/
example_amortization_test.go
184 lines (170 loc) · 4.6 KB
/
example_amortization_test.go
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package gofinancial_test
import (
"time"
"github.com/shopspring/decimal"
gofinancial "github.com/razorpay/go-financial"
"github.com/razorpay/go-financial/enums/frequency"
"github.com/razorpay/go-financial/enums/interesttype"
"github.com/razorpay/go-financial/enums/paymentperiod"
)
// This example generates amortization table for a loan of 20 lakhs over 15years at 12% per annum.
func ExampleAmortization_GenerateTable() {
loc, err := time.LoadLocation("Asia/Kolkata")
if err != nil {
panic("location loading error")
}
currentDate := time.Date(2009, 11, 11, 4, 30, 0, 0, loc)
config := gofinancial.Config{
// start date is inclusive
StartDate: currentDate,
// end date is inclusive.
EndDate: currentDate.AddDate(15, 0, 0).AddDate(0, 0, -1),
Frequency: frequency.ANNUALLY,
// AmountBorrowed is in paisa
AmountBorrowed: decimal.NewFromInt(200000000),
// InterestType can be flat or reducing
InterestType: interesttype.REDUCING,
// interest is in basis points
Interest: decimal.NewFromInt(1200),
// amount is paid at the end of the period
PaymentPeriod: paymentperiod.ENDING,
// all values will be rounded
EnableRounding: true,
// it will be rounded to nearest int
RoundingPlaces: 0,
// no error is tolerated
RoundingErrorTolerance: decimal.Zero,
}
amortization, err := gofinancial.NewAmortization(&config)
if err != nil {
panic(err)
}
rows, err := amortization.GenerateTable()
if err != nil {
panic(err)
}
gofinancial.PrintRows(rows)
// Output:
// [
// {
// "Period": 1,
// "StartDate": "2009-11-11T04:30:00+05:30",
// "EndDate": "2010-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-24000000",
// "Principal": "-5364848"
// },
// {
// "Period": 2,
// "StartDate": "2010-11-11T00:00:00+05:30",
// "EndDate": "2011-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-23356218",
// "Principal": "-6008630"
// },
// {
// "Period": 3,
// "StartDate": "2011-11-11T00:00:00+05:30",
// "EndDate": "2012-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-22635183",
// "Principal": "-6729665"
// },
// {
// "Period": 4,
// "StartDate": "2012-11-11T00:00:00+05:30",
// "EndDate": "2013-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-21827623",
// "Principal": "-7537225"
// },
// {
// "Period": 5,
// "StartDate": "2013-11-11T00:00:00+05:30",
// "EndDate": "2014-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-20923156",
// "Principal": "-8441692"
// },
// {
// "Period": 6,
// "StartDate": "2014-11-11T00:00:00+05:30",
// "EndDate": "2015-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-19910153",
// "Principal": "-9454695"
// },
// {
// "Period": 7,
// "StartDate": "2015-11-11T00:00:00+05:30",
// "EndDate": "2016-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-18775589",
// "Principal": "-10589259"
// },
// {
// "Period": 8,
// "StartDate": "2016-11-11T00:00:00+05:30",
// "EndDate": "2017-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-17504878",
// "Principal": "-11859970"
// },
// {
// "Period": 9,
// "StartDate": "2017-11-11T00:00:00+05:30",
// "EndDate": "2018-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-16081682",
// "Principal": "-13283166"
// },
// {
// "Period": 10,
// "StartDate": "2018-11-11T00:00:00+05:30",
// "EndDate": "2019-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-14487702",
// "Principal": "-14877146"
// },
// {
// "Period": 11,
// "StartDate": "2019-11-11T00:00:00+05:30",
// "EndDate": "2020-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-12702445",
// "Principal": "-16662403"
// },
// {
// "Period": 12,
// "StartDate": "2020-11-11T00:00:00+05:30",
// "EndDate": "2021-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-10702956",
// "Principal": "-18661892"
// },
// {
// "Period": 13,
// "StartDate": "2021-11-11T00:00:00+05:30",
// "EndDate": "2022-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-8463529",
// "Principal": "-20901319"
// },
// {
// "Period": 14,
// "StartDate": "2022-11-11T00:00:00+05:30",
// "EndDate": "2023-11-10T23:59:59+05:30",
// "Payment": "-29364848",
// "Interest": "-5955371",
// "Principal": "-23409477"
// },
// {
// "Period": 15,
// "StartDate": "2023-11-11T00:00:00+05:30",
// "EndDate": "2024-11-10T23:59:59+05:30",
// "Payment": "-29364847",
// "Interest": "-3146234",
// "Principal": "-26218613"
// }
// ]
}