@novha/calc-engines 1.2.1 → 1.3.0

This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
@@ -48,4 +48,4 @@ class CanadaIncomeTaxServiceImpl {
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  }
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  }
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  exports.CanadaIncomeTaxServiceImpl = CanadaIncomeTaxServiceImpl;
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- //# 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+ //# 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@@ -1,3 +1,3 @@
1
1
  "use strict";
2
2
  Object.defineProperty(exports, "__esModule", { value: true });
3
- //# sourceMappingURL=data:application/json;base64,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
3
+ //# sourceMappingURL=data:application/json;base64,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
@@ -0,0 +1,3 @@
1
+ "use strict";
2
+ Object.defineProperty(exports, "__esModule", { value: true });
3
+ //# sourceMappingURL=data:application/json;base64,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
@@ -1,3 +1,3 @@
1
1
  "use strict";
2
2
  Object.defineProperty(exports, "__esModule", { value: true });
3
- //# sourceMappingURL=data:application/json;base64,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
3
+ //# sourceMappingURL=data:application/json;base64,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
package/dist/index.js CHANGED
@@ -19,5 +19,5 @@ var CanadaIncomeTaxServiceImpl_1 = require("./income-tax/canada/CanadaIncomeTaxS
19
19
  Object.defineProperty(exports, "CanadaIncomeTaxService", { enumerable: true, get: function () { return CanadaIncomeTaxServiceImpl_1.CanadaIncomeTaxServiceImpl; } });
20
20
  var FranceIncomeTaxServiceImpl_1 = require("./income-tax/france/FranceIncomeTaxServiceImpl");
21
21
  Object.defineProperty(exports, "FranceIncomeTaxService", { enumerable: true, get: function () { return FranceIncomeTaxServiceImpl_1.FranceIncomeTaxServiceImpl; } });
22
- __exportStar(require("./domain/types"), exports);
23
- //# sourceMappingURL=data:application/json;base64,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
22
+ __exportStar(require("./income-tax/domain/types"), exports);
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+ //# sourceMappingURL=data:application/json;base64,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
@@ -0,0 +1,3 @@
1
+ "use strict";
2
+ Object.defineProperty(exports, "__esModule", { value: true });
3
+ //# sourceMappingURL=data:application/json;base64,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
@@ -0,0 +1,82 @@
1
+ "use strict";
2
+ Object.defineProperty(exports, "__esModule", { value: true });
3
+ exports.CanadaMortgageServiceImpl = void 0;
4
+ class CanadaMortgageServiceImpl {
5
+ calculate(input, rules) {
6
+ const { propertyPrice, downPayment, interestRate, amortizationYears, paymentFrequency } = input;
7
+ /* -----------------------------
8
+ 1. Loan Amount & LTV
9
+ ------------------------------ */
10
+ const loanAmount = propertyPrice - downPayment;
11
+ if (loanAmount <= 0) {
12
+ throw new Error('Invalid loan amount');
13
+ }
14
+ const ltv = loanAmount / propertyPrice;
15
+ /* -----------------------------
16
+ 2. CMHC Insurance
17
+ ------------------------------ */
18
+ let insurancePremium = 0;
19
+ if (ltv > rules.mortgageInsurance.requiredBelowLtv) {
20
+ const premiumRule = rules.mortgageInsurance.premiumRates
21
+ .find(r => ltv <= r.maxLtv);
22
+ if (!premiumRule) {
23
