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<?php |
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namespace FinanCalc\Calculators { |
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use DateTime; |
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use FinanCalc\Interfaces\Calculator\CalculatorAbstract; |
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use FinanCalc\Utils\Lambdas; |
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use FinanCalc\Utils\MathFuncs; |
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use FinanCalc\Utils\Time\TimeSpan; |
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use FinanCalc\Utils\Time\TimeUtils; |
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/** |
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* Class DebtAmortizator |
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* @package FinanCalc\Calculators |
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*/ |
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class DebtAmortizator extends CalculatorAbstract |
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{ |
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/** @var RepaymentInstance[] */ |
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// list of individual debt's repayments as an array of RepaymentInstance objects |
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protected $debtRepayments; |
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// principal of the debt = 'PV' |
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protected $debtPrincipal; |
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// number of periods pertaining to the interest compounding = 'n' |
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protected $debtNoOfCompoundingPeriods; |
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// length of a single period in days |
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/** @var TimeSpan */ |
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protected $debtPeriodLength; |
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// the interest rate by which the unpaid balance is multiplied (i.e., a decimal number) = 'i' |
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protected $debtInterest; |
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// props returned by the getResultAsArray method by default |
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protected $propResultArray = [ |
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"debtPrincipal", |
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"debtNoOfCompoundingPeriods", |
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"debtPeriodLength" => |
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[ |
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"years" => "debtPeriodLengthInYears", |
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"months" => "debtPeriodLengthInMonths", |
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"days" => "debtPeriodLengthInDays" |
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], |
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"debtInterest", |
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"debtDiscountFactor", |
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"debtLength" => |
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[ |
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"years" => "debtLengthInYears", |
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"months" => "debtLengthInMonths", |
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"days" => "debtLengthInDays" |
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], |
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"debtSingleRepayment", |
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"debtSingleRepaymentRounded", |
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"debtRepayments" => "debtRepaymentsAsArrays", |
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"debtRepaymentsRounded" => "debtRepaymentsAsArraysRounded" |
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]; |
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/** |
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* @param $debtPrincipal |
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* @param $debtNoOfCompoundingPeriods |
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* @param TimeSpan $debtPeriodLength |
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* @param $debtInterest |
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*/ |
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public function __construct( |
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$debtPrincipal, |
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$debtNoOfCompoundingPeriods, |
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TimeSpan $debtPeriodLength, |
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$debtInterest |
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) { |
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$this->setDebtPrincipalWithoutRecalculation($debtPrincipal); |
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$this->setDebtNoOfCompoundingPeriodsWithoutRecalculation($debtNoOfCompoundingPeriods); |
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$this->setDebtPeriodLength($debtPeriodLength); |
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$this->setDebtInterestWithoutRecalculation($debtInterest); |
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$this->calculateDebtRepayments(); |
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} |
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/** |
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* @param $debtPrincipal |
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*/ |
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private function setDebtPrincipalWithoutRecalculation($debtPrincipal) |
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{ |
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$this->setProperty("debtPrincipal", $debtPrincipal, Lambdas::checkIfPositive()); |
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} |
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/** |
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* @param $debtNoOfCompoundingPeriods |
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*/ |
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private function setDebtNoOfCompoundingPeriodsWithoutRecalculation($debtNoOfCompoundingPeriods) |
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{ |
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$this->setProperty("debtNoOfCompoundingPeriods", $debtNoOfCompoundingPeriods, Lambdas::checkIfPositive()); |
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} |
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/** |
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* @param $debtInterest |
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*/ |
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private function setDebtInterestWithoutRecalculation($debtInterest) |
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{ |
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$this->setProperty("debtInterest", $debtInterest, Lambdas::checkIfPositive()); |
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} |
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/** |
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* @param $debtPrincipal |
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*/ |
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public function setDebtPrincipal($debtPrincipal) |
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{ |
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$this->setDebtPrincipalWithoutRecalculation($debtPrincipal); |
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$this->calculateDebtRepayments(); |
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} |
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/** |
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* @param $debtNoOfCompoundingPeriods |
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*/ |
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public function setDebtNoOfCompoundingPeriods($debtNoOfCompoundingPeriods) |
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{ |
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$this->setDebtNoOfCompoundingPeriodsWithoutRecalculation($debtNoOfCompoundingPeriods); |
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$this->calculateDebtRepayments(); |
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} |
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/** |
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* @param $debtPeriodLength |
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*/ |
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public function setDebtPeriodLength(TimeSpan $debtPeriodLength) |
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{ |
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$this->setProperty("debtPeriodLength", $debtPeriodLength, Lambdas::checkIfPositive()); |
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} |
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/** |
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* @param $debtInterest |
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*/ |
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public function setDebtInterest($debtInterest) |
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{ |
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$this->setDebtInterestWithoutRecalculation($debtInterest); |
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$this->calculateDebtRepayments(); |
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} |
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/** |
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* Private function populating the $debtRepayments array which represents the amortization schedule |
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* constructed on basis of the initial parameters passed to the constructor |
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*/ |
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private function calculateDebtRepayments() |
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{ |
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$this->debtRepayments = array(); |
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$unpaidBalance = $this->debtPrincipal; |
