mortgage_calculator

Repository that calculate the mortgage roadmap of two types of mortgage calculators:

• Mortgage_Constant_ChargeOff: Mortgage roadmap where you pay an constat chart off each month
• Mortgage_Constant_Pay: Mortgage roadmap where you pay an constat fee each monthmap

How it work:

1. Create en python environent and install the package using de command:

   pip install mortgage-roadmap
   

2. Once you get installed the package you can import the packahe in the python module by:

   • import the classes:

     from mortgage_roadmap import ( Mortgage_Constant_ChargeOff, Mortgage_Constant_Pay )
     

   • import the module:

     import mortgage_roadmap 
     

Examples:

1. Basic exaple where we import the nodule with all the classes. Then we change the amount of units that we will as output. Thrn we create a dataframe as output an as last we export the information in an excel file

from mortgage_roadmap import *
Mortgage_Constant_ChargeOff.setDecimals(4)

a = Mortgage_Constant_ChargeOff(100000., 50, 4,8)

a.create_Dataframe

{'roadmap': [{'dept': 133543.56, 'charge_off': 1456.44, '.....'

a.create_XLSX_File('data/xlsx/mortgage_inform.xlsx')

Compatibility:

1. Dependency of this package:

   • sympy
   • basic-decorators

2. Optional Packages to use all features of this package:

   • pandas
   • openpyxl

Content:

• Mortgage_Constant_ChargeOff (class): Class that calculate an constant chargeoff Morgage:

  • Parameters:
    • INITIAL_DEPT ( int | float): Is the initial dept of the mortgage
    • QUOTAS ( int ): Number of quotas of the Mortgage
    • APR ( int | float): The interest that must be payed ofver an period of 12 months
  • Methods:
    • Strict Class Methods:
      • getDecimals(cls): strict class method that return the defined number of decimals as output of the calculations
      • setDecimals(cls, value: int): strict class method that is used to set the number of decimals as output of the calculations
    • Create or Build Informs:
      • create_Dataframe(self): Create an dataframe with all the information related with the mortgage
      • create_XLS_File(self, path: str): method that create an excel file with the extension '.xls'
      • create_XLSX_File(self, path: str): method that create an excel file with the extension '.xlsx'
      • create_CSV_File(self, path: str): method that create an comma separated csv file with the extension '.csv'
    • Getters:
      • self.number_of_decimals: get the number of decimals for the outputs
      • self.initial_dept: Is the initial dept of the mortgage
      • self.quotas: Number of quotas of the Mortgage
      • self.APR: The interest that must be payed ofver an period of 12 months
      • self.roadmap: Is the Mortgage roadmap of all the quotas
      • self.inform: dict taht include the roadmap but also all the other relevant information of the mortgage
      • self.total_interest_pay: That is total amout to pay in interest
      • self.total_pay: Is the total ampount to pay of the Mortgage (dept + interest_pay)
    • Setters:
      • self:number_of_decimals: Setter that define the number of decimals (integer) of the outputs

• Mortgage_Constant_Pay (class): Class that calculate an constant Pay Morgage:

  • Parameters:
    • INITIAL_DEPT ( int | float): Is the initial dept of the mortgage
    • QUOTAS ( int ): Number of quotas of the Mortgage
    • APR ( int | float): The interest that must be payed ofver an period of 12 months
  • Methods:
    • Strict Class Methods:
      • getDecimals(cls): strict class method that return the defined number of decimals as output of the calculations
      • setDecimals(cls, value: int): strict class method that is used to set the number of decimals as output of the calculations
    • Create or Build Informs:
      • create_Dataframe(self): Create an dataframe with all the information related with the mortgage
      • create_XLS_File(self, path: str): method that create an excel file with the extension '.xls'
      • create_XLSX_File(self, path: str): method that create an excel file with the extension '.xlsx'
      • create_CSV_File(self, path: str): method that create an comma separated csv file with the extension '.csv'
    • Getters:
      • self.number_of_decimals: get the number of decimals for the outputs
      • self.initial_dept: Is the initial dept of the mortgage
      • self.quotas: Number of quotas of the Mortgage
      • self.APR: The interest that must be payed ofver an period of 12 months
      • self.roadmap: Is the Mortgage roadmap of all the quotas
      • self.inform: dict taht include the roadmap but also all the other relevant information of the mortgage
      • self.total_interest_pay: That is total amout to pay in interest
      • self.total_pay: Is the total ampount to pay of the Mortgage (dept + interest_pay)
    • Setters:
      • self:number_of_decimals: Setter that define the number of decimals (integer) of the outputs