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 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 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_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 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 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 testLProgression_UT07(self):
L = Loan('Yfirdráttur', 120000, 24, 12, False)
self.assertEqual(L.progression(1000, 5)[1][12],0)
self.assertEqual(L.progression(1000, 5)[1][4],76000)
self.assertEqual(L.progression(1000, 5)[0][11],5100)
self.assertEqual(L.progression(1000, 5)[0][3],12740)
self.assertEqual(round(L.progression(1000, 5)[2][11]),100.0)
self.assertEqual(round(L.progression(1000, 5)[2][3]),1740.0)
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):
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_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 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_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 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 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 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 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 Main(area, cp, months, tof):
# Inputs
# Ratio of KWp by area [KWP/m2], value obtained from the manufacturer technical sheet
wp = 0.145 # ratio in [kwp/m2]
#Area of the solar panels in [m2]
print('area es == ' + str(area))
print(' postal code is== ' + str(cp))
#area=100 #m2
#postal code
#cp=int(raw_input("What is your postal code??"))
#cp=44670
#Exchange rate
exchangeRate = ExchangeRate.exchange() #[mxn/usd]
now = datetime.datetime.now()
day = now.strftime
#print (now.strftime("%Y-%m-%d %H:%M"))
print(' Exhange rate: ', str(exchangeRate) + ' mxn/usd')
#solar production year estimate_bandwidth kw*h/yr
irradiationMean = SolarProductionN.myfunc(wp, cp)
#solarP=SolarProductionN.myfunc(wp,cp)*area*wp
solarP = irradiationMean * area * wp
irradiationDistribution = Distribution.distribution(
irradiationMean) #irradiation distribution by month [kwh/hwp/year]
print('irradiation distribution: ' + str(irradiationDistribution) +
'kwh/kwp/yr.')
print('Anual solar output: ' + str(solarP) + ' kw*h/yr')
#Total cost of install $
#iInv=15265
#print(area*wp)
if (area * wp) < 4:
iInv = area * wp * 1840 * 1.4
print('menor a 4')
elif (area * wp) > 4 and (area * wp) < 10:
iInv = area * wp * 1509 * 1.4
print('entre 4 y 10')
else:
iInv = area * wp * 1153 * 1.4
print('mayor a 10')
print('inivital investment: ' + str(iInv) + ' $ USD')
#Discount rate
dRate = 0.0772
dRateM = (1 + dRate)**(1 / 12) - 1
print(dRateM)
#number of months
#months=12*25
'''
#Tax benefits
taxBenefit=int(raw_input('Type the percentage of tax benefit'))/100
iInv=(1-taxBenefit)*iInv
'''
#Loan
#percentageLoan= int(raw_input('Percentage of borrowed from the initial investment'))/100
percentageLoan = 0.44
installment = Loan.loan(dRateM, months, percentageLoan * iInv)
#Energy price per [$/KW*h] Type of user
#type=raw_input('Enter type of user:residential,industrial or business')
energyP = EnergyPriceN.allocation(tof, solarP, cp) * float(exchangeRate)
print('Unit price:' + str(energyP) + ' $/kwh')
#energyP=0.147
#energyP=2.6811
#electricity price increase per year 1/yr
electricityI = 0.02
#solar panel yearly degradation 1/yr
panelD = 0.005
#Minimum fees $/month
minimumFee = 0
#Cash flow model
vTime = []
vTimeY = []
mEProduction = []
mEProduction.append(0)
mdistribution = []
mdistribution.append(0)
vDegradation = []
vDegradation.append(0)
eGeneration = []
eGeneration.append(0)
MinFees = []
MinFees.append(0)
cashFlow = []
cashFlowY = []
netCashFlow = []
netCashFlowY = []
cashFlow.append(-iInv)
netCashFlow.append(-iInv)
#Columns:Time interval[month]
for i in range(months + 1):
vTime.append(i)
#Columns: Monthly energy production[kw*h],Degradation[%],Energy generation by month[kw*h], minimum fee [usd/month], Cash flow [usd/month], netcashflow [usd/month]
for i in range(1, months + 1):
j = i % 12
if j == 0:
j = 12
#print ('j es igual '+str(j))
mProduction = round(solarP / 12, 7) # delete round
mEProduction.append(mProduction)
mProductionD = float(irradiationDistribution[j - 1]) * area * wp
mdistribution.append(mProductionD)
degradation = round(i * panelD / 12, 7)
vDegradation.append(degradation)
generation = round(mProductionD * (1 - degradation),
