blend_spreadsheet_loan_generator 0.1.0

data/lib/blend_spreadsheet_loan_generator/normal_interests.rb

@@ -0,0 +1,21 @@
+module BlendSpreadsheetLoanGenerator
+  class NormalInterests
+    include SpreadsheetConcern
+
+    attr_accessor :loan
+    def initialize(loan:)
+      @loan = loan
+    end
+
+    def period_rate_formula(*)
+      periods_per_year = excel_float(12.0 / loan.period_duration)
+      "=TAUX.NOMINAL(#{excel_float(loan.rate)};#{periods_per_year}) / #{periods_per_year}"
+    end
+
+
+    def period_fees_rate_formula(*)
+      periods_per_year = excel_float(12.0 / loan.period_duration)
+      "=TAUX.NOMINAL(#{excel_float(loan.fees_rate)};#{periods_per_year}) / #{periods_per_year}"
+    end
+  end
+end

data/lib/blend_spreadsheet_loan_generator/realistic_interests.rb

@@ -0,0 +1,19 @@
+module BlendSpreadsheetLoanGenerator
+  class RealisticInterests
+    include SpreadsheetConcern
+
+    attr_accessor :loan
+    def initialize(loan:)
+      @loan = loan
+    end
+
+    def period_rate_formula(line:)
+      "=#{excel_float(loan.rate)} * ((#{period_leap_days(line)} / 366) + (#{period_non_leap_days(line)} / 365))"
+    end
+
+
+    def period_fees_rate_formula(*)
+      "=#{excel_float(loan.fees_rate)} * ((#{period_leap_days(line)} / 366) + (#{period_non_leap_days(line)} / 365))"
+    end
+  end
+end

