} // Interest
/// <summary>
/// Calculates loan schedule.
/// </summary>
/// <param name="total">Total amount, that is taken</param>
/// <param name="loan">Loan object, or null. If loan is present, schedule is added to it.</param>
/// <param name="startDate">Starting day of loan. First payment is month later.</param>
/// <param name="interestOnlyTerm">Number of months in the beginning of the term to repay interest only.</param>
/// <param name="spreadSetupFee">Spread set up fee as monthly fees or just not transfer set up fee amount to
/// customer.</param>
/// <returns>List of scheduled payments.</returns>
public IList <LoanScheduleItem> Calculate(
decimal total,
Loan loan = null,
DateTime?startDate = null,
int interestOnlyTerm = 0,
bool spreadSetupFee = false
)
{
IList <LoanScheduleItem> schedule = loan == null ? new List <LoanScheduleItem>(Term) : loan.Schedule;
if (!startDate.HasValue)
{
startDate = DateTime.UtcNow;
}
LoanType loanType = loan == null ? new StandardLoanType() : loan.LoanType;
decimal[] balances = loanType.GetBalances(total, Term, interestOnlyTerm).ToArray();
decimal[] discounts = GetDiscounts(loan);
decimal[] setupFees = SpreadSetupFee(loan, spreadSetupFee);
decimal balance = total;
decimal repayment = balance;
for (int m = 0; m < Term; m++)
{
LoanScheduleItem item = null;
if (schedule.Count != Term)
{
item = new LoanScheduleItem {
Status = LoanScheduleStatus.StillToPay
};
schedule.Add(item);
}
else
{
item = schedule[m];
}
decimal currentInterestRate = Interest + Interest * discounts[m];
decimal roundedInterest = Math.Round(balance * currentInterestRate, 2);
repayment = balance - balances[m];
item.BalanceBeforeRepayment = balance;
balance = balances[m];
DateTime scheduledDate = startDate.Value.AddMonths(m + 1);
decimal currentSetupFee = setupFees[m];
if ((currentSetupFee > 0) && (loan != null))
{
loan.Charges.Add(new LoanCharge {
Amount = currentSetupFee,
AmountPaid = 0,
ChargesType = new ConfigurationVariable(CurrentValues.Instance.SpreadSetupFeeCharge),
Date = scheduledDate,
Description = "Set-up fee (spread)",
Loan = loan,
State = "Active",
});
} // if
item.Loan = loan;
item.Date = scheduledDate;
item.Balance = balance;
item.Interest = roundedInterest;
item.InterestRate = currentInterestRate;
item.AmountDue = repayment + roundedInterest + currentSetupFee;
item.Fees = currentSetupFee;
item.LoanRepayment = repayment;
} // for
if (loan != null)
{
loan.Interest = schedule.Sum(x => x.Interest);
loan.LoanAmount = total;
loan.Principal = total;
loan.Balance = loan.LoanAmount + loan.Interest;
loan.InterestRate = Interest;
loan.Date = startDate.Value;
loan.UpdateNexPayment();
} // if
return(schedule);
} // Calculate