7) # takes into account the distributed energy
eGeneration.append(generation)
MinFees.append(minimumFee)
cash = round(
generation * energyP * (1 + i * electricityI / (12)),
7) - minimumFee - Loan.monthlyInstallmentM[i] # aqui esta el peine
cashFlow.append(cash)
net = math.fsum(cashFlow)
netCashFlow.append(net)
# Output Parameters
#print(cashFlow)
# from months to years #optimize algorithm
years = int(months / 12)
for i in range(years):
vTimeY.append(i + 1)
sum = 0
add = 0
#k=i+1
for j in range(12):
#print (j)
position = j + i * 12 + 1
#print(position)
sum = sum + netCashFlow[position]
add = add + cashFlow[position]
if i == 0:
sum2 = sum - iInv
netCashFlowY.append(sum2)
add2 = add - iInv
cashFlowY.append(add2)
else:
netCashFlowY.append(sum)
cashFlowY.append(add)
irr = np.irr(cashFlow)
print('IRR: %s ' % irr)
irrY = np.irr(cashFlowY)
print('IRR Year: %s ' % irrY)
presentValue = np.npv(dRateM, netCashFlow)
print('Net Present value: ' + str(presentValue))
#print(netCashFlow)
#print(netCashFlowY)
print('otro mas')
presentM = []
timeP = []
for i in range(0, 30):
x = (i + 1) / 100
timeP.append(x)
#present=np.npv(x,netCashFlowY)
present = np.npv(x, cashFlowY)
presentM.append(present)
#print(presentM)
#----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV----CSV
with open('mycsv.csv', 'w', newline='') as f:
#fieldnames=['Period','Monthly energy production','Panel degradation','Energy generation','Minimum Fees','Cashflow','Net cashflow']
fieldnames = [
'Period', 'Monthly energy production',
'Distributed Monthly energy production', 'Panel degradation',
'Energy generation', 'Minimum Fees', 'Monthly installment',
'Cashflow', 'Net cashflow'
]
thewriter = csv.DictWriter(f, fieldnames=fieldnames)
thewriter.writeheader()
#thewriter.writerow({'column 1':'juan','column2':'ale','column 3':'raquel'})
for i in range(len(vTime)):
period = vTime[i]
pro = mEProduction[i]
dis = mdistribution[i]
deg = vDegradation[i]
gen = eGeneration[i]
#fee=MinFees[i]
mon = monthlyInstallmentM[i]
cas = cashFlow[i]
net = netCashFlow[i]
thewriter.writerow({
'Period': period,
'Monthly energy production': pro,
'Distributed Monthly energy production': dis,
'Panel degradation': deg,
'Energy generation': gen,
'Monthly installment': mon,
'Cashflow': cas,
'Net cashflow': net
})
#----Plots----Plots----Plots----Plots----Plots----Plots----Plots----Plots----Plots----Plots----Plots----Plots
area2 = 200
k = area / area2
case2 = [i * k for i in netCashFlowY]
grafica = plt.figure(2)
ax = grafica.add_subplot(421)
ax.bar(vTimeY, netCashFlowY, color=(1.0, 0.5, 0.62))
ax.set_ylabel('Cash flow')
ax.set_xlabel('Years')
ax.set_title('Cash flow solar panels 25 years')
ax.grid(color='b', linestyle='-', linewidth=0.1)
ax = grafica.add_subplot(422)
ax.plot(vTime, netCashFlow)
ax.get_yaxis().set_major_formatter(
plt.FuncFormatter(lambda x, loc: "{:,}".format(int(x))))
ax.set_ylabel('Cash flow')
ax.set_xlabel('Months')
ax.set_title('Break even point project 1')
ax.grid(color='b', linestyle='-', linewidth=0.1)
plt.axhline(linewidth=1, color='r')
ax = grafica.add_subplot(425)
ax.plot(vTimeY, netCashFlowY, 'g', vTimeY, case2, 'r')
ax.get_yaxis().set_major_formatter(
plt.FuncFormatter(lambda x, loc: "{:,}".format(int(x))))
#ax.set_xticks(ax.get_xticks()[::1])# number of times the x axis is divided
ax.set_ylabel('Cash flow')
ax.set_xlabel('Years')
ax.set_title('Revenue of two projects')
ax.grid(color='b', linestyle='-', linewidth=0.1)
p1 = str(area) + ' m2 project '
p2 = str(area2) + ' m2 project'
ax.legend([p1, p2])
ax = grafica.add_subplot(426)
ax.plot(timeP, presentM)
ax.get_yaxis().set_major_formatter(
plt.FuncFormatter(lambda x, loc: "{:,}".format(int(x))))
#ax.set_xticks(ax.get_xticks()[::1])# number of times the x axis is divided
ax.set_ylabel('Cash flow')
ax.set_xlabel('Discount rate')
ax.set_title('IRR project ' + p1)
ax.grid(color='b', linestyle='-', linewidth=0.1)
plt.axhline(linewidth=1, color='r')
plt.show()
def testLpayProgression_UT08(self):
L = Loan('Yfirdráttur', 120000, 24, 12, False)
self.assertEqual(L.payProgression(1000, 5)[11],5100)
self.assertEqual(L.payProgression(1000, 5)[3],12740)
def testLdebtProgression_UT09(self):
L = Loan('Yfirdráttur', 120000, 24, 12, False)
self.assertEqual(L.debtProgression(1000, 5)[12],0)
self.assertEqual(L.debtProgression(1000, 5)[4],76000)
