1
|
|
|
<?php |
2
|
|
|
|
3
|
|
|
namespace Kauri\Loan\Test; |
4
|
|
|
|
5
|
|
|
|
6
|
|
|
use Kauri\Loan\PaymentAmountCalculator\AnnuityPaymentAmountCalculator; |
7
|
|
|
use Kauri\Loan\PaymentAmountCalculator\EqualPrincipalPaymentAmountCalculator; |
8
|
|
|
use Kauri\Loan\PaymentAmountCalculatorInterface; |
9
|
|
|
use PHPUnit\Framework\TestCase; |
10
|
|
|
|
11
|
|
|
class PaymentAmountCalculatorTest extends TestCase |
12
|
|
|
{ |
13
|
|
|
/** |
14
|
|
|
* @dataProvider loanData |
15
|
|
|
* @param $presentValue |
16
|
|
|
* @param $yearlyInterestRate |
17
|
|
|
* @param $totalPeriod |
18
|
|
|
* @param $currentPeriod |
19
|
|
|
* @param $expected |
20
|
|
|
* @param PaymentAmountCalculatorInterface $calculator |
21
|
|
|
*/ |
22
|
|
|
public function testGetPaymentAmount( |
23
|
|
|
$presentValue, |
24
|
|
|
$yearlyInterestRate, |
25
|
|
|
$totalPeriod, |
26
|
|
|
$currentPeriod, |
27
|
|
|
$expected, |
28
|
|
|
PaymentAmountCalculatorInterface $calculator |
29
|
|
|
) { |
30
|
|
|
$ratePerPeriod = $yearlyInterestRate / 360 * $currentPeriod; |
31
|
|
|
$numberOfPeriods = $totalPeriod / $currentPeriod; |
32
|
|
|
|
33
|
|
|
$paymentAmount = $calculator->getPaymentAmount($presentValue, $ratePerPeriod, $numberOfPeriods); |
34
|
|
|
|
35
|
|
|
$this->assertEquals($expected, round($paymentAmount, 2)); |
36
|
|
|
} |
37
|
|
|
|
38
|
|
|
/** |
39
|
|
|
* @return array |
40
|
|
|
*/ |
41
|
|
|
public function loanData(): array |
42
|
|
|
{ |
43
|
|
|
$annuityCalculator = new AnnuityPaymentAmountCalculator(); |
44
|
|
|
$equalCalculator = new EqualPrincipalPaymentAmountCalculator(); |
45
|
|
|
|
46
|
|
|
return [ |
47
|
|
|
// Exact |
48
|
|
|
[900, 0, 90, 60, 600, $annuityCalculator], |
49
|
|
|
[900, 0, 90, 30, 300, $annuityCalculator], |
50
|
|
|
[300, 0, 30, 30, 300, $annuityCalculator], |
51
|
|
|
[900, 360, 90, 60, 1067.42, $annuityCalculator], |
52
|
|
|
[900, 360, 90, 30, 495.56, $annuityCalculator], |
53
|
|
|
[674.43, 360, 60, 30, 495.56, $annuityCalculator], |
54
|
|
|
[381.20, 360, 30, 30, 495.56, $annuityCalculator], |
55
|
|
|
// Regular, 30 day month, 360 days a year |
56
|
|
|
[5630, 9, 1800, 30, 116.87, $annuityCalculator], // 60 payments, monthly, 360 days a year |
57
|
|
|
[1000, 0, 60, 30, 500, $annuityCalculator], // 2 payments, monthly, 360 days a year |
58
|
|
|
[900, 0, 90, 30, 300, $equalCalculator], |
59
|
|
|
[600, 0, 60, 30, 300, $equalCalculator], |
60
|
|
|
[900, 360, 90, 30, 570, $equalCalculator], |
61
|
|
|
[600, 360, 60, 30, 480, $equalCalculator], |
62
|
|
|
[300, 360, 30, 30, 390, $equalCalculator] |
63
|
|
|
]; |
64
|
|
|
} |
65
|
|
|
} |
66
|
|
|
|