def main():
# Enter yearly interest rate
annualInterestRate = eval(input
("Enter yearly interest rate, for example, 7.25: "))
# Enter number of years
numberOfYears = eval(input(
"Enter number of years as an integer: "))
# Enter loan amount
loanAmount = eval(input(
"Enter loan amount, for example, 120000.95: "))
# Enter a borrwer
borrower = input("Enter a borrower's name: ")
# Create a Loan object
loan = Loan(annualInterestRate, numberOfYears,
loanAmount, borrower)
# Display loan date, monthly payment, and total payment
print("The loan is for", loan.getBorrower())
print("The monthly payment is", format(
loan.getMonthlyPayment(), '.2f'))
print("The total payment is", format(
loan.getTotalPayment(), '.2f'))
def testNewLoan(self):
termLoan = Loan.createTermLoan(300, 0.5, 0.8)
self.assertEquals(300, termLoan.commitment)
self.assertEquals(120, termLoan.capital())
revolver = Loan.createRevolver(300, 0.5, 0.8, date(2013, 8, 15))
self.assertTrue(None != revolver.expiry)
self.assertEquals(130, revolver.capital())
RCTL = Loan.createRCTL(300, 0.5, 0.8, 200)
self.assertEquals(200, RCTL.outstanding)
self.assertEquals(140, RCTL.capital())
def main(argv):
initialBalance = int(sys.argv[1])
interestRate = int(sys.argv[2])
term = int(sys.argv[3])
myLoan = Loan(initialBalance, interestRate, term, 0)
myLoan.computeMonthlyPayment()
header = '{:<10s} {:<17s} {:<15s} {:<14s} {:<18s}'.format("Month", "Balance In", "Interest", "Payment", "Balance Out")
print(header)
for a in range(1, term + 1):
results = '{:>5} {:>15.2f} {:>15.2f} {:>14.2f} {:18.2f}'.format(
a, myLoan.remainingBalance(a), myLoan.interestAccrued(a), myLoan.monthlyPayment, myLoan.remainingBalance(a+1))
print(results)
def work_application(self):
print(f"\nWorking an Application")
if not self.fake_db["applications_list"]:
print(f"No Applications exist. Please create an Application...")
self.menu_handler("Loan Menu")
else:
app_id = input(f"Enter application id... ")
print(f"\n1 Approve")
print(f"2 Deny")
decision = int(input(f"Enter choice... "))
if decision == 1:
owner = self.fake_db["people_list"][input(
f"Enter owner id... ")]
interest = input(f"Input interest rate... ")
temp_ln = Loan(
*self.fake_db["application_list"][app_id].
approve_application(self, app_id, owner, interest))
self.fake_db["loan_list"].append(temp_ln)
self.write_db()
elif decision == 2:
self.fake_db["application_list"].deny_application()
self.write_db()
else:
self.menu_handler("Loan Menu")
self.menu_handler("Loan Menu")
def main():
annualInterestRate = eval(
input("Enter yearly interest rate, for example, 7.25: "))
numberOfYears = eval(input("Enter number of years as integer: "))
loanAmount = eval(input("Enter loan amount, ex 120000.95: "))
borrower = input("Enter a borrowers name: ")
# Create a loan object
loan = Loan(annualInterestRate, numberOfYears, loanAmount, borrower)
print("the loan is for", loan.getBorrower())
print("the monthly payment is", format(loan.getMonthlyPayment(), ".2f"))
print("the total payment is", format(loan.getTotalPayment(), ".2f"))
def test(store):
from Book import Book
from Author import Author
from Loan import Loan
from Wrote import Wrote
from Shelf import Shelf
