lendmarket 0.0.1
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- checksums.yaml +7 -0
- data/.gitignore +15 -0
- data/Gemfile +3 -0
- data/LICENSE.txt +22 -0
- data/README.md +32 -0
- data/Rakefile +2 -0
- data/bin/lendmarket +38 -0
- data/data/market.csv +8 -0
- data/lendmarket.gemspec +24 -0
- data/lib/lendmarket/csv_tools.rb +14 -0
- data/lib/lendmarket/exceptions.rb +10 -0
- data/lib/lendmarket/formulas.rb +39 -0
- data/lib/lendmarket/version.rb +3 -0
- data/lib/lendmarket.rb +75 -0
- data/spec/csv_to_hash_spec.rb +21 -0
- data/spec/lendmarket_spec.rb +81 -0
- data/spec/spec_helper.rb +10 -0
- metadata +107 -0
checksums.yaml
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---
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SHA1:
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metadata.gz: 1926912dc91c179a7e7a5f6555db75f9545bdece
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data.tar.gz: 55da7b97250421df1ded582ca55abb60d3c4a5cd
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SHA512:
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metadata.gz: b44b63893c7ea702d1509bb2136854bf36e67dbe871f9eba00e6b566b9d3e29657a3e1663c5419856ae53a945af05acce382728cd1bfc63615d95fc4aff22d75
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data.tar.gz: ab8bde85183e038c9bf64c6af947a4ddf5b27f8fa0e6d2f9bba366f1844bc26557c9ebcbad5adbb203f274cb7d8b1ca6f0b4ba8488467b72fe1a7680bb175ff5
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data/.gitignore
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data/Gemfile
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data/LICENSE.txt
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Copyright (c) 2015 Valters Krontals
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MIT License
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Permission is hereby granted, free of charge, to any person obtaining
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a copy of this software and associated documentation files (the
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"Software"), to deal in the Software without restriction, including
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without limitation the rights to use, copy, modify, merge, publish,
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distribute, sublicense, and/or sell copies of the Software, and to
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permit persons to whom the Software is furnished to do so, subject to
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the following conditions:
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The above copyright notice and this permission notice shall be
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included in all copies or substantial portions of the Software.
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THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
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EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
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MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
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NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE
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LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION
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OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION
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WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
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data/README.md
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# Lendmarket
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TODO: Write a gem description
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## Installation
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Add this line to your application's Gemfile:
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```ruby
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gem 'lendmarket'
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```
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And then execute:
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$ bundle
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Or install it yourself as:
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$ gem install lendmarket
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## Usage
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$ lendmarket [market.csv] [loan_amount]
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## Contributing
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1. Fork it ( https://github.com/[my-github-username]/lendmarket/fork )
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2. Create your feature branch (`git checkout -b my-new-feature`)
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3. Commit your changes (`git commit -am 'Add some feature'`)
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4. Push to the branch (`git push origin my-new-feature`)
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5. Create a new Pull Request
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data/Rakefile
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data/bin/lendmarket
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#!/usr/bin/env ruby
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require 'lendmarket'
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require 'csv_tools'
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TERM = 36
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class NoMarketFile < StandardError; end
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begin
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raise NoMarketFile if ARGV[0].nil?
