def impact_calculator_total(present_value, annual_rate, payments, lump_sum, future_value=0):
# Calculate the impact (time) in throwing more money at a single debt
annual_rate /= 12
t0 = np.nper([annual_rate], [-payments], [present_value], [future_value])
t1 = np.nper([annual_rate], [-payments], [present_value - lump_sum], [future_value])
time_saved = t1 - t0
print('t {} - {} = {}'.format(t1, t0, time_saved))
impact_rate = ((annual_rate / 12 + 1) ** (t0 * 12)) - 1
money_saved = impact_rate * lump_sum
return -round(time_saved[0] * 365/12), round(money_saved[0], 2)
def test_broadcast(self):
assert_almost_equal(np.nper(0.075,-2000,0,100000.,[0,1]),
[ 21.5449442 , 20.76156441], 4)
assert_almost_equal(np.ipmt(0.1/12,list(range(5)), 24, 2000),
[-17.29165168, -16.66666667, -16.03647345,
-15.40102862, -14.76028842], 4)
assert_almost_equal(np.ppmt(0.1/12,list(range(5)), 24, 2000),
[-74.998201 , -75.62318601, -76.25337923,
-76.88882405, -77.52956425], 4)
assert_almost_equal(np.ppmt(0.1/12,list(range(5)), 24, 2000, 0,
[0,0,1,'end','begin']),
[-74.998201 , -75.62318601, -75.62318601,
-76.88882405, -76.88882405], 4)
def test_broadcast(self):
assert_almost_equal(np.nper(0.075, -2000, 0, 100000., [0, 1]),
[21.5449442, 20.76156441], 4)
assert_almost_equal(np.ipmt(0.1 / 12, list(range(5)), 24, 2000), [
-17.29165168, -16.66666667, -16.03647345, -15.40102862,
-14.76028842
], 4)
assert_almost_equal(np.ppmt(0.1 / 12, list(range(5)), 24, 2000), [
-74.998201, -75.62318601, -76.25337923, -76.88882405, -77.52956425
], 4)
assert_almost_equal(
np.ppmt(0.1 / 12, list(range(5)), 24, 2000, 0,
[0, 0, 1, 'end', 'begin']), [
-74.998201, -75.62318601, -75.62318601, -76.88882405,
-76.88882405
], 4)
def loan_schedule(loan, payment=1000, start_date=datetime.now()):
"""
Create amortization schedule for loan.
loan: dict or DataFrame with the following keys or columns
1) name 2) int_rate 3) balance
payment: float or int, Default 1000
start_date (optional): datetime object
"""
# Initialize variables and dataframe
schedule = pd.DataFrame()
num_payments = np.nper(loan['int_rate'] / (100 * 12), -1000,
loan['balance'])
dates = pd.date_range(start=start_date,
freq='M',
periods=np.ceil(num_payments))
int_rate, initial_balance = loan['int_rate'] / 100, loan['balance']
# For each date, calculate interest and principal payment until balance is 0
for date in dates:
interest_payment = initial_balance * int_rate / 12
remaining_balance = initial_balance * (1 + int_rate / 12) - payment
principal_payment = payment - interest_payment
if payment > initial_balance + interest_payment:
principal_payment = initial_balance
remaining_balance = 0
payment = principal_payment + interest_payment
schedule = schedule.append([{
'Date': date,
'Initial Balance': initial_balance,
'Payment': payment,
'Interest Payment': interest_payment,
'Principal Payment': principal_payment,
'Remaining Balance': remaining_balance
}])
initial_balance = remaining_balance
# Insert Loan Information
schedule.insert(1, 'Name', loan['name'])
schedule.insert(2, 'Interest Rate', loan['int_rate'])
# Clean Table
schedule['Date'] = schedule['Date'].dt.strftime('%m/%d/%Y')
schedule = schedule.set_index(['Date', 'Name']).round(2).reset_index()
return schedule
def calc_goals(user, roi, total):
roi = float(roi)
total = float(total)
annual_expenses = float(user.expected_annual_expenses)
add_money = float(user.months_add_money)
money = float(user.monthly_savings_amt)
egoal = annual_expenses / roi
print("end goal:" + str(egoal)) #calculated
print("estimated annual roi: " + str(roi)) #from assets
print("additional payments per year: " + str(add_money))
print("amount added: " + str(money))
print("curr total: " + str(total))
#good example here https://xplaind.com/696036/excel-nper-function
ytg = numpy.nper(roi / 12, money, total, -egoal) / 12
print("years to goal: {:.2f}".format(ytg))
return egoal, ytg
def test_when(self):
# begin
assert_almost_equal(np.rate(10, 20, -3500, 10000, 1), np.rate(10, 20, -3500, 10000, "begin"), 4)
# end
assert_almost_equal(np.rate(10, 20, -3500, 10000), np.rate(10, 20, -3500, 10000, "end"), 4)
assert_almost_equal(np.rate(10, 20, -3500, 10000, 0), np.rate(10, 20, -3500, 10000, "end"), 4)
# begin
assert_almost_equal(np.pv(0.07, 20, 12000, 0, 1), np.pv(0.07, 20, 12000, 0, "begin"), 2)
# end
assert_almost_equal(np.pv(0.07, 20, 12000, 0), np.pv(0.07, 20, 12000, 0, "end"), 2)
assert_almost_equal(np.pv(0.07, 20, 12000, 0, 0), np.pv(0.07, 20, 12000, 0, "end"), 2)
# begin
assert_almost_equal(np.fv(0.075, 20, -2000, 0, 1), np.fv(0.075, 20, -2000, 0, "begin"), 4)
# end
assert_almost_equal(np.fv(0.075, 20, -2000, 0), np.fv(0.075, 20, -2000, 0, "end"), 4)
assert_almost_equal(np.fv(0.075, 20, -2000, 0, 0), np.fv(0.075, 20, -2000, 0, "end"), 4)
# begin
assert_almost_equal(np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, 1), np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, "begin"), 4)
# end
assert_almost_equal(np.pmt(0.08 / 12, 5 * 12, 15000.0, 0), np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, "end"), 4)
assert_almost_equal(np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, 0), np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, "end"), 4)
# begin
assert_almost_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0, 1), np.ppmt(0.1 / 12, 1, 60, 55000, 0, "begin"), 4)
# end
assert_almost_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0), np.ppmt(0.1 / 12, 1, 60, 55000, 0, "end"), 4)
assert_almost_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0, 0), np.ppmt(0.1 / 12, 1, 60, 55000, 0, "end"), 4)