+ throw new Error('LTV exceeds maximum insurable limit');
24
+ }
25
+ insurancePremium = loanAmount * premiumRule.rate;
26
+ }
27
+ const totalMortgage = rules.mortgageInsurance.premiumAddedToLoan
28
+ ? loanAmount + insurancePremium
29
+ : loanAmount;
30
+ /* -----------------------------
31
+ 3. Interest Rate Conversion
32
+ (Canada semi-annual compounding)
33
+ ------------------------------ */
34
+ const periodicRate = this.convertCanadianRate(interestRate, rules.interest.compounding, rules.paymentFrequencyRules[paymentFrequency].paymentsPerYear);
35
+ /* -----------------------------
36
+ 4. Payment Frequency
37
+ ------------------------------ */
38
+ const frequencyRule = rules.paymentFrequencyRules[paymentFrequency];
39
+ const paymentsPerYear = frequencyRule.paymentsPerYear;
40
+ const totalPayments = amortizationYears * paymentsPerYear;
41
+ /* -----------------------------
42
+ 5. Mortgage Payment Formula
43
+ P = L × [ r(1+r)^n ] / [ (1+r)^n − 1 ]
44
+ ------------------------------ */
45
+ const paymentAmount = this.calculatePayment(totalMortgage, periodicRate, totalPayments);
46
+ /* -----------------------------
47
+ 6. Totals
48
+ ------------------------------ */
49
+ const totalPaid = paymentAmount * totalPayments;
50
+ const totalInterestPaid = totalPaid - totalMortgage;
51
+ return {
52
+ loanAmount: loanAmount,
53
+ insurancePremium: insurancePremium,
54
+ totalMortgage: totalMortgage,
55
+ paymentAmount: paymentAmount,
56
+ totalInterestPaid: totalInterestPaid,
57
+ totalPaid: totalPaid
58
+ };
59
+ }
60
+ /* ======================================================
61
+ Helper Methods
62
+ ====================================================== */
63
+ convertCanadianRate(annualRate, compounding, paymentsPerYear) {
64
+ if (compounding !== 'SEMI_ANNUAL') {
65
+ throw new Error('Only Canadian semi-annual compounding supported');
66
+ }
67
+ // Canadian standard conversion
68
+ const semiAnnualRate = annualRate / 2;
69
+ const effectiveAnnualRate = Math.pow(1 + semiAnnualRate, 2) - 1;
70
+ return Math.pow(1 + effectiveAnnualRate, 1 / paymentsPerYear) - 1;
71
+ }
72
+ calculatePayment(principal, rate, periods) {
73
+ if (rate === 0) {
74
+ return principal / periods;
75
+ }
76
+ return principal *
77
+ (rate * Math.pow(1 + rate, periods)) /
78
+ (Math.pow(1 + rate, periods) - 1);
79
+ }
80
+ }
81
+ exports.CanadaMortgageServiceImpl = CanadaMortgageServiceImpl;
82
+ //# sourceMappingURL=data:application/json;base64,{"version":3,"file":"CanadaMortgageServiceImpl.js","sourceRoot":"","sources":["../../../src/mortgage/canada/CanadaMortgageServiceImpl.ts"],"names":[],"mappings":";;;AAOA,MAAa,yBAAyB;IAE7B,SAAS,CAAC,KAA+B,EAAE,KAAoB;QAEpE,MAAM,EACJ,aAAa,EACb,WAAW,EACX,YAAY,EACZ,iBAAiB,EACjB,gBAAgB,EACjB,GAAG,KAAK,CAAC;QAEV;;yCAEiC;QAEjC,MAAM,UAAU,GAAG,aAAa,GAAG,WAAW,CAAC;QAC/C,IAAI,UAAU,IAAI,CAAC,EAAE,CAAC;YACpB,MAAM,IAAI,KAAK,CAAC,qBAAqB,CAAC,CAAC;QACzC,CAAC;QAED,MAAM,GAAG,GAAG,UAAU,GAAG,aAAa,CAAC;QAEvC;;yCAEiC;QAEjC,IAAI,gBAAgB,GAAG,CAAC,CAAC;QAEzB,IAAI,GAAG,GAAG,KAAK,CAAC,iBAAiB,CAAC,gBAAgB,EAAE,CAAC;YACnD,MAAM,WAAW,GAAG,KAAK,CAAC,iBAAiB,CAAC,YAAY;iBACrD,IAAI,CAAC,CAAC,CAAC,EAAE,CAAC,GAAG,IAAI,CAAC,CAAC,MAAM,CAAC,CAAC;YAE9B,IAAI,CAAC,WAAW,EAAE,CAAC;gBACjB,MAAM,IAAI,KAAK,CAAC,qCAAqC,CAAC,CAAC;YACzD,CAAC;YAED,gBAAgB,GAAG,UAAU,GAAG,WAAW,CAAC,IAAI,CAAC;QACnD,CAAC;QAED,MAAM,aAAa,GAAG,KAAK,CAAC,iBAAiB,CAAC,kBAAkB;YAC9D,CAAC,CAAC,UAAU,GAAG,gBAAgB;YAC/B,CAAC,CAAC,UAAU,CAAC;QAEf;;;yCAGiC;QAEjC,MAAM,YAAY,GAAG,IAAI,CAAC,mBAAmB,CAC3C,YAAY,EACZ,KAAK,CAAC,QAAQ,CAAC,WAAW,EAC1B,KAAK,CAAC,qBAAqB,CAAC,gBAAgB,CAAC,CAAC,eAAe,CAC9D,CAAC;QAEF;;yCAEiC;QAEjC,MAAM,aAAa,GAAG,KAAK,CAAC,qBAAqB,CAAC,gBAAgB,CAAC,CAAC;QACpE,MAAM,eAAe,GAAG,aAAa,CAAC,eAAe,CAAC;QACtD,MAAM,aAAa,GAAG,iBAAiB,GAAG,eAAe,CAAC;QAE1D;;;yCAGiC;QAEjC,MAAM,aAAa,GAAG,IAAI,CAAC,gBAAgB,CACzC,aAAa,EACb,YAAY,EACZ,aAAa,CACd,CAAC;QAEF;;yCAEiC;QAEjC,MAAM,SAAS,GAAG,aAAa,GAAG,aAAa,CAAC;QAChD,MAAM,iBAAiB,GAAG,SAAS,GAAG,aAAa,CAAC;QAEpD,OAAO;YACL,UAAU,EAAE,UAAU;YACtB,gBAAgB,EAAE,gBAAgB;YAClC,aAAa,EAAE,aAAa;YAC5B,aAAa,EAAE,aAAa;YAC5B,iBAAiB,EAAE,iBAAiB;YACpC,SAAS,EAAE,SAAS;SACrB,CAAC;IACJ,CAAC;IAED;;6DAEyD;IAEjD,mBAAmB,CACzB,UAAkB,EAClB,WAAiD,EACjD,eAAuB;QAGvB,IAAI,WAAW,KAAK,aAAa,EAAE,CAAC;YAClC,MAAM,IAAI,KAAK,CAAC,iDAAiD,CAAC,CAAC;QACrE,CAAC;QAED,+BAA+B;QAC/B,MAAM,cAAc,GAAG,UAAU,GAAG,CAAC,CAAC;QACtC,MAAM,mBAAmB,GAAG,IAAI,CAAC,GAAG,CAAC,CAAC,GAAG,cAAc,EAAE,CAAC,CAAC,GAAG,CAAC,CAAC;QAEhE,OAAO,IAAI,CAAC,GAAG,CAAC,CAAC,GAAG,mBAAmB,EAAE,CAAC,GAAG,eAAe,CAAC,GAAG,CAAC,CAAC;IACpE,CAAC;IAEO,gBAAgB,CAAC,SAAiB,EAAE,IAAY,EAAE,OAAe;QACvE,IAAI,IAAI,KAAK,CAAC,EAAE,CAAC;YACf,OAAO,SAAS,GAAG,OAAO,CAAC;QAC7B,CAAC;QAED,OAAO,SAAS;YACd,CAAC,IAAI,GAAG,IAAI,CAAC,GAAG,CAAC,CAAC,GAAG,IAAI,EAAE,OAAO,CAAC,CAAC;YACpC,CAAC,IAAI,CAAC,GAAG,CAAC,CAAC,GAAG,IAAI,EAAE,OAAO,CAAC,GAAG,CAAC,CAAC,CAAC;IACtC,CAAC;CACF;AAzHD,8DAyHC","sourcesContent":["import { CanadaMortgageService } from './CanadaMortgageService';\nimport {\n  MortgageRules,\n  MortgageCalculationInput,\n  MortgageCalculationResult\n} from './domain/types';\n\nexport class CanadaMortgageServiceImpl implements CanadaMortgageService {\n\n  public calculate(input: MortgageCalculationInput, rules: MortgageRules): MortgageCalculationResult {\n\n    const {\n      propertyPrice,\n      downPayment,\n      interestRate,\n      amortizationYears,\n      paymentFrequency\n    } = input;\n\n    /* -----------------------------\n       1. Loan Amount & LTV\n    ------------------------------ */\n\n    const loanAmount = propertyPrice - downPayment;\n    if (loanAmount <= 0) {\n      throw new Error('Invalid loan amount');\n    }\n\n    const ltv = loanAmount / propertyPrice;\n\n    /* -----------------------------\n       2. CMHC Insurance\n    ------------------------------ */\n\n    let insurancePremium = 0;\n\n    if (ltv > rules.mortgageInsurance.requiredBelowLtv) {\n      const premiumRule = rules.mortgageInsurance.premiumRates\n        .find(r => ltv <= r.maxLtv);\n\n      if (!premiumRule) {\n        throw new Error('LTV exceeds maximum insurable limit');\n      }\n\n      insurancePremium = loanAmount * premiumRule.rate;\n    }\n\n    const totalMortgage = rules.mortgageInsurance.premiumAddedToLoan\n      ? loanAmount + insurancePremium\n      : loanAmount;\n\n    /* -----------------------------\n       3. Interest Rate Conversion\n       (Canada semi-annual compounding)\n    ------------------------------ */\n\n    const periodicRate = this.convertCanadianRate(\n      interestRate,\n      rules.interest.compounding,\n      rules.paymentFrequencyRules[paymentFrequency].paymentsPerYear\n    );\n\n    /* -----------------------------\n       4. Payment Frequency\n    ------------------------------ */\n\n    const frequencyRule = rules.paymentFrequencyRules[paymentFrequency];\n    const paymentsPerYear = frequencyRule.paymentsPerYear;\n    const totalPayments = amortizationYears * paymentsPerYear;\n\n    /* -----------------------------\n       5. Mortgage Payment Formula\n       P = L × [ r(1+r)^n ] / [ (1+r)^n − 1 ]\n    ------------------------------ */\n\n    const paymentAmount = this.calculatePayment(\n      totalMortgage,\n      periodicRate,\n      totalPayments\n    );\n\n    /* -----------------------------\n       6. Totals\n    ------------------------------ */\n\n    const totalPaid = paymentAmount * totalPayments;\n    const totalInterestPaid = totalPaid - totalMortgage;\n\n    return {\n      loanAmount: loanAmount,\n      insurancePremium: insurancePremium,\n      totalMortgage: totalMortgage,\n      paymentAmount: paymentAmount,\n      totalInterestPaid: totalInterestPaid,\n      totalPaid: totalPaid\n    };\n  }\n\n  /* ======================================================\n     Helper Methods\n  ====================================================== */\n\n  private convertCanadianRate(\n    annualRate: number,\n    compounding: 'SEMI_ANNUAL' | 'ANNUAL' | 'MONTHLY',\n    paymentsPerYear: number\n  ): number {\n\n    if (compounding !== 'SEMI_ANNUAL') {\n      throw new Error('Only Canadian semi-annual compounding supported');\n    }\n\n    // Canadian standard conversion\n    const semiAnnualRate = annualRate / 2;\n    const effectiveAnnualRate = Math.pow(1 + semiAnnualRate, 2) - 1;\n\n    return Math.pow(1 + effectiveAnnualRate, 1 / paymentsPerYear) - 1;\n  }\n\n  private calculatePayment(principal: number, rate: number, periods: number): number {\n    if (rate === 0) {\n      return principal / periods;\n    }\n\n    return principal *\n      (rate * Math.pow(1 + rate, periods)) /\n      (Math.pow(1 + rate, periods) - 1);\n  }\n}\n"]}
@@ -0,0 +1,3 @@
1
+ "use strict";
2
+ Object.defineProperty(exports, "__esModule", { value: true });
3
+ //# sourceMappingURL=data:application/json;base64,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
@@ -0,0 +1,10 @@
1
+ "use strict";
2
+ Object.defineProperty(exports, "__esModule", { value: true });
3
+ exports.CalculatorType = void 0;
4
+ var CalculatorType;
5
+ (function (CalculatorType) {
6
+ CalculatorType["INCOME_TAX"] = "INCOME_TAX";
7
+ CalculatorType["MORTGAGE"] = "MORTGAGE";
8
+ CalculatorType["LOAN"] = "LOAN";
9
+ })(CalculatorType || (exports.CalculatorType = CalculatorType = {}));
10
+ //# sourceMappingURL=data:application/json;base64,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
@@ -1,4 +1,4 @@
1
- import { TaxBracket } from "../../../domain/types";
1
+ import { TaxBracket } from "../../domain/types";
2
2
  export interface IncomeTaxRules {
3
3
  taxBrackets: TaxBracket[];
4
4
  credits?: Record<string, TaxCredit>;
@@ -0,0 +1,23 @@
1
+ import { RuleMeta } from "../../shared/domain/types";
2
+ export interface RuleInput {
3
+ name: string;
4
+ type: 'number' | 'select' | 'text';
5
+ required: boolean;
6
+ unit?: string;
7
+ }
8
+ export interface RuleOutput {
9
+ name: string;
10
+ type: 'number' | 'string';
11
+ unit?: string;
12
+ }
13
+ export interface TaxBracket {
14
+ from: number;
15
+ to: number | null;
16
+ rate: number;
17
+ }
18
+ export interface IncomeTaxCalculatorSchema<T> {
19
+ meta: RuleMeta;
20
+ inputs: RuleInput[];
21
+ outputs: RuleOutput[];
22
+ rules: T;
23
+ }
@@ -1,4 +1,5 @@
1
- import { RuleInput, RuleMeta, RuleOutput, TaxBracket } from "../../../domain/types";
1
+ import { RuleMeta } from "../../../shared/domain/types";
2
+ import { RuleInput, RuleOutput, TaxBracket } from "../../domain/types";
2
3
  export interface IncomeTaxRules {
3
4
  taxBrackets: TaxBracket[];
4
5
  quotientFamilial: QuotientFamilial;
