public void TestSecuredFixedRateLoan()
{
var testResult = new SecuredFixedRateLoan(null, new DateTime(DateTime.Today.Year, 1, 1), new Pecuniam(12143.06M), 0.016667f, 5);
Assert.IsNotNull(testResult);
Assert.IsNotNull(testResult.Balance);
Assert.IsFalse(testResult.Balance.IsEmpty);
}
public void TestGetRandomLoan()
{
var testResult = SecuredFixedRateLoan.RandomSecuredFixedRateLoan(new Pecuniam(8200.94M),
new Pecuniam(8200.94M + 3942.12M), 0.0557f, 5, null);
Assert.IsNotNull(testResult);
Assert.IsTrue(testResult.MinPaymentRate > 0);
Assert.IsTrue(testResult.Rate > 0);
Assert.AreNotEqual(SpStatus.NoHistory, testResult.CurrentStatus);
Assert.AreNotEqual(Pecuniam.Zero, testResult.Value);
var calcMinPayment = testResult.GetMinPayment(testResult.Inception.AddDays(30));
Console.WriteLine(calcMinPayment);
}
public void TestGetRandomLoanWithHistory()
{
var testResult = SecuredFixedRateLoan.RandomSecuredFixedRateLoanWithHistory(new Pecuniam(8200.94M),
new Pecuniam(8200.94M + 3942.12M), 0.0557f);
Assert.IsNotNull(testResult);
Assert.IsTrue(testResult.MinPaymentRate > 0);
Assert.IsTrue(testResult.Rate > 0);
Assert.IsNotNull(testResult.CurrentStatus);
Assert.AreNotEqual(SpStatus.NoHistory, testResult.CurrentStatus);
Assert.AreNotEqual(Pecuniam.Zero, testResult.Value);
Console.WriteLine("Loan Amount : {0}", testResult.OriginalBorrowAmount);
Console.WriteLine("MinPaymentRate : {0}", testResult.MinPaymentRate);
Console.WriteLine("Rate : {0}", testResult.Rate);
Console.WriteLine("CurrentStatus : {0}", testResult.CurrentStatus);
Console.WriteLine("CurrentValue : {0}", testResult.Value);
foreach (var t in testResult.Balance.GetTransactions(null, null, true))
{
Console.WriteLine(string.Join(" ", t.AtTime, t.Cash, t.Description));
}
}
public void TestGetCurrentPayoff()
{
//intial
var startDate = new DateTime(2013, 8, 15);
var testLoan = new SecuredFixedRateLoan(null, startDate, 0.016667f, new Pecuniam(3978.92M))
{
Rate = 0.07299f
};
for (var i = 0; i < 48; i++)
{
testLoan.AddNegativeValue(startDate.AddMonths(i + 1), new Pecuniam(95.52M), new VocaBase("Vehicle Payment"));
}
var lastPmtDate = new DateTime(2017, 9, 15);
var payoff = testLoan.GetValueAt(lastPmtDate);
testLoan.AddNegativeValue(lastPmtDate, payoff, new VocaBase(null, "payoff"));
Assert.AreEqual(Pecuniam.Zero, testLoan.Value);
var fv = testLoan.GetValueAt(new DateTime(2028, 12, 15));
Console.WriteLine(fv);
}
protected internal override NamedTradeline GetNamedReceivableForItemAndGroup(string item, string grp,
AmericanDomusOpesOptions options, double rate)
{
const StringComparison OPT = StringComparison.OrdinalIgnoreCase;
const float FED_RATE = RiskFreeInterestRate.DF_VALUE;
options = options ?? AmericanDomusOpesOptions.RandomOpesOptions();
var startDate = options.Inception;
var amtR = options.SumTotal;
var isCheckingAccount = string.Equals(grp, AssetGroupNames.INSTITUTIONAL, OPT) &&
string.Equals(item, INSTITUTIONAL_CHECKING, OPT);
var isSavingsAccount = string.Equals(grp, AssetGroupNames.INSTITUTIONAL, OPT) &&
string.Equals(item, INSTITUTIONAL_SAVINGS, OPT);
var isMortgage = !options.IsRenting && string.Equals(grp, AssetGroupNames.REAL_PROPERTY, OPT) &&
string.Equals(item, REAL_PROPERTY_HOME_OWNERSHIP, OPT);
var isCarLoan = options.NumberOfVehicles > 0 &&
string.Equals(grp, AssetGroupNames.PERSONAL_PROPERTY, OPT) &&
string.Equals(item, PERSONAL_PROPERTY_MOTOR_VEHICLES, OPT);
NamedTradeline p;
if (isCheckingAccount)
{
var checkingAmt = amtR == null || amtR == 0
? _randCheckingAcctAmt
: _checkingAccountRate * amtR;
p = DepositAccount.RandomCheckingAccount(options.PersonsName, startDate,
$"{Etx.RandomInteger(1, 9999):0000}");
((DepositAccount)p).Deposit(startDate.AddDays(-1), (checkingAmt ?? 0).ToPecuniam());
}
else if (isSavingsAccount)
{
var savingAmt = amtR == null || amtR == 0
? _randSavingsAcctAmt
: _savingsAccountRate * amtR;
p = DepositAccount.RandomSavingAccount(options.PersonsName, startDate);
((DepositAccount)p).Deposit(startDate.AddDays(-1), (savingAmt ?? 0).ToPecuniam());
}
else if (isMortgage || isCarLoan)
{
var homeDebtAmt = amtR == null || amtR == 0
? _randHomeDebt
: _homeDebtRate * amtR;
var homeEquityAmt = amtR == null || amtR == 0
? _randHomeEquity
: _homeEquityRate * amtR;
var carDebtAmt = amtR == null || amtR == 0
? _randCarDebt
: _carDebtRate * amtR;
var carEquityAmt = amtR == null || amtR == 0
? _randCarEquity
: _carEquityRate * amtR;
var baseRate = isMortgage ? FED_RATE : FED_RATE + 3.2;