# begin
assert_almost_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0, 1), np.ipmt(0.1 / 12, 1, 24, 2000, 0, "begin"), 4)
# end
assert_almost_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0), np.ipmt(0.1 / 12, 1, 24, 2000, 0, "end"), 4)
assert_almost_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0, 0), np.ipmt(0.1 / 12, 1, 24, 2000, 0, "end"), 4)
# begin
assert_almost_equal(np.nper(0.075, -2000, 0, 100000.0, 1), np.nper(0.075, -2000, 0, 100000.0, "begin"), 4)
# end
assert_almost_equal(np.nper(0.075, -2000, 0, 100000.0), np.nper(0.075, -2000, 0, 100000.0, "end"), 4)
assert_almost_equal(np.nper(0.075, -2000, 0, 100000.0, 0), np.nper(0.075, -2000, 0, 100000.0, "end"), 4)
#按折现率计算的净现金流之和
cashflows = np.random.randint(100, size=5)
cashflows = np.insert(cashflows, 0, -100)
print "Cashflows:", cashflows
print "Net present value:", np.npv(0.03, cashflows)
#内部收益率
#净现值为0时的有效利率
print "Internal rate of return", np.irr(cashflows)
#分期付款
#借30年，年利率为10%. 等额本息
print "Payment:", np.pmt(0.10 / 12, 12 * 30, 1000000)
#计算付款期数
print "Number of payments:", np.nper(0.10 / 12, -100, 9000)
#等额本金计算。麻烦点，每个月要算利息
#窗函数
#巴特利特窗
window = np.bartlett(42)
plt.clf()
plt.plot(window)
plt.savefig('images/bartlett.png', format='png')
#布莱克曼窗
#三项余弦的和： w(n) = 0.42 - 0.5*cos(2*pi*n/M) + 0.08*cos(4*pi*n/M)
#使用布莱克曼窗平滑股价
#用到了卷积。忘了，需要了解下
# 净现值 = np.npv(利率, 现金流) # 将1000元以1%的年利率存入银行5年，每年加存100元， # 相当于一次性存入多少钱？ npv = np.npv(0.01, [-1000, -100, -100, -100, -100, -100]) print(round(npv, 2)) fv = np.fv(0.01, 5, 0, npv) print(round(fv, 2)) # 内部收益率 = np.irr(现金流) # 将1000元存入银行5年，以后逐年提现100元、200元、 # 300元、400元、500元，银行利率达到多少，可在最后 # 一次提现后偿清全部本息，即净现值为0元？ irr = np.irr([-1000, 100, 200, 300, 400, 500]) print(round(irr, 2)) npv = np.npv(irr, [-1000, 100, 200, 300, 400, 500]) print(npv) # 每期支付 = np.pmt(利率, 期数, 现值) # 以1%的年利率从银行贷款1000元，分5年还清， # 平均每年还多少钱？ pmt = np.pmt(0.01, 5, 1000) print(round(pmt, 2)) # 期数 = np.nper(利率, 每期支付, 现值) # 以1%的年利率从银行贷款1000元，平均每年还pmt元， # 多少年还清？ nper = np.nper(0.01, pmt, 1000) print(int(nper)) # 利率 = np.rate(期数, 每期支付, 现值, 终值) # 从银行贷款1000元，平均每年还pmt元，nper年还清， # 年利率多少？ rate = np.rate(nper, pmt, 1000, 0) print(round(rate, 2))
print u"现值" #pv函数参数为利率，参数，每期支付金额，终值 print "Present value",np.pv(0.03/4,5*4,-10,1376.09633204) #npv参数为利率和一个表示现金流的数组. cashflows = np.random.randint(100,size=5) cashflows = np.insert(cashflows,0,-100) print "Cashflows",cashflows print "Net present value",np.npv(0.03,cashflows) print u"内部收益率" print "Internal rate of return",np.irr([-100, 38, 48,90 ,17,36]) print u"分期付款" #pmt输入为利率和期数,总价，输出每期钱数 print "Payment",np.pmt(0.10/12,12*30,100000) #nper参数为贷款利率，固定的月供和贷款额，输出付款期数 print "Number of payments", np.nper(0.10/12,-100,9000) #rate参数为付款期数，每期付款资金，现值和终值计算利率 print "Interest rate",12*np.rate(167,-100,9000,0) print u"窗函数" #bartlett函数可以计算巴特利特窗 window = np.bartlett(42) print "bartlett",window #blackman函数返回布莱克曼窗。该函数唯一的参数为输出点的数量。如果数量 #为0或小于0，则返回一个空数组。 window = np.blackman(10) print "blackman",window # hamming函数返回汉明窗。该函数唯一的参数为输出点的数量。如果数量为0或 # 小于0，则返回一个空数组。 window = np.hamming(42) print "hamming",window
def single_period(pv, n, rate, fv, pmt):
n=np.nper(rate/n, pmt, pv, fv, when = 'end')
# 存100元, 到期后本息一共多少钱?
# 求金融终值 fv
fv = np.fv(0.01, 5, -100, -1000)
print(fv)
# 将多少钱以1%的年利率存入银行5年, 每年
# 加存100元,到期后本息合计fv元.
# 求金融现值 pv
pv = np.pv(0.01, 5, -100, fv)
print(pv)
# 净现值
# 将1000元以1%的年利率存入银行5年, 每年加存
# 100元, 相当于现在要一次性存入多少钱
npv = np.npv(0.01, [-1000, -100,
-100, -100, -100, -100])
print(npv)
# 每期支付
# 以1%的利率从银行贷款1000元, 分5年还清.
# 平均每年还多少钱?
pmt = np.pmt(0.01, 5, 1000)
print(pmt)
pmt = np.pmt(0.0441 / 12, 360, 1000000)
print(pmt)
# 以4.41%/12的利率从银行贷款100万元,
# 平均每期还pmt元, 多少年还清?
nper = np.nper(0.0441 / 12, pmt, 1000000)
print(nper)
import numpy as np print(np.fv(0.02, 20 * 12, -100, -100)) print(np.pv(0.02, 20 * 12, -100, 586032.549)) print(np.npv(0.281, [-100, 823, 59, 55, 20])) print(np.pmt(0.02 / 12, 20 * 12, 1000000)) print(np.ppmt(0.02 / 12, -100, 20 * 12, 1000000)) print(np.ipmt(0.02 / 12, 0.001, 20 * 12, 200000)) print(round(np.irr([-5, 10.5, 1, -8, 1]), 5)) print(np.mirr([-100, 823, 59, 55, 20], -100, -150)) print(np.nper(0.02, -1e7, 1e8)) print(np.rate(0.7, -1e8, 200000, 0))
2举例：某用户去银行存款，假设年利率 3% 、每季度续存金额 10 元、存 5年后可领 1376.0963320，则计算 5年前存取的本金是多 少金额。
'''
print(np.pv(0.03 / 4, 5 * 4, -10, 1376.0963320407982))
'''
np.npv(rate,values)
rate:折现率
values:现金流
03.投资 100，收入39,59,55,20，折现率为28.1% 则净现值为
'''
print(np.npv(0.281, [-100, 39, 59, 55, 20]))
'''
举例：某同学房贷 20 万，准备 15 年还清，利率为 7.5% 7.5% ，则每 月需还贷多少金额？
pmt = np.pmt(0.075/12, 15*12,200000) 计算还款金额
'''
pmt = np.pmt(0.075 / 12, 15 * 12, 200000)
'''
小明房贷 70 万，年利率 4% ，准备还 20 年，
则每月供多少？
'''
pmt1 = np.pmt(0.04 / 12, 20 * 12, 700000)
print("每月需要还款{}元".format(-pmt1))
'''
举例：某同学房贷 20 万，年利率为 7.5% 7.5% ，每月能还贷 2000 ，则 需要还多少期？
np.nper(0.075/12,-2000,200000) 计算还款期数
'''
nper = np.nper(0.075 / 12, -2000, 200000)
month = np.ceil(nper)
year = np.ceil(month / 12)
print("需要还{}年", year)
print((18.5 - 14.30) / 14.30)
def calc_months_to_payoff(self, rate, pmt, closing_balance):
nper = np.nper(rate/12/100.00, pmt, closing_balance)
return nper
def test_when(self):
# begin
assert_equal(np.rate(10, 20, -3500, 10000, 1),
np.rate(10, 20, -3500, 10000, "begin"))
# end
assert_equal(np.rate(10, 20, -3500, 10000),
np.rate(10, 20, -3500, 10000, "end"))
assert_equal(np.rate(10, 20, -3500, 10000, 0),
np.rate(10, 20, -3500, 10000, "end"))
# begin
assert_equal(np.pv(0.07, 20, 12000, 0, 1),
np.pv(0.07, 20, 12000, 0, "begin"))
# end
assert_equal(np.pv(0.07, 20, 12000, 0), np.pv(0.07, 20, 12000, 0,
"end"))
assert_equal(np.pv(0.07, 20, 12000, 0, 0),
np.pv(0.07, 20, 12000, 0, "end"))