@@ -2,5 +2,5 @@ export { CanadaIncomeTaxServiceImpl as CanadaIncomeTaxService } from './income-t
2
2
  export { FranceIncomeTaxServiceImpl as FranceIncomeTaxService } from './income-tax/france/FranceIncomeTaxServiceImpl';
3
3
  export { ComputedIncomeTaxValues as CanadaComputedIncomeTaxValues, IncomeTaxRules as CanadaIncomeTaxRules, } from './income-tax/canada/domain/types';
4
4
  export { ComputedIncomeTaxValues as FranceComputedIncomeTaxValues, IncomeTaxRules as FranceIncomeTaxRules, } from './income-tax/france/domain/types';
5
- export { IncomeTaxCalculatorSchema } from './domain/types';
6
- export * from './domain/types';
5
+ export { IncomeTaxCalculatorSchema } from './income-tax/domain/types';
6
+ export * from './income-tax/domain/types';
@@ -0,0 +1,4 @@
1
+ import { MortgageCalculationInput, MortgageCalculationResult, MortgageRules } from "./domain/types";
2
+ export interface CanadaMortgageService {
3
+ calculate(input: MortgageCalculationInput, rules: MortgageRules): MortgageCalculationResult;
4
+ }
@@ -0,0 +1,7 @@
1
+ import { CanadaMortgageService } from './CanadaMortgageService';
2
+ import { MortgageRules, MortgageCalculationInput, MortgageCalculationResult } from './domain/types';
3
+ export declare class CanadaMortgageServiceImpl implements CanadaMortgageService {
4
+ calculate(input: MortgageCalculationInput, rules: MortgageRules): MortgageCalculationResult;
5
+ private convertCanadianRate;
6
+ private calculatePayment;
7
+ }
@@ -0,0 +1,85 @@
1
+ import { RuleMeta } from "../../../shared/domain/types";
2
+ export interface RuleInputDefinition {
3
+ type: 'number' | 'string';
4
+ min?: number;
5
+ max?: number;
6
+ enum?: string[];
7
+ }
8
+ export interface RuleInputs {
9
+ propertyPrice: RuleInputDefinition;
10
+ downPayment: RuleInputDefinition;
11
+ interestRate: RuleInputDefinition;
12
+ amortizationYears: RuleInputDefinition;
13
+ paymentFrequency: RuleInputDefinition;
14
+ }
15
+ export interface RuleOutputs {
16
+ loanAmount: 'number';
17
+ insurancePremium: 'number';
18
+ totalMortgage: 'number';
19
+ paymentAmount: 'number';
20
+ totalInterestPaid: 'number';
21
+ totalPaid: 'number';
22
+ }
23
+ export interface LoanConstraints {
24
+ maxAmortizationYears: number;
25
+ insuredMaxAmortizationYears: number;
26
+ minDownPayment: {
27
+ upTo500k: number;
28
+ above500k: number;
29
+ };
30
+ }
31
+ export interface MortgageInsuranceRate {
32
+ maxLtv: number;
33
+ rate: number;
34
+ }
35
+ export interface MortgageInsuranceRules {
36
+ requiredBelowLtv: number;
37
+ premiumRates: MortgageInsuranceRate[];
38
+ premiumAddedToLoan: boolean;
39
+ }
40
+ export interface MortgageRules {
41
+ loanConstraints: LoanConstraints;
42
+ mortgageInsurance: MortgageInsuranceRules;
43
+ interest: InterestRules;
44
+ paymentFrequencyRules: PaymentFrequencyRules;
45
+ stressTest: StressTestRules;
46
+ }
47
+ export interface InterestRules {
48
+ compounding: 'SEMI_ANNUAL' | 'ANNUAL' | 'MONTHLY';
49
+ conversionFormula: 'CANADA_STANDARD' | string;
50
+ }
51
+ export interface PaymentFrequencyRule {
52
+ paymentsPerYear: number;
53
+ acceleration?: boolean;
54
+ }
55
+ export interface PaymentFrequencyRules {
56
+ MONTHLY: PaymentFrequencyRule;
57
+ BI_WEEKLY: PaymentFrequencyRule;
58
+ ACCELERATED_BI_WEEKLY: PaymentFrequencyRule;
59
+ }
60
+ export interface StressTestRules {
61
+ apply: boolean;
62
+ minimumRateBuffer: number;
63
+ minimumQualifyingRate: number;
64
+ }
65
+ export interface MortgageRuleSet {
66
