@novha/calc-engines 1.3.1 → 1.3.2

package/dist/index.js

@@ -14,12 +14,14 @@ var __exportStar = (this && this.__exportStar) || function(m, exports) {
     for (var p in m) if (p !== "default" && !Object.prototype.hasOwnProperty.call(exports, p)) __createBinding(exports, m, p);
 };
 Object.defineProperty(exports, "__esModule", { value: true });
-exports.FranceIncomeTaxService = exports.CanadaMortgageService = exports.CanadaIncomeTaxService = void 0;
+exports.SouthAfricaMortgageService = exports.FranceIncomeTaxService = exports.CanadaMortgageService = exports.CanadaIncomeTaxService = void 0;
 var CanadaIncomeTaxServiceImpl_1 = require("./income-tax/canada/CanadaIncomeTaxServiceImpl");
 Object.defineProperty(exports, "CanadaIncomeTaxService", { enumerable: true, get: function () { return CanadaIncomeTaxServiceImpl_1.CanadaIncomeTaxServiceImpl; } });
 var CanadaMortgageServiceImpl_1 = require("./mortgage/canada/CanadaMortgageServiceImpl");
 Object.defineProperty(exports, "CanadaMortgageService", { enumerable: true, get: function () { return CanadaMortgageServiceImpl_1.CanadaMortgageServiceImpl; } });
 var FranceIncomeTaxServiceImpl_1 = require("./income-tax/france/FranceIncomeTaxServiceImpl");
 Object.defineProperty(exports, "FranceIncomeTaxService", { enumerable: true, get: function () { return FranceIncomeTaxServiceImpl_1.FranceIncomeTaxServiceImpl; } });
+var SouthAfricaMortgageServiceImpl_1 = require("./mortgage/south-africa/SouthAfricaMortgageServiceImpl");
+Object.defineProperty(exports, "SouthAfricaMortgageService", { enumerable: true, get: function () { return SouthAfricaMortgageServiceImpl_1.SouthAfricaMortgageServiceImpl; } });
 __exportStar(require("./income-tax/domain/types"), exports);
-//# sourceMappingURL=data:application/json;base64,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
+//# sourceMappingURL=data:application/json;base64,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

package/dist/mortgage/south-africa/SouthAfricaMortgageService.js

@@ -0,0 +1,3 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+//# sourceMappingURL=data:application/json;base64,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

package/dist/mortgage/south-africa/SouthAfricaMortgageServiceImpl.js

@@ -0,0 +1,54 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.SouthAfricaMortgageServiceImpl = void 0;
+class SouthAfricaMortgageServiceImpl {
+    constructor(input, rules) {
+        this.input = input;
+        this.rules = rules;
+    }
+    calculate() {
+        const loanAmount = this.input.propertyPrice - this.input.downPayment;
+        // Monthly interest rate
+        const monthlyRate = this.input.annualInterestRate / 100 / 12;
+        const totalPayments = this.input.amortizationYears * 12;
+        // Standard amortized monthly payment formula
+        const monthlyPayment = (loanAmount * monthlyRate) /
+            (1 - Math.pow(1 + monthlyRate, -totalPayments));
+        const totalPaid = monthlyPayment * totalPayments;
+        const totalInterestPaid = totalPaid - loanAmount;
+        // Debt-to-income ratio
+        const debtToIncomeRatio = (monthlyPayment / this.input.grossMonthlyIncome) * 100;
+        const isAffordable = debtToIncomeRatio <= this.rules.loanConstraints.maxDebtToIncomePercent;
+        // Fees
+        const bondRegistrationFee = loanAmount * (this.rules.fees.bondRegistrationPercent / 100);
+        const transferDuty = this.calculateTransferDuty(this.input.propertyPrice);
+        return {
+            loanAmount,
+            monthlyPayment,
+            totalInterestPaid,
+            totalPaid,
+            debtToIncomeRatio,
+            isAffordable,
+            transferDuty,
+            bondRegistrationFee
+        };
+    }
+    calculateTransferDuty(propertyPrice) {
+        let duty = 0;
+        let previousLimit = 0;
+        for (const bracket of this.rules.fees.transferDuty.brackets) {
+            if (bracket.upTo && propertyPrice > previousLimit) {
+                const taxable = Math.min(propertyPrice, bracket.upTo) - previousLimit;
+                duty += taxable * bracket.rate;
+                previousLimit = bracket.upTo;
+            }
+            if (bracket.above && propertyPrice > bracket.above) {
+                duty += (propertyPrice - bracket.above) * bracket.rate;
+                break;
+            }
+        }
+        return duty;
+    }
+}
+exports.SouthAfricaMortgageServiceImpl = SouthAfricaMortgageServiceImpl;
+//# sourceMappingURL=data:application/json;base64,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