# begin
assert_equal(np.fv(0.075, 20, -2000, 0, 1),
np.fv(0.075, 20, -2000, 0, "begin"))
# end
assert_equal(np.fv(0.075, 20, -2000, 0),
np.fv(0.075, 20, -2000, 0, "end"))
assert_equal(np.fv(0.075, 20, -2000, 0, 0),
np.fv(0.075, 20, -2000, 0, "end"))
# begin
assert_equal(
np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, 1),
np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, "begin"),
)
# end
assert_equal(
np.pmt(0.08 / 12, 5 * 12, 15000.0, 0),
np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, "end"),
)
assert_equal(
np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, 0),
np.pmt(0.08 / 12, 5 * 12, 15000.0, 0, "end"),
)
# begin
assert_equal(
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 1),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, "begin"),
)
# end
assert_equal(
np.ppmt(0.1 / 12, 1, 60, 55000, 0),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, "end"),
)
assert_equal(
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 0),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, "end"),
)
# begin
assert_equal(
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 1),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, "begin"),
)
# end
assert_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, "end"))
assert_equal(
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 0),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, "end"),
)
# begin
assert_equal(
np.nper(0.075, -2000, 0, 100000.0, 1),
np.nper(0.075, -2000, 0, 100000.0, "begin"),
)
# end
assert_equal(
np.nper(0.075, -2000, 0, 100000.0),
np.nper(0.075, -2000, 0, 100000.0, "end"),
)
assert_equal(
np.nper(0.075, -2000, 0, 100000.0, 0),
np.nper(0.075, -2000, 0, 100000.0, "end"),
)
def test_nper(self):
assert_almost_equal(np.nper(-.01,-100,1000),9.483283066, 3)
def test_nper(self):
assert_almost_equal(np.nper(0,-100,1000),10)
def test_nper(self):
assert_almost_equal(np.nper(.05,-100,1000,100,1),14.2067, 3)
#==============================================================================
#计算年化利率
Num =240
payment =-3000
PV =500000
FV =0
due = 0 #期末还款
Rate = np.rate(Num,payment,PV,FV,due)
print('年化利率为: %.4f%%' % (100*Rate*12))
#计算周期
rate = 0.038862/12
payment =-4000
PV =500000
FV =0
Periods = np.nper(rate,payment,PV,FV,when='end')
print('周期为:%s' % Periods )
#==============================================================================
# 6.5 按揭贷款分析
#==============================================================================
# 等额还款
def Ajfixpayment(MP,Num,B,rate):
# MP 月还款额
# Num 期数
# B 贷款本金
# rate 贷款利率
# 初始化相关变量
# 初始化行向量，用来存储每次循环的值
IR = [0] * Num # 月利息
YE = [0] * Num # 贷款余额
#4
n = 16
g = 0.05
r = 0.1
payment = 540000
A = (1 + g) / (1 + r)
B = A**n
pv = (payment / (r - g)) * (1 - B) #The growing annuity payment formula
print("Present value of winings is", "{:,.2f}".format(pv))
#5
pmt = -380 #the PMT
i = 0.08 #the interest rate
fv = 25694 #the future value
n = np.nper(rate=i, pmt=pmt, pv=0, fv=fv) #number of payments function
print("There are", "{:,.0f}".format(n), "payments")
#6
n = 360
I = 0.076 / 12
pmt = -800
pv = np.pv(rate=I, nper=n, pmt=pmt) #present value of given pmt
ball = 230000 - pv
ballfv = np.fv(nper=n, rate=I, pmt=0, pv=-ball) #future value of ballpayment
print("The ballpayment should be", "{:,.2f}".format(ballfv))
#7
pmt = 17000
pv = -0.8 * 2800000
n = 30 * 12
def test_nper(self):
assert_almost_equal(np.nper(0.075,-2000,0,100000.),
21.54, 2)
def test_nper(self):
assert_almost_equal(np.nper(.05, -100, 1000, 100, 1), 14.2067, 3)
def crea_oferta(df_consolidado_info_impacto, periodo_de_gracia, tasa_oferta):
df_oferta = pd.DataFrame()
for index, cada_cliente in df_consolidado_info_impacto.iterrows():
df_oferta.loc[index, "cli_rut"] = int(cada_cliente["cli_rut"])
df_oferta.loc[index, "ope_tasa"] = tasa_oferta
df_oferta.loc[index, "ope_tasa_oferta_1"] = tasa_oferta
df_oferta.loc[index, "ope_tasa_oferta_2"] = tasa_oferta
monto_temp_o1 = np.ceil(cada_cliente["pago_mensual"]*(1-0.05))
monto_temp_o2 = np.ceil(cada_cliente["pago_mensual"]*(1-0.3))
monto_final_credito = cada_cliente["saldo_adeudado_gar_final"]+cada_cliente["saldo_sin_gar_comercial_final"]+cada_cliente["saldo_adeudado_consumo_final"]
num_cuotas_oferta_1 = np.ceil(np.nper(df_oferta.loc[index, "ope_tasa"], -monto_temp_o1, monto_final_credito))
num_cuotas_oferta_2 = np.ceil(np.nper(df_oferta.loc[index, "ope_tasa"], -monto_temp_o2, monto_final_credito))
if num_cuotas_oferta_1 > 84 - periodo_de_gracia:
num_cuotas_oferta_1 = 84 - periodo_de_gracia
if num_cuotas_oferta_2 > 84 - periodo_de_gracia:
num_cuotas_oferta_2 = 84 - periodo_de_gracia
## OFERTA 1
df_oferta.loc[index, "num_cuotas_oferta_1"] = num_cuotas_oferta_1
df_oferta.loc[index, "monto_oferta_1"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_oferta_1, -monto_final_credito))
##MONTO CUOTA COMERCIAL
df_oferta.loc[index, "monto_c_oferta_1"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_oferta_1, -cada_cliente["saldo_sin_gar_comercial_final"]))
##NUMERO DE CUOTAS CONSUMO
if cada_cliente["num_cuotas_max_k"] == 0:
num_cuotas_k_1 = num_cuotas_oferta_1
else:
if cada_cliente["num_cuotas_max_k"] < num_cuotas_oferta_1:
num_cuotas_k_1 = cada_cliente["num_cuotas_max_k"]
else:
num_cuotas_k_1 = num_cuotas_oferta_1
##MONTO CUOTA CONSUMO
df_oferta.loc[index, "monto_k_oferta_1"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_k_1, -cada_cliente["saldo_adeudado_consumo_final"]))
df_oferta.loc[index, "num_cuotas_k_1"] = num_cuotas_k_1
##NUMERO DE CUOTAS SI GAR 1 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_1"] == 0:
num_cuotas_gar_1_oferta_1 = num_cuotas_oferta_1
