loan_creator 0.7.1 → 0.8.0

checksums.yaml

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

@@ -1,3 +1,19 @@
+v0.8.0
+-------------------------
+
+### FEATURE
+- due interests to date are now store into `due_interests_` columns for `LoanCreator::UncapitalizedBullet`
+
+### BUGFIX
+- fix `initial_values` not taking `paid_capital` and `paid_interests` into account for `LoanCreator::UncapitalizedBullet`
+  and `LoanCreator::Bullet`
+
+### BREAKING CHANGES
+- rename columns `capitalized_interests_beginning_of_period` and `capitalized_interests_end_of_period` for
+  `due_interests_beginning_of_period` and `due_interests_end_of_period`
+- rename `capitalized_interests` option in `:inital_values` into `due_interests`
+
+
 v0.7.1
 -------------------------
 

data/README.md

@@ -57,7 +57,7 @@ Initial values must be a hash with specific keys, like so:
     paid_interests: 11000.0,
     accrued_delta_interests: 0,
     starting_index: 2,
-    capitalized_interests: 0
+    due_interests: 0
 }
 ```
 
@@ -148,9 +148,11 @@ Capital share shall be repaid in full at loan's end.
 `Bullet` loan generates terms where terms' payments are zero. \
 Interests are capitalized, i.e. added to the borrowed capital on each term.\
 Capital share shall be repaid in full and all interests paid at loan's end.
+N.b.: Due capitalized interests to date are stored into terms under `due_intesrests_` columns
 
 `UncapitalizedBullet` same as bullet, the only difference is the interests\
 are NOT capitalized.
+N.b.: Due interests to date are stored into terms under `due_intesrests_` columns
 
 There is no deferred time for `InFine` and `Bullet` loans as it would be equivalent to increasing loan's duration.
 

data/lib/loan_creator/borrower_timetable.rb

@@ -7,8 +7,8 @@ module LoanCreator
       :period_capital,
       :total_paid_capital_end_of_period,
       :total_paid_interests_end_of_period,
-      :capitalized_interests_beginning_of_period,
-      :capitalized_interests_end_of_period,
+      :due_interests_beginning_of_period,
+      :due_interests_end_of_period,
       :period_amount_to_pay
     ].freeze
 

data/lib/loan_creator/bullet.rb

@@ -16,23 +16,23 @@ module LoanCreator
     private
 
     def compute_last_term
-      @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
+      @crd_end_of_period                  = bigd('0')
+      @due_interests_beginning_of_period  = @due_interests_end_of_period
+      @period_interests                   = @due_interests_end_of_period + compute_capitalized_interests
+      @due_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
-      (amount + @capitalized_interests_beginning_of_period).mult(periodic_interests_rate, BIG_DECIMAL_DIGITS)
+      (amount + @due_interests_beginning_of_period).mult(periodic_interests_rate, BIG_DECIMAL_DIGITS)
     end
 
     def compute_term(timetable)
-      @capitalized_interests_beginning_of_period = @capitalized_interests_end_of_period
-      @capitalized_interests_end_of_period += compute_capitalized_interests
+      @due_interests_beginning_of_period = @due_interests_end_of_period
+      @due_interests_end_of_period += compute_capitalized_interests
       timetable << current_term
     end
   end

data/lib/loan_creator/common.rb

@@ -110,45 +110,43 @@ 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
+      (@due_interests_beginning_of_period  = bigd(initial_values[:due_interests] || 0))
     end
 
     def reset_current_term
-      @accrued_delta_interests ||= bigd('0')
-      @total_paid_capital_end_of_period ||= bigd('0')
+      @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
+      @due_interests_beginning_of_period  ||= bigd('0')
+      @crd_beginning_of_period            =   bigd('0')
+      @crd_end_of_period                  =   bigd('0')
+      @period_theoric_interests           =   bigd('0')
+      @due_interests_end_of_period        =   @due_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_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
+        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,
+        due_interests_beginning_of_period:  @due_interests_beginning_of_period,
+        due_interests_end_of_period:        @due_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

@@ -17,11 +17,11 @@ module LoanCreator
       # Accrued interests' delta
       :accrued_delta_interests,
 
-      # Capitalized interests at the beginning of the term (Bullet only)
-      :capitalized_interests_beginning_of_period,
+      # Due interests at the beginning of the term (Bullet and UncapitalizedBullet only)
+      :due_interests_beginning_of_period,
 
-      # Capitalized interests at the end of the term (Bullet only)
-      :capitalized_interests_end_of_period,
+      # Due interests at the end of the term (Bullet and UncapitalizedBullet only)
+      :due_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/uncapitalized_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 { timetable << current_term }
+      (duration_in_periods - 1).times { |period| compute_term(timetable) }
       compute_last_term
       timetable << current_term
       timetable
@@ -16,19 +16,24 @@ module LoanCreator
     private
 
     def compute_last_term
-      @crd_end_of_period = bigd('0')
-      @period_interests = total_interests
-      @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
+      @crd_end_of_period                  =  bigd('0')
+      @due_interests_beginning_of_period  =  @due_interests_end_of_period
+      @period_interests                   =  @due_interests_end_of_period + compute_interests
+      @due_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 total_interests
-      amount.mult(
-        bigd(periodic_interests_rate) * bigd(duration_in_periods),
-        BIG_DECIMAL_DIGITS
-      )
+    def compute_interests
+      amount.mult(bigd(periodic_interests_rate), BIG_DECIMAL_DIGITS)
+    end
+
+    def compute_term(timetable)
+      @due_interests_beginning_of_period = @due_interests_end_of_period
+      @due_interests_end_of_period += compute_interests
+      timetable << current_term
     end
   end
 end

data/lib/loan_creator/version.rb

@@ -1,3 +1,3 @@
 module LoanCreator
-  VERSION = '0.7.1'.freeze
+  VERSION = '0.8.0'.freeze
 end

metadata

@@ -1,7 +1,7 @@
 --- !ruby/object:Gem::Specification
 name: loan_creator
 version: !ruby/object:Gem::Version
-  version: 0.7.1
+  version: 0.8.0
 platform: ruby
 authors:
 - thibaulth
@@ -9,10 +9,10 @@ authors:
 - younes.serraj
 - Antoine Becquet
 - Jerome Drevet
-autorequire: 
+autorequire:
 bindir: exe
 cert_chain: []
-date: 2021-01-11 00:00:00.000000000 Z
+date: 2021-02-23 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler
@@ -112,7 +112,7 @@ dependencies:
     - - ">="
       - !ruby/object:Gem::Version
         version: '0'
-description: 
+description:
 email:
 - thibault@capsens.eu
 - nicolas.besnard@capsens.eu
@@ -157,7 +157,7 @@ homepage: https://github.com/CapSens/loan-creator
 licenses:
 - MIT
 metadata: {}
-post_install_message: 
+post_install_message:
 rdoc_options: []
 require_paths:
 - lib
@@ -173,7 +173,7 @@ required_rubygems_version: !ruby/object:Gem::Requirement
       version: '0'
 requirements: []
 rubygems_version: 3.1.2
-signing_key: 
+signing_key:
 specification_version: 4
 summary: Create and update timetables from input data
 test_files: []