def compute_impacts(self):
# setup a loan portfolio
# loan_portfolio = LoanPortfolio()
# loan with all contributions (mi)_all
#
loan_all = Loan(principal=self.principal, rate=self.rate,
payment=self.payment, extra_payment=self.extra_payment + sum(self.contributions))
loan_all.check_loan_parameters()
loan_all.compute_schedule()
# loan with no contributions (mi)_0
#
loan_none = Loan(principal=self.principal, rate=self.rate,
payment=self.payment, extra_payment=self.extra_payment)
loan_none.check_loan_parameters()
loan_none.compute_schedule()
micro_impact_interest_paid_all = \
(loan_none.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration_all = -\
(loan_none.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid_all = loan_none.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration_all = loan_none.time_to_loan_termination / loan_all.time_to_loan_termination
print(f'\nIndex\tInterestPaid\tDuration\tMIInterest\tMIDuration')
print(f'ALL \t\t',
round(loan_all.total_interest_paid, 2), f'\t\t', loan_all.time_to_loan_termination)
print(f'0\t\t\t',
round(loan_none.total_interest_paid, 2), f'\t\t', loan_none.time_to_loan_termination, f'\t\t',
round(micro_impact_interest_paid_all, 4), f'\t', round(micro_impact_duration_all, 4))
# iterate over each contribution (mi)_index
#
#res = ['Index', 'InterestPaid', 'Duration', 'MIInterest', 'MIDuration']
res = [[0, round(loan_none.total_interest_paid, 2), loan_none.time_to_loan_termination,
round(micro_impact_interest_paid_all, 4), round(micro_impact_duration_all, 4)]]
for index, contribution in enumerate(self.contributions):
loan_index = Loan(principal=self.principal, rate=self.rate, payment=self.payment,
extra_payment=self.extra_payment + sum(self.contributions) - contribution)
loan_index.check_loan_parameters()
loan_index.compute_schedule()
micro_impact_interest_paid = \
(loan_index.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration = \
(loan_index.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid = loan.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration = loan.time_to_loan_termination / loan_all.time_to_loan_termination
print(index+1, f'\t\t\t',
round(loan_index.total_interest_paid, 2), f'\t\t', loan_index.time_to_loan_termination, f'\t\t',
round(micro_impact_interest_paid, 4), f'\t', round(micro_impact_duration, 4))
res.append([index+1, round(loan_index.total_interest_paid, 2), loan_index.time_to_loan_termination,
round(micro_impact_interest_paid, 4), round(micro_impact_duration, 4)])
return res
def compute_impacts(self):
# setup a loan portfolio
# loan_portfolio = LoanPortfolio()
# loan with all contributions (mi)_all
#
loan_all = Loan(principal=self.principal,
rate=self.rate,
payment=self.payment,
extra_payment=self.extra_payment +
sum(self.contributions))
loan_all.check_loan_parameters()
loan_all.compute_schedule()
# loan with no contributions (mi)_0
#
loan_none = Loan(principal=self.principal,
rate=self.rate,
payment=self.payment,
extra_payment=self.extra_payment)
loan_none.check_loan_parameters()
loan_none.compute_schedule()
micro_impact_interest_paid_all = \
(loan_none.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration_all = -\
(loan_none.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid_all = loan_none.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration_all = loan_none.time_to_loan_termination / loan_all.time_to_loan_termination
# print(f'\nIndex\tInterestPaid\tDuration\tMIInterest\tMIDuration')
# print(f'ALL\t',
# round(loan_all.total_interest_paid, 2), f'\t\t', loan_all.time_to_loan_termination)
# print(f'0\t',
# round(loan_none.total_interest_paid, 2), f'\t\t', loan_none.time_to_loan_termination, f'\t\t',
# round(micro_impact_interest_paid_all, 4), f'\t\t', round(micro_impact_duration_all, 4))
df = pd.DataFrame(columns=[
'Index', 'InterestPaid', 'Duration', 'MIInterest', 'MIDuration'
])
list = [
'ALL',
round(loan_all.total_interest_paid, 2),
loan_all.time_to_loan_termination, None, None
]
df.loc[len(df)] = list
list = [
0,
round(loan_none.total_interest_paid, 2),
loan_none.time_to_loan_termination,
round(micro_impact_interest_paid_all, 4),
round(micro_impact_duration_all, 4)
]
df.loc[len(df)] = list
i = 2
# iterate over each contribution (mi)_index
#
for index, contribution in enumerate(self.contributions):
loan_index = Loan(principal=self.principal,
rate=self.rate,
payment=self.payment,
extra_payment=self.extra_payment +
sum(self.contributions) - contribution)
loan_index.check_loan_parameters()
loan_index.compute_schedule()
micro_impact_interest_paid = \
(loan_index.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration = \
(loan_index.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid = loan.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration = loan.time_to_loan_termination / loan_all.time_to_loan_termination
# print(index+1, f'\t',
# round(loan_index.total_interest_paid, 2), f'\t\t', loan_index.time_to_loan_termination, f'\t\t',
# round(micro_impact_interest_paid, 4), f'\t\t', round(micro_impact_duration, 4))
list = [
i - 1,
round(loan_index.total_interest_paid, 2),