else:
if cada_cliente["num_cuotas_max_fogape_gar_1"] < num_cuotas_oferta_1:
num_cuotas_gar_1_oferta_1 = cada_cliente["num_cuotas_max_fogape_gar_1"]
else:
num_cuotas_gar_1_oferta_1 = num_cuotas_oferta_1
##MONTO CUOTA GAR 1 SI FOGAPE
df_oferta.loc[index, "monto_gar_1_oferta_1"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_1_oferta_1, -cada_cliente["saldo_adeudado_gar_1_final"]))
df_oferta.loc[index, "num_cuotas_gar_1_oferta_1"] = num_cuotas_gar_1_oferta_1
##NUMERO DE CUOTAS SI GAR 2 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_2"] == 0:
num_cuotas_gar_2_oferta_1 = num_cuotas_oferta_1
else:
if cada_cliente["num_cuotas_max_fogape_gar_2"] < num_cuotas_oferta_1:
num_cuotas_gar_2_oferta_1 = cada_cliente["num_cuotas_max_fogape_gar_2"]
else:
num_cuotas_gar_2_oferta_1 = num_cuotas_oferta_1
##MONTO CUOTA GAR 2 SI FOGAPE
df_oferta.loc[index, "monto_gar_2_oferta_1"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_2_oferta_1, -cada_cliente["saldo_adeudado_gar_2_final"]))
df_oferta.loc[index, "num_cuotas_gar_2_oferta_1"] = num_cuotas_gar_2_oferta_1
##NUMERO DE CUOTAS SI GAR 3 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_3"] == 0:
num_cuotas_gar_3_oferta_1 = num_cuotas_oferta_1
else:
if cada_cliente["num_cuotas_max_fogape_gar_3"] < num_cuotas_oferta_1:
num_cuotas_gar_3_oferta_1 = cada_cliente["num_cuotas_max_fogape_gar_3"]
else:
num_cuotas_gar_3_oferta_1 = num_cuotas_oferta_1
##MONTO CUOTA GAR 3 SI FOGAPE
df_oferta.loc[index, "monto_gar_3_oferta_1"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_3_oferta_1, -cada_cliente["saldo_adeudado_gar_3_final"]))
df_oferta.loc[index, "num_cuotas_gar_3_oferta_1"] = num_cuotas_gar_3_oferta_1
##NUMERO DE CUOTAS SI GAR 4 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_4"] == 0:
num_cuotas_gar_4_oferta_1 = num_cuotas_oferta_1
else:
if cada_cliente["num_cuotas_max_fogape_gar_4"] < num_cuotas_oferta_1:
num_cuotas_gar_4_oferta_1 = cada_cliente["num_cuotas_max_fogape_gar_4"]
else:
num_cuotas_gar_4_oferta_1 = num_cuotas_oferta_1
##MONTO CUOTA GAR 4 SI FOGAPE
df_oferta.loc[index, "monto_gar_4_oferta_1"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_4_oferta_1, -cada_cliente["saldo_adeudado_gar_4_final"]))
df_oferta.loc[index, "num_cuotas_gar_4_oferta_1"] = num_cuotas_gar_4_oferta_1
df_oferta.loc[index, "monto_oferta_1"] = df_oferta.loc[index, "monto_c_oferta_1"] + df_oferta.loc[index, "monto_k_oferta_1"] + df_oferta.loc[index, "monto_gar_1_oferta_1"] + df_oferta.loc[index, "monto_gar_2_oferta_1"] + df_oferta.loc[index, "monto_gar_3_oferta_1"] + df_oferta.loc[index, "monto_gar_4_oferta_1"]
df_oferta.loc[index, "per_rebaja_oferta_1"] = (1-df_oferta.loc[index, "monto_oferta_1"]/cada_cliente["pago_mensual"])
df_oferta.loc[index, "total_a_pagar_oferta_1"] = df_oferta.loc[index, "num_cuotas_oferta_1"] * df_oferta.loc[index, "monto_oferta_1"]
##OFERTA 2
df_oferta.loc[index, "num_cuotas_oferta_2"] = num_cuotas_oferta_2
df_oferta.loc[index, "monto_oferta_2"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_oferta_2, -monto_final_credito))
##MONTO CUOTA COMERCIAL
df_oferta.loc[index, "monto_c_oferta_2"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_oferta_2, -cada_cliente["saldo_sin_gar_comercial_final"]))
##NUMERO DE CUOTAS CONSUMO
if cada_cliente["num_cuotas_max_k"] == 0:
num_cuotas_k_2 = num_cuotas_oferta_2
else:
if cada_cliente["num_cuotas_max_k"] < num_cuotas_oferta_2:
num_cuotas_k_2 = cada_cliente["num_cuotas_max_k"]
else:
num_cuotas_k_2 = num_cuotas_oferta_2
##MONTO CUOTA CONSUMO
df_oferta.loc[index, "monto_k_oferta_2"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_k_2, -cada_cliente["saldo_adeudado_consumo_final"]))
df_oferta.loc[index, "num_cuotas_k_2"] = num_cuotas_k_2
##NUMERO DE CUOTAS SI GAR 1 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_1"] == 0:
num_cuotas_gar_1_oferta_2 = num_cuotas_oferta_2
else:
if cada_cliente["num_cuotas_max_fogape_gar_1"] < num_cuotas_oferta_2:
num_cuotas_gar_1_oferta_2 = cada_cliente["num_cuotas_max_fogape_gar_1"]
else:
num_cuotas_gar_1_oferta_2 = num_cuotas_oferta_2
##MONTO CUOTA GAR 1 SI FOGAPE
df_oferta.loc[index, "monto_gar_1_oferta_2"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_1_oferta_2, -cada_cliente["saldo_adeudado_gar_1_final"]))
df_oferta.loc[index, "num_cuotas_gar_1_oferta_2"] = num_cuotas_gar_1_oferta_2
##NUMERO DE CUOTAS SI GAR 2 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_2"] == 0:
num_cuotas_gar_2_oferta_2 = num_cuotas_oferta_2
else:
if cada_cliente["num_cuotas_max_fogape_gar_2"] < num_cuotas_oferta_2:
num_cuotas_gar_2_oferta_2 = cada_cliente["num_cuotas_max_fogape_gar_2"]
else:
num_cuotas_gar_2_oferta_2 = num_cuotas_oferta_2
##MONTO CUOTA GAR 2 SI FOGAPE
df_oferta.loc[index, "monto_gar_2_oferta_2"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_2_oferta_2, -cada_cliente["saldo_adeudado_gar_2_final"]))
df_oferta.loc[index, "num_cuotas_gar_2_oferta_2"] = num_cuotas_gar_2_oferta_2
##NUMERO DE CUOTAS SI GAR 3 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_3"] == 0:
num_cuotas_gar_3_oferta_2 = num_cuotas_oferta_2
else:
if cada_cliente["num_cuotas_max_fogape_gar_3"] < num_cuotas_oferta_2:
num_cuotas_gar_3_oferta_2 = cada_cliente["num_cuotas_max_fogape_gar_3"]
else:
num_cuotas_gar_3_oferta_2 = num_cuotas_oferta_2
##MONTO CUOTA GAR 3 SI FOGAPE
df_oferta.loc[index, "monto_gar_3_oferta_2"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_3_oferta_2, -cada_cliente["saldo_adeudado_gar_3_final"]))
df_oferta.loc[index, "num_cuotas_gar_3_oferta_2"] = num_cuotas_gar_3_oferta_2
