loan_creator 0.6.3.1 → 0.7.0

checksums.yaml

@@ -1,7 +1,7 @@
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data/CHANGELOG.md

@@ -1,3 +1,10 @@
+v0.7.0
+-------------------------
+
+- change `capitalized_interests` for `capitalized_interests_beginning_of_period`
+  and `capitalized_interests_end_of_period` in `LoanCreator::Term`
+- add `capitalized_interests` in `:inital_values` for `LoanCreator::Bullet` loans
+
 v0.6.2
 -------------------------
 

data/lib/loan_creator/bullet.rb

@@ -7,7 +7,7 @@ module LoanCreator
       reset_current_term
       @crd_beginning_of_period = amount
       @crd_end_of_period = amount
-      (duration_in_periods - 1).times { |period| compute_term(timetable, period + 1) }
+      (duration_in_periods - 1).times { |period| compute_term(timetable) }
       compute_last_term
       timetable << current_term
       timetable
@@ -16,21 +16,23 @@ module LoanCreator
     private
 
     def compute_last_term
-      @crd_end_of_period                  = bigd('0')
-      @period_interests                   = compute_capitalized_interests(duration_in_periods)
-      @period_capital                     = @crd_beginning_of_period
-      @total_paid_capital_end_of_period   = @period_capital
-      @total_paid_interests_end_of_period = @period_interests
-      @period_amount_to_pay               = @period_capital + @period_interests
-      @capitalized_interests              = compute_capitalized_interests(duration_in_periods)
+      @crd_end_of_period                         = bigd('0')
+      @capitalized_interests_beginning_of_period = @capitalized_interests_end_of_period
+      @period_interests                          = @capitalized_interests_end_of_period + compute_capitalized_interests
+      @capitalized_interests_end_of_period       = 0
+      @period_capital                            = @crd_beginning_of_period
+      @total_paid_capital_end_of_period          = @period_capital
+      @total_paid_interests_end_of_period        = @period_interests
+      @period_amount_to_pay                      = @period_capital + @period_interests
     end
 
-    def compute_capitalized_interests(period)
-      amount.mult((bigd(1) + periodic_interests_rate) ** period, BIG_DECIMAL_DIGITS) - amount
+    def compute_capitalized_interests
+      (amount + @capitalized_interests_beginning_of_period).mult(periodic_interests_rate, BIG_DECIMAL_DIGITS)
     end
 
-    def compute_term(timetable, period)
-      @capitalized_interests = compute_capitalized_interests(period)
+    def compute_term(timetable)
+      @capitalized_interests_beginning_of_period = @capitalized_interests_end_of_period
+      @capitalized_interests_end_of_period += compute_capitalized_interests
       timetable << current_term
     end
   end

data/lib/loan_creator/common.rb

@@ -110,40 +110,45 @@ module LoanCreator
       (@total_paid_capital_end_of_period   = bigd(initial_values[:paid_capital]))
       (@total_paid_interests_end_of_period = bigd(initial_values[:paid_interests]))
       (@accrued_delta_interests            = bigd(initial_values[:accrued_delta_interests]))
+      if self.is_a?(LoanCreator::Bullet)
+        (@capitalized_interests_beginning_of_period = bigd(initial_values[:capitalized_interests] || 0))
+      end
     end
 