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// calculate each repayment (more precisely its interest/principal components) and add it to the array |
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// storing the debt repayments (i.e., representing the amortization schedule) |
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// NOTE: rounding to two decimal places takes place when calculating the interest and principal parts |
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// of a single repayment |
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for ($i = 1; $i <= $this->debtNoOfCompoundingPeriods; $i++) { |
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$interestAmount = MathFuncs::mul($this->debtInterest, $unpaidBalance); |
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$principalAmount = MathFuncs::sub($this->getDebtSingleRepayment(), $interestAmount); |
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$this->debtRepayments[$i] = new RepaymentInstance($principalAmount, $interestAmount); |
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$unpaidBalance = MathFuncs::sub($unpaidBalance, $principalAmount); |
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} |
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} |
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/** |
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* @return string [Value of the debt principal as a string] |
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*/ |
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public function getDebtPrincipal() |
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{ |
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return $this->debtPrincipal; |
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} |
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/** |
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* @return string [Number of the debt's compounding periods as a string] |
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*/ |
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public function getDebtNoOfCompoundingPeriods() |
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{ |
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return $this->debtNoOfCompoundingPeriods; |
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} |
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/** |
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* @return TimeSpan |
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*/ |
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public function getDebtPeriodLength() |
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{ |
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return $this->debtPeriodLength; |
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} |
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/** |
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* @return string [Length of each of the debt's compounding periods in years as a string] |
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*/ |
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public function getDebtPeriodLengthInYears() |
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{ |
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return $this->debtPeriodLength->toYears(); |
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} |
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/** |
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* @return string [Length of each of the debt's compounding periods in months as a string] |
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*/ |
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public function getDebtPeriodLengthInMonths() |
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{ |
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return $this->debtPeriodLength->toMonths(); |
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} |
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/** |
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* @return string [Length of each of the debt's compounding periods in days as a string] |
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*/ |
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public function getDebtPeriodLengthInDays() |
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{ |
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return $this->debtPeriodLength->toDays(); |
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} |
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/** |
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* @return string [Value of the debt's interest in a decimal number 'multiplier' form as a string] |
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*/ |
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public function getDebtInterest() |
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{ |
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return $this->debtInterest; |
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} |
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/** |
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* @return string [Value of the debt's discount factor as a string] |
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*/ |
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public function getDebtDiscountFactor() |
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{ |
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// discount factor 'v = 1/(1+i)' |
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return MathFuncs::div( |
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1, |
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MathFuncs::add( |
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1, |
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$this->debtInterest |
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) |
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); |
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} |
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/** |
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* @return string [Length of the debt in years as a string] |
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*/ |
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public function getDebtLengthInYears() |
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{ |
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return MathFuncs::div( |
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$this->getDebtLengthInDays(), |
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TimeUtils::getCurrentDayCountConvention()['days_in_a_year'] |
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); |
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} |
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/** |
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* @return string [Length of the debt in months as a string] |
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*/ |
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public function getDebtLengthInMonths() |
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{ |
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return MathFuncs::div( |
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$this->getDebtLengthInDays(), |
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TimeUtils::getCurrentDayCountConvention()['days_in_a_month'] |
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); |
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} |
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/** |
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* @return string [Length of the debt in years as a string] |
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*/ |
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public function getDebtLengthInDays() |
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{ |
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return MathFuncs::mul( |
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$this->debtNoOfCompoundingPeriods, |
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$this->debtPeriodLength->toDays() |
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); |
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} |
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/** |
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* @param DateTime $startDate [The start date of the debt] |
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* @return DateTime [The end date of the debt] |
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*/ |
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public function getDebtEndDate(DateTime $startDate) |
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{ |
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return TimeSpan |
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::asDurationWithStartDate($startDate, 0, 0, (int)$this->getDebtLengthInDays()) |
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->getEndDate(); |
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} |
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/** |
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* @return string [Value of a single debt repayment instance as a string] |
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*/ |
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View Code Duplication |
public function getDebtSingleRepayment() |
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{ |
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// single repayment 'K = PV/((1-v^n)/i)' |
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return MathFuncs::div( |
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$this->debtPrincipal, |
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MathFuncs::div( |
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MathFuncs::sub( |
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1, |
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MathFuncs::pow( |
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$this->getDebtDiscountFactor(), |
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$this->debtNoOfCompoundingPeriods |
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) |
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), |
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$this->debtInterest |
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) |