##NUMERO DE CUOTAS SI GAR 4 FOGAPE
if cada_cliente["num_cuotas_max_fogape_gar_4"] == 0:
num_cuotas_gar_4_oferta_2 = num_cuotas_oferta_2
else:
if cada_cliente["num_cuotas_max_fogape_gar_4"] < num_cuotas_oferta_2:
num_cuotas_gar_4_oferta_2 = cada_cliente["num_cuotas_max_fogape_gar_4"]
else:
num_cuotas_gar_4_oferta_2 = num_cuotas_oferta_2
##MONTO CUOTA GAR 4 SI FOGAPE
df_oferta.loc[index, "monto_gar_4_oferta_2"] = np.ceil(np.pmt(df_oferta.loc[index, "ope_tasa"], num_cuotas_gar_4_oferta_2, -cada_cliente["saldo_adeudado_gar_4_final"]))
df_oferta.loc[index, "num_cuotas_gar_4_oferta_2"] = num_cuotas_gar_4_oferta_2
df_oferta.loc[index, "monto_oferta_2"] = df_oferta.loc[index, "monto_c_oferta_2"] + df_oferta.loc[index, "monto_k_oferta_2"] + df_oferta.loc[index, "monto_gar_1_oferta_2"] + df_oferta.loc[index, "monto_gar_2_oferta_2"] + df_oferta.loc[index, "monto_gar_3_oferta_2"] + df_oferta.loc[index, "monto_gar_4_oferta_2"]
df_oferta.loc[index, "per_rebaja_oferta_2"] = (1-df_oferta.loc[index, "monto_oferta_2"]/cada_cliente["pago_mensual"])
df_oferta.loc[index, "total_a_pagar_oferta_2"] = df_oferta.loc[index, "num_cuotas_oferta_2"] * df_oferta.loc[index, "monto_oferta_2"]
df_oferta.drop("ope_tasa", axis = 1, inplace = True)
return df_oferta
@author: ESAccount24
"""
# -*- coding: utf-8 -*-
"""
Created on Sat Sep 26 11:34:21 2015
@author: ESAccount24
"""
#financial institutions
import numpy as np
import scipy.optimize as sp
def myfnc(x):
return np.pv(x,2,0,125.44)+100.0
futval=np.fv(0.12,2,0,-100.0)
print futval
prval=np.pv(0.12,2,0,125.44)
print prval
nperiods=np.nper(0.12,0,-100.0,125.44)
print nperiods
intrate=np.rate(2,0,-100,125.44)
print intrate
initialRateGuess=0.134
#goalseek
#find interest rate that satisfies euqation connecting pv, fv, and nper
print sp.fsolve(myfnc,initialRateGuess)
def test_nper(self):
assert_almost_equal(np.nper(0, -100, 1000), 10)
import numpy as np
print
round(np.nper(0.07 / 12, -150, 8000), 5)
np.nper(*(np.ogrid[0.07 / 12: 0.08 / 12: 0.01 / 12,
-150: -99: 50,
8000: 9001: 1000]))
pv = np.pv(0.03 / 4, 4 * 5, -10, fv)
print 'present value', pv
years = np.linspace(1, 10, 10)
print years
fv_vals = np.fv(0.03 / 4, years * 4, -10, -1000)
pv_vals = np.pv(0.03 / 4, years * 4, -10, fv_vals)
print fv_vals
# print pv_vals
# plt.plot(fv_vals,'bo')
# plt.plot(pv_vals,'ro')
# plt.show()
cashflows = np.random.randint(100, size=5)
cashflows = np.insert(cashflows, 0, -100)
print 'cashflows', cashflows
print 'npv', np.npv(0.03, cashflows)
sum = 0
for i in xrange(len(cashflows)):
df = (1 + 0.03)**(-1 * i)
sum += df * cashflows[i]
print sum
print 'irr', np.irr(cashflows)
#分期付款
print 'Payment', np.pmt(0.10 / 12, 12 * 30, 100000)
print 'Number of payments', np.nper(0.1 / 12, -100, 9000)
#rate
print 'Interest rate', 12 * np.rate(167, -100, 9000, 0)
def test_nper(self):
assert_almost_equal(np.nper(-.01, -100, 1000), 9.483283066, 3)
when : {{'begin', 1}, {'end', 0}}, {string, int}, optional
When payments are due ('begin' (1) or 'end' (0))
Notes
-----
The number of periods ``nper`` is computed by solving the equation::
fv + pv*(1+rate)**nper + pmt*(1+rate*when)/rate*((1+rate)**nper-1) = 0
but if ``rate = 0`` then::
fv + pv + pmt*nper = 0
Examples
--------
If you only had $150/month to pay towards the loan, how long would it take
to pay-off a loan of $8,000 at 7% annual interest?
>>> np.nper(0.07/12, -150, 8000)
64.073348770661852
So, over 64 months would be required to pay off the loan.
The same analysis could be done with several different interest rates
and/or payments and/or total amounts to produce an entire table.
>>> np.nper(*(np.ogrid[0.07/12: 0.08/12: 0.01/12,
... -150 : -99 : 50 ,
... 8000 : 9001 : 1000]))
array([[[ 64.07334877, 74.06368256],
[ 108.07548412, 127.9902265
print("\nError: Must be a minimum of 1 year")
else:
rate=np.rate(float(time_range)*float(n), float(pmt), float(pv), float(fv))
print("Rate: "+str(rate))
elif(choice=="3"):
print("\nEnter values as prompted")
print("Enter interest rate as decimal")
pv = input("\nEnter PV: ")
rate = input("\nEnter rate as decimal: ")
fv = input("\nEnter FV: ")
pmt = input("\nEnter Pmt: ")
time_range = input("\nEnter number of years: ")
if(float(time_range)==0 or float(time_range)<0):
print("\nError: Must be a minimum of 1 year")
else:
n=np.nper(float(rate), float(pmt), float(pv), float(fv))
print("Number of Periods: "+str(n))
elif(choice=="4"):
print("\nEnter values as prompted")
print("Enter interest rate as decimal")
n = input("\nEnter times compounded: ")
rate = input("\nEnter rate as decimal: ")
fv = input("\nEnter FV: ")
pv = input("\nEnter PV: ")
time_range = input("\nEnter number of years: ")
if(float(time_range)==0 or float(time_range)<0):
print("\nError: Must be a minimum of 1 year")
else:
pmt=np.pmt(float(rate), float(n)/float(time_range), float(pv), float(fv))
print("Payment: "+str(pmt))
else
import numpy as np
print
round(np.nper(0.07 / 12, -150, 8000), 5)
np.nper(*(np.ogrid[0.07 / 12:0.08 / 12:0.01 / 12, -150:-99:50,
8000:9001:1000]))
* when : string 'begin' või 'end', valikultine
Millal makse sooritama peab (alguses või lõpus)
Näide 3
Kui laenu tagasimakse suurus on 330€ kuus, siis kui kaua kulub 68000€ suuruse
laenu maksmiseks aastase intressimäära 2.8% juures?
------------------------------------------------------------------------------
"""
print("\nNäide 3\n-------\n")
RATE = 0.03 / 12 # 4% aastas, 3.5%/12 kuus
PAYMENT = -330 # maksame 330€ kuus, '-' tähendab raha väljavoolu
PV = 68000 # laenu suurus
PERIOD_COUNT = np.nper(RATE, PAYMENT, PV)
print("{0}€ tasumiseks kulub {1:.2f} kuud ehk {2:.0f} aastat."
