def generateAmortizationSchedule(loan, request):
noOfPrincipalPaymentSchedules = loan.term.days / loan.term.principalPaymentPeriod.paymentCycle
# noOfPaymentSchedules = loan.term.days / loan.term.paymentPeriod.paymentCycle
noOfInterestPaymentSchedules = loan.term.days / loan.term.interestPaymentPeriod.paymentCycle
if noOfPrincipalPaymentSchedules > noOfInterestPaymentSchedules:
noOfPaymentSchedules = noOfPrincipalPaymentSchedules
else:
noOfPaymentSchedules = noOfInterestPaymentSchedules
cycle = loan.term.interestPaymentPeriod.paymentCycle
schedule = loan.dateReleased + timezone.timedelta(days=cycle)
pmt = PMT()
pmtInterest = PMT()
print(pmt.payment)
print(pmt.nextStartingValue)
print(pmt.interest)
print(pmt.principal)
loanAmount = loan.amount
amortization = Amortization(
loan=loan,
dateReleased=loan.dateReleased,
# dateReleased = loan.dateReleased + timezone.timedelta(days=1),
amortizationStatus=AmortizationStatus.objects.get(pk=1),
createdBy=request.user,
schedules=noOfPaymentSchedules,
cycle=cycle,
termDays=loan.term.days)
amortization.save()
currentCycle = 1
interestLoan = loan.amount
for i in range(int(noOfPaymentSchedules)):
pmt = pmt.getPayment(loanAmount, loan.interestRate.interestRate,
loan.term.days, noOfPaymentSchedules,
noOfPaymentSchedules - i)
lastPayment = schedule
dayTillCutOff = cycle - int(lastPayment.strftime('%d'))
print("interest rate")
print(Decimal((pmt.principal + pmt.nextStartingValue) - pmt.interest))
accruedInterest = Decimal((pmt.principal + pmt.nextStartingValue)) * (
loan.interestRate.interestRate / 100) * dayTillCutOff / 360
print(round(accruedInterest, 2))
amortizationItem = AmortizationItem(
schedule=schedule,
amortization=amortization,
days=cycle,
principal=pmt.principal,
deductAccruedInterest=pmt.interest - accruedInterest,
accruedInterest=accruedInterest,
interest=pmt.interest,
additionalInterest=0,
penalty=0,
vat=0,
total=pmt.payment,
principalBalance=pmt.nextStartingValue,
amortizationStatus=AmortizationStatus.objects.get(pk=1),
)
amortizationItem.save()
schedule = schedule + timezone.timedelta(days=cycle)
loanAmount = pmt.nextStartingValue
def generateUnevenAmortizationSchedule(loan, request):
noOfPrincipalPaymentSchedules = loan.term.days / loan.term.principalPaymentPeriod.paymentCycle
# noOfPaymentSchedules = loan.term.days / loan.term.paymentPeriod.paymentCycle
noOfInterestPaymentSchedules = loan.term.days / loan.term.interestPaymentPeriod.paymentCycle
if noOfPrincipalPaymentSchedules > noOfInterestPaymentSchedules:
noOfPaymentSchedules = noOfPrincipalPaymentSchedules
else:
noOfPaymentSchedules = noOfInterestPaymentSchedules
cycle = loan.term.interestPaymentPeriod.paymentCycle
schedule = loan.dateReleased + timezone.timedelta(days=cycle)
pmt = PMT()
pmtInterest = PMT()
print(pmt.payment)
print(pmt.nextStartingValue)
print(pmt.interest)
print(pmt.principal)
loanAmount = loan.amount
amortization = Amortization(
loan=loan,
dateReleased=loan.dateReleased,
# dateReleased = loan.dateReleased + timezone.timedelta(days=1),
amortizationStatus=AmortizationStatus.objects.get(pk=1),
createdBy=request.user,
schedules=noOfPaymentSchedules,
cycle=cycle,
termDays=loan.term.days)
amortization.save()
currentCycle = 1
interestLoan = loan.amount
print("CurrentCycle")
print(currentCycle)
print("interestLoan")
print(interestLoan)
print("Payment Schedules")
print(int(noOfPaymentSchedules))
print("=============intitial")
principalBalance = interestLoan
for i in range(int(noOfPaymentSchedules)):
