eqlx-bankmath 0.1.0__tar.gz

eqlx_bankmath-0.1.0/LICENSE

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eqlx_bankmath-0.1.0/PKG-INFO

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+Metadata-Version: 2.4
+Name: eqlx-bankmath
+Version: 0.1.0
+Summary: Deterministic bank product arithmetic for Türkiye: instalment plans with KKDF and BSMV, annual cost rate, overdraft and revolving interest, credit card statements, guarantee commissions. Exact to the kuruş. Read-only MCP server for AI agents.
+Keywords: loan,amortization,apr,kredi,kkdf,bsmv,overdraft,credit card,letter of guarantee,turkey,mcp
+Author: Can Demir
+Author-email: Can Demir <can.demir@eqlx.ai>
+License-Expression: Apache-2.0
+License-File: LICENSE
+Classifier: Development Status :: 3 - Alpha
+Classifier: Intended Audience :: Financial and Insurance Industry
+Classifier: Intended Audience :: Developers
+Classifier: Programming Language :: Python :: 3
+Classifier: Topic :: Office/Business :: Financial
+Requires-Dist: mcp>=2.3.0 ; extra == 'mcp'
+Requires-Python: >=3.10
+Project-URL: Homepage, https://eqlx.org
+Project-URL: Source, https://github.com/eqlx-ai/eqlx-bankmath
+Provides-Extra: mcp
+Description-Content-Type: text/markdown
+
+# eqlx-bankmath
+
+Deterministic arithmetic for bank products in Türkiye, exact to the kuruş. A Python library, a
+command line tool and an MCP server, so that an AI agent asks for the number instead of working it
+out itself.
+
+- **Instalment loans** (consumer, housing, commercial): the repayment plan with KKDF and BSMV on
+  interest, the annual cost rate the regulation defines, early repayment, partial prepayment, late
+  interest, and the questions asked backwards ("what can I borrow for 5,000 a month?").
+- **Daily-balance products**: retail overdraft (KMH), revolving lines and current accounts
+  (rotatif, borçlu cari hesap), spot loans.
+- **Credit cards**: minimum payment, rate ceilings, and the interest one statement puts on the next.
+- **Bills and variable rates**: discounting of bills and cheques, plans that reprice, a compounded
+  reference rate.
+- **Letters of guarantee**: commission period by period, under the convention you choose.
+- **Ceilings**: is a fee or a rate within the regulated maximum, and under which rule?
+
+Same input, same output. No model inside, no network, no data leaves the machine.
+
+## Why not let the model do the arithmetic
+
+A consumer loan of 100,000 TL at 3.99 % a month for 24 months, disbursed on 10 November 2026 with a
+500 TL allocation fee:
+
+```bash
+bankmath plan 100000 0.0399 24 --product consumer --date 2026-11-10 --fee 500
+```
+
+```text
+instalment 7,379.48   last 7,379.72   total repayment 177,607.76   total cost 77,607.76
+annual cost rate 84.5548 %   (monthly rate alone: 59.9186 % a year)
+KKDF 15.00%   BSMV 15.00%   levies: Council of Ministers Decision 2010/974; Presidential Decision 7345 (Official Gazette 07.07.2023)
+```
+
+The rate on the poster is 59.92 % a year; what the borrower pays is 84.55 %. The difference is two
+levies on interest and a fee. A language model asked for the instalment will produce a plausible
+number; this produces the number, the levy rates that applied on that date, and the decree behind each.
+
+## Install
+
+```bash
+pip install eqlx-bankmath            # library and command line; no dependencies
+pip install "eqlx-bankmath[mcp]"     # with the MCP server
+```
+
+Python 3.10 or later.
+
+## For AI agents (MCP)
+
+```bash
+claude mcp add bankmath -- bankmath mcp
+```
+
+Eighteen read-only tools; none reads or writes a file. `bankmath tools` lists them with their
+arguments, and `bankmath call <tool> '<json>'` runs any of them from a terminal.