.format(PV, PERIOD_COUNT, PERIOD_COUNT/12)
)
PAYMENTS = np.arange(300, 350, 10)
PERIOD_COUNTS = np.nper(RATE, -PAYMENTS, PV)
for pmt, period in zip(PAYMENTS, PERIOD_COUNTS):
print("{0}€ suuruse tagasimaksega kulub {1:.2f} kuud ehk {2:.0f} aastat."
.format(pmt, period, period/12)
)
"""
------------------------------------------------------------------------------
rate -- perioodi intressimäära arvutamine
rate(nper, pmt, pv, fv, when='end', guess=0.1, tol=1e-06, maxiter=100)
def tvmm(pval=None, fval=None, pmt=None, nrate=None, nper=None, due=0, pyr=1, noprint=True):
"""Computes the missing argument (set to ``None``) in a model relating the
present value, the future value, the periodic payment, the number of
compounding periods and the nominal interest rate in a cashflow.
Args:
pval (float, list): Present value.
fval (float, list): Future value.
pmt (float, list): Periodic payment.
nrate (float, list): Nominal interest rate per year.
nper (int, list): Number of compounding periods.
due (int): When payments are due.
pyr (int, list): number of periods per year.
noprint (bool): prints enhanced output
Returns:
Argument set to None in the function call.
**Details**
The ``tvmmm`` function computes and returns the missing value (``pmt``, ``fval``,
``pval``, ``nper``, ``nrate``) in a model relating a finite sequence of payments
made at the beginning or at the end of each period, a present value, a future value,
and a nominal interest rate. The time intervals between consecutive payments are
assumed to be equal. For internal computations, the effective interest rate per
period is calculated as ``nrate / pyr``.
**Examples**
This example shows how to find different values for a loan of 5000, with a
monthly payment of 130 at the end of the month, a life of 48 periods, and a
interest rate of 0.94 per month (equivalent to a nominal interest
rate of 11.32%). For a loan, the future value is 0.
* Monthly payments: Note that the parameter ``pmt`` is set to ``None``.
>>> tvmm(pval=5000, nrate=11.32, nper=48, fval=0, pyr=12) # doctest: +ELLIPSIS
-130.00...
When the parameter ``noprint`` is set to ``False``, a user friendly table with
the data computed by the function is print.
>>> tvmm(pval=5000, nrate=11.32, nper=48, fval=0, pyr=12, noprint=False) # doctest: +ELLIPSIS
Present Value: ....... 5000.00
Future Value: ........ 0.00
Payment: ............. -130.01
Due: ................. END
No. of Periods: ...... 48.00
Compoundings per Year: 12
Nominal Rate: ....... 11.32
Effective Rate: ..... 11.93
Periodic Rate: ...... 0.94
* Future value:
>>> tvmm(pval=5000, nrate=11.32, nper=48, pmt=pmt, fval=None, pyr=12) # doctest: +ELLIPSIS
-0.0...
* Present value:
>>> tvmm(nrate=11.32, nper=48, pmt=pmt, fval = 0.0, pval=None, pyr=12) # doctest: +ELLIPSIS
5000...
All the arguments support lists as inputs. When a argument is a list and the
``noprint`` is set to ``False``, a table with the data is print.
>>> tvmm(pval=[5, 500, 5], nrate=11.32, nper=48, fval=0, pyr=12, noprint=False) # doctest: +ELLIPSIS
# pval fval pmt nper nrate erate prate due
------------------------------------------------------
0 5.00 0.00 -0.13 48.00 11.32 11.93 0.94 END
1 500.00 0.00 -0.13 48.00 11.32 11.93 0.94 END
2 5.00 0.00 -0.13 48.00 11.32 11.93 0.94 END
* Interest rate:
>>> tvmm(pval=5000, nper=48, pmt=pmt, fval = 0.0, pyr=12) # doctest: +ELLIPSIS
11.32...
* Number of periods:
>>> tvmm(pval=5000, nrate=11.32/12, pmt=pmt, fval=0.0) # doctest: +ELLIPSIS
48.0...
"""
#pylint: disable=too-many-arguments
#pylint: disable=too-many-branches
numnone = 0
numnone += 1 if pval is None else 0
numnone += 1 if fval is None else 0
numnone += 1 if nper is None else 0
numnone += 1 if pmt is None else 0
numnone += 1 if nrate is None else 0
if numnone > 1:
raise ValueError('One of the params must be set to None')
if numnone == 0:
pmt = None
if pmt == 0.0:
pmt = 0.0000001
nrate = numpy.array(nrate)
if pval is None:
result = numpy.pv(rate=nrate/100/pyr, nper=nper, fv=fval, pmt=pmt, when=due)
elif fval is None:
result = numpy.fv(rate=nrate/100/pyr, nper=nper, pv=pval, pmt=pmt, when=due)
elif nper is None:
result = numpy.nper(rate=nrate/100/pyr, pv=pval, fv=fval, pmt=pmt, when=due)
elif pmt is None:
result = numpy.pmt(rate=nrate/100/pyr, nper=nper, pv=pval, fv=fval, when=due)
else:
result = numpy.rate(pv=pval, nper=nper, fv=fval, pmt=pmt, when=due) * 100 * pyr
if noprint is True:
if isinstance(result, numpy.ndarray):
return result.tolist()
return result
nrate = nrate.tolist()
if pval is None:
pval = result
elif fval is None:
fval = result
elif nper is None:
nper = result
elif pmt is None:
pmt = result
else:
nrate = result
params = _vars2list([pval, fval, nper, pmt, nrate])
pval = params[0]
fval = params[1]
nper = params[2]
pmt = params[3]
nrate = params[4]
# raise ValueError(nrate.__repr__())
erate, prate = iconv(nrate=nrate, pyr=pyr)
if len(pval) == 1:
if pval is not None:
print('Present Value: ....... {:8.2f}'.format(pval[0]))
if fval is not None:
print('Future Value: ........ {:8.2f}'.format(fval[0]))
if pmt is not None:
print('Payment: ............. {:8.2f}'.format(pmt[0]))
if due is not None:
print('Due: ................. {:s}'.format('END' if due == 0 else 'BEG'))
print('No. of Periods: ...... {:8.2f}'.format(nper[0]))
print('Compoundings per Year: {:>5d}'.format(pyr))
print('Nominal Rate: ....... {:8.2f}'.format(nrate[0]))
print('Effective Rate: ..... {:8.2f}'.format(erate))
print('Periodic Rate: ...... {:8.2f}'.format(prate))
else:
if due == 0:
sdue = 'END'
txtpmt = []
for item, _ in enumerate(pval):
txtpmt.append(pmt[item][-1])
else:
sdue = 'BEG'
txtpmt = []
for item, _ in enumerate(pval):
txtpmt.append(pmt[item][0])
maxlen = 5
for value1, value2, value3, value4 in zip(pval, fval, txtpmt, nper):
maxlen = max(maxlen, len('{:1.2f}'.format(value1)))