+ meta: RuleMeta;
67
+ inputs: RuleInputs;
68
+ rules: MortgageRules;
69
+ outputs: RuleOutputs;
70
+ }
71
+ export interface MortgageCalculationInput {
72
+ propertyPrice: number;
73
+ downPayment: number;
74
+ interestRate: number;
75
+ amortizationYears: number;
76
+ paymentFrequency: 'MONTHLY' | 'BI_WEEKLY' | 'ACCELERATED_BI_WEEKLY';
77
+ }
78
+ export interface MortgageCalculationResult {
79
+ loanAmount: number;
80
+ insurancePremium: number;
81
+ totalMortgage: number;
82
+ paymentAmount: number;
83
+ totalInterestPaid: number;
84
+ totalPaid: number;
85
+ }
@@ -0,0 +1,19 @@
1
+ export declare enum CalculatorType {
2
+ INCOME_TAX = "INCOME_TAX",
3
+ MORTGAGE = "MORTGAGE",
4
+ LOAN = "LOAN"
5
+ }
6
+ export interface RuleMeta {
7
+ id: string;
8
+ country: string;
9
+ region: string;
10
+ calculator: CalculatorType;
11
+ version: string;
12
+ effectivefrom: string;
13
+ effectiveto: string | null;
14
+ source?: RuleSource[];
15
+ }
16
+ export interface RuleSource {
17
+ name: string;
18
+ url: string;
19
+ }
package/package.json CHANGED
@@ -1,6 +1,6 @@
1
1
  {
2
2
  "name": "@novha/calc-engines",
3
- "version": "1.2.1",
3
+ "version": "1.3.0",
4
4
  "main": "dist/index.js",
5
5
  "types": "dist/types/index.d.ts",
6
6
  "scripts": {
@@ -1,4 +1,4 @@
1
- import { TaxBracket } from "../../domain/types";
1
+ import { TaxBracket } from "../domain/types";
2
2
  import { CanadaIncomeTaxService } from "./CanadaIncomeTaxService";
3
3
  import {
4
4
  CPPContribution,
@@ -1,4 +1,4 @@
1
- import { RuleInput, RuleMeta, RuleOutput, TaxBracket } from "../../../domain/types";
1
+ import { TaxBracket } from "../../domain/types";
2
2
 
3
3
  export interface IncomeTaxRules {
4
4
  taxBrackets: TaxBracket[];
@@ -38,3 +38,4 @@ export interface ComputedIncomeTaxValues {
38
38
  netIncome: number;
39
39
  effectiveTaxRate: number;
40
40
  }
41
+
@@ -1,24 +1,4 @@
1
- export enum CalculatorType {
2
- INCOME_TAX = 'INCOME_TAX',
3
- MORTGAGE = 'MORTGAGE',
4
- LOAN = 'LOAN'
5
- }
6
-
7
- export interface RuleMeta {
8
- id: string;
9
- country: string;
10
- region: string;
11
- calculator: CalculatorType;
12
- version: string;
13
- effectivefrom: string;
14
- effectiveto: string | null;
15
- source?: RuleSource[];
16
- }
17
-
18
- export interface RuleSource {
19
- name: string;
20
- url: string;
21
- }
1
+ import { RuleMeta } from "../../shared/domain/types";
22
2
 
23
3
  export interface RuleInput {
24
4
  name: string;
@@ -1,4 +1,5 @@
1
- import { RuleInput, RuleMeta, RuleOutput, TaxBracket } from "../../../domain/types";
1
+ import { RuleMeta } from "../../../shared/domain/types";
2
+ import { RuleInput, RuleOutput, TaxBracket } from "../../domain/types";
2
3
 
3
4
  export interface IncomeTaxRules {
4
5
  taxBrackets: TaxBracket[];
package/src/index.ts CHANGED
@@ -8,5 +8,5 @@ export {
8
8
  ComputedIncomeTaxValues as FranceComputedIncomeTaxValues,
9
9
  IncomeTaxRules as FranceIncomeTaxRules,
10
10
  } from './income-tax/france/domain/types';
11
- export { IncomeTaxCalculatorSchema } from './domain/types';
12
- export * from './domain/types';
11
+ export { IncomeTaxCalculatorSchema } from './income-tax/domain/types';
12
+ export * from './income-tax/domain/types';
@@ -0,0 +1,8 @@
1
+ import { MortgageCalculationInput, MortgageCalculationResult, MortgageRules } from "./domain/types";
2
+
3
+ export interface CanadaMortgageService {
4
+ calculate(
5
+ input: MortgageCalculationInput,
6
+ rules: MortgageRules
7
+ ): MortgageCalculationResult;