+
+| Tool | What it returns |
+|---|---|
+| `loan_plan` | instalment, every row split into interest, KKDF, BSMV, principal; total cost; annual cost rate |
+| `loan_early_repayment` | payoff amount and saving, or the new instalment after a partial prepayment |
+| `loan_affordability` | largest loan for an instalment, shortest term, or the instalment |
+| `late_payment_interest` | default interest on a late instalment, within the 1.3 x ceiling |
+| `annual_cost_rate` | the regulation's rate for any set of cash flows |
+| `levies` | KKDF and BSMV in force for a product on a date, with the legal basis |
+| `overdraft_interest` | a period of retail overdraft use on daily balances |
+| `revolving_line` | a commercial line over several accrual periods, with rate changes |
+| `spot_loan` | simple interest to maturity, levies, annual cost |
+| `balance_interest` | the interest-number (adat) method on any list of balances and days |
+| `bill_discount` | interest taken up front, net proceeds, the rate really paid |
+| `floating_rate_plan` | an instalment plan that reprices |
+| `compounded_reference_rate` | an overnight rate compounded over a period |
+| `card_minimum_payment` | minimum payment under the BDDK decision in force |
+| `card_rate_caps` | monthly rate ceilings from the TCMB reference rate |
+| `card_statement_interest` | what one statement adds to the next |
+| `guarantee_commission` | commission schedule of a letter of guarantee |
+| `fee_cap_check` | a quoted fee against the regulated ceiling |
+
+## Conventions are arguments, and results say which were used
+
+For instalment loans the regulation fixes almost everything, and its annexes print worked examples.
+For overdrafts, revolving lines, cards and letters of guarantee much is bank practice: the day
+basis, the accrual dates, whether a started period is charged in full. Those choices change the
+answer, so each is an explicit argument and every result lists the conventions it used.
+
+A letter of guarantee of 10,000,000 TL at 2.40 % a year, issued 15 January, reduced by 4,000,000 on
+15 June, returned on 2 November:
+
+```python
+from eqlx_bankmath import tools
+
+letter = dict(
+    amount=10_000_000,
+    commission_rate="0.024",
+    issue_date="2026-01-15",
+    bsmv="0.05",
+    expiry_date="2027-01-15",
+    return_date="2026-11-02",
+)
+reductions = [["2026-06-15", 4_000_000]]
+
+full = tools.guarantee_commission(**letter, options={"reductions": reductions})
+by_days = tools.guarantee_commission(**letter, options={"reductions": reductions, "started_period": "pro_rata"})
+
+full["totals"]["cost"], full["effective_annual_cost_percent"]  # 201600.0, 3.0883
+by_days["totals"]["cost"], by_days["effective_annual_cost_percent"]  # 164500.0, 2.52
+```
+
+The same letter costs 201,600.00 TL when started quarters are charged in full without refund, and
+164,500.00 TL when the commission follows the days outstanding. Neither is "the" answer; the tool
+says which one it computed.
+
+A card statement of 12,000 TL with a minimum of 2,400 TL, of which only 1,000 TL is paid: the
+Regulation charges default interest on the unpaid part of the minimum, the Law's wording on the
+whole remaining balance. `card_statement_interest` returns 372.36 TL of interest under the first
+reading and 392.52 TL under the second (`shortfall_basis`).
+
+## How it is verified
+
+| What | Checked against |
+|---|---|
+| Consumer instalment plan, 12 and 36 months | Tüketici Kredisi Sözleşmeleri Yönetmeliği, Ek-1 and Ek-2: every figure, to the kuruş |
+| Housing loan plan | Konut Finansmanı Sözleşmeleri Yönetmeliği, Ek-1 |
+| Early repayment, partial prepayment, late interest | the same regulation, Ek-2, Ek-4, Ek-5 |
+| Annual cost rate | the two annexes; Directive 98/7/EC Annex III (eight examples) |
+| Levy rates by date | Presidential Decisions 5729, 7345, 10094; Decision 2010/974 |
+| Commercial early repayment fee | TCMB implementation instruction: its two worked examples |
+| Card rate ceilings | TCMB table valid from 1 November 2026 |
+| Card minimum payment, overdraft limit | BDDK decisions 10222, 10970, 11581 and 11365 |
+| Compounded reference rate | Borsa İstanbul's published TLREF example |
+| Card statements, overdraft months | published bank examples, and arithmetic shown in the tests |
+| Daily-balance interest, discounting, guarantees | textbook examples and arithmetic shown in the tests |
+
+Where a printed official figure is itself inconsistent, the test asserts the correct value and says
+why. Example: the regulation's early repayment example prints KKDF as 45.23 where 301.59 x 15 % is
+45.24, and its annual rate as 16.4870 % where its own cash flows give 16.4872 %.