data/lib/blend_spreadsheet_loan_generator/restructure.rb

@@ -0,0 +1,121 @@
+module BlendSpreadsheetLoanGenerator
+  class Restructure < Dry::CLI::Command
+    include SpreadsheetConcern
+    include CsvConcern
+
+    attr_accessor :loan
+
+    desc "Generate spreadsheet"
+
+    argument :last_paid_term, type: :integer, required: true, desc: 'last paid term, restructuration starts at last_paid + 1'
+    argument :from_path, type: :string, required: true, desc: 'csv to restructure'
+    argument :duration, type: :float, required: true, desc: 'duration post restructuration'
+    argument :rate, type: :float, required: true, desc: 'year rate post restructuration'
+
+    option :period_duration, type: :integer, default: 1, desc: 'duration of a period in months'
+    option :due_on, type: :date, default: Date.today, desc: 'date of the pay day of the first period DD/MM/YYYY'
+    option :deferred_and_capitalized, type: :integer, default: 0, desc: 'periods with no capital or interests paid'
+    option :deferred, type: :integer, default: 0, desc: 'periods with only interests paid'
+    option :type, type: :string, default: 'standard', values: %w[standard linear], desc: 'type of amortization'
+    option :interests_type, type: :string, default: 'simple', values: %w[simple realistic normal], desc: 'type of interests calculations'
+    option :fees_rate, type: :float, default: 0.0, required: true, desc: 'year fees rate'
+    option :starting_capitalized_interests, type: :float, default: 0.0, desc: 'starting capitalized interests (if ongoing loan)'
+    option :starting_capitalized_fees, type: :float, default: 0.0, desc: 'starting capitalized fees (if ongoing loan)'
+    option :target_path, type: :string, default: './', desc: 'where to put the generated csv'
+
+    def call(last_paid_term:, from_path:, duration:, rate:, **options)
+      begin
+        session = GoogleDrive::Session.from_config(
+          File.join(ENV['SPREADSHEET_LOAN_GENERATOR_DIR'], 'config.json')
+        )
+      rescue StandardError => e
+        if ENV['SPREADSHEET_LOAN_GENERATOR_DIR'].blank?
+          puts 'please set SPREADSHEET_LOAN_GENERATOR_DIR'
+        else
+          puts 'Cannot connect to google drive. Did you run slg init CLIENT_ID CLIENT_SECRET ?'
+        end
+        return
+      end
+
+      f = CSV.open(from_path)
+      values = f.to_a
+      values.map! { |r| set_types([columns, r].transpose.to_h.with_indifferent_access) }
+
+      last_paid_line = values.index { |term| term[:index] == last_paid_term.to_i }
+
+      starting_capitalized_interests = (
+        values[last_paid_line + 1][:capitalized_interests_start] +
+        values[last_paid_line + 1][:period_calculated_interests]
+      )
+      starting_capitalized_fees = (
+        values[last_paid_line + 1][:capitalized_fees_start] +
+        values[last_paid_line + 1][:period_calculated_fees]
+      )
+
+      due_on = values[last_paid_line + 1] + 1.month
+
+      @loan = Loan.new(
+        amount: values[last_paid_line][:remaining_capital_end],
+        duration: duration,
+        rate: rate,
+        fees_rate: options.fetch(:fees_rate),
+        period_duration: options.fetch(:period_duration),
+        due_on: due_on,
+        deferred_and_capitalized: options.fetch(:deferred_and_capitalized),
+        deferred: options.fetch(:deferred),
+        type: options.fetch(:type),
+        interests_type: options.fetch(:interests_type),
+        starting_capitalized_interests: starting_capitalized_interests,
+        starting_capitalized_fees: starting_capitalized_fees
+      )
+
+      spreadsheet = session.create_spreadsheet(loan.name)
+      worksheet = spreadsheet.add_worksheet(loan.type, loan.duration + 2, columns.count + 1, index: 0)
+
+      @formula = Formula.new(loan: loan)
+
+      apply_formulas(worksheet: worksheet)
+      apply_formats(worksheet: worksheet)
+
+      worksheet.save
+      worksheet.reload
+
+      generate_csv(worksheet: worksheet, target_path: options.fetch(:target_path))
+
+      puts worksheet.human_url
+    end
+
+    def set_types(h)
+      h[:index] = h[:index].to_i
+
+      h[:due_on] = Date.strptime(h[:due_on], '%m/%d/%Y')
+      h[:remaining_capital_start] = h[:remaining_capital_start].to_f
+      h[:remaining_capital_end] = h[:remaining_capital_end].to_f
+      h[:period_theoric_interests] = h[:period_theoric_interests].to_f
+      h[:delta] = h[:delta].to_f
+      h[:accrued_delta] = h[:accrued_delta].to_f
+      h[:amount_to_add] = h[:amount_to_add].to_f
+      h[:period_interests] = h[:period_interests].to_f
+      h[:period_capital] = h[:period_capital].to_f
+      h[:total_paid_capital_end_of_period] = h[:total_paid_capital_end_of_period].to_f
+      h[:total_paid_interests_end_of_period] = h[:total_paid_interests_end_of_period].to_f
+      h[:period_total] = h[:period_total].to_f
+      h[:capitalized_interests_start] = h[:capitalized_interests_start].to_f
+      h[:capitalized_interests_end] = h[:capitalized_interests_end].to_f
+      h[:period_rate] = h[:period_rate].to_f
+      h[:period_calculated_capital] = h[:period_calculated_capital].to_f
+      h[:period_calculated_interests] = h[:period_calculated_interests].to_f
+      h[:period_reimbursed_capitalized_interests] = h[:period_reimbursed_capitalized_interests].to_f
+      h[:period_leap_days] = h[:period_leap_days].to_i
+      h[:period_non_leap_days] = h[:period_non_leap_days].to_i
+      h[:period_fees] = h[:period_fees].to_f
+      h[:period_calculated_fees] = h[:period_calculated_fees].to_f
+      h[:capitalized_fees_start] = h[:capitalized_fees_start].to_f
+      h[:capitalized_fees_end] = h[:capitalized_fees_end].to_f
+      h[:period_reimbursed_capitalized_fees] = h[:period_reimbursed_capitalized_fees].to_f
+      h[:period_fees_rate] = h[:period_fees_rate].to_f
+
+      h
+    end
+  end
+end

data/lib/blend_spreadsheet_loan_generator/simple_interests.rb

@@ -0,0 +1,18 @@
+module BlendSpreadsheetLoanGenerator
+  class SimpleInterests
+    include SpreadsheetConcern
+
+    attr_accessor :loan
+    def initialize(loan:)
+      @loan = loan
+    end
+
+    def period_rate_formula(*)
+      "=#{excel_float(loan.rate)} * #{loan.period_duration} / 12,0"
+    end
+
+    def period_fees_rate_formula(*)
+      "=#{excel_float(loan.fees_rate)} * #{loan.period_duration} / 12,0"
+    end
+  end
+end