8
+ }
@@ -0,0 +1,129 @@
1
+ import { CanadaMortgageService } from './CanadaMortgageService';
2
+ import {
3
+ MortgageRules,
4
+ MortgageCalculationInput,
5
+ MortgageCalculationResult
6
+ } from './domain/types';
7
+
8
+ export class CanadaMortgageServiceImpl implements CanadaMortgageService {
9
+
10
+ public calculate(input: MortgageCalculationInput, rules: MortgageRules): MortgageCalculationResult {
11
+
12
+ const {
13
+ propertyPrice,
14
+ downPayment,
15
+ interestRate,
16
+ amortizationYears,
17
+ paymentFrequency
18
+ } = input;
19
+
20
+ /* -----------------------------
21
+ 1. Loan Amount & LTV
22
+ ------------------------------ */
23
+
24
+ const loanAmount = propertyPrice - downPayment;
25
+ if (loanAmount <= 0) {
26
+ throw new Error('Invalid loan amount');
27
+ }
28
+
29
+ const ltv = loanAmount / propertyPrice;
30
+
31
+ /* -----------------------------
32
+ 2. CMHC Insurance
33
+ ------------------------------ */
34
+
35
+ let insurancePremium = 0;
36
+
37
+ if (ltv > rules.mortgageInsurance.requiredBelowLtv) {
38
+ const premiumRule = rules.mortgageInsurance.premiumRates
39
+ .find(r => ltv <= r.maxLtv);
40
+
41
+ if (!premiumRule) {
42
+ throw new Error('LTV exceeds maximum insurable limit');
43
+ }
44
+
45
+ insurancePremium = loanAmount * premiumRule.rate;
46
+ }
47
+
48
+ const totalMortgage = rules.mortgageInsurance.premiumAddedToLoan
49
+ ? loanAmount + insurancePremium
50
+ : loanAmount;
51
+
52
+ /* -----------------------------
53
+ 3. Interest Rate Conversion
54
+ (Canada semi-annual compounding)
55
+ ------------------------------ */
56
+
57
+ const periodicRate = this.convertCanadianRate(
58
+ interestRate,
59
+ rules.interest.compounding,
60
+ rules.paymentFrequencyRules[paymentFrequency].paymentsPerYear
61
+ );
62
+
63
+ /* -----------------------------
64
+ 4. Payment Frequency
65
+ ------------------------------ */
66
+
67
+ const frequencyRule = rules.paymentFrequencyRules[paymentFrequency];
68
+ const paymentsPerYear = frequencyRule.paymentsPerYear;
69
+ const totalPayments = amortizationYears * paymentsPerYear;
70
+
71
+ /* -----------------------------
72
+ 5. Mortgage Payment Formula
73
+ P = L × [ r(1+r)^n ] / [ (1+r)^n − 1 ]
74
+ ------------------------------ */
75
+
76
+ const paymentAmount = this.calculatePayment(
77
+ totalMortgage,
78
+ periodicRate,
79
+ totalPayments
80
+ );
81
+
82
+ /* -----------------------------
83
+ 6. Totals
84
+ ------------------------------ */
85
+
86
+ const totalPaid = paymentAmount * totalPayments;
87
+ const totalInterestPaid = totalPaid - totalMortgage;
88
+
89
+ return {
90
+ loanAmount: loanAmount,
91
+ insurancePremium: insurancePremium,
92
+ totalMortgage: totalMortgage,
93
+ paymentAmount: paymentAmount,
94
+ totalInterestPaid: totalInterestPaid,
95
+ totalPaid: totalPaid
96
+ };
97
+ }
98
+
99
+ /* ======================================================
100
+ Helper Methods
101
+ ====================================================== */
102
+
103
+ private convertCanadianRate(
104
+ annualRate: number,
105
+ compounding: 'SEMI_ANNUAL' | 'ANNUAL' | 'MONTHLY',
106
+ paymentsPerYear: number
107
+ ): number {
108
+
109
+ if (compounding !== 'SEMI_ANNUAL') {
110
+ throw new Error('Only Canadian semi-annual compounding supported');
111
+ }
112
+
113
+ // Canadian standard conversion
114
+ const semiAnnualRate = annualRate / 2;
115
+ const effectiveAnnualRate = Math.pow(1 + semiAnnualRate, 2) - 1;
116
+
117
+ return Math.pow(1 + effectiveAnnualRate, 1 / paymentsPerYear) - 1;
