Class: BlendSpreadsheetLoanGenerator::Formula

Inherits:
Object
  • Object
show all
Includes:
SpreadsheetConcern
Defined in:
lib/blend_spreadsheet_loan_generator/formula.rb

Instance Attribute Summary collapse

Instance Method Summary collapse

Constructor Details

#initialize(loan:) ⇒ Formula

Returns a new instance of Formula.



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 7

def initialize(loan:)
  @loan = loan
  @interests_formula = loan.interests_formula
  @loan_type_formula = loan.loan_type_formula
end

Instance Attribute Details

#loan ⇒ Object

Returns the value of attribute loan.



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 5

def loan
  @loan
end

Instance Method Details

#accrued_delta_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 136

def accrued_delta_formula(line:)
  return excel_float(0.0) if line == 2

  "=#{accrued_delta(line - 1)} + #{delta(line)} - #{amount_to_add(line - 1)}"
end

#amount_to_add_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 142

def amount_to_add_formula(line:)
  "=TRONQUE(#{accrued_delta(line)}; 2)"
end

#capitalized_fees_end_formula(line:, first_term_skip: false) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 208

def capitalized_fees_end_formula(line:, first_term_skip: false)
  term = line - 1
  return excel_float(0.0) if first_term_skip && term == 1
  if term <= loan.deferred_and_capitalized
    index = first_term_skip ? index(line - 1) : index(line)
    with_fees = "#{remaining_capital_start(line)} * (1 + #{period_fees_rate(line)} + #{period_rate(line)})^#{index}"
    without_fees = "#{remaining_capital_start(line)} * (1 + #{period_rate(line)})^#{index}"
    "=ARRONDI(#{with_fees} - #{without_fees}; 2)"
  else
    "=ARRONDI(#{capitalized_fees_start(line)} - #{period_reimbursed_capitalized_fees(line)}; 2)"
  end
end

#capitalized_fees_start_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 202

def capitalized_fees_start_formula(line:)
  return excel_float(loan.starting_capitalized_fees) if line == 2

  "=ARRONDI(#{capitalized_fees_end(line - 1)}; 2)"
end

#capitalized_interests_end_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 110

def capitalized_interests_end_formula(line:)
  term = line - 1
  if term <= loan.deferred_and_capitalized
    "=ARRONDI(#{capitalized_interests_start(line)} + #{period_calculated_interests(line)}; 2)"
  else
    "=ARRONDI(#{capitalized_interests_start(line)} - #{period_reimbursed_capitalized_interests(line)}; 2)"
  end
end

#capitalized_interests_start_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 104

def capitalized_interests_start_formula(line:)
  return excel_float(loan.starting_capitalized_interests) if line == 2

  "=ARRONDI(#{capitalized_interests_end(line - 1)}; 2)"
end

#delta_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 132

def delta_formula(line:)
  "=#{period_theoric_interests(line)} - #{period_interests(line)}"
end

#due_on_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 17

def due_on_formula(line:)
  term = line - 1
  loan.due_on + ((term - 1) * loan.period_duration).months
end

#index_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 13

def index_formula(line:)
  line - 1
end

#period_calculated_capital_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 52

def period_calculated_capital_formula(line:)
  term = line - 1
  if term <= loan.total_deferred_duration
    excel_float(0.0)
  else
    @loan_type_formula.period_calculated_capital_formula(line: line)
  end
end

#period_calculated_fees_formula(line:, first_term_skip: false) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 171

def period_calculated_fees_formula(line:, first_term_skip: false)
  term = line - 1
  return excel_float(0.0) if first_term_skip && term == 1
  if loan.bullet_term?(term)
    index = first_term_skip ? index(line - 1) : index(line)

    with_fees = "#{remaining_capital_start(line)} * (1 + #{period_fees_rate(line)} + #{period_rate(line)})^#{index}"
    without_fees = "#{remaining_capital_start(line)} * (1 + #{period_rate(line)})^#{index}"
    current = "#{with_fees} - #{without_fees}"

    "=#{current} - #{capitalized_fees_start(line)}"
  elsif loan.deferred_and_capitalized > 0 && term > loan.deferred_and_capitalized
    index = first_term_skip ? loan.deferred_and_capitalized - 1 : loan.deferred_and_capitalized

    with_fees = "#{remaining_capital_start(line)} * (1 + #{period_rate(line)} + #{period_fees_rate(line)})^#{index} * (#{period_rate(line)} + #{period_fees_rate(line)})"
    without_fees = "#{remaining_capital_start(line)} * (1 + #{period_rate(line)})^#{index} * #{period_rate(line)}"

    "=#{with_fees} - #{without_fees}"
  else
    amount_to_capitalize = [
      '(',
      remaining_capital_start(line),
      '+',
      capitalized_interests_start(line),
      ')'
    ].join(' ')

