Loan rate");
Assert.AreEqual(parameters.MonthlyAmount, this.MonthlyAmount.GetAttribute("value").ToString(), "Monthly amount");
Assert.AreEqual(parameters.PaymentDate, this.PaymentDate.SelectedOption.Text, "Payment date");
Assert.AreEqual(parameters.LoanPurpose, this.LoanPurpose.SelectedOption.Text, "Loan purpose");
Assert.AreEqual(parameters.RequestSource, this.RequestSource.SelectedOption.Text, "Request source");
}
public PaymentOverview CalculatePaymentOverview(LoanParameters parameters, LoanTerms terms)
{
var totalNumberOfPayments = parameters.DurationInYears * terms.PaymentsInYear;
var administrativeFee = _loanCalculations.CalculateAdministrativeFee(
parameters.MoneyToLoan.Amount,
terms.AdministrativeFeeRate,
terms.AdministrativeFeeMaxCap
);
var singlePayment = _loanCalculations.CalculateSinglePayment(
parameters.MoneyToLoan.Amount,
terms.AnnualInterestRate,
terms.PaymentsInYear, totalNumberOfPayments
);
var totalPayment = _loanCalculations.CalculateTotalPayment(
singlePayment,
totalNumberOfPayments
);
var totalInterest = _loanCalculations.CalculateTotalInterest(
totalPayment,
parameters.MoneyToLoan.Amount
);
var aop = _loanCalculations.CalculateAop(
totalPayment,
administrativeFee,
parameters.MoneyToLoan.Amount,
parameters.DurationInYears
);
return(new PaymentOverview(
new Money(singlePayment),
new Money(totalPayment),
new Money(totalInterest),
new Money(administrativeFee),
new Percent(aop),
parameters,
terms
));
}
public void FillLoanParameters(LoanParameters parameters)
{
Thread.Sleep(2500);
if (parameters.Pid != "null")
{
this.Type(this.Pid, parameters.Pid);
}
else if (this.Pid.GetAttribute("value").ToString().Trim() == string.Empty)
{
this.AssertMissingPid();
}
Thread.Sleep(1000);
this.ClicableSelectByText(this.ProductType, parameters.ProductType, Driver);
this.ClicableSelectByText(this.LoanAmount, parameters.LoanAmount, Driver);
if (parameters.LoanRate != "null")
{
this.ClicableSelectByText(this.LoanRate, parameters.LoanRate, Driver);
Thread.Sleep(500);
this.AssertMonthlyAmountExist();
}
if (parameters.PaymentDate != "null")
{
this.ClicableSelectByText(this.PaymentDate, parameters.PaymentDate, Driver);
}
if (parameters.LoanPurpose != "null")
{
this.ClicableSelectByText(this.LoanPurpose, parameters.LoanPurpose, Driver);
}
if (parameters.RequestSource != "null")
{
this.ClicableSelectByText(this.RequestSource, parameters.RequestSource, Driver);
}
}
public HousingLoan(LoanParameters loanParameters) : base(loanParameters)
{
}