maxlen = max(maxlen, len('{:1.2f}'.format(value2)))
maxlen = max(maxlen, len('{:1.2f}'.format(value3)))
maxlen = max(maxlen, len('{:1.2f}'.format(value4)))
len_aux = len('{:d}'.format(len(pval)))
fmt_num = ' {:' + '{:d}'.format(maxlen) + '.2f}'
fmt_num = '{:<' + '{:d}'.format(len_aux) + 'd}' + fmt_num * 7 + ' {:3s}'
# fmt_shr = '{:' + '{:d}'.format(len_aux) + 's}'
fmt_hdr = ' {:>' + '{:d}'.format(maxlen) + 's}'
fmt_hdr = '{:' + '{:d}'.format(len_aux) + 's}' + fmt_hdr * 7 + ' due'
txt = fmt_hdr.format('#', 'pval', 'fval', 'pmt', 'nper', 'nrate', 'erate', 'prate')
print(txt)
print('-' * len_aux + '-' * maxlen * 7 + '-' * 7 + '----')
for item, _ in enumerate(pval):
print(fmt_num.format(item,
pval[item],
fval[item],
txtpmt[item],
nper[item],
nrate[item],
erate[item],
prate[item],
sdue))
def Year_nper():
a = np.nper(e1.get()), eval(e2.get()), eval(e3.get())
a = int(a) + 1
v1.set(a)
def test_when(self):
# begin
assert_equal(np.rate(10, 20, -3500, 10000, 1),
np.rate(10, 20, -3500, 10000, 'begin'))
# end
assert_equal(np.rate(10, 20, -3500, 10000),
np.rate(10, 20, -3500, 10000, 'end'))
assert_equal(np.rate(10, 20, -3500, 10000, 0),
np.rate(10, 20, -3500, 10000, 'end'))
# begin
assert_equal(np.pv(0.07, 20, 12000, 0, 1),
np.pv(0.07, 20, 12000, 0, 'begin'))
# end
assert_equal(np.pv(0.07, 20, 12000, 0),
np.pv(0.07, 20, 12000, 0, 'end'))
assert_equal(np.pv(0.07, 20, 12000, 0, 0),
np.pv(0.07, 20, 12000, 0, 'end'))
# begin
assert_equal(np.fv(0.075, 20, -2000, 0, 1),
np.fv(0.075, 20, -2000, 0, 'begin'))
# end
assert_equal(np.fv(0.075, 20, -2000, 0),
np.fv(0.075, 20, -2000, 0, 'end'))
assert_equal(np.fv(0.075, 20, -2000, 0, 0),
np.fv(0.075, 20, -2000, 0, 'end'))
# begin
assert_equal(np.pmt(0.08 / 12, 5 * 12, 15000., 0, 1),
np.pmt(0.08 / 12, 5 * 12, 15000., 0, 'begin'))
# end
assert_equal(np.pmt(0.08 / 12, 5 * 12, 15000., 0),
np.pmt(0.08 / 12, 5 * 12, 15000., 0, 'end'))
assert_equal(np.pmt(0.08 / 12, 5 * 12, 15000., 0, 0),
np.pmt(0.08 / 12, 5 * 12, 15000., 0, 'end'))
# begin
assert_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0, 1),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 'begin'))
# end
assert_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 'end'))
assert_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0, 0),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 'end'))
# begin
assert_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0, 1),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 'begin'))
# end
assert_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 'end'))
assert_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0, 0),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 'end'))
# begin
assert_equal(np.nper(0.075, -2000, 0, 100000., 1),
np.nper(0.075, -2000, 0, 100000., 'begin'))
# end
assert_equal(np.nper(0.075, -2000, 0, 100000.),
np.nper(0.075, -2000, 0, 100000., 'end'))
assert_equal(np.nper(0.075, -2000, 0, 100000., 0),
np.nper(0.075, -2000, 0, 100000., 'end'))
def test_nper2(self):
assert_almost_equal(np.nper(0.0, -2000, 0, 100000.), 50.0, 1)
def test_when(self):
#begin
assert_almost_equal(np.rate(10, 20, -3500, 10000, 1),
np.rate(10, 20, -3500, 10000, 'begin'), 4)
#end
assert_almost_equal(np.rate(10, 20, -3500, 10000),
np.rate(10, 20, -3500, 10000, 'end'), 4)
assert_almost_equal(np.rate(10, 20, -3500, 10000, 0),
np.rate(10, 20, -3500, 10000, 'end'), 4)
# begin
assert_almost_equal(np.pv(0.07, 20, 12000, 0, 1),
np.pv(0.07, 20, 12000, 0, 'begin'), 2)
# end
assert_almost_equal(np.pv(0.07, 20, 12000, 0),
np.pv(0.07, 20, 12000, 0, 'end'), 2)
assert_almost_equal(np.pv(0.07, 20, 12000, 0, 0),
np.pv(0.07, 20, 12000, 0, 'end'), 2)
# begin
assert_almost_equal(np.fv(0.075, 20, -2000, 0, 1),
np.fv(0.075, 20, -2000, 0, 'begin'), 4)
# end
assert_almost_equal(np.fv(0.075, 20, -2000, 0),
np.fv(0.075, 20, -2000, 0, 'end'), 4)
assert_almost_equal(np.fv(0.075, 20, -2000, 0, 0),
np.fv(0.075, 20, -2000, 0, 'end'), 4)
# begin
assert_almost_equal(np.pmt(0.08 / 12, 5 * 12, 15000., 0, 1),
np.pmt(0.08 / 12, 5 * 12, 15000., 0, 'begin'), 4)
# end
assert_almost_equal(np.pmt(0.08 / 12, 5 * 12, 15000., 0),
np.pmt(0.08 / 12, 5 * 12, 15000., 0, 'end'), 4)
assert_almost_equal(np.pmt(0.08 / 12, 5 * 12, 15000., 0, 0),
np.pmt(0.08 / 12, 5 * 12, 15000., 0, 'end'), 4)
# begin
assert_almost_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0, 1),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 'begin'), 4)
# end
assert_almost_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 'end'), 4)
assert_almost_equal(np.ppmt(0.1 / 12, 1, 60, 55000, 0, 0),
np.ppmt(0.1 / 12, 1, 60, 55000, 0, 'end'), 4)
# begin
assert_almost_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0, 1),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 'begin'), 4)
# end
assert_almost_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 'end'), 4)
assert_almost_equal(np.ipmt(0.1 / 12, 1, 24, 2000, 0, 0),
np.ipmt(0.1 / 12, 1, 24, 2000, 0, 'end'), 4)
# begin
assert_almost_equal(np.nper(0.075, -2000, 0, 100000., 1),
np.nper(0.075, -2000, 0, 100000., 'begin'), 4)
# end
assert_almost_equal(np.nper(0.075, -2000, 0, 100000.),
np.nper(0.075, -2000, 0, 100000., 'end'), 4)
assert_almost_equal(np.nper(0.075, -2000, 0, 100000., 0),
np.nper(0.075, -2000, 0, 100000., 'end'), 4)
#!/usr/bin/python import numpy print "Number of payments", numpy.nper(0.10 / 12, -100, 9000)
def test_nper(self):
assert_almost_equal(np.nper(0.075, -2000, 0, 100000.), 21.54, 2)
rate = rate / period
#Begin the if statement
# if user desires a time output
if output_type == '1':
pmt = float(
input('What are your desired monthly payments, in dollars?'))
# Calculate the time
try:
time = np.nper(rate, -pmt, principle)
except RuntimeWarning:
print(
"Your inputted payments do not cover your interest. You would never pay off the loan at that rate."
