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<?php |
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declare(strict_types = 1); |
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namespace Kauri\Loan; |
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class PaymentsCalculator implements PaymentsCalculatorInterface |
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{ |
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/** |
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* @var PaymentAmountCalculatorInterface |
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*/ |
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private $paymentAmountCalculator; |
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/** |
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* @var InterestAmountCalculatorInterface |
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*/ |
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private $interestAmountCalculator; |
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/** |
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* PaymentsCalculator constructor. |
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* @param PaymentAmountCalculatorInterface $paymentAmountCalculator |
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* @param InterestAmountCalculatorInterface $interestAmountCalculator |
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*/ |
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public function __construct( |
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PaymentAmountCalculatorInterface $paymentAmountCalculator, |
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InterestAmountCalculatorInterface $interestAmountCalculator |
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) { |
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$this->paymentAmountCalculator = $paymentAmountCalculator; |
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$this->interestAmountCalculator = $interestAmountCalculator; |
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} |
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/** |
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* @param PaymentPeriodsInterface $paymentPeriods |
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* @param float $amountOfPrincipal |
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* @param float $yearlyInterestRate |
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* @param int $calculationMode |
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* @return array |
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*/ |
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public function calculatePayments( |
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PaymentPeriodsInterface $paymentPeriods, |
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float $amountOfPrincipal, |
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float $yearlyInterestRate, |
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int $calculationMode |
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): array { |
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$payments = array(); |
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$numberOfPayments = $paymentPeriods->getNoOfPeriods(); |
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$principalLeft = $amountOfPrincipal; |
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foreach ($paymentPeriods->getPeriods() as $key => $period) { |
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$ratePerPeriod = $paymentPeriods->getRatePerPeriod($period, $yearlyInterestRate, $calculationMode); |
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$numberOfPeriods = $paymentPeriods->getNumberOfRemainingPeriods($period, $calculationMode); |
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/** |
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* Calculate payment amount |
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*/ |
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$paymentAmount = $this->paymentAmountCalculator->getPaymentAmount($principalLeft, $ratePerPeriod, |
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$numberOfPeriods); |
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/** |
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* Calculate interest part |
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*/ |
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$interest = $this->interestAmountCalculator->getInterestAmount($principalLeft, $ratePerPeriod); |
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/** |
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* Calculate principal part |
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*/ |
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if ($key < $numberOfPayments) { |
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$principal = $paymentAmount - $interest; |
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} else { |
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$principal = $principalLeft; |
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} |
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/** |
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* Calculate balance left |
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*/ |
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$principalLeft = round($principalLeft - $principal, 2); |
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/** |
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* Compose payment data |
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*/ |
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$paymentData = array( |
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'sequence_no' => $key, |
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'payment' => $interest + $principal, |
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'principal' => $principal, |
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'interest' => $interest, |
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'principal_left' => $principalLeft, |
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'period' => $period |
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); |
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$payments[$key] = $paymentData; |
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} |
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return $payments; |
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} |
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} |
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kaurikk /
loan-payment-calculator