+
+The first rows of the table are official worked examples. The last two are not: no regulator
+publishes a full card statement or a commission schedule, so those parts are checked against their
+definitions, not against an official number.
+
+## Limits
+
+A calculation, not an offer, a quote or legal advice. Levy rates and ceilings change by decree; the
+tables carry the date they were last checked. Not covered: letters of credit, KGF guarantees, card
+debt restructuring, instalment cash advances, FX revaluation, BDDK maturity and loan-to-value
+tables. See [LIMITS.md](LIMITS.md).
+
+## References
+
+- Tüketici Kredisi Sözleşmeleri Yönetmeliği (Official Gazette 22.05.2015, no. 29363) and its annexes;
+  Konut Finansmanı Sözleşmeleri Yönetmeliği (28.05.2015, no. 29369); Law 6502.
+- Law 6802 (BSMV); KKDF decisions 88/12944, 2010/974 and Presidential Decision 10094.
+- TCMB Communiqués 2020/3, 2020/4, 2020/7, 2020/16 and their implementation instructions.
+- Law 5464 and the Regulation on Bank Cards and Credit Cards; BDDK Board decisions on minimum
+  payments and overdraft limits.
+- Turkish Commercial Code Article 8; Law 3095; Turkish Code of Obligations Articles 121 and 388.
+- Directive 98/7/EC, Annex III; Directive 2008/48/EC, Annex I.
+- Borsa İstanbul, TLREF rules.
+
+## License
+
+Apache-2.0. Part of [eqlx.org](https://eqlx.org): deterministic tools for AI agents in credit and
+finance. Questions: research@eqlx.ai.

eqlx_bankmath-0.1.0/README.md

@@ -0,0 +1,163 @@
+# eqlx-bankmath
+
+Deterministic arithmetic for bank products in Türkiye, exact to the kuruş. A Python library, a
+command line tool and an MCP server, so that an AI agent asks for the number instead of working it
+out itself.
+
+- **Instalment loans** (consumer, housing, commercial): the repayment plan with KKDF and BSMV on
+  interest, the annual cost rate the regulation defines, early repayment, partial prepayment, late
+  interest, and the questions asked backwards ("what can I borrow for 5,000 a month?").
+- **Daily-balance products**: retail overdraft (KMH), revolving lines and current accounts
+  (rotatif, borçlu cari hesap), spot loans.
+- **Credit cards**: minimum payment, rate ceilings, and the interest one statement puts on the next.
+- **Bills and variable rates**: discounting of bills and cheques, plans that reprice, a compounded
+  reference rate.
+- **Letters of guarantee**: commission period by period, under the convention you choose.
+- **Ceilings**: is a fee or a rate within the regulated maximum, and under which rule?
+
+Same input, same output. No model inside, no network, no data leaves the machine.
+
+## Why not let the model do the arithmetic
+
+A consumer loan of 100,000 TL at 3.99 % a month for 24 months, disbursed on 10 November 2026 with a
+500 TL allocation fee:
+
+```bash
+bankmath plan 100000 0.0399 24 --product consumer --date 2026-11-10 --fee 500
+```
+
+```text
+instalment 7,379.48   last 7,379.72   total repayment 177,607.76   total cost 77,607.76
+annual cost rate 84.5548 %   (monthly rate alone: 59.9186 % a year)
+KKDF 15.00%   BSMV 15.00%   levies: Council of Ministers Decision 2010/974; Presidential Decision 7345 (Official Gazette 07.07.2023)
+```
+
+The rate on the poster is 59.92 % a year; what the borrower pays is 84.55 %. The difference is two
+levies on interest and a fee. A language model asked for the instalment will produce a plausible
+number; this produces the number, the levy rates that applied on that date, and the decree behind each.