pmt = pmt.getPayment(loanAmount, loan.interestRate.interestRate,
loan.term.days, noOfPaymentSchedules,
noOfPaymentSchedules - i)
principaEntry = 0
pmtInterest = pmtInterest.getPayment(principalBalance,
loan.interestRate.interestRate,
loan.term.days,
noOfPaymentSchedules,
noOfPaymentSchedules - i)
print(i)
print("cycle")
print(cycle)
print("loan.term.principalPaymentPeriod.paymentCycle")
print(loan.term.principalPaymentPeriod.paymentCycle)
if (cycle *
(i + 1)) == (loan.term.principalPaymentPeriod.paymentCycle *
currentCycle):
print("first if")
# if i+1 == int(noOfPaymentSchedules)/ int(noOfPrincipalPaymentSchedules):
# pmtPrincipal = pmt.getPayment(loanAmount,loan.interestRate.interestRate,loan.term.days,noOfPrincipalPaymentSchedules,noOfPrincipalPaymentSchedules - i)
principaEntry = int(loan.amount) / noOfPrincipalPaymentSchedules
print(i)
lastPayment = schedule - timezone.timedelta(days=cycle)
dayTillCutOff = cycle - int(lastPayment.strftime('%d'))
accruedInterest = (int(pmt.principal)) * (
loan.interestRate.interestRate / 100) * dayTillCutOff / 360
principalBalance = int(principalBalance) - int(principaEntry)
amortizationItem = AmortizationItem(
schedule=schedule,
amortization=amortization,
days=cycle,
principal=principaEntry,
deductAccruedInterest=pmtInterest.interest - accruedInterest,
accruedInterest=accruedInterest,
interest=pmtInterest.interest,
additionalInterest=0,
penalty=0,
vat=0,
total=int(principaEntry) + pmtInterest.interest,
principalBalance=principalBalance,
amortizationStatus=AmortizationStatus.objects.get(pk=1),
)
amortizationItem.save()
schedule = schedule + timezone.timedelta(days=cycle)
loanAmount = pmt.nextStartingValue
if (cycle *
(i + 1)) == (loan.term.principalPaymentPeriod.paymentCycle *
currentCycle):
# if i+1 == int(noOfPaymentSchedules)/ int(noOfPrincipalPaymentSchedules):
# loanAmount = pmt.nextStartingValue
currentCycle = currentCycle + 1
interestLoan = int(principaEntry)
def post(self, request):
params = request.data.get("params")
print(params)
dateStart = datetime.strptime(params["dateStart"], '%m/%d/%Y')
principalPaymentCycle = params["principalPaymentCycle"]
interestPaymentCycle = params["interestPaymentCycle"]
termDays = params["termDays"]
loanId = params["loanId"]
loan = Loan.objects.get(pk=loanId)
Amortization.objects.filter(loan_id=loanId,
amortizationStatus__id=4).delete() #DRAFT
#loan principal balance
cycle = interestPaymentCycle
schedules = int(termDays) / int(cycle)
loan.latestPayment = loan.getLatestPayment()
if loan.latestPayment:
loanAmount = loan.latestPayment.outStandingBalance
else:
loanAmount = loan.amount
pmt = PMT()
# loanAmount = loan.amount
print(loanAmount)
# days = loan.term.paymentPeriod.paymentCycle - delta.days
days = cycle
noOfPaymentSchedules = schedules
print(noOfPaymentSchedules)
schedule = dateStart + timezone.timedelta(days=days)
amortization = Amortization(
loan=loan,
dateReleased=dateStart,
amortizationStatus=AmortizationStatus.objects.get(pk=4), #DRAFT
createdBy=request.user,
schedules=schedules,
termDays=termDays,
cycle=cycle)
amortization.save()
if principalPaymentCycle == interestPaymentCycle:
for i in range(int(noOfPaymentSchedules)):
pmt = pmt.getPayment(loanAmount,
loan.interestRate.interestRate, termDays,
noOfPaymentSchedules,
noOfPaymentSchedules - i)
lastPayment = schedule - timezone.timedelta(days=cycle)
dayTillCutOff = cycle - int(lastPayment.strftime('%d'))
accruedInterest = (int(pmt.principal)) * (
loan.interestRate.interestRate / 100) * dayTillCutOff / 360