package/dist/mortgage/south-africa/domain/types.js

@@ -0,0 +1,3 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+//# sourceMappingURL=data:application/json;base64,eyJ2ZXJzaW9uIjozLCJmaWxlIjoidHlwZXMuanMiLCJzb3VyY2VSb290IjoiIiwic291cmNlcyI6WyIuLi8uLi8uLi8uLi9zcmMvbW9ydGdhZ2Uvc291dGgtYWZyaWNhL2RvbWFpbi90eXBlcy50cyJdLCJuYW1lcyI6W10sIm1hcHBpbmdzIjoiIiwic291cmNlc0NvbnRlbnQiOlsiaW1wb3J0IHsgUnVsZU1ldGEgfSBmcm9tIFwiLi4vLi4vLi4vc2hhcmVkL2RvbWFpbi90eXBlc1wiO1xuXG5leHBvcnQgaW50ZXJmYWNlIFJ1bGVJbnB1dERlZmluaXRpb24ge1xuICB0eXBlOiBcIm51bWJlclwiIHwgXCJzdHJpbmdcIjtcbiAgbWluPzogbnVtYmVyO1xuICBtYXg/OiBudW1iZXI7XG4gIGVudW0/OiBzdHJpbmdbXTtcbn1cblxuZXhwb3J0IGludGVyZmFjZSBSdWxlSW5wdXRzIHtcbiAgcHJvcGVydHlQcmljZTogUnVsZUlucHV0RGVmaW5pdGlvbjtcbiAgZG93blBheW1lbnQ6IFJ1bGVJbnB1dERlZmluaXRpb247XG4gIGludGVyZXN0UmF0ZTogUnVsZUlucHV0RGVmaW5pdGlvbjtcbiAgYW1vcnRpemF0aW9uWWVhcnM6IFJ1bGVJbnB1dERlZmluaXRpb247XG4gIGdyb3NzTW9udGhseUluY29tZTogUnVsZUlucHV0RGVmaW5pdGlvbjtcbn1cblxuZXhwb3J0IGludGVyZmFjZSBMb2FuQ29uc3RyYWludHMge1xuICBtYXhMdHY6IG51bWJlcjtcbiAgbWluRG93blBheW1lbnRQZXJjZW50OiBudW1iZXI7XG4gIG1heEFtb3J0aXphdGlvblllYXJzOiBudW1iZXI7XG4gIG1heERlYnRUb0luY29tZVBlcmNlbnQ6IG51bWJlcjtcbn1cblxuZXhwb3J0IGludGVyZmFjZSBJbnRlcmVzdFJ1bGVzIHtcbiAgdHlwZTogXCJmaXhlZFwiIHwgXCJ2YXJpYWJsZVwiO1xuICByYXRlUmFuZ2VQZXJjZW50OiB7IG1pbjogbnVtYmVyOyBtYXg6IG51bWJlciB9O1xuICBzdHJlc3NUZXN0QnVmZmVyUGVyY2VudDogbnVtYmVyO1xufVxuXG5leHBvcnQgaW50ZXJmYWNlIEluc3VyYW5jZVJ1bGVzIHtcbiAgcmVxdWlyZWQ6IGJvb2xlYW47XG59XG5cbmV4cG9ydCBpbnRlcmZhY2UgVHJhbnNmZXJEdXR5QnJhY2tldCB7XG4gIHVwVG8/OiBudW1iZXI7XG4gIGFib3ZlPzogbnVtYmVyO1xuICByYXRlOiBudW1iZXI7XG59XG5cbmV4cG9ydCBpbnRlcmZhY2UgRmVlc1J1bGVzIHtcbiAgYm9uZFJlZ2lzdHJhdGlvblBlcmNlbnQ6IG51bWJlcjtcbiAgdHJhbnNmZXJEdXR5OiB7XG4gICAgYnJhY2tldHM6IFRyYW5zZmVyRHV0eUJyYWNrZXRbXTtcbiAgfTtcbn1cblxuZXhwb3J0IGludGVyZmFjZSBNb3J0Z2FnZVJ1bGVzIHtcbiAgbG9hbkNvbnN0cmFpbnRzOiBMb2FuQ29uc3RyYWludHM7XG4gIGludGVyZXN0OiBJbnRlcmVzdFJ1bGVzO1xuICBpbnN1cmFuY2U6IEluc3VyYW5jZVJ1bGVzO1xuICBmZWVzOiBGZWVzUnVsZXM7XG59XG5cbmV4cG9ydCBpbnRlcmZhY2UgUnVsZU91dHB1dHMge1xuICBsb2FuQW1vdW50OiBcIm51bWJlclwiO1xuICBtb250aGx5UGF5bWVudDogXCJudW1iZXJcIjtcbiAgdG90YWxJbnRlcmVzdFBhaWQ6IFwibnVtYmVyXCI7XG4gIHRvdGFsUGFpZDogXCJudW1iZXJcIjtcbiAgZGVidFRvSW5jb21lUmF0aW86IFwibnVtYmVyXCI7XG4gIGlzQWZmb3JkYWJsZTogXCJib29sZWFuXCI7XG4gIHRyYW5zZmVyRHV0eTogXCJudW1iZXJcIjtcbiAgYm9uZFJlZ2lzdHJhdGlvbkZlZTogXCJudW1iZXJcIjtcbn1cblxuZXhwb3J0IGludGVyZmFjZSBNb3J0Z2FnZVJ1bGVTZXQge1xuICBtZXRhOiBSdWxlTWV0YTtcbiAgaW5wdXRzOiBSdWxlSW5wdXRzO1xuICBydWxlczogTW9ydGdhZ2VSdWxlcztcbiAgb3V0cHV0czogUnVsZU91dHB1dHM7XG59XG5cbmV4cG9ydCBpbnRlcmZhY2UgTW9ydGdhZ2VJbnB1dCB7XG4gIHByb3BlcnR5UHJpY2U6IG51bWJlcjtcbiAgZG93blBheW1lbnQ6IG51bWJlcjtcbiAgYW5udWFsSW50ZXJlc3RSYXRlOiBudW1iZXI7IC8vIGUuZy4sIDExLjc1JVxuICBhbW9ydGl6YXRpb25ZZWFyczogbnVtYmVyO1xuICBncm9zc01vbnRobHlJbmNvbWU6IG51bWJlcjtcbn1cblxuZXhwb3J0IGludGVyZmFjZSBNb3J0Z2FnZU91dHB1dCB7XG4gIGxvYW5BbW91bnQ6IG51bWJlcjtcbiAgbW9udGhseVBheW1lbnQ6IG51bWJlcjtcbiAgdG90YWxJbnRlcmVzdFBhaWQ6IG51bWJlcjtcbiAgdG90YWxQYWlkOiBudW1iZXI7XG4gIGRlYnRUb0luY29tZVJhdGlvOiBudW1iZXI7XG4gIGlzQWZmb3JkYWJsZTogYm9vbGVhbjtcbiAgdHJhbnNmZXJEdXR5OiBudW1iZXI7XG4gIGJvbmRSZWdpc3RyYXRpb25GZWU6IG51bWJlcjtcbn0iXX0=