+
+## Install
+
+```bash
+pip install eqlx-bankmath            # library and command line; no dependencies
+pip install "eqlx-bankmath[mcp]"     # with the MCP server
+```
+
+Python 3.10 or later.
+
+## For AI agents (MCP)
+
+```bash
+claude mcp add bankmath -- bankmath mcp
+```
+
+Eighteen read-only tools; none reads or writes a file. `bankmath tools` lists them with their
+arguments, and `bankmath call <tool> '<json>'` runs any of them from a terminal.
+
+| Tool | What it returns |
+|---|---|
+| `loan_plan` | instalment, every row split into interest, KKDF, BSMV, principal; total cost; annual cost rate |
+| `loan_early_repayment` | payoff amount and saving, or the new instalment after a partial prepayment |
+| `loan_affordability` | largest loan for an instalment, shortest term, or the instalment |
+| `late_payment_interest` | default interest on a late instalment, within the 1.3 x ceiling |
+| `annual_cost_rate` | the regulation's rate for any set of cash flows |
+| `levies` | KKDF and BSMV in force for a product on a date, with the legal basis |
+| `overdraft_interest` | a period of retail overdraft use on daily balances |
+| `revolving_line` | a commercial line over several accrual periods, with rate changes |
+| `spot_loan` | simple interest to maturity, levies, annual cost |
+| `balance_interest` | the interest-number (adat) method on any list of balances and days |
+| `bill_discount` | interest taken up front, net proceeds, the rate really paid |
+| `floating_rate_plan` | an instalment plan that reprices |
+| `compounded_reference_rate` | an overnight rate compounded over a period |
+| `card_minimum_payment` | minimum payment under the BDDK decision in force |
+| `card_rate_caps` | monthly rate ceilings from the TCMB reference rate |
+| `card_statement_interest` | what one statement adds to the next |
+| `guarantee_commission` | commission schedule of a letter of guarantee |
+| `fee_cap_check` | a quoted fee against the regulated ceiling |
+
+## Conventions are arguments, and results say which were used
+
+For instalment loans the regulation fixes almost everything, and its annexes print worked examples.
+For overdrafts, revolving lines, cards and letters of guarantee much is bank practice: the day
+basis, the accrual dates, whether a started period is charged in full. Those choices change the
+answer, so each is an explicit argument and every result lists the conventions it used.
+
+A letter of guarantee of 10,000,000 TL at 2.40 % a year, issued 15 January, reduced by 4,000,000 on
+15 June, returned on 2 November:
+
+```python
+from eqlx_bankmath import tools
+
+letter = dict(
+    amount=10_000_000,
+    commission_rate="0.024",
+    issue_date="2026-01-15",
+    bsmv="0.05",
+    expiry_date="2027-01-15",
+    return_date="2026-11-02",
+)
+reductions = [["2026-06-15", 4_000_000]]
+
+full = tools.guarantee_commission(**letter, options={"reductions": reductions})
+by_days = tools.guarantee_commission(**letter, options={"reductions": reductions, "started_period": "pro_rata"})
+
+full["totals"]["cost"], full["effective_annual_cost_percent"]  # 201600.0, 3.0883
+by_days["totals"]["cost"], by_days["effective_annual_cost_percent"]  # 164500.0, 2.52
+```
+
+The same letter costs 201,600.00 TL when started quarters are charged in full without refund, and
+164,500.00 TL when the commission follows the days outstanding. Neither is "the" answer; the tool
+says which one it computed.
+
+A card statement of 12,000 TL with a minimum of 2,400 TL, of which only 1,000 TL is paid: the
+Regulation charges default interest on the unpaid part of the minimum, the Law's wording on the
+whole remaining balance. `card_statement_interest` returns 372.36 TL of interest under the first
+reading and 392.52 TL under the second (`shortfall_basis`).