classics = Shelf()
classics.setName('Classics')
store.addObject(classics)
store.saveChanges()
ed = Author()
ed.setName('Edmund Wells')
david = Book()
wrote = Wrote()
ed.addToWrote(wrote)
david.addToAuthors(wrote)
david.setTitle('David Coperfield')
david.setPublisher('Monty Python')
loan = Loan()
loan.setBorrower('A. Git')
david.addToLoans(loan)
david.setShelf(classics)
store.addObject(david)
store.saveChanges()
# create a clone of the book and associated objects
grate = david.clone()
grate.setTitle('Grate Expections')
store.addObject(grate)
store.saveChanges()
assert david is not grate
assert len(grate.authors()) == 1
assert david.authors()[0] is not grate.authors()[0]
assert grate.authors()[0].author() is ed
assert len(grate.loans()) == 0
assert grate.shelf() is david.shelf()
assert grate.publisher() == 'Monty Python'
def main():
# Enter yearly interest rate
annualInterestRate = eval(input("Enter yearly interest rate, for example, 7.25: "))
# Enter number of years
numberOfYears = eval(input("Enter number of years as an integer: "))
# Enter loan amount
loanAmount = eval(input("Enter loan amount, for example, 120000.95: "))
# Enter a borrower
borrower = input("Enter a borrower's name: ")
# Create a Loan object
loan = Loan(annualInterestRate, numberOfYears, loanAmount, borrower)
# Display loan date, monthly payment, and total payment
print("The loan is for", loan.getBorrower())
print("The monthly payment is", format(loan.getMonthlyPayment(), ".2f"))
print("The total payment is", format(loan.getTotalPayment(), ".2f"))
def main():
# Enter yearly interest rate
annualInterestRate = eval(input("请输入年利率，例如 7.25 :"))
# Enter number of years
numberOfYears = eval(input("请输入贷款年限，整数："))
# Enter loan amount
loanAmount = eval(input("请输入贷款总数，例如 120000.95 ："))
# Enter a borrower
borrower = input("请输入贷款人姓名：")
# Create a Loan object
loan = Loan(annualInterestRate, numberOfYears, loanAmount, borrower)
# Display loan date, monthly payment, and total payment
print("The loan is for", loan.getBorrower())
print("The monthly payment is", format(loan.getMonthlyPayment(), ".2f"))
print("The total payment is", format(loan.getTotalPayment(), ".2f"))
def buyProperty(self, property_obj):
current_month = self.calendar.month
# buy property
property_value = property_obj.value_history[current_month]
down_payment = self.down_payment_percentage * property_value / 100.0 # TODO: function for calcing down payment
self.savings_history[current_month] -= down_payment
self.properties.append(property_obj)
# take on loan
new_loan = Loan(property_value - down_payment, current_month)
self.loans.append(new_loan)
def main():
# Enter yearly interest rate.
annualInterestRate = float(input
("Enter yearly interest rate, for example, 7.25: "))
# Enter number of years.
numberOfYears = int(input(
"Enter number of years as an integer: "))
# Enter loan amount.
loanAmount = float(input(
"Enter loan amount, for example, 120000.95: "))
# Enter a borrower.
borrower = input("Enter a borrower's name: ")
# Enter reason.
reason = input("Enter a reason for the loan: ")
# Create a Loan object.
loan = Loan(annualInterestRate, numberOfYears,
loanAmount, borrower, reason)