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csv_data = File.read(ARGV[0])
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markets_hash = Lendmarket::CSVTools.csv_to_hash csv_data
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quote = Lendmarket::Quote.new({ amount: ARGV[1].to_i, term: TERM, markets: markets_hash }).calc
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puts "Requested amount: £%d" % quote[:requested_amount]
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puts "Rate: %.1f%" % quote[:rate]
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puts "Monthly repayment: £%.2f" % quote[:monthly_repayment]
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puts "Total repayment: £%.2f" % quote[:total_repayment]
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rescue Errno::ENOENT
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puts 'Markets file not found, check the path and try again'
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rescue Lendmarket::NotEnoughMoney
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puts 'Sorry, it is not possible to provide a quote at this time'
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rescue Lendmarket::InvalidAmount
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valid_amount_txt = Lendmarket::Quote::VALID_AMOUNT.minmax.join(' and ')
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puts 'The seleced loan amount is not valid'
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puts "You must choose an amount between #{ valid_amount_txt } in 100 increments"
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rescue NoMarketFile
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puts 'You must provide a markets file'
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ensure
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puts "\n\nusage: lendmarket [market.csv] [loan_amount]"
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end
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data/data/market.csv
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data/lendmarket.gemspec
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# coding: utf-8
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lib = File.expand_path('../lib', __FILE__)
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$LOAD_PATH.unshift(lib) unless $LOAD_PATH.include?(lib)
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require 'lendmarket/version'
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Gem::Specification.new do |spec|
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spec.name = "lendmarket"
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spec.version = Lendmarket::VERSION
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spec.authors = ["Valters Krontals"]
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spec.email = ["v.krontals@gmail.com"]
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spec.summary = %q{Command line tool to get the best rate}
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spec.description = %q{Get the best rate from lenders}
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spec.homepage = "https://github.com/vkrontals/lendmarket"
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spec.license = "MIT"
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spec.files = `git ls-files -z`.split("\x0")
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spec.executables = ['lendmarket']
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spec.test_files = spec.files.grep(%r{^(test|spec|features)/})
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spec.require_paths = ["lib", "lib/lendmarket"]
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spec.add_development_dependency "bundler", "~> 1.7"
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spec.add_development_dependency "rake", "~> 10.0"
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spec.add_development_dependency "rspec", "~> 3.3"
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end
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require 'csv'
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module Lendmarket
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module CSVTools
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def self.csv_to_hash(csv_data)
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csv_data = CSV.parse(csv_data, { converters: :numeric })
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keys = csv_data.shift.map{ |x| x.downcase.to_sym }
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csv_data.map {|a| Hash[ keys.zip(a.map{ |x| x })] }
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end
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end
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end
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module Excel
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module Formulas
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def pmt(rate, nper, pv, fv=0, type=0)
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((-pv * pvif(rate, nper) - fv ) / ((1.0 + rate * type) * fvifa(rate, nper)))
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end
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def ipmt(rate, per, nper, pv, fv=0, type=0)
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p = pmt(rate, nper, pv, fv, 0);
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ip = -(pv * pow1p(rate, per - 1) * rate + p * pow1pm1(rate, per - 1))
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(type == 0) ? ip : ip / (1 + rate)
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end
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def ppmt(rate, per, nper, pv, fv=0, type=0)
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p = pmt(rate, nper, pv, fv, type)
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ip = ipmt(rate, per, nper, pv, fv, type)
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p - ip
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end
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protected
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def pow1pm1(x, y)
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(x <= -1) ? ((1 + x) ** y) - 1 : Math.exp(y * Math.log(1.0 + x)) - 1
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end
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def pow1p(x, y)
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(x.abs > 0.5) ? ((1 + x) ** y) : Math.exp(y * Math.log(1.0 + x))
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end
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def pvif(rate, nper)
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pow1p(rate, nper)
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end
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def fvifa(rate, nper)
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(rate == 0) ? nper : pow1pm1(rate, nper) / rate
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end
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end