+
+## How it is verified
+
+| What | Checked against |
+|---|---|
+| Consumer instalment plan, 12 and 36 months | Tüketici Kredisi Sözleşmeleri Yönetmeliği, Ek-1 and Ek-2: every figure, to the kuruş |
+| Housing loan plan | Konut Finansmanı Sözleşmeleri Yönetmeliği, Ek-1 |
+| Early repayment, partial prepayment, late interest | the same regulation, Ek-2, Ek-4, Ek-5 |
+| Annual cost rate | the two annexes; Directive 98/7/EC Annex III (eight examples) |
+| Levy rates by date | Presidential Decisions 5729, 7345, 10094; Decision 2010/974 |
+| Commercial early repayment fee | TCMB implementation instruction: its two worked examples |
+| Card rate ceilings | TCMB table valid from 1 November 2026 |
+| Card minimum payment, overdraft limit | BDDK decisions 10222, 10970, 11581 and 11365 |
+| Compounded reference rate | Borsa İstanbul's published TLREF example |
+| Card statements, overdraft months | published bank examples, and arithmetic shown in the tests |
+| Daily-balance interest, discounting, guarantees | textbook examples and arithmetic shown in the tests |
+
+Where a printed official figure is itself inconsistent, the test asserts the correct value and says
+why. Example: the regulation's early repayment example prints KKDF as 45.23 where 301.59 x 15 % is
+45.24, and its annual rate as 16.4870 % where its own cash flows give 16.4872 %.
+
+The first rows of the table are official worked examples. The last two are not: no regulator
+publishes a full card statement or a commission schedule, so those parts are checked against their
+definitions, not against an official number.
+
+## Limits
+
+A calculation, not an offer, a quote or legal advice. Levy rates and ceilings change by decree; the
+tables carry the date they were last checked. Not covered: letters of credit, KGF guarantees, card
+debt restructuring, instalment cash advances, FX revaluation, BDDK maturity and loan-to-value
+tables. See [LIMITS.md](LIMITS.md).
+
+## References
+
+- Tüketici Kredisi Sözleşmeleri Yönetmeliği (Official Gazette 22.05.2015, no. 29363) and its annexes;
+  Konut Finansmanı Sözleşmeleri Yönetmeliği (28.05.2015, no. 29369); Law 6502.
+- Law 6802 (BSMV); KKDF decisions 88/12944, 2010/974 and Presidential Decision 10094.
+- TCMB Communiqués 2020/3, 2020/4, 2020/7, 2020/16 and their implementation instructions.
+- Law 5464 and the Regulation on Bank Cards and Credit Cards; BDDK Board decisions on minimum
+  payments and overdraft limits.
+- Turkish Commercial Code Article 8; Law 3095; Turkish Code of Obligations Articles 121 and 388.
+- Directive 98/7/EC, Annex III; Directive 2008/48/EC, Annex I.
+- Borsa İstanbul, TLREF rules.
+
+## License
+
+Apache-2.0. Part of [eqlx.org](https://eqlx.org): deterministic tools for AI agents in credit and
+finance. Questions: research@eqlx.ai.

eqlx_bankmath-0.1.0/pyproject.toml

@@ -0,0 +1,89 @@
+[project]
+name = "eqlx-bankmath"
+version = "0.1.0"
+description = "Deterministic bank product arithmetic for Türkiye: instalment plans with KKDF and BSMV, annual cost rate, overdraft and revolving interest, credit card statements, guarantee commissions. Exact to the kuruş. Read-only MCP server for AI agents."
