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<?php |
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declare(strict_types = 1); |
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namespace Kauri\Loan; |
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/** |
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* Class PaymentPeriods |
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* @package Kauri\Loan |
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*/ |
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class PaymentPeriods implements PaymentPeriodsInterface |
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{ |
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/** |
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* Exact payment with exact interest |
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*/ |
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const CALCULATION_TYPE_EXACT = 1; |
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/** |
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* Annuity payment with exact interest |
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*/ |
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const CALCULATION_TYPE_EXACT_INTEREST = 2; |
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/** |
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* Annuity payment with annuity interest |
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*/ |
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const CALCULATION_TYPE_ANNUITY = 3; |
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/** |
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* @var array |
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*/ |
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private $periods = array(); |
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/** |
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* @var int |
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*/ |
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private $averagePeriod; |
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/** |
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* PaymentPeriods constructor. |
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* @param int $averagePeriod |
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*/ |
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public function __construct(int $averagePeriod) |
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{ |
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$this->averagePeriod = $averagePeriod; |
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} |
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/** |
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* @param PeriodInterface $period |
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* @param int|null $sequenceNo |
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*/ |
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public function add(PeriodInterface $period, int $sequenceNo = null): void |
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{ |
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if (is_null($sequenceNo)) { |
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$sequenceNo = $this->getNoOfPeriods() + 1; |
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} |
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$period->setSequenceNo($sequenceNo); |
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$this->periods[$sequenceNo] = $period; |
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} |
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/** |
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* @param PeriodInterface $period |
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* @param float $yearlyInterestRate |
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* @param int $calculationType |
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* @return float |
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* @throws \Exception |
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*/ |
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public function getRatePerPeriod( |
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PeriodInterface $period, |
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float $yearlyInterestRate, |
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int $calculationType = self::CALCULATION_TYPE_ANNUITY |
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): float { |
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switch ($calculationType) { |
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case self::CALCULATION_TYPE_EXACT: |
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case self::CALCULATION_TYPE_EXACT_INTEREST: |
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$currentPeriod = $period->getLength(); |
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break; |
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case self::CALCULATION_TYPE_ANNUITY: |
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$currentPeriod = $this->averagePeriod; |
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break; |
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default: |
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throw new \Exception('Calculation type not implemented'); |
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} |
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$ratePerPeriod = $yearlyInterestRate / 360 * $currentPeriod; |
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return $ratePerPeriod; |
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} |
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/** |
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* @param PeriodInterface $period |
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* @param int $calculationType |
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* @return float|int |
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* @throws \Exception |
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*/ |
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public function getNumberOfRemainingPeriods( |
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PeriodInterface $period, |
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int $calculationType = self::CALCULATION_TYPE_ANNUITY |
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): float { |
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switch ($calculationType) { |
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case self::CALCULATION_TYPE_EXACT: |
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$currentPeriod = $period->getLength(); |
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$totalPeriods = $this->getExactRemainingPeriodsLength($period); |
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break; |
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case self::CALCULATION_TYPE_EXACT_INTEREST: |
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case self::CALCULATION_TYPE_ANNUITY: |
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$currentPeriod = $this->averagePeriod; |
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$totalPeriods = $this->getAverageRemainingPeriodsLength($period); |
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break; |
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default: |
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throw new \Exception('Calculation type not implemented'); |
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} |
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$numberOfPeriods = ($currentPeriod + $totalPeriods) / $currentPeriod; |
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return $numberOfPeriods; |
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} |
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/** |
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* @param PeriodInterface $currentPeriod |
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* @return int |
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*/ |
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public function getExactRemainingPeriodsLength(PeriodInterface $currentPeriod) |
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{ |
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$followingPeriods = $this->getFollowingPeriods($currentPeriod->getSequenceNo()); |
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$remainingPeriodsLength = 0; |
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foreach ($followingPeriods as $period) { |
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$remainingPeriodsLength += $period->getLength(); |
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} |
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return $remainingPeriodsLength; |
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} |
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/** |
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* @param PeriodInterface $currentPeriod |
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* @return int |
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*/ |
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public function getAverageRemainingPeriodsLength(PeriodInterface $currentPeriod) |
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{ |
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$followingPeriods = $this->getFollowingPeriods($currentPeriod->getSequenceNo()); |
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$remainingPeriodsLength = $this->averagePeriod * count($followingPeriods); |
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return $remainingPeriodsLength; |
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} |
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/** |
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* @param int $currentPeriodSequenceNo |
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* @return array |
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*/ |
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private function getFollowingPeriods(int $currentPeriodSequenceNo): array |
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{ |
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$followingPeriods = array(); |
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foreach ($this->getPeriods() as $period) { |
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if ($period->getSequenceNo() > $currentPeriodSequenceNo) { |
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array_push($followingPeriods, $period); |
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} |
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} |
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return $followingPeriods; |
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} |
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/** |
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* @return array |
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*/ |
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public function getPeriods(): array |
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{ |
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return $this->periods; |
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} |
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/** |
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* @return int |
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*/ |
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public function getNoOfPeriods(): int |
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{ |
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return count($this->periods); |
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} |
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} |
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