package/dist/types/index.d.ts

@@ -3,6 +3,8 @@ export { CanadaMortgageServiceImpl as CanadaMortgageService } from './mortgage/c
 export { FranceIncomeTaxServiceImpl as FranceIncomeTaxService } from './income-tax/france/FranceIncomeTaxServiceImpl';
 export { ComputedIncomeTaxValues as CanadaComputedIncomeTaxValues, IncomeTaxRules as CanadaIncomeTaxRules, } from './income-tax/canada/domain/types';
 export { MortgageRules as CanadaMortgageRules, MortgageCalculationInput as CanadaMortgageCalculationInput, MortgageCalculationResult as CanadaMortgageCalculationResult, } from './mortgage/canada/domain/types';
+export { SouthAfricaMortgageServiceImpl as SouthAfricaMortgageService } from './mortgage/south-africa/SouthAfricaMortgageServiceImpl';
+export { MortgageRules as SouthAfricaMortgageRules, MortgageInput as SouthAfricaMortgageInput, MortgageOutput as SouthAfricaMortgageOutput, } from './mortgage/south-africa/domain/types';
 export { ComputedIncomeTaxValues as FranceComputedIncomeTaxValues, IncomeTaxRules as FranceIncomeTaxRules, } from './income-tax/france/domain/types';
 export { IncomeTaxCalculatorSchema } from './income-tax/domain/types';
 export * from './income-tax/domain/types';

package/dist/types/mortgage/south-africa/SouthAfricaMortgageService.d.ts

@@ -0,0 +1,4 @@
+import { MortgageRules, MortgageInput, MortgageOutput } from './domain/types';
+export interface SouthAfricaMortgageService {
+    calculate(input: MortgageInput, rules: MortgageRules): MortgageOutput;
+}

package/dist/types/mortgage/south-africa/SouthAfricaMortgageServiceImpl.d.ts

@@ -0,0 +1,9 @@
+import { MortgageRules, MortgageInput, MortgageOutput } from './domain/types';
+import { SouthAfricaMortgageService } from './SouthAfricaMortgageService';
+export declare class SouthAfricaMortgageServiceImpl implements SouthAfricaMortgageService {
+    private readonly input;
+    private readonly rules;
+    constructor(input: MortgageInput, rules: MortgageRules);
+    calculate(): MortgageOutput;
+    private calculateTransferDuty;
+}