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end
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data/lib/lendmarket.rb
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require "lendmarket/version"
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require "lendmarket/exceptions"
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require "lendmarket/formulas"
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module Lendmarket
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class Quote
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include Excel::Formulas
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attr_reader :amount, :markets, :term
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VALID_AMOUNT = (1000..15000).step(100).to_a
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Market = Struct.new( :rate, :available)
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def initialize(args)
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raise Lendmarket::InvalidAmount unless VALID_AMOUNT.include?(args[:amount])
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@amount = args[:amount]
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@markets = marketify args[:markets]
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@term = args[:term]
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raise Lendmarket::NotEnoughMoney if amount > money_available
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end
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def calc
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{
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requested_amount: amount,
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rate: (rate * 100).round(1),
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monthly_repayment: monthly_repayment.round(2),
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total_repayment: total_repayment.round(2)
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}
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end
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private
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def total_repayment
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monthly_repayment * term
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end
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def rate
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val = sorted_markets
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.reduce([]) do |result, market|
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result << market if money_available(result) < amount
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result
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end
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val.reduce(0) { |sum, n| sum + n.rate } / val.length
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end
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def money_available(markets_array = markets)
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markets_array.reduce(0) { |sum, n| sum + n.available }
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end
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def monthly_repayment
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pmt(monthly_rate, term, -amount)
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end
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def monthly_rate
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(1 + rate) ** (1 / 12.0) - 1
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end
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def marketify(markets_array)
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markets_array.reduce([]) do |result, lender|
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(lender[:available].to_i / 10).times do
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result << Market.new(lender[:rate], 10)
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end
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result
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end
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end
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def sorted_markets
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markets.sort_by { |x| x[:rate] }
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end
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end
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end
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require 'spec_helper'
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require 'csv_tools'
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describe Lendmarket::CSVTools do
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let(:csv_data) {
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<<HERE
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Lender,Rate,Available
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Bob,0.075,640
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Jane,0.069,480
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HERE
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}
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describe '#csv_to_hash' do
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it 'converts a csv file to hash' do
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expect(Lendmarket::CSVTools.csv_to_hash(csv_data)).to eq(
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[{ lender: 'Bob', rate: 0.075, available: 640 },
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{ lender: 'Jane', rate: 0.069, available: 480 }])
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end
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end
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end
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require 'spec_helper'
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describe Lendmarket::Quote do
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let (:markets) {
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[
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{ lender: 'Bob' , rate: 0.075, available: 640 },
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{ lender: 'Jane' , rate: 0.069, available: 480 },
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{ lender: 'Fred' , rate: 0.071, available: 520 },
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{ lender: 'Mary' , rate: 0.104, available: 170 },
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{ lender: 'John' , rate: 0.081, available: 320 },
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{ lender: 'Dave' , rate: 0.074, available: 140 },
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{ lender: 'Angela', rate: 0.071, available: 60 }
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]
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}
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describe "#new" do
