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<?php |
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/** |
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* @author: Vova Lando <[email protected]> |
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* @package: LoanPaymentsCalculator |
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* @subpackage: |
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* @created: 05/09/2017 16:56 |
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*/ |
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namespace cog\LoanPaymentsCalculator\PaymentSchedule; |
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use cog\LoanPaymentsCalculator\Payment\Payment; |
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use cog\LoanPaymentsCalculator\Period\Period; |
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/** |
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* Class EqualPrincipalPaymentScheduleCalculator |
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* @package cog\LoanPaymentsCalculator\PaymentSchedule |
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*/ |
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class EqualPrincipalPaymentScheduleCalculator implements PaymentScheduleCalculator |
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{ |
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/** |
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* @var Period[] |
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*/ |
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private $schedulePeriods; |
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/** |
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* @var float |
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*/ |
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private $principalAmount; |
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/** |
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* @var float |
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*/ |
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private $dailyInterestRate; |
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/** |
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* @var float |
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*/ |
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private $totalInterest; |
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/** |
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* PaymentSchedule constructor. |
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* @param Period[] $schedulePeriods |
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* @param float $principalAmount |
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* @param float $dailyInterestRate |
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*/ |
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public function __construct( |
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$schedulePeriods, |
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$principalAmount, |
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$dailyInterestRate |
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) { |
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$this->schedulePeriods = $schedulePeriods; |
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$this->principalAmount = $principalAmount; |
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$this->dailyInterestRate = $dailyInterestRate; |
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$this->totalInterest = 0.0; |
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} |
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/** |
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* @return float |
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*/ |
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public function getTotalInterest() |
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{ |
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return $this->totalInterest; |
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} |
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/** |
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* @param float $totalInterest |
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*/ |
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public function setTotalInterest($totalInterest) |
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{ |
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$this->totalInterest = $totalInterest; |
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} |
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/** |
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* @inheritdoc |
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*/ |
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public function calculateSchedule() |
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{ |
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/** |
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* @var Payment[] $payments |
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*/ |
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$payments = []; |
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$numberOfPeriods = count($this->schedulePeriods); |
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$paymentPrincipal = $this->principalAmount/$numberOfPeriods; |
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$totalPrincipalToPay = $this->principalAmount; |
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for ($i=0; $i<$numberOfPeriods; $i++) { |
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$payment = new Payment($this->schedulePeriods[$i]); |
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// Payment principal |
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$payment->setPrincipal($paymentPrincipal); |
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// Payment interest |
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$paymentInterest = $this->calculatePaymentInterest($totalPrincipalToPay, $this->dailyInterestRate, $payment->getPeriod()->daysLength); |
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$payment->setInterest($paymentInterest); |
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// Payment totals |
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$totalPrincipalToPay-=$paymentPrincipal; |
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$payment->setPrincipalBalanceLeft($totalPrincipalToPay); |
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$payments[] = $payment; |
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$this->totalInterest += $paymentInterest; |
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} |
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return $payments; |
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} |
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/** |
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* @param float $remainingPrincipalAmount |
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* @param float $dailyInterestRate |
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* @param integer $periodInDays |
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* @return float |
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*/ |
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private function calculatePaymentInterest($remainingPrincipalAmount, $dailyInterestRate, $periodInDays) |
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{ |
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return $remainingPrincipalAmount*$dailyInterestRate*$periodInDays; |
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} |
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} |
Vovke /
loan-payments-calculator