package/dist/types/mortgage/south-africa/domain/types.d.ts

@@ -0,0 +1,81 @@
+import { RuleMeta } from "../../../shared/domain/types";
+export interface RuleInputDefinition {
+    type: "number" | "string";
+    min?: number;
+    max?: number;
+    enum?: string[];
+}
+export interface RuleInputs {
+    propertyPrice: RuleInputDefinition;
+    downPayment: RuleInputDefinition;
+    interestRate: RuleInputDefinition;
+    amortizationYears: RuleInputDefinition;
+    grossMonthlyIncome: RuleInputDefinition;
+}
+export interface LoanConstraints {
+    maxLtv: number;
+    minDownPaymentPercent: number;
+    maxAmortizationYears: number;
+    maxDebtToIncomePercent: number;
+}
+export interface InterestRules {
+    type: "fixed" | "variable";
+    rateRangePercent: {
+        min: number;
+        max: number;
+    };
+    stressTestBufferPercent: number;
+}
+export interface InsuranceRules {
+    required: boolean;
+}
+export interface TransferDutyBracket {
+    upTo?: number;
+    above?: number;
+    rate: number;
+}
+export interface FeesRules {
+    bondRegistrationPercent: number;
+    transferDuty: {
+        brackets: TransferDutyBracket[];
+    };
+}
+export interface MortgageRules {
+    loanConstraints: LoanConstraints;
+    interest: InterestRules;
+    insurance: InsuranceRules;
+    fees: FeesRules;
+}
+export interface RuleOutputs {
+    loanAmount: "number";
+    monthlyPayment: "number";
+    totalInterestPaid: "number";
+    totalPaid: "number";
+    debtToIncomeRatio: "number";
+    isAffordable: "boolean";
+    transferDuty: "number";
+    bondRegistrationFee: "number";
+}
+export interface MortgageRuleSet {
+    meta: RuleMeta;
+    inputs: RuleInputs;
+    rules: MortgageRules;
+    outputs: RuleOutputs;
+}
+export interface MortgageInput {
+    propertyPrice: number;
+    downPayment: number;
+    annualInterestRate: number;
+    amortizationYears: number;
+    grossMonthlyIncome: number;
+}
+export interface MortgageOutput {
+    loanAmount: number;
+    monthlyPayment: number;
+    totalInterestPaid: number;
+    totalPaid: number;
+    debtToIncomeRatio: number;
+    isAffordable: boolean;
+    transferDuty: number;
+    bondRegistrationFee: number;
+}

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@novha/calc-engines",
-  "version": "1.3.1",
+  "version": "1.3.2",
   "main": "dist/index.js",
   "types": "dist/types/index.d.ts",
   "scripts": {

package/src/index.ts

@@ -10,6 +10,12 @@ export {
     MortgageCalculationInput as CanadaMortgageCalculationInput,
     MortgageCalculationResult as CanadaMortgageCalculationResult,
 } from './mortgage/canada/domain/types';
+export { SouthAfricaMortgageServiceImpl as SouthAfricaMortgageService } from './mortgage/south-africa/SouthAfricaMortgageServiceImpl';
+export {
+    MortgageRules as SouthAfricaMortgageRules,
+    MortgageInput as SouthAfricaMortgageInput,
+    MortgageOutput as SouthAfricaMortgageOutput,
+} from './mortgage/south-africa/domain/types';
 export { 
     ComputedIncomeTaxValues as FranceComputedIncomeTaxValues,
     IncomeTaxRules as FranceIncomeTaxRules,

package/src/mortgage/south-africa/SouthAfricaMortgageService.ts

@@ -0,0 +1,8 @@
+import { MortgageRules, MortgageInput, MortgageOutput } from './domain/types';
+
+export interface SouthAfricaMortgageService {
+    calculate(
+        input: MortgageInput,
+        rules: MortgageRules
+    ): MortgageOutput;
+} 

