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Contents
# coding: utf-8 module LoanCreator class Linear < LoanCreator::Common def lender_timetable timetable = new_timetable reset_current_term @crd_end_of_period = amount if term_zero? compute_term_zero timetable << current_term end duration_in_periods.times do |idx| @last_period = last_period?(idx) @deferred_period = idx < deferred_in_periods compute_current_term(idx) timetable << current_term end timetable end private def last_period?(idx) idx == (duration_in_periods - 1) end def compute_current_term(idx) # Reminder: CRD beginning of period = CRD end of period **of previous period** @crd_beginning_of_period = @crd_end_of_period @period_theoric_interests = @crd_beginning_of_period * periodic_interests_rate @delta_interests = @period_theoric_interests - @period_theoric_interests.round(2) @accrued_delta_interests += @delta_interests @amount_to_add = bigd( if @accrued_delta_interests >= bigd('0.01') '0.01' elsif @accrued_delta_interests <= bigd('-0.01') '-0.01' else '0' end ) @accrued_delta_interests -= @amount_to_add @period_interests = @period_theoric_interests.round(2) + @amount_to_add @period_capital = period_capital @total_paid_capital_end_of_period += @period_capital @total_paid_interests_end_of_period += @period_interests @period_amount_to_pay = @period_interests + @period_capital @crd_end_of_period -= @period_capital @due_on = nil @index = idx + 1 end def period_capital if @last_period @crd_beginning_of_period elsif @deferred_period bigd(0) else (amount / (duration_in_periods - deferred_in_periods)).round(2) end end end end
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5 entries across 5 versions & 1 rubygems