+readme = "README.md"
+requires-python = ">=3.10"
+license = "Apache-2.0"
+license-files = ["LICENSE"]
+keywords = [
+    "loan",
+    "amortization",
+    "apr",
+    "kredi",
+    "kkdf",
+    "bsmv",
+    "overdraft",
+    "credit card",
+    "letter of guarantee",
+    "turkey",
+    "mcp",
+]
+classifiers = [
+    "Development Status :: 3 - Alpha",
+    "Intended Audience :: Financial and Insurance Industry",
+    "Intended Audience :: Developers",
+    "Programming Language :: Python :: 3",
+    "Topic :: Office/Business :: Financial",
+]
+dependencies = []
+
+[[project.authors]]
+name = "Can Demir"
+email = "can.demir@eqlx.ai"
+
+[project.optional-dependencies]
+mcp = ["mcp>=2.3.0"]
+
+[project.scripts]
+bankmath = "eqlx_bankmath.cli:main"
+
+[project.urls]
+Homepage = "https://eqlx.org"
+Source = "https://github.com/eqlx-ai/eqlx-bankmath"
+
+[build-system]
+requires = ["uv_build>=0.12.16,<0.13.0"]
+build-backend = "uv_build"
+
+[dependency-groups]
+dev = [
+    "mypy>=2.4.1",
+    "pytest>=9.2.0",
+    "ruff>=0.17.4",
+]
+
+[tool.ruff]
+line-length = 120
+target-version = "py310"
+
+[tool.ruff.lint]
+select = [
+    "E",
+    "F",
+    "W",
+    "I",
+    "B",
+    "UP",
+    "N",
+    "SIM",
+    "RUF",
+]
+ignore = [
+    "RUF001",
+    "RUF002",
+    "RUF003",
+]
+
+[tool.ruff.lint.per-file-ignores]
+"tests/*" = [
+    "E501",
+    "N817",
+]
+
+[tool.mypy]
+strict = true
+
+[[tool.mypy.overrides]]
+module = ["mcp.*"]
+ignore_missing_imports = true

eqlx_bankmath-0.1.0/pyproject.toml.orig

@@ -0,0 +1,61 @@
+[project]
+name = "eqlx-bankmath"
+version = "0.1.0"
+description = "Deterministic bank product arithmetic for Türkiye: instalment plans with KKDF and BSMV, annual cost rate, overdraft and revolving interest, credit card statements, guarantee commissions. Exact to the kuruş. Read-only MCP server for AI agents."
+readme = "README.md"
+authors = [
+    { name = "Can Demir", email = "can.demir@eqlx.ai" }
+]
+requires-python = ">=3.10"
+license = "Apache-2.0"
+license-files = ["LICENSE"]
+keywords = ["loan", "amortization", "apr", "kredi", "kkdf", "bsmv", "overdraft", "credit card", "letter of guarantee", "turkey", "mcp"]
+classifiers = [
+    "Development Status :: 3 - Alpha",
+    "Intended Audience :: Financial and Insurance Industry",
+    "Intended Audience :: Developers",
+    "Programming Language :: Python :: 3",
+    "Topic :: Office/Business :: Financial",
+]
+dependencies = []
+
+[project.optional-dependencies]
+mcp = [
+    "mcp>=2.3.0",
+]
+
+[build-system]
+requires = ["uv_build>=0.12.16,<0.13.0"]
+build-backend = "uv_build"
+
+[dependency-groups]
+dev = [
+    "mypy>=2.4.1",
+    "pytest>=9.2.0",
+    "ruff>=0.17.4",
+]
+
+[project.scripts]
+bankmath = "eqlx_bankmath.cli:main"
+
+[project.urls]
+Homepage = "https://eqlx.org"
+Source = "https://github.com/eqlx-ai/eqlx-bankmath"
+
+[tool.ruff]
+line-length = 120
+target-version = "py310"
+
+[tool.ruff.lint]
+select = ["E", "F", "W", "I", "B", "UP", "N", "SIM", "RUF"]
+ignore = ["RUF001", "RUF002", "RUF003"]  # Turkish letters in names of laws and products
+
+[tool.ruff.lint.per-file-ignores]
+"tests/*" = ["E501", "N817"]
+
+[tool.mypy]
+strict = true
+
+[[tool.mypy.overrides]]
+module = ["mcp.*"]
+ignore_missing_imports = true