package/src/mortgage/south-africa/SouthAfricaMortgageServiceImpl.ts

@@ -0,0 +1,68 @@
+import { MortgageRules, MortgageInput, MortgageOutput } from './domain/types';
+import { SouthAfricaMortgageService } from './SouthAfricaMortgageService';
+
+export class SouthAfricaMortgageServiceImpl implements SouthAfricaMortgageService {
+  constructor(
+    private readonly input: MortgageInput,
+    private readonly rules: MortgageRules
+) {}
+
+  calculate(): MortgageOutput {
+    const loanAmount = this.input.propertyPrice - this.input.downPayment;
+
+    // Monthly interest rate
+    const monthlyRate = this.input.annualInterestRate / 100 / 12;
+    const totalPayments = this.input.amortizationYears * 12;
+
+    // Standard amortized monthly payment formula
+    const monthlyPayment =
+      (loanAmount * monthlyRate) /
+      (1 - Math.pow(1 + monthlyRate, -totalPayments));
+
+    const totalPaid = monthlyPayment * totalPayments;
+    const totalInterestPaid = totalPaid - loanAmount;
+
+    // Debt-to-income ratio
+    const debtToIncomeRatio =
+      (monthlyPayment / this.input.grossMonthlyIncome) * 100;
+
+    const isAffordable =
+      debtToIncomeRatio <= this.rules.loanConstraints.maxDebtToIncomePercent;
+
+    // Fees
+    const bondRegistrationFee =
+      loanAmount * (this.rules.fees.bondRegistrationPercent / 100);
+
+    const transferDuty = this.calculateTransferDuty(this.input.propertyPrice);
+    return {
+      loanAmount,
+      monthlyPayment,
+      totalInterestPaid,
+      totalPaid,
+      debtToIncomeRatio,
+      isAffordable,
+      transferDuty,
+      bondRegistrationFee
+    };
+  }
+
+  private calculateTransferDuty(propertyPrice: number): number {
+    let duty = 0;
+    let previousLimit = 0;
+
+    for (const bracket of this.rules.fees.transferDuty.brackets) {
+      if (bracket.upTo && propertyPrice > previousLimit) {
+        const taxable = Math.min(propertyPrice, bracket.upTo) - previousLimit;
+        duty += taxable * bracket.rate;
+        previousLimit = bracket.upTo;
+      }
+
+      if (bracket.above && propertyPrice > bracket.above) {
+        duty += (propertyPrice - bracket.above) * bracket.rate;
+        break;
+      }
+    }
+
+    return duty;
+  }
+}

package/src/mortgage/south-africa/domain/types.ts

@@ -0,0 +1,90 @@
+import { RuleMeta } from "../../../shared/domain/types";
+
+export interface RuleInputDefinition {
+  type: "number" | "string";
+  min?: number;
+  max?: number;
+  enum?: string[];
+}
+
+export interface RuleInputs {
+  propertyPrice: RuleInputDefinition;
+  downPayment: RuleInputDefinition;
+  interestRate: RuleInputDefinition;
+  amortizationYears: RuleInputDefinition;
+  grossMonthlyIncome: RuleInputDefinition;
+}
+
+export interface LoanConstraints {
+  maxLtv: number;
+  minDownPaymentPercent: number;
+  maxAmortizationYears: number;
+  maxDebtToIncomePercent: number;
+}
+
+export interface InterestRules {
+  type: "fixed" | "variable";
+  rateRangePercent: { min: number; max: number };
+  stressTestBufferPercent: number;
+}
+
+export interface InsuranceRules {
+  required: boolean;
+}
+
+export interface TransferDutyBracket {
+  upTo?: number;
+  above?: number;
+  rate: number;
+}
+
+export interface FeesRules {
+  bondRegistrationPercent: number;
+  transferDuty: {
+    brackets: TransferDutyBracket[];
+  };
+}
+
+export interface MortgageRules {
+  loanConstraints: LoanConstraints;
+  interest: InterestRules;
+  insurance: InsuranceRules;
+  fees: FeesRules;
+}
+
+export interface RuleOutputs {
+  loanAmount: "number";
+  monthlyPayment: "number";
+  totalInterestPaid: "number";
+  totalPaid: "number";
+  debtToIncomeRatio: "number";
+  isAffordable: "boolean";
+  transferDuty: "number";
+  bondRegistrationFee: "number";
+}
+
+export interface MortgageRuleSet {
+  meta: RuleMeta;
+  inputs: RuleInputs;
+  rules: MortgageRules;
+  outputs: RuleOutputs;
+}
+
+export interface MortgageInput {
+  propertyPrice: number;
+  downPayment: number;
+  annualInterestRate: number; // e.g., 11.75%
+  amortizationYears: number;
+  grossMonthlyIncome: number;
+}
+
+export interface MortgageOutput {
+  loanAmount: number;
+  monthlyPayment: number;
+  totalInterestPaid: number;
+  totalPaid: number;
+  debtToIncomeRatio: number;
+  isAffordable: boolean;
+  transferDuty: number;
+  bondRegistrationFee: number;
+}