var creditScore = new PersonalCreditScore(options.FactorOptions.DateOfBirth)
{
OpennessZscore = options.Personality?.Openness?.Value?.Zscore ?? 0D,
ConscientiousnessZscore = options.Personality?.Conscientiousness?.Value?.Zscore ?? 0D
};
var randRate = (float)creditScore.GetRandomInterestRate(null, baseRate) * 0.01f;
var id = isMortgage
? (Identifier)PostalAddress.RandomAmericanAddress()
: Vin.RandomVin();
var remainingCost = isMortgage
? (homeDebtAmt ?? 0).ToPecuniam()
: (carDebtAmt ?? 0).ToPecuniam();
var totalValue = isMortgage
? ((homeDebtAmt ?? 0) + (homeEquityAmt ?? 0)).ToPecuniam()
: ((carDebtAmt ?? 0) + (carEquityAmt ?? 0)).ToPecuniam();
var buyer = options.Personality;
var termInYears = isMortgage ? 30 : 5;
Func <bool> irresp = () => false;
if (buyer != null)
{
irresp = buyer.GetRandomActsIrresponsible;
}
p = SecuredFixedRateLoan.RandomSecuredFixedRateLoanWithHistory(remainingCost,
totalValue,
randRate,
termInYears,
id, irresp);
p.Name = item;
p.AddName(KindsOfNames.Group, grp);
}
else
{
p = base.GetNamedReceivableForItemAndGroup(item, grp, options, rate);
}
return(p);
}
public void TestGetCurrentPayoff_DelinqAlot()
{
var testLoan = new SecuredFixedRateLoan(null, new DateTime(2013, 10, 13), 0.016667f, new Pecuniam(1461.62M))
{
Rate = 0.08499f,
MinPaymentRate = 0.016667f
};
testLoan.AddNegativeValue(Convert.ToDateTime("2013-11-20 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2013-12-25 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-01-28 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-02-21 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-03-23 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-04-20 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-05-23 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-06-24 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-07-24 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-08-27 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-09-26 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-10-23 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-11-26 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2014-12-21 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-01-19 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-02-25 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-03-22 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-04-21 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-05-18 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-06-19 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-07-28 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-08-27 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-09-22 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-10-22 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-11-27 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2015-12-24 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-01-28 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-02-25 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-03-26 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-04-27 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-05-26 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-06-28 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-07-20 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-08-27 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-09-22 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-10-23 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-11-18 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2016-12-20 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-01-20 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-02-28 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-03-25 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-04-18 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-05-24 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-06-21 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-07-25 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
testLoan.AddNegativeValue(Convert.ToDateTime("2017-08-20 00:00:00.0000"), new Pecuniam(37.26M), new VocaBase("Vehicle Payment"));
var payoff = testLoan.GetValueAt(new DateTime(2017, 9, 21));
testLoan.AddNegativeValue(new DateTime(2017, 9, 21), payoff, new VocaBase("payoff"));
payoff = testLoan.GetValueAt(new DateTime(2017, 9, 22));
Console.WriteLine(payoff);
Assert.AreEqual(Pecuniam.Zero, payoff);
}