data/lib/blend_spreadsheet_loan_generator/standard.rb

@@ -0,0 +1,25 @@
+module BlendSpreadsheetLoanGenerator
+  class Standard
+    include SpreadsheetConcern
+
+    attr_accessor :loan
+
+    def initialize(loan:)
+      @loan = loan
+    end
+
+    def period_calculated_capital_formula(line:)
+      amount =
+        if loan.deferred_and_capitalized.zero?
+          excel_float(loan.amount + loan.starting_capitalized_interests + loan.starting_capitalized_fees)
+        else
+          "#{capitalized_interests_end(loan.deferred_and_capitalized + 1)} + #{capitalized_fees_end(loan.deferred_and_capitalized + 1)} + #{excel_float(loan.amount)}"
+        end
+      term_cell = "#{index(line)} - #{loan.total_deferred_duration}"
+
+      params = "#{period_rate(line)};#{term_cell};#{loan.non_deferred_duration};#{amount}"
+      "=-PPMT(#{params})"
+    end
+  end
+end
+

data/lib/blend_spreadsheet_loan_generator/version.rb

@@ -0,0 +1,13 @@
+require 'dry/cli'
+
+module BlendSpreadsheetLoanGenerator
+  VERSION = '0.1.0'
+
+  class Version < Dry::CLI::Command
+    desc 'Print version'
+
+    def call(*)
+      puts VERSION
+    end
+  end
+end

metadata

@@ -0,0 +1,141 @@
+--- !ruby/object:Gem::Specification
+name: blend_spreadsheet_loan_generator
+version: !ruby/object:Gem::Version
+  version: 0.1.0
+platform: ruby
+authors:
+- MZiserman
+autorequire: 
+bindir: exe
+cert_chain: []
+date: 2021-05-19 00:00:00.000000000 Z
+dependencies:
+- !ruby/object:Gem::Dependency
+  name: activesupport
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: csv
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: dry-cli
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - '='
+      - !ruby/object:Gem::Version
+        version: '0.6'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - '='
+      - !ruby/object:Gem::Version
+        version: '0.6'
+- !ruby/object:Gem::Dependency
+  name: google_drive
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: pry
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+description: 
+email:
+- martinziserman@gmail.com
+executables:
+- bslg
+extensions: []
+extra_rdoc_files: []
+files:
+- ".gitignore"
+- ".rspec"
+- ".travis.yml"
+- Gemfile
+- README.md
+- Rakefile
+- bin/console
+- bin/setup
+- blend_spreadsheet_loan_generator.gemspec
+- exe/bslg
+- lib/blend_spreadsheet_loan_generator.rb
+- lib/blend_spreadsheet_loan_generator/concerns/csv_concern.rb
+- lib/blend_spreadsheet_loan_generator/concerns/spreadsheet_concern.rb
+- lib/blend_spreadsheet_loan_generator/early_repay.rb
+- lib/blend_spreadsheet_loan_generator/formula.rb
+- lib/blend_spreadsheet_loan_generator/generate.rb
+- lib/blend_spreadsheet_loan_generator/init.rb
+- lib/blend_spreadsheet_loan_generator/linear.rb
+- lib/blend_spreadsheet_loan_generator/loan.rb
+- lib/blend_spreadsheet_loan_generator/normal_interests.rb
+- lib/blend_spreadsheet_loan_generator/realistic_interests.rb
+- lib/blend_spreadsheet_loan_generator/restructure.rb
+- lib/blend_spreadsheet_loan_generator/simple_interests.rb
+- lib/blend_spreadsheet_loan_generator/standard.rb
+- lib/blend_spreadsheet_loan_generator/version.rb
+homepage: https://github.com/CapSens/blend_spreadsheet_loan_generator
+licenses: []
+metadata:
+  allowed_push_host: https://rubygems.org
+  homepage_uri: https://github.com/CapSens/blend_spreadsheet_loan_generator
+  source_code_uri: https://github.com/CapSens/blend_spreadsheet_loan_generator
+post_install_message: 
+rdoc_options: []
+require_paths:
+- lib
+required_ruby_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: 2.3.0
+required_rubygems_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: '0'
+requirements: []
+rubygems_version: 3.1.4
+signing_key: 
+specification_version: 4
+summary: Generate spreadsheets amortization schedules from the command line
+test_files: []