From d01fc15a98e5ede02e3f9aff04e3d4014e6e484c Mon Sep 17 00:00:00 2001 From: gonzo Date: Fri, 19 May 2023 17:18:57 +0200 Subject: added delays to loans --- mortgage_loan.c | 20 ++++++++++++++------ 1 file changed, 14 insertions(+), 6 deletions(-) (limited to 'mortgage_loan.c') diff --git a/mortgage_loan.c b/mortgage_loan.c index 386828a..2959214 100644 --- a/mortgage_loan.c +++ b/mortgage_loan.c @@ -2,14 +2,12 @@ contract *mort_init(int n, int d, float r, float P) { if ((n < 0)) return NULL; - if ((d > n)||(d < 0)) return NULL; + if ((d >= n)||(d < 0)) return NULL; contract *c = (contract *)calloc(1, sizeof(contract)); c->n = (unsigned int)n; c->d = (unsigned int)d; c->r = r; c->P = P; - c->A = - (P * r * powf(1.0f + r, (float)n)); - c->A = c->A / (1.0f - powf(1.0f + r, (float)n)); return c; } @@ -17,11 +15,21 @@ contract *mort_init(int n, int d, float r, float P) { float mort_update(contract *c) { if (c->k > c->n) return 0.0f; + + if (c->k == c->d) { + c->A = - (c->P * c->r * powf(1.0f + c->r, (float)(c->n - c->k))); + c->A = c->A / (1.0f - powf(1.0f + c->r, (float)(c->n - c->k))); + } c->k++; c->I = c->r * c->P; - c->D = c->A - c->I; - c->P = c->P - c->D; - /* c->A is fixed ! */ + + if (c->k <= c->d) + c->P += c->I; + else { + c->D = c->A - c->I; + c->P = c->P - c->D; + /* c->A is fixed ! */ + } return c->A; } -- cgit v1.2.3