def plot(n_click, principal, payment, rate, ext_pay):
if ext_pay is None:
loan = Loan.Loan(principal=principal,
rate=rate,
payment=payment,
extra_payment=0)
else:
loan = Loan.Loan(principal=principal,
rate=rate,
payment=payment,
extra_payment=ext_pay)
loan.check_loan_parameters()
loan.compute_schedule()
payment_number, applied_ext, applied_principal, applied_interest, end_principal = [], [], [], [], []
for pay in loan.schedule.values():
payment_number.append(pay[0])
applied_ext.append(pay[3])
applied_principal.append(pay[4])
applied_interest.append(pay[5])
end_principal.append(pay[6])
ind = np.arange(1, len(payment_number) + 1)
fig = go.Figure(data=[
go.Bar(name="Principal",
x=ind,
y=applied_principal,
hovertemplate="Principal:%{y:$.2f}",
marker_color="#92A8D1"),
go.Bar(name="Extra Payment",
x=ind,
y=applied_ext,
hovertemplate="Extra Payment:%{y:$.2f}",
marker_color="#8FBC8F"),
go.Bar(name="Interest",
x=ind,
y=applied_interest,
hovertemplate="Interest:%{y:$.2f}",
marker_color="#DEB887")
])
fig.update_layout(barmode='stack',
yaxis=dict(title='$ USD',
titlefont_size=16,
tickfont_size=14),
xaxis=dict(title='Payment Period'))
fig.update_layout(barmode='stack',
yaxis=dict(title='$ USD',
titlefont_size=16,
tickfont_size=14),
xaxis=dict(title='Payment Period'))
return dcc.Graph(figure=fig)
def test_status_validation(self):
LOAN1 = Loan(None, None, None)
for txt in ("Bad", "FOO", "Invalid", "approved", None):
LOAN1.loan_status = txt
with self.assertRaises(InvalidLoanStatusError) as context:
LOAN1.validate_loan_status()
def compute_schedule(principal, rate, payment, extra_payment):
loan = None
try:
loan = Loan(principal=principal,
rate=rate,
payment=payment,
extra_payment=extra_payment)
loan.check_loan_parameters()
loan.compute_schedule()
except ValueError as ex:
print(ex)
loans.add_loan(loan)
Helper.plot(loan)
Helper.print(loan)
Helper.getimg(loan)
print(round(loan.total_principal_paid, 2),
round(loan.total_interest_paid, 2),
round(loan.time_to_loan_termination, 0))
if loans.get_loan_count() == 3:
loans.aggregate()
Helper.plot(loans)
Helper.print(loans)
def test_to_jsonable(self):
LOAN1 = Loan("123-45-6789", 12345, 67890, 987)
LOAN1.loan_status = "New"
# just making sure this executes, don't need to check that json package works
encode_me = LOAN1.to_jsonable()
self.assertTrue(len(encode_me) > 0,"JSON encoding should exist")
def main():
os.chdir('D:\Documents - HDD')
wb = openpyxl.load_workbook('Loan_Spreadsheet.xlsx')
type(wb)
# changing the sheet to the "List" sheets where the loans are
wb.active = 1
sheet = wb.active
loanList = []
# creates the "Loan" object and appends to a list
for x in range(sheet.max_row):
name = sheet.cell(x + 1, 1)
t = sheet.cell(x + 1, 2)
amt = sheet.cell(x + 1, 3)
interest = sheet.cell(x + 1, 4)
dateBorrowed = sheet.cell(x + 1, 5)
print(name.value, " | ", t.value, " | ", amt.value, " | ",
interest.value, " | ", dateBorrowed.value)
l = Loan(name, t, amt, interest, dateBorrowed)
loanList.append(l)
print("\n")
loanCal(loanList)
def book_car(self, car, name, age, licence, email, date, period, pickup, dropoff):
customer = Customer(name, age, email, licence)
loan = Loan(car, customer, date, period, pickup, dropoff)
self._loans.append(loan)
print(loan)
def test_property_value_validation(self):
LOAN1 = Loan(None, None, None)
for amt in (0, -10, None):
LOAN1.prop_value = amt
with self.assertRaises(InvalidPropertyValueError) as context:
LOAN1.validate_prop_value()
def test_loan_value_validation(self):
LOAN1 = Loan(None, None, None)
for amt in (0, -10, None):
LOAN1.loan_value = amt
with self.assertRaises(InvalidLoanValueError) as context:
LOAN1.validate_loan_value()
def test_loan_with_extra_payment(principal, rate, payment, extra_payment,
total_principal_paid, total_interest_paid,
time_to_loan_termination):
tolerance_for_cash = 5.0
tolerance_for_time = 1.0
loan = None
try:
loan = Loan(principal=principal, rate=rate, payment=payment, extra_payment=extra_payment)
loan.check_loan_parameters()
loan.compute_schedule()
except ValueError as ex:
print(ex)
loans.add_loan(loan)
Helper.plot(loan)
print(round(loan.total_principal_paid, 2), round(loan.total_interest_paid, 2),
round(loan.time_to_loan_termination, 0))
assert abs(loan.total_principal_paid - total_principal_paid) <= tolerance_for_cash
assert abs(loan.total_interest_paid - total_interest_paid) <= tolerance_for_cash
assert abs(loan.time_to_loan_termination - time_to_loan_termination) <= tolerance_for_time
if loans.get_loan_count() == 2:
loans.aggregate()
Helper.plot(loans)
def test_ltv_validation(self):
LOAN1 = Loan(None, None, None)
