public TInstallment[] CalculatePaybackPlan(TLoanParameters LoanParameters, decimal Amount, int PaybackYears)
{
List<TInstallment> installments = new List<TInstallment>();
int PaybackPeriods = PaybackYears * LoanParameters.NrOfPaymentsPerYear;
decimal currInstallment = Amount / PaybackPeriods;
decimal currAmount = Amount;
for (int i = 1; i <= PaybackPeriods; i++)
{
TInstallment installment = new TInstallment();
installment.Month = i;
installment.Capital = currInstallment;
installment.Interest = (currAmount * LoanParameters.InterestRate / 100 / LoanParameters.NrOfPaymentsPerYear);
installments.Add(installment);
currAmount -= currInstallment;
}
return installments.ToArray();
}
public TInstallment[] CalculatePaybackPlan(TLoanParameters LoanParameters, decimal Amount, int PaybackYears)
{
List<TInstallment> installments = new List<TInstallment>();
int PaybackPeriods = PaybackYears * LoanParameters.NrOfPaymentsPerYear;
double y = 1 + (double)LoanParameters.InterestRate/ 100 / LoanParameters.NrOfPaymentsPerYear;
decimal dInstallment = (decimal)( (double)Amount * Math.Pow( y , PaybackPeriods) * (y - 1) / ( Math.Pow(y, PaybackPeriods) - 1));
decimal currAmount = Amount;
for (int i = 1; i <= PaybackPeriods; i++)
{
TInstallment installment = new TInstallment();
installment.Month = i;
installment.Interest = (currAmount * LoanParameters.InterestRate/ 100 / LoanParameters.NrOfPaymentsPerYear);
installment.Capital = dInstallment - installment.Interest;
installments.Add(installment);
currAmount -= installment.Capital;
}
return installments.ToArray();
}