def CleanDeal(self, sFICO, pLTV, sTerm):
# This function will clean up the sFICO, pLTV, and sTerm
# parameters, so they can be used to find APR and Monthly payment
# If uncleanable, return 0-0-0; else, return Fico-LTV-Term
# The returned values will correspond to a grid point on the
# tabulated APRGrid and MonthlyGrid dictionaries
try:
if isNull(sFICO):
FICO = self.LowFico
else:
FICO = max(self.LowFico, min(self.HighFico, float(sFICO)))
FICO = int(round((FICO - self.LowFico)/self.StepFico) *
self.StepFico + self.LowFico)
LTV = max(self.LowLTV, min(self.HighLTV, 100.0 * pLTV))
LTV = int(round((LTV - self.LowLTV)/self.StepLTV) *
self.StepLTV + self.LowLTV)
Term = int(fixNull(sTerm, cfg.TermWanted))
if (Term < self.LowTerm) or (Term > self.HighTerm) or \
( (Term - self.LowTerm) % self.StepTerm != 0):
return (0, 0, 0)
return (FICO, LTV, Term)
except ValueError:
return (0, 0, 0)
except:
print "Unexpected error in CleanDeal:"
print "sFICO = " + str(sFICO)
print "pLTV = " + str(pLTV)
print "sTerm = " + str(sTerm)
raise
def SQL_FindMonthly(sSellingPrice, sInvoice, iCashCost, sTradeIn, sPayoff, fDownCash, sFico, sTerm):
# Find required MonthlyPayments for a given DownCash figure
# Logic: LoanAmount = Price - [ DownCash + TradeIn - TradeInPayoff ]
# LTV = LoanAmount / Invoice
# Use LTV and FICO to find [Monthly%] in the M72 table
# The M72 tables incorporates the active APR grid
# Monthly% is the Monthly payment as a % of LoanAmount
# MonthlyPayment = [Monthly%] * LoanAmount
try:
Invoice = float(fixZero(sInvoice, fixZero(sSellingPrice, iCashCost)))
if Invoice == 0:
return "0"
TradeInNet = float0(sTradeIn) - float0(sPayoff)
DownPayment = float0(fDownCash) + TradeInNet
LoanAmount = iCashCost - DownPayment
LTV = LoanAmount / Invoice
sFico = fixNull(sFico, str(cfg.LowestFicoAnywhere))
Results = MyAPR.GetMonthly(sFico, LTV, sTerm) * LoanAmount
return int(round(Results))
except ValueError:
return ""
except:
print "Unexpected error in SQL_FindMonthly:"
print "sSellingPrice = " + str(sSellingPrice)
print "sInvoice = " + str(sInvoice)
print "iCashCost = " + str(iCashCost)
print "sTradeIn = " + str(sTradeIn)
print "sPayoff = " + str(sPayoff)
print "fDownCash = " + str(fDownCash)
print "sFico = " + str(sFico)
print "sTerm = " + str(sTerm)
raise
def SQL_FindAPR(sSellingPrice, sInvoice, iCashCost, sTradeIn, sPayoff, fDownCash, sFico, sTerm):
# Find the APR for a given DownCash figure
# Logic: LoanAmount = Price - [ DownCash + TradeIn - TradeInPayoff ]
# LTV = LoanAmount / Invoice
# Use LTV and FICO to find APR in the APR table
global GlobalAPR
try:
Invoice = float(fixZero(sInvoice, fixZero(sSellingPrice, iCashCost)))
if Invoice == 0:
return "0"
TradeInNet = float0(sTradeIn) - float0(sPayoff)
DownPayment = float0(fDownCash) + TradeInNet
LoanAmount = iCashCost - DownPayment
LTV = LoanAmount / Invoice
sFico = fixNull(sFico, str(cfg.LowestFicoAnywhere))
Results = MyAPR.GetAPR(sFico, LTV, sTerm)
return str(Results)
except ValueError:
return ""
except:
print "Unexpected error in SQL_FindAPR:"
print "sSellingPrice = " + str(sSellingPrice)
print "sInvoice = " + str(sInvoice)
print "iCashCost = " + str(iCashCost)
print "sTradeIn = " + str(sTradeIn)
print "sPayoff = " + str(sPayoff)
print "fDownCash = " + str(fDownCash)
print "sFico = " + str(sFico)
print "sTerm = " + str(sTerm)
raise
def SQL_FindDown(sSellingPrice, sInvoice, iCashCost, sTradeIn, sPayoff, fMonthly, sFico, sTerm):
# Find required DownCash for a given MonthlyPayment figure
# This is the reverse of SQL_DealUpfront()
# Note: This one is tricky, since APR computation requires knowing LTV,
# but LTV is driven by DownCash -- which is the solution we seek
# It is assumed that APR is monotone increasing with LTV
#
# Logic: Try each LTV granularity possibility starting with the lowest LTV
# The list length is the number of LTV granulations (=17)
# For each LTV in the list:
# Use FICO and LTV to find [Monthly%] in the M72 Table
# LoanAmount = MonthlyPayment / [%Monthly]
# ConsequentLTV = LoanAmount / Invoice
# If ConsequentLTV > LTV, not a solution; continue to next LTV
# If reached highest LTV, and still not a solution; use highest LTV
# Once a solution is found (or using highest):
# DownCash = Price - LoanAmount - [TradeIn - TradeInPayoff]
try:
Invoice = float(fixZero(sInvoice, fixZero(sSellingPrice, iCashCost)))
if Invoice == 0:
return "0"
TradeInNet = float0(sTradeIn) - float0(sPayoff)
Monthly = float0(fMonthly)
sFico = fixNull(sFico, str(cfg.LowestFicoAnywhere))
NeedSolution = True
TryLTV = MyAPR.LowLTV
while TryLTV <= MyAPR.HighLTV and NeedSolution:
LoanAmount = Monthly / MyAPR.GetMonthly(sFico, TryLTV, sTerm)
NeedSolution = (LoanAmount / Invoice) > TryLTV
TryLTV += MyAPR.StepLTV
Results = iCashCost - LoanAmount - TradeInNet
return int(round(Results))
except ValueError:
return ""
except:
print "Unexpected error in SQL_FindDown:"
print "sSellingPrice = " + str(sSellingPrice)
print "sInvoice = " + str(sInvoice)
print "iCashCost = " + str(iCashCost)
print "sTradeIn = " + str(sTradeIn)
print "sPayoff = " + str(sPayoff)
print "fMonthly = " + str(fMonthly)
print "sFico = " + str(sFico)
raise
#MySelections = VehicleArray(SessionFilterArray, SessionConsumer, MyAPR)
#MySelections0 = MySelections