# Display loan date, monthly payment, and total payment.
print("The borrower is", loan.getBorrower(), "for", loan.getReason())
print("The monthly payment is", format(
loan.getMonthlyPayment(), '.2f'))
print("The total payment is", format(
loan.getTotalPayment(), '.2f'))
def _populate_db(self):
"""Add mocked data to database"""
user_1 = User(name='FirstName', surname="FirstSurname")
user_2 = User(name='SecondName', surname="SecondName")
loan_1 = Loan(balance=56, currency='GBP')
report_1 = Report(
body='body1',
loan=loan_1,
title='TitleReport1',
user=user_1,
)
report_2 = Report(user=user_2, title='TitleReport2')
db.session.add(report_1)
db.session.add(report_2)
db.session.commit()
def test008_loan(self):
L = Loan(self.D, '18252023049', 'cjs123456')
L.loan(u'善楼贷', u'等额本息', '6', '20000', u'扩大经营')
def getLoan(self, user):
from Loan import Loan
loan = Loan.objects(movie=self, user=user).first()
return loan
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 getLoan(self, user):
from Loan import Loan
loan = Loan.objects(movie=self, user=user).first()
return loan
from Loan import Loan
from PaymentSchedules import Standard_Repayment
from PaymentSchedules import Extended_Repayment
from PaymentSchedules import Graduated_Repayment
from PaymentSchedules import ICR
l = Loan()
p = ICR(l, income=60000)
total_payment_count = l.loan_length * p.payment_frequency
stepsize = 1
medschool = 12 * 4 #months of forebearance
l.CalculateInterest(period=12 * 4)
l.Capitalization()
#residency starts
p.ChangeIncomeLevel(60000)
while l.debt_timestep < total_payment_count:
if l.debt_timestep == 12.0 * 6:
p.ChangeIncomeLevel(200000)
l.CalculateInterest(period=stepsize)
payment = p.CurrentPayment(l)
l.MakePayment(payment=payment)
def main():
l = Loan()
l.setBorrower("스니")
print("borrower is ", l.getBorrower())
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)
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 setUp(self):
self.loan1 = Loan(TestLoan.bal1, TestLoan.rate1, TestLoan.num1, 0)
self.loan1.computeMonthlyPayment()
self.loan2 = Loan(TestLoan.bal2, TestLoan.rate2, TestLoan.num2, 0)
self.loan2.computeMonthlyPayment()
class TestLoan(unittest.TestCase):
# one set of loan parameters
bal1 = 1200
rate1 = .12
num1 = 12
pmt1 = 106.61854641401
bal1_6 = 717.350320703218
bal1_11 = 210.080657084758
bal1_16 = -323.064857489090
int1_6 = 7.17350320703218
int1_11 = 2.10080657084758
int1_16 = -3.23064857489090
bal2 = 5000
rate2 = .24
num2 = 15
pmt2 = 389.12736125122
bal2_6 = 3495.369600693820
bal2_11 = 1834.136060908720
bal2_15 = 381.497412991396
int2_6 = 69.90739201387640
int2_11 = 36.68272121817440
int2_15 = 7.62994825982792
def setUp(self):
self.loan1 = Loan(TestLoan.bal1, TestLoan.rate1, TestLoan.num1, 0)
self.loan1.computeMonthlyPayment()
self.loan2 = Loan(TestLoan.bal2, TestLoan.rate2, TestLoan.num2, 0)
self.loan2.computeMonthlyPayment()
def test_1_monthly_payment(self):
self.assertAlmostEqual(self.loan1.monthlyPayment, TestLoan.pmt1)
def test_1_remaining_balance(self):
self.assertAlmostEqual(self.loan1.remainingBalance(11), TestLoan.bal1_11)
self.assertAlmostEqual(self.loan1.remainingBalance(6), TestLoan.bal1_6)
self.assertAlmostEqual(self.loan1.remainingBalance(16), TestLoan.bal1_16)
def test_1_interest_accrued(self):
self.assertAlmostEqual(self.loan1.interestAccrued(6), TestLoan.int1_6)
self.assertAlmostEqual(self.loan1.interestAccrued(16), TestLoan.int1_16)
self.assertAlmostEqual(self.loan1.interestAccrued(11), TestLoan.int1_11)
def test_2_monthly_payment(self):
self.assertAlmostEqual(self.loan1.monthlyPayment, TestLoan.pmt1)
def test_2_remaining_balance(self):
self.assertAlmostEqual(self.loan2.remainingBalance(11), TestLoan.bal2_11)
self.assertAlmostEqual(self.loan2.remainingBalance(6), TestLoan.bal2_6)
self.assertAlmostEqual(self.loan2.remainingBalance(15), TestLoan.bal2_15)
def test_2_interest_accrued(self):
self.assertAlmostEqual(self.loan2.interestAccrued(6), TestLoan.int2_6)
self.assertAlmostEqual(self.loan2.interestAccrued(15), TestLoan.int2_15)
self.assertAlmostEqual(self.loan2.interestAccrued(11), TestLoan.int2_11)
