blend_spreadsheet_loan_generator 0.1.15 → 0.1.20

checksums.yaml

@@ -1,7 +1,7 @@
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data/exe/bslg

@@ -1,5 +1,4 @@
 #!/usr/bin/env ruby
 
 require_relative '../lib/blend_spreadsheet_loan_generator'
-
 Dry::CLI.new(BlendSpreadsheetLoanGenerator).call

data/lib/blend_spreadsheet_loan_generator/concerns/spreadsheet_concern.rb

@@ -3,7 +3,6 @@ module BlendSpreadsheetLoanGenerator
     extend ActiveSupport::Concern
 
     included do
-      
       def columns
         %w[
           index
@@ -33,6 +32,7 @@ module BlendSpreadsheetLoanGenerator
           capitalized_fees_end
           period_reimbursed_capitalized_fees
           period_fees_rate
+          period_reimbursed_guaranteed_interests
         ]
       end
 
@@ -53,6 +53,7 @@ module BlendSpreadsheetLoanGenerator
           capitalized_fees_start
           capitalized_fees_end
           period_reimbursed_capitalized_fees
+          period_reimbursed_guaranteed_interests
         ]
       end
 

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 :ratio, type: :float
     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'
@@ -43,6 +45,14 @@ 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, -1).to_i } || 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] +
@@ -59,15 +69,17 @@ module BlendSpreadsheetLoanGenerator
         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]
       )
+      ratio = options.fetch(:ratio, (capital_paid.to_f / values[last_paid_line + 1][:remaining_capital_start]))
+      guaranteed_interests_paid = (
+        ratio * total_guaranteed_interests
+      )
+      capital_paid -= guaranteed_interests_paid
 
       @loan = Loan.new(
         amount: values[last_paid_line][:remaining_capital_end],
@@ -80,8 +92,8 @@ 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)
@@ -125,6 +137,9 @@ module BlendSpreadsheetLoanGenerator
       worksheet[2, columns.index('period_reimbursed_capitalized_fees') + 1] =
         excel_float(values[last_paid_line + 1][:capitalized_fees_start])
 
+      worksheet[2, columns.index('period_reimbursed_guaranteed_interests') + 1] =
+        excel_float(guaranteed_interests_paid)
+
       apply_formats(worksheet: worksheet)
 
       worksheet.save
@@ -164,6 +179,7 @@ module BlendSpreadsheetLoanGenerator
       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[:period_reimbursed_guaranteed_interests] = h[:period_reimbursed_guaranteed_interests].to_f
 
       h
     end

data/lib/blend_spreadsheet_loan_generator/formula.rb

@@ -42,7 +42,9 @@ module BlendSpreadsheetLoanGenerator
         '+',
         period_interests(line),
         '+',
-        period_reimbursed_capitalized_interests(line)
+        period_reimbursed_capitalized_interests(line),
+        '+',
+        period_reimbursed_guaranteed_interests(line)
       ].join(' ')
       "=ARRONDI(#{total}; 2)"
     end
@@ -207,5 +209,9 @@ module BlendSpreadsheetLoanGenerator
     def period_fees_rate_formula(line:)
       @interests_formula.period_fees_rate_formula(line: line)
     end
+
+    def period_reimbursed_guaranteed_interests_formula(line:)
+      excel_float(0.0)
+    end
   end
 end

data/lib/blend_spreadsheet_loan_generator/version.rb

@@ -1,7 +1,7 @@
 require 'dry/cli'
 
 module BlendSpreadsheetLoanGenerator
-  VERSION = '0.1.15'.freeze
+  VERSION = '0.1.20'.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: 0.1.15
+  version: 0.1.20
 platform: ruby
 authors:
 - MZiserman
 autorequire: 
 bindir: exe
 cert_chain: []
-date: 2021-07-06 00:00:00.000000000 Z
+date: 2021-07-13 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: activesupport