blend_spreadsheet_loan_generator 0.1.13 → 0.1.18

checksums.yaml

@@ -1,7 +1,7 @@
 ---
 SHA256:
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-  data.tar.gz: cbef182d16b9ea12ab58fc088f9c2a3de502984e113473b56fdc4e2b7f9740dd
+  metadata.gz: 6f1bd528dfab34e5a542c71fb717a135514bcd836c514459aa3cd48370d8c6ce
+  data.tar.gz: 158fd28b4211df4ba3bc97b9fb79aa585267e2fb430974454f81780e3582c0aa
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+  data.tar.gz: e88f0c3853586ecbc59cdbc0c255543dc19816e1873f35b3242bb6701f4aeef5b9a9a0dce4335efbfb6f5af0bdd3861c68931fcc10c54a66e56500a7db8cb212

data/lib/blend_spreadsheet_loan_generator/concerns/csv_concern.rb

@@ -27,3 +27,24 @@ module BlendSpreadsheetLoanGenerator
     end
   end
 end
+
+
+def generate_csv(data:, name:)
+  CSV.open(name, 'wb') do |csv|
+    data.each do |datum|
+      row = []
+      datum.each.with_index do |value, index|
+        row << (
+          if index == 0
+            value.to_i
+          elsif index == 1
+            Date.parse(value).strftime('%m/%d/%Y')
+          else
+            value.gsub(',', '.').to_f
+          end
+        )
+      end
+      csv << row
+    end
+  end
+end

data/lib/blend_spreadsheet_loan_generator/concerns/spreadsheet_concern.rb

@@ -3,7 +3,7 @@ module BlendSpreadsheetLoanGenerator
     extend ActiveSupport::Concern
 
     included do
-      
+
       def columns
         %w[
           index

data/lib/blend_spreadsheet_loan_generator/early_repay.rb

@@ -12,6 +12,8 @@ module BlendSpreadsheetLoanGenerator
     argument :from_path, type: :string, required: true, desc: 'csv to restructure'
     argument :rate, type: :float, required: true, desc: 'year rate post restructuration'
 
+    option :guaranteed_terms, type: :integer, default: 0
+    option :duration, type: :integer, desc: 'duration'
     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'
@@ -42,6 +44,14 @@ module BlendSpreadsheetLoanGenerator
       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 }
+      guaranteed_line = values.index { |term| term[:index] == options.fetch(:guaranteed_terms, nil) } || nil
+      total_guaranteed_interests = (
+        if guaranteed_line.present? && guaranteed_line > last_paid_line
+          values[(last_paid_line + 1)..guaranteed_line].sum { |value| value[:period_calculated_interests] }
+        else
+          0
+        end
+      )
 
       total_to_be_paid = (
         values[last_paid_line + 1][:remaining_capital_start] +
@@ -54,19 +64,21 @@ module BlendSpreadsheetLoanGenerator
         if total_to_be_paid == amount_paid
           1
         else
-          values.last[:index] - values[last_paid_line][:index]
+          options.fetch(:duration, values.last[:index] - values[last_paid_line][:index])
         end
       )
 
-      starting_capitalized_interests = 0.0
-      starting_capitalized_fees = 0.0
-
       due_on = values[last_paid_line + 1][:due_on] + 1.month
 
       capital_paid = amount_paid.to_f - (
         values[last_paid_line + 1][:capitalized_interests_start] +
         values[last_paid_line + 1][:capitalized_fees_start]
       )
+      guaranteed_interests_paid = (
+        (capital_paid.to_f / values[last_paid_line + 1][:remaining_capital_start]) *
+        total_guaranteed_interests
+      )
+      capital_paid -= guaranteed_interests_paid
 
       @loan = Loan.new(
         amount: values[last_paid_line][:remaining_capital_end],
@@ -79,8 +91,8 @@ module BlendSpreadsheetLoanGenerator
         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
+        starting_capitalized_interests: 0.0,
+        starting_capitalized_fees: 0.0
       )
 
       spreadsheet = session.create_spreadsheet(loan.name)
@@ -97,7 +109,7 @@ module BlendSpreadsheetLoanGenerator
         "=#{excel_float(values[last_paid_line][:remaining_capital_end])} - #{period_capital(2)}"
 
       worksheet[2, columns.index('period_interests') + 1] =
-        "=ARRONDI(#{period_theoric_interests(2)}; 2)"
+        "=ARRONDI(#{period_theoric_interests(2)} + #{excel_float(guaranteed_interests_paid)}; 2)"
 
       worksheet[2, columns.index('period_theoric_interests') + 1] =
         "=#{excel_float(values[last_paid_line + 1][:period_calculated_interests])}"

data/lib/blend_spreadsheet_loan_generator/realistic_interests.rb

@@ -11,7 +11,6 @@ module BlendSpreadsheetLoanGenerator
       "=#{excel_float(loan.rate)} * ((#{period_leap_days(line)} / 366) + (#{period_non_leap_days(line)} / 365))"
     end
 
-
     def period_fees_rate_formula(line:)
       "=#{excel_float(loan.fees_rate)} * ((#{period_leap_days(line)} / 366) + (#{period_non_leap_days(line)} / 365))"
     end

data/lib/blend_spreadsheet_loan_generator/version.rb

@@ -1,7 +1,7 @@
 require 'dry/cli'
 
 module BlendSpreadsheetLoanGenerator
-  VERSION = '0.1.13'
+  VERSION = '0.1.18'.freeze
 
   class Version < Dry::CLI::Command
     desc 'Print version'

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: blend_spreadsheet_loan_generator
 version: !ruby/object:Gem::Version
-  version: 0.1.13
+  version: 0.1.18
 platform: ruby
 authors:
 - MZiserman
 autorequire: 
 bindir: exe
 cert_chain: []
-date: 2021-05-21 00:00:00.000000000 Z
+date: 2021-07-09 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: activesupport