LOAN1.prop_value = 5000
# 100% loan amount, too high!
#
LOAN1.loan_value = LOAN1.prop_value
with self.assertRaises(ExcessLoanToValueError) as context:
LOAN1.validate_ltv()
# 50% loan amount, still too much
#
LOAN1.loan_value = LOAN1.prop_value * 0.5
with self.assertRaises(ExcessLoanToValueError) as context:
LOAN1.validate_ltv()
# 40% loan amount is the cap
#
LOAN1.loan_value = LOAN1.prop_value * 0.4
LOAN1.validate_ltv()
# And lower is OK, too
#
LOAN1.loan_value = LOAN1.prop_value * 0.1
LOAN1.validate_ltv()
def test_db_load(self):
LOAN1 = Loan("123-45-6789", 12345, 67890)
db = sqlite3.connect(TEST_DB)
LOAN1.loan_status = "Awesome"
LOAN1.save(db)
LOAN2 = Loan(None, None, None, LOAN1.loan_id)
self.assertTrue(LOAN2.loan_id == LOAN1.loan_id, "Loan id issue")
LOAN2.load(db)
self.assertTrue(LOAN2.payer_ssn == LOAN1.payer_ssn, "SSN issue")
self.assertTrue(LOAN2.prop_value == LOAN1.prop_value, "Property value issue")
self.assertTrue(LOAN1.loan_value == LOAN1.loan_value, "Loan value issue")
self.assertTrue(LOAN2.loan_status == LOAN1.loan_status, "Loan status issue")
db.close()
def compute_schedule(principal, rate, payment, extra_payment):
loan = None
try:
loan = Loan(principal, rate, payment, extra_payment)
loan.check_loan_parameters()
loan.compute_schedule()
except ValueError as ex:
print(ex)
return loan
def test_creates(self):
LOAN1 = Loan("123-45-6789", 12345, 67890)
self.assertTrue("123-45-6789" == LOAN1.payer_ssn, "SSN issue")
self.assertTrue(12345 == LOAN1.prop_value, "Property value issue")
self.assertTrue(67890 == LOAN1.loan_value, "Loan value issue")
self.assertIsNone(LOAN1.loan_status, "Loan should not have a status")
self.assertIsNone(LOAN1.loan_id, "Loan should not have an id")
#
LOAN2 = Loan("012-34-5678", 300, 400, "abc-def-ghijkl")
self.assertTrue("012-34-5678" == LOAN2.payer_ssn, "SSN issue")
self.assertTrue(300 == LOAN2.prop_value, "Property value issue")
self.assertTrue(400 == LOAN2.loan_value, "Loan value issue")
self.assertIsNone(LOAN2.loan_status, "Loan should not have a status")
self.assertTrue("abc-def-ghijkl" == LOAN2.loan_id, "Loan should have an id")
def create_table(n_click, principal, payment, rate, ext_pay):
loans = LoanPortfolio.LoanPortfolio()
if ext_pay is None:
loan = Loan.Loan(principal=principal,
rate=rate,
payment=payment,
extra_payment=0)
else:
loan = Loan.Loan(principal=principal,
rate=rate,
payment=payment,
extra_payment=ext_pay)
loan.check_loan_parameters()
loan.compute_schedule()
loans.add_loan(loan)
helper = Helper.Helper()
table = helper.print_df(loan)
if loans.get_loan_count() == 3:
loans.aggregate()
helper = Helper.Helper()
table = helper.print_df(loans)
temp = dash_table.DataTable(data=table.to_dict("records"),
columns=[{
'id': c,
'name': c
} for c in table.columns],
style_cell={'textAlign': 'center'},
style_as_list_view=True,
style_header={
'backgroundColor': '#E9DADA',
'fontWeight': 'bold'
},
style_table={
'height': '400px',
'overflowY': 'auto'
})
return temp
def compute_schedule(principal, rate, payment, extra_payment):
loans.schedule = {}
loan = None
try:
loan = Loan(principal=principal, rate=rate, payment=payment, extra_payment=extra_payment)
loan.check_loan_parameters()
loan.compute_schedule()
except ValueError as ex:
print(ex)
#Add loans to portfolio and start aggregation
loans.add_loan(loan)
loans.aggregate()
def end_date(principal, payment, rate, ext_pay, date_value):