amortizationItem = AmortizationItem(
schedule=schedule,
amortization=amortization,
days=days,
principal=pmt.principal,
deductAccruedInterest=pmt.interest - accruedInterest,
accruedInterest=accruedInterest,
interest=pmt.interest,
additionalInterest=0,
penalty=0,
vat=0,
total=pmt.payment,
principalBalance=pmt.nextStartingValue,
amortizationStatus=AmortizationStatus.objects.get(pk=1),
)
amortizationItem.save()
schedule = schedule + timezone.timedelta(days=days)
loanAmount = pmt.nextStartingValue
else:
noOfPrincipalPaymentSchedules = loan.term.days / principalPaymentCycle
# noOfPaymentSchedules = loan.term.days / loan.term.paymentPeriod.paymentCycle
noOfInterestPaymentSchedules = loan.term.days / interestPaymentCycle
if noOfPrincipalPaymentSchedules > noOfInterestPaymentSchedules:
noOfPaymentSchedules = noOfPrincipalPaymentSchedules
else:
noOfPaymentSchedules = noOfInterestPaymentSchedules
pmtInterest = PMT()
currentCycle = 1
if loan.latestPayment:
interestLoan = loan.latestPayment.outStandingBalance
else:
interestLoan = loan.amount
principalBalance = interestLoan
for i in range(int(noOfPaymentSchedules)):
pmt = pmt.getPayment(loanAmount,
loan.interestRate.interestRate,
loan.term.days, noOfPaymentSchedules,
noOfPaymentSchedules - i)
principaEntry = 0
pmtInterest = pmtInterest.getPayment(
principalBalance, loan.interestRate.interestRate,
loan.term.days, noOfPaymentSchedules,
noOfPaymentSchedules - i)
if (cycle * (i + 1)) == (
loan.term.principalPaymentPeriod.paymentCycle *
currentCycle):
# if i+1 == int(noOfPaymentSchedules)/ int(noOfPrincipalPaymentSchedules):
# pmtPrincipal = pmt.getPayment(loanAmount,loan.interestRate.interestRate,loan.term.days,noOfPrincipalPaymentSchedules,noOfPrincipalPaymentSchedules - i)
principaEntry = int(
loan.amount) / noOfPrincipalPaymentSchedules
print(i)
lastPayment = schedule - timezone.timedelta(days=cycle)
# dayTillCutOff = cycle - int(timezone.localtime(lastPayment).strftime ('%d') )
dayTillCutOff = cycle - int(lastPayment.strftime('%d'))
accruedInterest = (int(pmt.principal)) * (
loan.interestRate.interestRate / 100) * dayTillCutOff / 360
principalBalance = int(principalBalance) - int(principaEntry)
amortizationItem = AmortizationItem(
schedule=schedule,
amortization=amortization,
days=cycle,
principal=principaEntry,
deductAccruedInterest=pmtInterest.interest -
accruedInterest,
accruedInterest=accruedInterest,
interest=pmtInterest.interest,
additionalInterest=0,
penalty=0,
vat=0,
total=int(principaEntry) + pmtInterest.interest,
principalBalance=principalBalance,
amortizationStatus=AmortizationStatus.objects.get(pk=1),
)
amortizationItem.save()
schedule = schedule + timezone.timedelta(days=cycle)
loanAmount = pmt.nextStartingValue
if (cycle * (i + 1)) == (
loan.term.principalPaymentPeriod.paymentCycle *
currentCycle):
# if i+1 == int(noOfPaymentSchedules)/ int(noOfPrincipalPaymentSchedules):
# loanAmount = pmt.nextStartingValue
currentCycle = currentCycle + 1
interestLoan = int(principaEntry)
# excludeWeekends(amortization.amortizationItems)
return Response(
{
'success': 'true',
'message': 'Restructured Amortization Generated'
},
status=status.HTTP_202_ACCEPTED)
def generateAmortizationSchedule(loan, lastPayment, currentAmortization):
paidItems = loan.amortizations.filter(
amortizationStatus__name="PAID").count()
cycle = currentAmortization.cycle
termDays = currentAmortization.termDays
schedule = loan.dateReleased + timezone.timedelta(
days=loan.term.principalPaymentPeriod.paymentCycle)
noOfPaymentSchedules = termDays / cycle