def testLtotInterest_UT10(self):
L = Loan('Yfirdráttur', 120000, 24, 12, False)
self.assertEqual(L.totInterest(1000, 5),14700)
def testLinterestM_UT11(self):
L = Loan('Yfirdráttur', 120000, 24, 12, False)
self.assertEqual(L.interestM(1000, 5, 9),13800)
def testLdatLoanDebt_UT12(self):
L = Loan('Yfirdráttur', 120000, 24, 12, False)
self.assertEqual(round(L.datLoanDebt(1000, 5)[1][11]),100)
self.assertEqual(round(L.datLoanDebt(1000, 5)[1][3]),77740)
# -*- coding: utf-8 -*-
from Savings import *
from Loan import *
from Calculator import *
#from storage import *
from Plot import *
#Profar Loan og Savings:
S1 = Savings('Ubersparnadur', 100000, 1.7, True, 12)
S2 = Savings('Sparigris', 100000, 3.5, False, 3)
L1 = Loan('Husnaedislan', 30000000, 1.3, 240, True)
L2 = Loan('Yfirdrattur', 450000, 20, 6, False)
print L1
print
print L2
print S1
print '\nEf madur borgar 1000 kr inn a sparnadinn naestu 6 manudi ta verdur troun reikningsins naestu 12 manudi:'
print S1.printProgression(1000, 6, 12)
print '\nEf madur borgar 0 kr inn a sparnadinn naestu 6 manudi ta verdur troun reikningsins naestu 12 manudi:'
print S1.printProgression(1000, 0, 12)
print '\nMed tvi ad leggja 1000 kr inn a manudi inn ta geturdu tekid ut eftirfarandi upphaed eftir 12 manudi:' #Ath verdur ad haetta ad leggja inn svo binditimi klarist adur en tekid er ut
print S1.saveforM(1000, 12)
print '\nMed tvi ad leggja 1000 kr inn a manudi inn ta verdur stadan a reikningunum ordin haerri en 250.000 eftir:'
print S1.saveuptoX(1000, 250000)
print
print S2
print '\nEf madur borgar 1000 kr inn a sparnadinn naestu 6 manudi ta verdur troun reikningsins naestu 12 manudi:'
print S2.printProgression(1000, 6, 12)
print '\nEf madur borgar 0 kr inn a sparnadinn naestu 6 manudi ta verdur troun reikningsins naestu 12 manudi:'
def testLdatLoanPay_UT13(self):
L = Loan('Yfirdráttur', 120000, 24, 12, False)
self.assertEqual(round(L.datLoanPay(1000, 5)[1][11]),5100)
self.assertEqual(round(L.datLoanPay(1000, 5)[1][3]),12740)
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)
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)
def displayMenu():
print("Menu:\n"
"1. Balance Display\n"
"2. Deposit Money\n"
"3. Withdraw Money\n"
"4. Interest\n"
"5. Loans\n"
"6. Donate Money\n"
"7. Stocks\n"
"8. ATM\n"
"9. Insurance\n"
"10. Recent Transactions\n"
"11. Shop\n"
"0. Exit")
choice = str(input("Type your choice number. \n"))
if choice == "1":
print("Your balance is: ", Balance.balance)
pressAnyKey()
displayMenu()
elif choice == "2":
Transactions.depositMoney()
pressAnyKey()
displayMenu()
elif choice == "3":
Transactions.withdrawMoney()
pressAnyKey()
displayMenu()
elif choice == "4":
Interest.interestCalculation()
Interest.interestMoney()
pressAnyKey()
displayMenu()
elif choice == "5":
Loan.performLoan()
pressAnyKey()
displayMenu()
elif choice == "6":
Transactions.donateMoney()
pressAnyKey()
displayMenu()
elif choice == "7":
StockMarket.options()
pressAnyKey()
displayMenu()
elif choice == "8":
ATM.atmSecurity()
pressAnyKey()
displayMenu()
elif choice == "9":
Insurance.insuranceType()
pressAnyKey()
displayMenu()
elif choice == "10":
RecentTransactions.display()
pressAnyKey()
displayMenu()
elif choice == "11":
Shop.startShop()
pressAnyKey()
displayMenu()
elif choice == "0":
print("Goodbye...")
exit()
else:
print("Please enter a valid thing to do.")
displayMenu()
dRateM=(1+dRate)**(1/12)-1
dRate2=0.115
dRateM2=(1+dRate2)**(1/12)-1
print (dRateM)
#number of months
months=12*25
'''
#Tax benefits
taxBenefit=int(raw_input('Type the percentage of tax benefit'))/100
iInv=(1-taxBenefit)*iInv
'''
#Loan
#percentageLoan= int(raw_input('Percentage of borrowed from the initial investment'))/100
percentageLoan=0.5
installment= Loan.loan(dRateM2,months,percentageLoan*iInv)
#Energy price per [$/KW*h] Type of user
#type=raw_input('Enter type of user:residential,industrial or business')
energyP=EnergyPriceN.allocation('residential', solarP, cp)*float(exchangeRate)
print ('Unit price:'+str(energyP)+' $/kwh')
#energyP=0.147
#energyP=2.6811
#electricity price increase per year 1/yr
electricityI=0.02
#solar panel yearly degradation 1/yr
panelD=0.005
def intoloan(self, account):
LoginSupport.destroy_window()
Loan.vp_start_gui(account, accountid)
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()
"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