loans = LoanPortfolio.LoanPortfolio()
if ext_pay is None:
loan = Loan.Loan(principal=principal,
rate=rate,
payment=payment,
extra_payment=0)
else:
loan = Loan.Loan(principal=principal,
rate=rate,
payment=payment,
extra_payment=ext_pay)
loan.check_loan_parameters()
loan.compute_schedule()
loans.add_loan(loan)
helper = Helper.Helper()
table = helper.print_df(loan)
if loans.get_loan_count() == 3:
loans.aggregate()
helper = Helper.Helper()
table = helper.print_df(loans)
period = table.shape[0]
year = int(date_value[:4])
month = int(date_value[5:7])
for i in range(period):
if month == 12:
year += 1
month = 1
else:
month += 1
month = calendar.month_name[month]
end_date = "Your estimated loan end date is {},{}".format(month, year)
return end_date
def table_figure2(loan_amount, interest_rate, payment, extra1, extra2, extra3,
start_date1):
y = int(
list(start_date1)[0] + list(start_date1)[1] + list(start_date1)[2] +
list(start_date1)[3])
m = int(list(start_date1)[5] + list(start_date1)[6])
d = min(int(list(start_date1)[8] + list(start_date1)[9]), 28)
start_date = date(y, m, d)
if loan_amount != None and payment != None and interest_rate != None:
ex1 = disting(extra1)
ex2 = disting(extra2)
ex3 = disting(extra3)
loan = Loan(loan_amount, interest_rate, payment, ex1 + ex2 + ex3)
a, b, c = compute_schedule_loan(loan_amount, interest_rate, payment,
ex1 + ex2 + ex3)
loan_noextra = Loan(loan_amount, interest_rate, payment, 0)
df = date_trans(to_df(loan), start_date)
df_noextra = date_trans(to_df(loan_noextra), start_date)
new_df = pd.concat([
df_noextra['Month'], df_noextra['End Principal'],
df['End Principal']
],
axis=1)
new_df.columns = ['Month', 'No extra', 'Extra all']
new_df = new_df.append(
{
'Month': start_date,
'No extra': loan_amount,
'Extra all': loan_amount
},
ignore_index=True).sort_values(by='Month')
return df.to_dict('record'), a, b, c, new_df.to_dict('record')
else:
df = pd.DataFrame(columns=[
'Month', 'Begin Principal', 'Payment', 'Extra Payment',
'Applied Principal', 'Applied Interest', 'End Principal'
])
return df.to_dict('record'), 0, 0, 0, []
def test_ssn_validation(self):
LOAN1 = Loan(None, None, None)
# SSN should look like AAA-GG-SSSS where A/G/S are 0-9...
#
for ssn in ("1234", "foo", "123456789", "329487240948372039487231", None):
LOAN1.payer_ssn = ssn
with self.assertRaises(FormatSSNError) as context:
LOAN1.validate_payer_ssn()
# ...except A cannot be 000, 666, or any 9xx
#
for ssn in ("000-12-3456","666-77-8888","900-12-6473","999-12-6473"):
LOAN1.payer_ssn = ssn
with self.assertRaises(InvalidSSNError) as context:
LOAN1.validate_payer_ssn()
def test_db_save(self):
LOAN1 = Loan("123-45-6789", 12345, 67890)
db = sqlite3.connect(TEST_DB)
self.assertIsNone(LOAN1.loan_id, "Loan should not have an id")
LOAN1.save(db)
self.assertIsNotNone(LOAN1.loan_id, "Loan should have an id after saving")
# with the id stored, a different branch is executed
#
# just validating that it doesn't fail in this test, load test checks values
LOAN1.save(db)
db.close()
def main():
parser = argparse.ArgumentParser()
parser.add_argument('-p','--principal',
help='Principal amount on loan',
required=True,
type=float,
metavar='P')
parser.add_argument('-n','--name',
help='Name for specific Loan. (car, student, house)',
required=False,
type=str,
metavar='N',
default='')
parser.add_argument('-i','--interest',
help=r'''Interest rate on loan in terms of decimal.