pmt = PMT()
print(pmt.payment)
print(pmt.nextStartingValue)
print(pmt.interest)
print(pmt.principal)
loanAmount = loan.amount
amortization = Amortization(
loan=loan,
# dateReleased = loan.dateReleased + timezone.timedelta(days=1),
dateReleased=loan.dateReleased,
amortizationStatus=AmortizationStatus.objects.get(pk=1),
createdBy=CustomUser.objects.get(pk=1),
schedules=noOfPaymentSchedules,
cycle=cycle,
termDays=termDays,
)
amortization.save()
currentAmortization.amortizationItems.all()
# for i in range(int(noOfPaymentSchedules)):
i = 1
loanAmount = lastPayment.outStandingBalance
for amortizationItem in currentAmortization.amortizationItems.order_by(
"id").all():
print(currentAmortization.amortizationItems.all().count())
print("count")
print(amortizationItem.total)
print(paidItems)
print(i)
print("heres")
if i <= (paidItems):
print(loanAmount)
print("pasok")
amortizationItem.amortization = amortization
payments = amortizationItem.payments.all()
amortizationItem.pk = None
if i == (paidItems):
amortizationItem.principalBalance = loanAmount
# amortizationItem.total = lastPayment.total - ( lastPayment.additionalInterest + lastPayment.penalty )
# amortizationItem.days = lastPayment.days
amortizationItem.days = cycle
amortizationItem.schedule = schedule
# amortizationItem.principal = lastPayment.principal
# amortizationItem.interest = lastPayment.interest
amortizationItem.daysExceed = lastPayment.daysExceed
amortizationItem.daysAdvanced = lastPayment.daysAdvanced
amortizationItem.additionalInterest = lastPayment.additionalInterest
amortizationItem.penalty = lastPayment.penalty
lastCheck = amortizationItem.getPDC()
print(lastCheck)
if lastCheck:
lastCheck.amortizationItem = amortizationItem
lastCheck.save()
# print(lastPayment.balance)
# if lastPayment.balance > 0:
# print(lastPayment.balance)
# print("balance2")
# amortizationItem.amortizationStatus = AmortizationStatus.objects.get(pk=3) #partial
# amortizationItem.principal = lastPayment.balance
# amortizationItem.interest = principalBalance * (loan.interestRate.interestRate/100) * loan.term.paymentPeriod.paymentCycle/360
amortizationItem.save()
lastPayment.amortizationItem = amortizationItem
lastPayment.save()
for payment in payments:
payment.amortizationItem = amortizationItem
payment.save()
# schedule = lastPayment.datePayment
else:
if loanAmount > 0:
pmt = pmt.getPayment(
loanAmount,
loan.interestRate.interestRate,
termDays,
noOfPaymentSchedules,
noOfPaymentSchedules - (i - 1),
)
lastPayment = schedule - timezone.timedelta(days=cycle)
dayTillCutOff = cycle - int(lastPayment.strftime("%d"))
accruedInterest = (int(pmt.principal)) * (
loan.interestRate.interestRate / 100) * dayTillCutOff / 360
amortizationItem = AmortizationItem(
schedule=schedule,
amortization=amortization,
days=cycle,
principal=pmt.principal,
deductAccruedInterest=pmt.interest - accruedInterest,
accruedInterest=accruedInterest,
interest=pmt.interest,
additionalInterest=0,
penalty=0,
vat=0,
total=pmt.payment,
principalBalance=pmt.nextStartingValue,
amortizationStatus=AmortizationStatus.objects.get(pk=1),
)
amortizationItem.save()
loanAmount = pmt.nextStartingValue
else:
amortizationItem = AmortizationItem(
schedule=schedule,
amortization=amortization,
days=cycle,
principal=0,
accruedInterest=0,
deductAccruedInterest=0,
interest=0,
vat=0,
total=0,
principalBalance=0,
amortizationStatus=AmortizationStatus.objects.get(pk=1),
)
amortizationItem.save()
schedule = schedule + timezone.timedelta(days=cycle)
i = i + 1