loan_index.time_to_loan_termination,
round(micro_impact_interest_paid, 4),
round(micro_impact_duration, 4)
]
df.loc[len(df)] = list
i += 1
df = df.reset_index(drop=True)
return df
def compute_impacts(self):
# setup a loan portfolio
# loan_portfolio = LoanPortfolio()
# loan with all contributions (mi)_all
#
loan_all = Loan(principal=self.principal, rate=self.rate,
payment=self.payment, extra_payment=self.extra_payment + sum(self.contributions))
loan_all.check_loan_parameters()
loan_all.compute_schedule()
# loan with no contributions (mi)_0
#
loan_none = Loan(principal=self.principal, rate=self.rate,
payment=self.payment, extra_payment=self.extra_payment)
loan_none.check_loan_parameters()
loan_none.compute_schedule()
micro_impact_interest_paid_all = \
(loan_none.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration_all = -\
(loan_none.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid_all = loan_none.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration_all = loan_none.time_to_loan_termination / loan_all.time_to_loan_termination
self.results.append(['Index','InterestPaid','Duration','MIInterest','MIDuration'])
self.results.append(['All',
round(loan_all.total_interest_paid, 2),
loan_all.time_to_loan_termination,
None,
None
])
self.results.append(['0',
round(loan_none.total_interest_paid, 2),
loan_none.time_to_loan_termination,
round(micro_impact_interest_paid_all, 4),
round(micro_impact_duration_all, 4)
])
# iterate over each contribution (mi)_index
#
for index, contribution in enumerate(self.contributions):
loan_index = Loan(principal=self.principal, rate=self.rate, payment=self.payment,
extra_payment=self.extra_payment + sum(self.contributions) - contribution)
loan_index.check_loan_parameters()
loan_index.compute_schedule()
micro_impact_interest_paid = \
(loan_index.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration = \
(loan_index.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid = loan.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration = loan.time_to_loan_termination / loan_all.time_to_loan_termination
self.results.append([str(index+1),
round(loan_index.total_interest_paid, 2),
loan_index.time_to_loan_termination,
round(micro_impact_interest_paid, 4),
round(micro_impact_duration, 4)
])
def compute_impacts(self):
table = ""
dict = {}
# setup a loan portfolio
# loan_portfolio = LoanPortfolio()
# loan with all contributions (mi)_all
#
loan_all = Loan(principal=self.principal,
rate=self.rate,
payment=self.payment,
extra_payment=self.extra_payment +
sum(self.contributions))
loan_all.check_loan_parameters()
loan_all.compute_schedule()
# loan with no contributions (mi)_0
#
loan_none = Loan(principal=self.principal,
rate=self.rate,
payment=self.payment,
extra_payment=self.extra_payment)
loan_none.check_loan_parameters()
loan_none.compute_schedule()
micro_impact_interest_paid_all = \
(loan_none.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration_all = -\
(loan_none.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid_all = loan_none.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration_all = loan_none.time_to_loan_termination / loan_all.time_to_loan_termination
table += '\nIndex\tInterestPaid\tDuration\tMIInterest\tMIDuration'
table += '\nALL \t\t' + str(round(
loan_all.total_interest_paid, 2)) + '\t\t' + str(
loan_all.time_to_loan_termination)
table += '\n0\t\t\t' + str(round(
loan_none.total_interest_paid, 2)) + '\t\t' + str(
loan_none.time_to_loan_termination)
table += '\t\t' + str(round(micro_impact_interest_paid_all,
4)) + '\t' + str(
round(micro_impact_duration_all, 4))
dict["All"] = ("All", round(loan_all.total_interest_paid, 2),
loan_all.time_to_loan_termination, "", "")
dict[0] = (0, round(loan_all.total_interest_paid,
2), loan_all.time_to_loan_termination,
round(micro_impact_interest_paid_all,
4), round(micro_impact_duration_all, 4))
# iterate over each contribution (mi)_index
#
for index, contribution in enumerate(self.contributions):
loan_index = Loan(principal=self.principal,
rate=self.rate,
payment=self.payment,
extra_payment=self.extra_payment +
sum(self.contributions) - contribution)
loan_index.check_loan_parameters()
loan_index.compute_schedule()
micro_impact_interest_paid = \
(loan_index.total_interest_paid - loan_all.total_interest_paid) / loan_all.total_interest_paid
micro_impact_duration = \
(loan_index.time_to_loan_termination - loan_all.time_to_loan_termination) / loan_all.time_to_loan_termination
# micro_impact_interest_paid = loan.total_interest_paid / loan_all.total_interest_paid
# micro_impact_duration = loan.time_to_loan_termination / loan_all.time_to_loan_termination
table += '\n' + str(index + 1) + '\t\t\t' + str(
round(loan_index.total_interest_paid, 2)) + '\t\t' + str(
loan_index.time_to_loan_termination)
table += '\t\t' + str(round(micro_impact_interest_paid,
4)) + '\t' + str(
round(micro_impact_duration, 4))
dict[index + 1] = (index + 1,
round(loan_index.total_interest_paid,
2), loan_index.time_to_loan_termination,
round(micro_impact_interest_paid,
4), round(micro_impact_duration, 4))
print(table)
print("111")
return (dict)