     def reset_current_term
-      @crd_beginning_of_period            = bigd('0')
-      @crd_end_of_period                  = bigd('0')
-      @period_theoric_interests           = bigd('0')
-      @capitalized_interests              = bigd('0')
-      @delta_interests                    = bigd('0')
-      @accrued_delta_interests            = @accrued_delta_interests || bigd('0')
-      @amount_to_add                      = bigd('0')
-      @period_interests                   = bigd('0')
-      @period_capital                     = bigd('0')
-      @total_paid_capital_end_of_period   = @total_paid_capital_end_of_period || bigd('0')
-      @total_paid_interests_end_of_period = @total_paid_interests_end_of_period || bigd('0')
-      @period_amount_to_pay               = bigd('0')
-      @due_on                             = nil
+      @accrued_delta_interests ||= bigd('0')
+      @total_paid_capital_end_of_period ||= bigd('0')
+      @total_paid_interests_end_of_period ||= bigd('0')
+      @capitalized_interests_beginning_of_period ||= bigd('0')
+      @crd_beginning_of_period                   = bigd('0')
+      @crd_end_of_period                         = bigd('0')
+      @period_theoric_interests                  = bigd('0')
+      @capitalized_interests_end_of_period       = @capitalized_interests_beginning_of_period
+      @delta_interests                           = bigd('0')
+      @amount_to_add                             = bigd('0')
+      @period_interests                          = bigd('0')
+      @period_capital                            = bigd('0')
+      @period_amount_to_pay                      = bigd('0')
+      @due_on                                    = nil
     end
 
     def current_term
       LoanCreator::Term.new(
-        crd_beginning_of_period:            @crd_beginning_of_period,
-        crd_end_of_period:                  @crd_end_of_period,
-        period_theoric_interests:           @period_theoric_interests,
-        delta_interests:                    @delta_interests,
-        accrued_delta_interests:            @accrued_delta_interests,
-        capitalized_interests:              @capitalized_interests,
-        amount_to_add:                      @amount_to_add,
-        period_interests:                   @period_interests,
-        period_capital:                     @period_capital,
-        total_paid_capital_end_of_period:   @total_paid_capital_end_of_period,
-        total_paid_interests_end_of_period: @total_paid_interests_end_of_period,
-        period_amount_to_pay:               @period_amount_to_pay,
-        due_on:                             @due_on,
-        index:                              compute_index
+        crd_beginning_of_period:                   @crd_beginning_of_period,
+        crd_end_of_period:                         @crd_end_of_period,
+        period_theoric_interests:                  @period_theoric_interests,
+        delta_interests:                           @delta_interests,
+        accrued_delta_interests:                   @accrued_delta_interests,
+        capitalized_interests_beginning_of_period: @capitalized_interests_beginning_of_period,
+        capitalized_interests_end_of_period:       @capitalized_interests_end_of_period,
+        amount_to_add:                             @amount_to_add,
+        period_interests:                          @period_interests,
+        period_capital:                            @period_capital,
+        total_paid_capital_end_of_period:          @total_paid_capital_end_of_period,
+        total_paid_interests_end_of_period:        @total_paid_interests_end_of_period,
+        period_amount_to_pay:                      @period_amount_to_pay,
+        due_on:                                    @due_on,
+        index:                                     compute_index
       )
     end
 

data/lib/loan_creator/term.rb

@@ -17,8 +17,11 @@ module LoanCreator
       # Accrued interests' delta
       :accrued_delta_interests,
 
-      # Capitalized interests (Bullet only)
-      :capitalized_interests,
+      # Capitalized interests at the beginning of the term (Bullet only)
+      :capitalized_interests_beginning_of_period,
+
+      # Capitalized interests at the end of the term (Bullet only)
+      :capitalized_interests_end_of_period,
 
       # Adjustment of -0.01, 0 or +0.01 cent depending on accrued_delta_interests
       :amount_to_add,

data/lib/loan_creator/version.rb

@@ -1,3 +1,3 @@
 module LoanCreator
-  VERSION = '0.6.3.1'.freeze
+  VERSION = '0.7.0'.freeze
 end

metadata

@@ -1,7 +1,7 @@
 --- !ruby/object:Gem::Specification
 name: loan_creator
 version: !ruby/object:Gem::Version
-  version: 0.6.3.1
+  version: 0.7.0
 platform: ruby
 authors:
 - thibaulth
@@ -12,7 +12,7 @@ authors:
 autorequire: 
 bindir: exe
 cert_chain: []
-date: 2021-01-05 00:00:00.000000000 Z
+date: 2021-01-06 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler