public static CalculatePaymentPlanReturnValues CalculatePaymentPlan(CalculatePaymentPlanParameters parameters)
{
var totalTaxRatio = TotalTaxRatio.Get(parameters.ProductType);
var effectiveLoanAmount = EffectiveLoanAmount.Get(parameters.BankCommissionCollectionType,
parameters.LoanAmount,
parameters.TotalFee);
var monthlyInstallment = MonthlyInstallment.Get(new CalculateMonthlyInstallmentParameters
{
InterestRateAsPercentage = parameters.InterestRateAsPercentage,
LoanAmount = parameters.LoanAmount,
MaturityInMonths = parameters.MaturityInMonths,
ProductType = parameters.ProductType
});
var returnValues = new CalculatePaymentPlanReturnValues
{
PaymentPlan = new List <PaymentPlanItem>(),
TotalInstallment = 0,
TotalTax = 0,
MonthlyInstallment = monthlyInstallment.MonthlyInstallment
};
var remainingLoanAmount = effectiveLoanAmount;
for (var i = 0; i < parameters.MaturityInMonths; i++)
{
var paymentPlanItem = new PaymentPlanItem
{
Period = i + 1,
Installment = returnValues.MonthlyInstallment,
Interest = remainingLoanAmount * parameters.InterestRateAsPercentage / 100
};
paymentPlanItem.Tax = paymentPlanItem.Interest * totalTaxRatio;
paymentPlanItem.Principal = paymentPlanItem.Installment - paymentPlanItem.Interest - paymentPlanItem.Tax;
remainingLoanAmount -= paymentPlanItem.Principal;
paymentPlanItem.RemainingLoanAmount = remainingLoanAmount;
returnValues.PaymentPlan.Add(paymentPlanItem);
returnValues.TotalInterest += paymentPlanItem.Interest;
returnValues.TotalTax += paymentPlanItem.Tax;
}
returnValues.TotalInstallment = returnValues.MonthlyInstallment * parameters.MaturityInMonths;
returnValues.TotalPayback = TotalPayback.Get(parameters.BankCommissionCollectionType,
returnValues.MonthlyInstallment,
parameters.MaturityInMonths,
parameters.TotalFee);
return(returnValues);
}
public static CalculateMonthlyInstallmentReturnValues Get(CalculateMonthlyInstallmentParameters parameters)
{
var totalTaxRatio = TotalTaxRatio.Get(parameters.ProductType);
if (parameters.MaturityInMonths == 0)
{
return(new CalculateMonthlyInstallmentReturnValues());
}
return(new CalculateMonthlyInstallmentReturnValues
{
MonthlyInstallment = -new Pmt().PaymentInternal(parameters.InterestRateAsPercentage / 100 * (1 + totalTaxRatio),
parameters.MaturityInMonths,
parameters.LoanAmount,
0,
DueDate.EndOfPeriod)
});
}