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); |
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} |
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/** |
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* @return string [Value of a single debt repayment instance as a string] |
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*/ |
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View Code Duplication |
public function getDebtSingleRepaymentRounded() { |
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// single repayment 'K = PV/((1-v^n)/i)' |
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return MathFuncs::roundUp( |
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MathFuncs::div( |
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$this->debtPrincipal, |
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MathFuncs::div( |
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MathFuncs::sub( |
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1, |
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MathFuncs::pow( |
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$this->getDebtDiscountFactor(), |
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$this->debtNoOfCompoundingPeriods |
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) |
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), |
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$this->debtInterest |
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) |
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), 2); |
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} |
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/** |
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* @return RepaymentInstance[] [Array of individual debt repayments (RepaymentInstances)] |
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*/ |
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public function getDebtRepayments() |
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{ |
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return $this->debtRepayments; |
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} |
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/** |
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* @return array |
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*/ |
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public function getDebtRepaymentsAsArrays() |
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{ |
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$repayments = array(); |
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$i = 1; |
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foreach ($this->debtRepayments as $repayment) { |
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$repayments[$i++] = [ |
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"principalAmount" => $repayment->getPrincipalAmount(), |
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"interestAmount" => $repayment->getInterestAmount(), |
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"totalAmount" => $repayment->getTotalAmount() |
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]; |
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} |
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return $repayments; |
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} |
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/** |
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* @return array |
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*/ |
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public function getDebtRepaymentsAsArraysRounded() |
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{ |
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$repayments = array(); |
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$i = 1; |
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$balance = $this->debtPrincipal; |
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foreach ($this->debtRepayments as $repayment) { |
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if($balance > $repayment->getTotalAmount()) { |
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$totalAmount = MathFuncs::roundUp($repayment->getTotalAmount(), 2); |
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$interestAmount = MathFuncs::round($repayment->getInterestAmount(), 2); |
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$principalAmount = MathFuncs::round($totalAmount - $interestAmount, 2); |
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} |
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else { |
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$interestAmount = MathFuncs::round($repayment->getInterestAmount(), 2); |
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$totalAmount = MathFuncs::round(MathFuncs::add($balance, $interestAmount), 2); |
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$principalAmount = MathFuncs::round($balance, 2); |
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} |
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$beginningBalance = $balance; |
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$endingBalance = MathFuncs::sub($balance, $principalAmount); |
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$balance = MathFuncs::sub($balance, $principalAmount); |
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$repayments[$i++] = [ |
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"beginningBalance" => MathFuncs::round($beginningBalance, 2), |
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"totalAmount" => $totalAmount, |
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"principalAmount" => $principalAmount, |
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"interestAmount" => $interestAmount, |
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"endingBalance" => MathFuncs::round($endingBalance, 2) |
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]; |
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} |
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return $repayments; |
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} |
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} |
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379
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/** |
380
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* Class RepaymentInstance |
381
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* @package FinanCalc\Calculators\DebtAmortizator |
382
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*/ |
383
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class RepaymentInstance |
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384
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{ |
385
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// the "principal" part of the individual repayment instance |
386
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private $principalAmount; |
387
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// the "interest" part of the individual repayment instance |
388
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private $interestAmount; |
389
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390
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/** |
391
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* @param string $principalAmount [Value of the amount of the payment's 'principal part' as a string] |
392
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* @param string $interestAmount [Value of the amount of the payment's 'interest part' as a string] |
393
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*/ |
394
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public function __construct($principalAmount, $interestAmount) |
395
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{ |
396
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$this->principalAmount = $principalAmount; |
397
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$this->interestAmount = $interestAmount; |
398
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} |
399
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400
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/** |
401
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* @return string [Value of the amount of the payment's 'principal part' as a string] |
402
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*/ |
403
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public function getPrincipalAmount() |
404
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{ |
405
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return $this->principalAmount; |
406
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} |
407
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408
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/** |
409
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* @return string [Value of the amount of the payment's 'interest part' as a string] |
410
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*/ |
411
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public function getInterestAmount() |
412
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{ |
413
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return $this->interestAmount; |
414
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} |
415
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416
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/** |
417
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* @return string [Value of the total amount that the payment represents as a string] |
418
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*/ |
419
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public function getTotalAmount() |
420
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{ |
421
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return MathFuncs::add($this->principalAmount, $this->interestAmount); |
422
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} |
423
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} |
424
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} |
425
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Duplicated code is one of the most pungent code smells. If you need to duplicate the same code in three or more different places, we strongly encourage you to look into extracting the code into a single class or operation.
You can also find more detailed suggestions in the “Code” section of your repository.