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it "raises exception if not enough money is available" do
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expect { Lendmarket::Quote.new({ amount: 15000, term: 36, markets: markets }) }
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.to raise_error Lendmarket::NotEnoughMoney
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end
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it "raises exception if amount is invalid" do
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[50, 110, -100, 16000, 'test', '@£$@'].each do |amount|
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expect { Lendmarket::Quote.new({ amount: amount, term: 36, markets: markets }) }
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.to raise_error Lendmarket::InvalidAmount
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end
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end
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end
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describe "#total_repayment" do
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let(:quote) { Lendmarket::Quote.new({ amount: 1000, term: 36, markets: markets }) }
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it { expect(quote.send :total_repayment).to be_within(0.01).of(1108.10) }
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end
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describe "#rate" do
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let(:quote) { Lendmarket::Quote.new({ amount: 1000, term: 36, markets: markets }) }
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it { expect(quote.send :rate).to be_within(0.01).of(0.07) }
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end
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describe "#monthly_repayment" do
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let(:quote) { Lendmarket::Quote.new({ amount: 1000, term: 36, markets: markets }) }
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it { expect(quote.send :monthly_repayment).to be_within(0.01).of(30.78) }
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end
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describe "#monthly_rate" do
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let(:quote) { Lendmarket::Quote.new({ amount: 1000, term: 36, markets: markets }) }
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it { expect(quote.send :monthly_rate).to be_within(0.001).of(0.005) }
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end
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describe "#marketify" do
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let(:quote) { Lendmarket::Quote.new({ amount: 1000, term: 36, markets: markets }) }
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it 'returns an array of markets' do
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marketified = quote.send:marketify, markets
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expect(marketified.length).to be(233)
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marketified.each do |m|
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expect(m.respond_to?(:rate)).to be true
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expect(m.respond_to?(:available)).to be true
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end
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end
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end
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describe "#money_available" do
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let(:quote) { Lendmarket::Quote.new({ amount: 1000, term: 36, markets: markets }) }
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77
|
+
|
78
|
+
it { expect(quote.send :money_available).to eq 2330 }
|
79
|
+
end
|
80
|
+
|
81
|
+
end
|
data/spec/spec_helper.rb
ADDED
metadata
ADDED
@@ -0,0 +1,107 @@
|
|
1
|
+
--- !ruby/object:Gem::Specification
|
2
|
+
name: lendmarket
|
3
|
+
version: !ruby/object:Gem::Version
|
4
|
+
version: 0.0.1
|
5
|
+
platform: ruby
|
6
|
+
authors:
|
7
|
+
- Valters Krontals
|
8
|
+
autorequire:
|
9
|
+
bindir: bin
|
10
|
+
cert_chain: []
|
11
|
+
date: 2015-11-27 00:00:00.000000000 Z
|
12
|
+
dependencies:
|
13
|
+
- !ruby/object:Gem::Dependency
|
14
|
+
name: bundler
|
15
|
+
requirement: !ruby/object:Gem::Requirement
|
16
|
+
requirements:
|
17
|
+
- - "~>"
|
18
|
+
- !ruby/object:Gem::Version
|
19
|
+
version: '1.7'
|
20
|
+
type: :development
|
21
|
+
prerelease: false
|
22
|
+
version_requirements: !ruby/object:Gem::Requirement
|
23
|
+
requirements:
|
24
|
+
- - "~>"
|
25
|
+
- !ruby/object:Gem::Version
|
26
|
+
version: '1.7'
|
27
|
+
- !ruby/object:Gem::Dependency
|
28
|
+
name: rake
|
29
|
+
requirement: !ruby/object:Gem::Requirement
|
30
|
+
requirements:
|
31
|
+
- - "~>"
|
32
|
+
- !ruby/object:Gem::Version
|
33
|
+
version: '10.0'
|
34
|
+
type: :development
|
35
|
+
prerelease: false
|
36
|
+
version_requirements: !ruby/object:Gem::Requirement
|
37
|
+
requirements:
|
38
|
+
- - "~>"
|
39
|
+
- !ruby/object:Gem::Version
|
40
|
+
version: '10.0'
|
41
|
+
- !ruby/object:Gem::Dependency
|
42
|
+
name: rspec
|
43
|
+
requirement: !ruby/object:Gem::Requirement
|
44
|
+
requirements:
|
45
|
+
- - "~>"
|
46
|
+
- !ruby/object:Gem::Version
|
47
|
+
version: '3.3'
|
48
|
+
type: :development
|
49
|
+
prerelease: false
|
50
|
+
version_requirements: !ruby/object:Gem::Requirement
|
51
|
+
requirements:
|
52
|
+
- - "~>"
|
53
|
+
- !ruby/object:Gem::Version
|
54
|
+
version: '3.3'
|
55
|
+
description: Get the best rate from lenders
|
56
|
+
email:
|
57
|
+
- v.krontals@gmail.com
|
58
|
+
executables:
|
59
|
+
- lendmarket
|
60
|
+
extensions: []
|
61
|
+
extra_rdoc_files: []
|
62
|
+
files:
|
63
|
+
- ".gitignore"
|
64
|
+
- Gemfile
|
65
|
+
- LICENSE.txt
|
66
|
+
- README.md
|
67
|
+
- Rakefile
|
68
|
+
- bin/lendmarket
|
69
|
+
- data/market.csv
|
70
|
+
- lendmarket.gemspec
|
71
|
+
- lib/lendmarket.rb
|
72
|
+
- lib/lendmarket/csv_tools.rb
|
73
|
+
- lib/lendmarket/exceptions.rb
|
74
|
+
- lib/lendmarket/formulas.rb
|
75
|
+
- lib/lendmarket/version.rb
|
76
|
+
- spec/csv_to_hash_spec.rb
|
77
|
+
- spec/lendmarket_spec.rb
|
78
|
+
- spec/spec_helper.rb
|
79
|
+
homepage: https://github.com/vkrontals/lendmarket
|
80
|
+
licenses:
|
81
|
+
- MIT
|
82
|
+
metadata: {}
|
83
|
+
post_install_message:
|
84
|
+
rdoc_options: []
|
85
|
+
require_paths:
|
86
|
+
- lib
|
87
|
+
- lib/lendmarket
|
88
|
+
required_ruby_version: !ruby/object:Gem::Requirement
|
89
|
+
requirements:
|
90
|
+
- - ">="
|
91
|
+
- !ruby/object:Gem::Version
|
92
|
+
version: '0'
|
93
|
+
required_rubygems_version: !ruby/object:Gem::Requirement
|
94
|
+
requirements:
|
95
|
+
- - ">="
|
96
|
+
- !ruby/object:Gem::Version
|
97
|
+
version: '0'
|
98
|
+
requirements: []
|
99
|
+
rubyforge_project:
|
100
|
+
rubygems_version: 2.2.2
|
101
|
+
signing_key:
|
102
|
+
specification_version: 4
|
103
|
+
summary: Command line tool to get the best rate
|
104
|
+
test_files:
|
105
|
+
- spec/csv_to_hash_spec.rb
|
106
|
+
- spec/lendmarket_spec.rb
|
107
|
+
- spec/spec_helper.rb
|