public LoanRepaymentCashFlowItem GenerateCashFlow(ExistingLoan existingLoan, LoanApplication loanApplication, int numberOfYears)
{
var annualRepayments = new List <decimal>();
for (int i = 0; i < numberOfYears; i++)
{
int currentYear = loanApplication.RecastDate.Year + i;
int nextYear = loanApplication.RecastDate.Year + i + 1;
DateTime startDate = new DateTime(currentYear, loanApplication.RecastDate.Month, loanApplication.RecastDate.Day);
DateTime endDate = new DateTime(nextYear, loanApplication.RecastDate.Month, loanApplication.RecastDate.Day);
var isNextYearGreaterThanMaturity = (DateTime.Compare(endDate, existingLoan.MaturityDate)) > 0;
bool isLastYear = i == numberOfYears - 1;
if (isLastYear || isNextYearGreaterThanMaturity)
{
endDate = existingLoan.MaturityDate;
}
var isFirstYear = i == 0;
if (isFirstYear)
{
startDate = loanApplication.RecastDate;
}
var remainingMonths = GetTotalRemainingMonths(startDate, endDate, isNextYearGreaterThanMaturity);
int totalRemainingInstallments = GetTotalRemainingInstallments(remainingMonths, existingLoan.PaymentFrequency);
decimal remainingInstallments = totalRemainingInstallments;
decimal amortization = GetAccumulatedAmortization(existingLoan.Amortization, remainingInstallments);
string debug = $"{existingLoan.Name}; months: {remainingMonths}; installments: {remainingInstallments}; frequency: {existingLoan.PaymentFrequency.ToString()}; amort: {amortization}";
annualRepayments.Add(amortization);
}
return(new LoanRepaymentCashFlowItem
{
Name = $"Repayment For - {existingLoan.Name}",
AnnualRepayments = annualRepayments
});
}
public decimal CalculateAnnualAmortization(ExistingLoan existingLoan, DateTime startDate)
{
DateTime endDate = startDate.AddMonths(12);
if (DateTime.Compare(existingLoan.MaturityDate, endDate) < 0)
{
endDate = existingLoan.MaturityDate;
}
int remaingMonths = ((endDate.Year - startDate.Year) * 12) + endDate.Month - startDate.Month;
int remainingPayments = (int)Math.Ceiling((decimal)remaingMonths / (int)existingLoan.PaymentFrequency);
return(remainingPayments * existingLoan.Amortization);
}
