|
1
|
|
|
<?php |
|
2
|
|
|
|
|
3
|
|
|
declare(strict_types = 1); |
|
4
|
|
|
|
|
5
|
|
|
namespace Kauri\Loan; |
|
6
|
|
|
|
|
7
|
|
|
|
|
8
|
|
|
class PaymentsCalculator implements PaymentsCalculatorInterface |
|
9
|
|
|
{ |
|
10
|
|
|
/** |
|
11
|
|
|
* @var PaymentAmountCalculatorInterface |
|
12
|
|
|
*/ |
|
13
|
|
|
private $paymentAmountCalculator; |
|
14
|
|
|
/** |
|
15
|
|
|
* @var InterestAmountCalculatorInterface |
|
16
|
|
|
*/ |
|
17
|
|
|
private $interestAmountCalculator; |
|
18
|
|
|
|
|
19
|
|
|
/** |
|
20
|
|
|
* PaymentsCalculator constructor. |
|
21
|
|
|
* @param PaymentAmountCalculatorInterface $paymentAmountCalculator |
|
22
|
|
|
* @param InterestAmountCalculatorInterface $interestAmountCalculator |
|
23
|
|
|
*/ |
|
24
|
4 |
|
public function __construct( |
|
25
|
|
|
PaymentAmountCalculatorInterface $paymentAmountCalculator, |
|
26
|
|
|
InterestAmountCalculatorInterface $interestAmountCalculator |
|
27
|
|
|
) { |
|
28
|
4 |
|
$this->paymentAmountCalculator = $paymentAmountCalculator; |
|
29
|
4 |
|
$this->interestAmountCalculator = $interestAmountCalculator; |
|
30
|
4 |
|
} |
|
31
|
|
|
|
|
32
|
|
|
/** |
|
33
|
|
|
* @param PaymentPeriodsInterface $paymentPeriods |
|
34
|
|
|
* @param float $amountOfPrincipal |
|
35
|
|
|
* @param float $yearlyInterestRate |
|
36
|
|
|
* @param int $calculationMode |
|
37
|
|
|
* @param float $futureValue |
|
38
|
|
|
* @return array |
|
39
|
|
|
*/ |
|
40
|
4 |
|
public function calculatePayments( |
|
41
|
|
|
PaymentPeriodsInterface $paymentPeriods, |
|
42
|
|
|
float $amountOfPrincipal, |
|
43
|
|
|
float $yearlyInterestRate, |
|
44
|
|
|
int $calculationMode, |
|
45
|
|
|
float $futureValue |
|
46
|
|
|
): array { |
|
47
|
4 |
|
$payments = array(); |
|
48
|
|
|
|
|
49
|
4 |
|
$periodLengths = $this->getPeriodLengths($paymentPeriods, $calculationMode); |
|
50
|
4 |
|
$paymentAmounts = $this->paymentAmountCalculator->getPaymentAmounts($periodLengths, $amountOfPrincipal, |
|
51
|
4 |
|
$yearlyInterestRate, 0); |
|
52
|
|
|
|
|
53
|
4 |
|
$principalLeft = $amountOfPrincipal; |
|
54
|
|
|
|
|
55
|
4 |
|
foreach ($paymentPeriods->getPeriods() as $period) { |
|
56
|
|
|
/** |
|
57
|
|
|
* Get payment amount |
|
58
|
|
|
*/ |
|
59
|
4 |
|
$paymentAmount = round($paymentAmounts[$period->getSequenceNo()], 2); |
|
60
|
|
|
|
|
61
|
|
|
/** |
|
62
|
|
|
* Get interest rate for period |
|
63
|
|
|
*/ |
|
64
|
4 |
|
$ratePerPeriod = $this->interestAmountCalculator->getPeriodInterestRate($yearlyInterestRate, |
|
65
|
4 |
|
$period->getLength($calculationMode)); |
|
66
|
|
|
|
|
67
|
|
|
/** |
|
68
|
|
|
* Calculate interest part |
|
69
|
|
|
*/ |
|
70
|
4 |
|
$interest = round($this->interestAmountCalculator->getInterestAmount($principalLeft, $ratePerPeriod), 2); |
|
71
|
|
|
|
|
72
|
|
|
/** |
|
73
|
|
|
* Calculate principal part |
|
74
|
|
|
*/ |
|
75
|
4 |
|
if ($period->getSequenceNo() < $paymentPeriods->getNoOfPeriods()) { |
|
76
|
4 |
|
$principal = $paymentAmount - $interest; |
|
77
|
|
|
} else { |
|
78
|
4 |
|
$principal = $principalLeft; |
|
79
|
|
|
} |
|
80
|
|
|
|
|
81
|
|
|
/** |
|
82
|
|
|
* Calculate balance left |
|
83
|
|
|
*/ |
|
84
|
4 |
|
$principalLeft = $principalLeft - $principal; |
|
85
|
|
|
|
|
86
|
|
|
/** |
|
87
|
|
|
* Compose payment data |
|
88
|
|
|
*/ |
|
89
|
|
|
$paymentData = array( |
|
90
|
4 |
|
'sequence_no' => $period->getSequenceNo(), |
|
91
|
4 |
|
'payment' => $interest + $principal, |
|
92
|
4 |
|
'principal' => $principal, |
|
93
|
4 |
|
'interest' => $interest, |
|
94
|
4 |
|
'principal_left' => $principalLeft, |
|
95
|
4 |
|
'period' => $period |
|
96
|
|
|
); |
|
97
|
|
|
|
|
98
|
4 |
|
$payments[$period->getSequenceNo()] = $paymentData; |
|
99
|
|
|
} |
|
100
|
|
|
|
|
101
|
4 |
|
return $payments; |
|
102
|
|
|
} |
|
103
|
|
|
|
|
104
|
|
|
/** |
|
105
|
|
|
* @param PaymentPeriodsInterface $paymentPeriods |
|
106
|
|
|
* @param int $lengthMode |
|
107
|
|
|
* @return array |
|
108
|
|
|
*/ |
|
109
|
4 |
|
private function getPeriodLengths(PaymentPeriodsInterface $paymentPeriods, int $lengthMode): array |
|
110
|
|
|
{ |
|
111
|
4 |
|
$lengths = array(); |
|
112
|
|
|
|
|
113
|
|
|
/** @var PeriodInterface $period */ |
|
114
|
4 |
|
foreach ($paymentPeriods->getPeriods() as $period) { |
|
115
|
4 |
|
$lengths[$period->getSequenceNo()] = $period->getLength($lengthMode); |
|
116
|
|
|
} |
|
117
|
|
|
|
|
118
|
4 |
|
return $lengths; |
|
119
|
|
|
} |
|
120
|
|
|
} |
|
121
|
|
|
|
kaurikk /
loan-payment-calculator