If it's 5.00%% enter .05''',
required=True,
type=float,
metavar='I')
parser.add_argument('-m','--monthly',
help='Monthly payment on loan',
required=True,
type=float,
metavar='M')
args = parser.parse_args()
loan1 = Loan.Loan(args.principal, args.interest)
months = 0
monthly_pay = args.monthly
while(not loan1.is_zero()):
months += 1
loan1.pay(monthly_pay)
message = 'Time to pay off {}loan: {} years and {} months'.format(args.name+' ', months//12, months % 12)
print(message)
message = 'Total interest paid over time: ${:,.2f}'.format(loan1.interest_paid)
print(message)
def compute_schedule_loan(principal, rate, payment, extra_payment):
loan = Loan(principal=principal, rate=rate, payment=payment, extra_payment=extra_payment)
loan.check_loan_parameters()
loan.compute_schedule()
return round(loan.total_principal_paid, 2) + round(loan.total_interest_paid, 2), round(loan.total_interest_paid, 2), round(loan.time_to_loan_termination, 0)
"Num of Lenders"))
for i in range(0, len(data)):
print("{:<10} {:<15} {:<15} {:<10} {:<15} {:<5}".format(
data[i].id, data[i].loan_amount, data[i].country_name,
data[i].status, data[i].time_to_raise, data[i].num_lenders_total))
with open('data.csv') as csv_file:
csv_reader = csv.reader(csv_file, delimiter=',')
line_count = 0
for row in csv_reader:
if line_count == 0:
line_count += 1
continue
# print(row[1])
data.append(Loan(row[0], row[1], row[2], row[3], row[4], row[5]))
line_count += 1
def find_total_amount(data):
sum = 0
for i in range(0, 25): # data samples = 25
sum += int(data[i].loan_amount)
return sum
def find_average_amount(data):
sum = 0
for i in range(0, 25): # data samples = 25
sum += int(data[i].loan_amount)
return sum / 25
def update_output_div(principal, payment, rate, extra_payment, c1, c2, c3,
btn1, btn2, bt3):
global loans
changed_id = [p['prop_id'] for p in dash.callback_context.triggered][0]
if 'btn-nclicks-1' in changed_id:
loan = None
try:
loan = Loan(principal=float(principal),
rate=float(rate),
payment=float(payment),
extra_payment=float(extra_payment))
loan.check_loan_parameters()
loan.compute_schedule()
except ValueError as ex:
print(ex)
loans.add_loan(loan)
msg = 'add loan success'
loans.aggregate()
# msg = re.sub('\r\n', '<br>', str(Helper.print(loans)))
return html.Div([
html.H5('Current loan: '),
html.Table([
html.Thead(
html.Tr([
html.Th(col) for col in [
'Payment Number', 'Begin Principal', 'Payment',
'Extra Payment', 'Applied Principal',
'Applied Interest', 'End Principal'
]
])),
html.Tbody([
html.Tr([
html.Td(Helper.display(float(pay[i])))
for i in range(7)
]) for pay in loan.schedule.values()
])
]),
dcc.Graph(figure=Helper.getimg(loan)),
html.H5('ALL loans: '),
html.Table([
html.Thead(
html.Tr([
html.Th(col) for col in [
'Payment Number', 'Begin Principal', 'Payment',
'Extra Payment', 'Applied Principal',
'Applied Interest', 'End Principal'
]
])),
html.Tbody([
html.Tr([
html.Td(Helper.display(float(pay[i])))
for i in range(7)
]) for pay in loans.schedule.values()
])
]),
dcc.Graph(figure=Helper.getimg(loans))
])
elif 'btn-nclicks-2' in changed_id:
loans = LoanPortfolio()
msg = 'clear success'
elif 'btn-nclicks-3' in changed_id:
loan_impacts = LoanImpacts(
principal=float(principal),
rate=float(rate),
payment=float(payment),
extra_payment=float(extra_payment),
contributions=[float(c1), float(c2),
float(c3)])
impdata = loan_impacts.compute_impacts()
return html.Div([
html.H5('Loan impact: '),
html.Table([
html.Thead(
html.Tr([
html.Th(col) for col in [
'Index', 'InterestPaid', 'Duration', 'MIInterest',
'MIDuration'
]
])),
html.Tbody([
html.Tr([html.Td(pay[i]) for i in range(5)])
for pay in impdata
])
])
])
else:
msg = 'None of the buttons have been clicked yet'
return 'Output: {}'.format(msg)