    "=#{amount_to_capitalize} * #{period_fees_rate(line)}"
  end
end

#period_calculated_interests_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 70

def period_calculated_interests_formula(line:)
  amount_to_capitalize = [
    '(',
    remaining_capital_start(line),
    '+',
    capitalized_interests_start(line),
    ')'
  ].join(' ')

  "=#{amount_to_capitalize} * #{period_rate(line)}"
end

#period_capital_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 22

def period_capital_formula(line:)
  if line == loan.duration + 1
    "=ARRONDI(#{excel_float(loan.amount)} - #{total_paid_capital_end_of_period(line - 1)}; 2)"
  else
    "=ARRONDI(#{period_calculated_capital(line)} - #{period_reimbursed_capitalized_interests(line)} - #{period_reimbursed_capitalized_fees(line)}; 2)"
  end
end

#period_fees_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 162

def period_fees_formula(line:)
  term = line - 1
  if term <= loan.deferred_and_capitalized
    excel_float(0.0)
  else
    "=ARRONDI(#{period_calculated_fees(line)}; 2)"
  end
end

#period_fees_rate_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 230

def period_fees_rate_formula(line:)
  @interests_formula.period_fees_rate_formula(line: line)
end

#period_interests_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 30

def period_interests_formula(line:)
  term = line - 1
  if term <= loan.deferred_and_capitalized
    excel_float(0.0)
  else
    "=ARRONDI(#{period_calculated_interests(line)}; 2)"
  end
end

#period_leap_days_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 146

def period_leap_days_formula(line:)
  term = line - 1
  from = loan.due_on + ((term - 2) * loan.period_duration).months
  to = loan.due_on + ((term - 1) * loan.period_duration).months

  (from...to).sum { |d| d.leap? ? 1 : 0 }
end

#period_non_leap_days_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 154

def period_non_leap_days_formula(line:)
  term = line - 1
  from = loan.due_on + ((term - 2) * loan.period_duration).months
  to = loan.due_on + ((term - 1) * loan.period_duration).months

  (from...to).sum { |d| d.leap? ? 0 : 1 }
end

#period_rate_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 128

def period_rate_formula(line:)
  @interests_formula.period_rate_formula(line: line)
end

#period_reimbursed_capitalized_fees_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 221

def period_reimbursed_capitalized_fees_formula(line:)
  term = line - 1
  if term <= loan.total_deferred_duration
    excel_float(0.0)
  else
    "=ARRONDI(MIN(#{period_calculated_capital(line)}; #{capitalized_fees_start(line)}); 2)"
  end
end

#period_reimbursed_capitalized_interests_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 119

def period_reimbursed_capitalized_interests_formula(line:)
  term = line - 1
  if term <= loan.total_deferred_duration
    excel_float(0.0)
  else
    "=ARRONDI(MIN(#{period_calculated_capital(line)} - #{period_reimbursed_capitalized_fees(line)}; #{capitalized_interests_start(line)}); 2)"
  end
end

#period_reimbursed_guaranteed_fees_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 238

def period_reimbursed_guaranteed_fees_formula(line:)
  excel_float(0.0)
end

#period_reimbursed_guaranteed_interests_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 234

def period_reimbursed_guaranteed_interests_formula(line:)
  excel_float(0.0)
end

#period_theoric_interests_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 61

def period_theoric_interests_formula(line:)
  term = line - 1
  if term <= loan.deferred_and_capitalized
    excel_float(0.0)
  else
    "=#{period_calculated_interests(line)}"
  end
end

#period_total_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 39

def period_total_formula(line:)
  total = [
    period_capital(line),
    '+',
    period_interests(line),
    '+',
    period_reimbursed_capitalized_interests(line),
    '+',
    period_reimbursed_guaranteed_interests(line)
  ].join(' ')
  "=ARRONDI(#{total}; 2)"
end

#remaining_capital_end_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 88

def remaining_capital_end_formula(line:)
  "=#{excel_float(loan.amount)} - #{total_paid_capital_end_of_period(line)}"
end

#remaining_capital_start_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 82

def remaining_capital_start_formula(line:)
  return excel_float(loan.amount) if line == 2

  "=#{excel_float(loan.amount)} - #{total_paid_capital_end_of_period(line - 1)}"
end

#total_paid_capital_end_of_period_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 92

def total_paid_capital_end_of_period_formula(line:)
  return "=#{period_capital(line)}" if line == 2

  "=ARRONDI(SOMME(#{column_range(column: period_capital, upto: line)}); 2)"
end

#total_paid_interests_end_of_period_formula(line:) ⇒ Object 



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# File 'lib/blend_spreadsheet_loan_generator/formula.rb', line 98

def total_paid_interests_end_of_period_formula(line:)
  return "=#{period_interests(line)}" if line == 2

  "=ARRONDI(SOMME(#{column_range(column: period_interests, upto: line)}); 2)"
end