)
continue
#print time to the console
print('You have ' + str(format(time, '.2f')) +
' payments to make. \nThat is approximately ' +
str(format(time / period, '.2f')) + ' years.')
import numpy as np fv = np.fv(0.001, 5, -100, -1000) print(round(fv, 2)) pv = np.pv(0.001, 5, -100, fv) print(pv) npv = np.npv(0.001, [-1000, -100, -100, -100, -100, -100]) print(round(npv, 2)) fv = np.fv(0.001, 5, 0, npv) print(round(fv, 2)) irr = np.irr([-1000, 100, 200, 300, 400, 500]) print(irr) npv = np.npv(irr, [-1000, 100, 200, 300, 400, 500]) print(npv) nper = np.nper(0.001, -100, 1000) print(nper) pmt = np.pmt(0.001, 5, 1000) print(pmt) rate = np.rate(15, -100, 1000, 0) print(rate)
def tvmm(pval=None,
fval=None,
pmt=None,
nrate=None,
nper=None,
due=0,
pyr=1,
noprint=True):
"""Computes present and future values, interest rate and number
of periods.
Args:
pval (float, list): Present value.
fval (float, list): Future value.
pmt (float, list): Periodic payment.
nrate (float, list): Nominal rate per year.
nper (int, list): Number of compounding periods.
due (int): When payments are due.
pyr (int, list): number of periods per year.
noprint (bool): prints enhanced output
Returns:
Argument set to None in the function call.
Effective interest rate per period is calculated as `nrate` / `pyr`.
>>> tvmm(pval=5000, nrate=11.32, nper=48, fval=0, pyr=12, noprint=False) # doctest: +ELLIPSIS
Present Value: ....... 5000.00
Future Value: ........ 0.00
Payment: ............. -130.01
Due: ................. END
No. of Periods: ...... 48.00
Compoundings per Year: 12
Nominal Rate: ....... 11.32
Effective Rate: ..... 11.93
Periodic Rate: ...... 0.94
>>> tvmm(pval=[5, 500, 5], nrate=11.32, nper=48, fval=0, pyr=12, noprint=False) # doctest: +ELLIPSIS
# pval fval pmt nper nrate erate prate due
------------------------------------------------------
0 5.00 0.00 -0.13 48.00 11.32 11.93 0.94 END
1 500.00 0.00 -0.13 48.00 11.32 11.93 0.94 END
2 5.00 0.00 -0.13 48.00 11.32 11.93 0.94 END
"""
#pylint: disable=too-many-arguments
#pylint: disable=too-many-branches
numnone = 0
numnone += 1 if pval is None else 0
numnone += 1 if fval is None else 0
numnone += 1 if nper is None else 0
numnone += 1 if pmt is None else 0
numnone += 1 if nrate is None else 0
if numnone > 1:
raise ValueError('One of the params must be set to None')
if numnone == 0:
pmt = None
if pmt == 0.0:
pmt = 0.0000001
nrate = numpy.array(nrate)
if pval is None:
result = numpy.pv(rate=nrate / 100 / pyr,
nper=nper,
fv=fval,
pmt=pmt,
when=due)
elif fval is None:
result = numpy.fv(rate=nrate / 100 / pyr,
nper=nper,
pv=pval,
pmt=pmt,
when=due)
elif nper is None:
result = numpy.nper(rate=nrate / 100 / pyr,
pv=pval,
fv=fval,
pmt=pmt,
when=due)
elif pmt is None:
result = numpy.pmt(rate=nrate / 100 / pyr,
nper=nper,
pv=pval,
fv=fval,
when=due)
else:
result = numpy.rate(pv=pval, nper=nper, fv=fval, pmt=pmt,
when=due) * 100 * pyr
if noprint is True:
if isinstance(result, numpy.ndarray):
return result.tolist()
return result
nrate = nrate.tolist()
if pval is None:
pval = result
elif fval is None:
fval = result
elif nper is None:
nper = result
elif pmt is None:
pmt = result
else:
nrate = result
params = vars2list([pval, fval, nper, pmt, nrate])
pval = params[0]
fval = params[1]
nper = params[2]
pmt = params[3]
nrate = params[4]
# raise ValueError(nrate.__repr__())
erate, prate = iconv(nrate=nrate, pyr=pyr)
if len(pval) == 1:
if pval is not None:
print('Present Value: ....... {:8.2f}'.format(pval[0]))
if fval is not None:
print('Future Value: ........ {:8.2f}'.format(fval[0]))
if pmt is not None:
print('Payment: ............. {:8.2f}'.format(pmt[0]))
if due is not None:
print('Due: ................. {:s}'.format('END' if due ==
0 else 'BEG'))
print('No. of Periods: ...... {:8.2f}'.format(nper[0]))
print('Compoundings per Year: {:>5d}'.format(pyr))
print('Nominal Rate: ....... {:8.2f}'.format(nrate[0]))
print('Effective Rate: ..... {:8.2f}'.format(erate))
print('Periodic Rate: ...... {:8.2f}'.format(prate))
else:
if due == 0:
sdue = 'END'
txtpmt = []
for item, _ in enumerate(pval):
txtpmt.append(pmt[item][-1])
else:
sdue = 'BEG'
txtpmt = []
for item, _ in enumerate(pval):
txtpmt.append(pmt[item][0])
maxlen = 5
for value1, value2, value3, value4 in zip(pval, fval, txtpmt, nper):
maxlen = max(maxlen, len('{:1.2f}'.format(value1)))
maxlen = max(maxlen, len('{:1.2f}'.format(value2)))
maxlen = max(maxlen, len('{:1.2f}'.format(value3)))
maxlen = max(maxlen, len('{:1.2f}'.format(value4)))
len_aux = len('{:d}'.format(len(pval)))
fmt_num = ' {:' + '{:d}'.format(maxlen) + '.2f}'
fmt_num = '{:<' + '{:d}'.format(
len_aux) + 'd}' + fmt_num * 7 + ' {:3s}'
# fmt_shr = '{:' + '{:d}'.format(len_aux) + 's}'
fmt_hdr = ' {:>' + '{:d}'.format(maxlen) + 's}'
fmt_hdr = '{:' + '{:d}'.format(len_aux) + 's}' + fmt_hdr * 7 + ' due'
txt = fmt_hdr.format('#', 'pval', 'fval', 'pmt', 'nper', 'nrate',
'erate', 'prate')
print(txt)
print('-' * len_aux + '-' * maxlen * 7 + '-' * 7 + '----')
for item, _ in enumerate(pval):
print(
fmt_num.format(item, pval[item], fval[item], txtpmt[item],
nper[item], nrate[item], erate[item],
prate[item], sdue))
def test_nper2(self):
assert_almost_equal(np.nper(0.0,-2000,0,100000.),
50.0, 1)
# -*- coding: utf-8 -*-
"""
Created on Sat Sep 26 11:34:21 2015
@author: ESAccount24
"""
#financial institutions
import numpy as np
import scipy.optimize as sp
def myfnc(x):
return np.pv(x, 2, 0, 125.44) + 100.0
futval = np.fv(0.12, 2, 0, -100.0)
print futval
prval = np.pv(0.12, 2, 0, 125.44)
print prval
nperiods = np.nper(0.12, 0, -100.0, 125.44)
print nperiods
intrate = np.rate(2, 0, -100, 125.44)
print intrate
initialRateGuess = 0.134
#goalseek
#find interest rate that satisfies euqation connecting pv, fv, and nper
print sp.fsolve(myfnc, initialRateGuess)
