def test__calculate_loan_periods(self):
loan = Mortgage()
loan.tenor = 1
loan._calculate_loan_periods()
np.testing.assert_array_equal(loan.loan_periods, list(range(1, 13, 1)))
loan.tenor = 2
loan._calculate_loan_periods()
np.testing.assert_array_equal(loan.loan_periods, list(range(1, 25, 1)))
def test__calculate_amortization_schedule(self):
loan = Mortgage()
loan.tenor = 1
loan.interest_schedule = np.asarray(range(1, 13, 1))
loan.principal_schedule = np.asarray(range(12, 0, -1))
loan._calculate_amortization_schedule()
expected = [13] * 12
np.testing.assert_array_equal(loan.amortization_schedule, expected)
def test__calculate_principal_schedule(self):
loan = Mortgage()
loan.principal = 200e3
loan.tenor = 30
loan.loan_periods = np.arange(30 * 12) + 1
loan.rate = 0
loan._calculate_principal_schedule()
expected = [200000 / 30 / 12] * 30 * 12
self.assertEquals(loan.principal_schedule, expected)
loan.rate = 6.5 / 100
loan._calculate_principal_schedule()
# Assert size, first element, last element, and sum
self.assertEquals(len(loan.principal_schedule), 30 * 12)
self.assertAlmostEquals(loan.principal_schedule[0], 180.80, places=2)
self.assertAlmostEquals(loan.principal_schedule[-1], 1257.33, places=2)
self.assertAlmostEquals(sum(loan.principal_schedule), 200e3, places=2)
def test__calculate_interest_schedule(self):
loan = Mortgage()
loan.principal = 200e3
loan.tenor = 30
loan.loan_periods = np.arange(30 * 12) + 1
loan.rate = 0
loan._calculate_interest_schedule()
expected = [0] * 30 * 12
np.testing.assert_array_equal(loan.interest_schedule, expected)
loan.rate = 6.5 / 100
loan._calculate_interest_schedule()
# Assert size, first element, last element, and sum
self.assertEquals(len(loan.interest_schedule), 30 * 12)
self.assertAlmostEquals(loan.interest_schedule[0], 1083.33, places=2)
self.assertAlmostEquals(loan.interest_schedule[-1], 6.81, places=2)
self.assertAlmostEquals(sum(loan.interest_schedule),
255088.98,
places=2)