118
+ }
119
+
120
+ private calculatePayment(principal: number, rate: number, periods: number): number {
121
+ if (rate === 0) {
122
+ return principal / periods;
123
+ }
124
+
125
+ return principal *
126
+ (rate * Math.pow(1 + rate, periods)) /
127
+ (Math.pow(1 + rate, periods) - 1);
128
+ }
129
+ }
@@ -0,0 +1,100 @@
1
+ import { RuleMeta } from "../../../shared/domain/types";
2
+
3
+ export interface RuleInputDefinition {
4
+ type: 'number' | 'string';
5
+ min?: number;
6
+ max?: number;
7
+ enum?: string[];
8
+ }
9
+
10
+ export interface RuleInputs {
11
+ propertyPrice: RuleInputDefinition;
12
+ downPayment: RuleInputDefinition;
13
+ interestRate: RuleInputDefinition;
14
+ amortizationYears: RuleInputDefinition;
15
+ paymentFrequency: RuleInputDefinition;
16
+ }
17
+
18
+ export interface RuleOutputs {
19
+ loanAmount: 'number';
20
+ insurancePremium: 'number';
21
+ totalMortgage: 'number';
22
+ paymentAmount: 'number';
23
+ totalInterestPaid: 'number';
24
+ totalPaid: 'number';
25
+ }
26
+
27
+ export interface LoanConstraints {
28
+ maxAmortizationYears: number;
29
+ insuredMaxAmortizationYears: number;
30
+ minDownPayment: {
31
+ upTo500k: number;
32
+ above500k: number;
33
+ };
34
+ }
35
+
36
+ export interface MortgageInsuranceRate {
37
+ maxLtv: number;
38
+ rate: number;
39
+ }
40
+
41
+ export interface MortgageInsuranceRules {
42
+ requiredBelowLtv: number;
43
+ premiumRates: MortgageInsuranceRate[];
44
+ premiumAddedToLoan: boolean;
45
+ }
46
+
47
+
48
+ export interface MortgageRules {
49
+ loanConstraints: LoanConstraints;
50
+ mortgageInsurance: MortgageInsuranceRules;
51
+ interest: InterestRules;
52
+ paymentFrequencyRules: PaymentFrequencyRules;
53
+ stressTest: StressTestRules;
54
+ }
55
+
56
+ export interface InterestRules {
57
+ compounding: 'SEMI_ANNUAL' | 'ANNUAL' | 'MONTHLY';
58
+ conversionFormula: 'CANADA_STANDARD' | string;
59
+ }
60
+
61
+ export interface PaymentFrequencyRule {
62
+ paymentsPerYear: number;
63
+ acceleration?: boolean;
64
+ }
65
+
66
+ export interface PaymentFrequencyRules {
67
+ MONTHLY: PaymentFrequencyRule;
68
+ BI_WEEKLY: PaymentFrequencyRule;
69
+ ACCELERATED_BI_WEEKLY: PaymentFrequencyRule;
70
+ }
71
+
72
+ export interface StressTestRules {
73
+ apply: boolean;
74
+ minimumRateBuffer: number;
75
+ minimumQualifyingRate: number;
76
+ }
77
+
78
+ export interface MortgageRuleSet {
79
+ meta: RuleMeta;
80
+ inputs: RuleInputs;
81
+ rules: MortgageRules;
82
+ outputs: RuleOutputs;
83
+ }
84
+
85
+ export interface MortgageCalculationInput {
86
+ propertyPrice: number;
87
+ downPayment: number;
88
+ interestRate: number; // Annual nominal rate (e.g. 0.052)
89
+ amortizationYears: number;
90
+ paymentFrequency: 'MONTHLY' | 'BI_WEEKLY' | 'ACCELERATED_BI_WEEKLY';
91
+ }
92
+
93
+ export interface MortgageCalculationResult {
94
+ loanAmount: number;
95
+ insurancePremium: number;
96
+ totalMortgage: number;
97
+ paymentAmount: number;
98
+ totalInterestPaid: number;
99
+ totalPaid: number;
100
+ }
@@ -0,0 +1,21 @@
1
+ export enum CalculatorType {
2
+ INCOME_TAX = 'INCOME_TAX',
3
+ MORTGAGE = 'MORTGAGE',
4
+ LOAN = 'LOAN'
5
+ }
6
+
7
+ export interface RuleMeta {
8
+ id: string;
9
+ country: string;
10
+ region: string;
11
+ calculator: CalculatorType;
12
+ version: string;
13
+ effectivefrom: string;
14
+ effectiveto: string | null;
15
+ source?: RuleSource[];
16
+ }
17
+
18
+ export interface RuleSource {
19
+ name: string;
20
+ url: string;
21
+ }