loan_creator 0.8.1 → 0.8.2

checksums.yaml

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

@@ -1,3 +1,8 @@
+v0.8.2
+-------------------------
+
+- manage initial value `due_interests` for Linear and InFine loan types
+
 v0.8.1
 -------------------------
 - add `realistic_durations` option

data/lib/loan_creator/common.rb

@@ -116,7 +116,8 @@ module LoanCreator
     end
 
     def set_initial_values
-      @starting_index  = initial_values[:starting_index] || 1
+      @starting_index         = initial_values[:starting_index] || 1
+      @initial_due_interests  = bigd(initial_values[:due_interests] || 0)
 
       return if initial_values.blank?
 
@@ -223,5 +224,9 @@ module LoanCreator
     def realistic_durations?
       !!@realistic_durations
     end
+
+    def compute_period_generated_interests(interests_rate)
+      (@crd_beginning_of_period + @due_interests_beginning_of_period).mult(interests_rate, BIG_DECIMAL_DIGITS)
+    end
   end
 end

data/lib/loan_creator/linear.rb

@@ -27,7 +27,8 @@ module LoanCreator
 
       # Reminder: CRD beginning of period = CRD end of period **of previous period**
       @crd_beginning_of_period = @crd_end_of_period
-      @period_theoric_interests = @crd_beginning_of_period * computed_periodic_interests_rate
+      @due_interests_beginning_of_period = @due_interests_end_of_period
+      @period_theoric_interests = period_theoric_interests(computed_periodic_interests_rate)
       @delta_interests = @period_theoric_interests - @period_theoric_interests.round(2)
       @accrued_delta_interests += @delta_interests
       @amount_to_add = bigd(
@@ -46,18 +47,44 @@ module LoanCreator
       @total_paid_interests_end_of_period += @period_interests
       @period_amount_to_pay = @period_interests + @period_capital
       @crd_end_of_period -= @period_capital
+      @due_interests_end_of_period -= reimbursed_due_interests
 
       current_term
     end
 
+    def period_theoric_interests(computed_periodic_interests_rate)
+      if @due_interests_beginning_of_period > 0
+        reimbursed_due_interests + compute_period_generated_interests(computed_periodic_interests_rate)
+      else
+        compute_period_generated_interests(computed_periodic_interests_rate)
+      end
+    end
+
     def period_capital
       if @last_period
         @crd_beginning_of_period
       elsif @deferred_period
         bigd(0)
+      elsif @due_interests_beginning_of_period > 0
+        compute_period_capital - reimbursed_due_interests
       else
-        (amount / (duration_in_periods - deferred_in_periods)).round(2)
+        compute_period_capital
       end
     end
+
+    def reimbursed_due_interests
+      if @deferred_period
+        bigd(0)
+      else
+        [
+          @due_interests_beginning_of_period,
+          compute_period_capital
+        ].min
+      end
+    end
+
+    def compute_period_capital
+      ((amount + @initial_due_interests) / (duration_in_periods - deferred_in_periods)).round(2)
+    end
   end
 end

data/lib/loan_creator/version.rb

@@ -1,3 +1,3 @@
 module LoanCreator
-  VERSION = '0.8.1'.freeze
+  VERSION = '0.8.2'.freeze
 end

data/loan_creator.gemspec

@@ -24,6 +24,8 @@ Gem::Specification.new do |spec|
   spec.add_development_dependency 'rspec', '~> 3.0'
   spec.add_development_dependency 'simplecov', '~> 0.16'
   spec.add_development_dependency 'byebug', '~> 11.0'
+  spec.add_development_dependency 'pry', '~> 0.13.1'
+  spec.add_development_dependency 'table_print', '~> 1.5'
 
   spec.add_runtime_dependency 'bigdecimal'
   spec.add_runtime_dependency 'activesupport'

metadata

@@ -1,7 +1,7 @@
 --- !ruby/object:Gem::Specification
 name: loan_creator
 version: !ruby/object:Gem::Version
-  version: 0.8.1
+  version: 0.8.2
 platform: ruby
 authors:
 - thibaulth
@@ -12,7 +12,7 @@ authors:
 autorequire:
 bindir: exe
 cert_chain: []
-date: 2021-04-02 00:00:00.000000000 Z
+date: 2021-05-05 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler
@@ -84,6 +84,34 @@ dependencies:
     - - "~>"
       - !ruby/object:Gem::Version
         version: '11.0'
+- !ruby/object:Gem::Dependency
+  name: pry
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: 0.13.1
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: 0.13.1
+- !ruby/object:Gem::Dependency
+  name: table_print
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '1.5'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '1.5'
 - !ruby/object:Gem::Dependency
   name: bigdecimal
   requirement: !ruby/object:Gem::Requirement