Add loan and credit card views (#1268)

* Add loan and credit card views

* Lint fix

* Clean up overview card markup

* Lint fix

* Test fix

app/models/account.rb

@@ -82,6 +82,10 @@ class Account < ApplicationRecord
     end
   end
 
+  def original_balance
+    balances.chronological.first&.balance || balance
+  end
+
   def owns_ticker?(ticker)
     security_id = Security.find_by(ticker: ticker)&.id
     entries.account_trades
@@ -93,6 +97,15 @@ class Account < ApplicationRecord
     classification == "asset" ? "up" : "down"
   end
 
+  def update_with_sync!(attributes)
+    transaction do
+      update!(attributes)
+      update_balance!(attributes[:balance]) if attributes[:balance]
+    end
+
+    sync_later
+  end
+
   def update_balance!(balance)
     valuation = entries.account_valuations.find_by(date: Date.current)
 

app/models/address.rb

@@ -1,9 +1,6 @@
 class Address < ApplicationRecord
   belongs_to :addressable, polymorphic: true
 
-  validates :line1, :locality, presence: true
-  validates :postal_code, presence: true, if: :postal_code_required?
-
   def to_s
     I18n.t("address.format",
       line1: line1,
@@ -15,10 +12,4 @@ class Address < ApplicationRecord
       postal_code: postal_code
     )
   end
-
-    private
-
-      def postal_code_required?
-        country.in?(%w[US CA GB])
-      end
 end

app/models/concerns/accountable.rb

@@ -28,7 +28,7 @@ module Accountable
     if balance_series.empty? && period.date_range.end == Date.current
       TimeSeries.new([ { date: Date.current, value: account.balance_money.exchange_to(currency) } ])
     else
-      TimeSeries.from_collection(balance_series, :balance_money)
+      TimeSeries.from_collection(balance_series, :balance_money, favorable_direction: account.asset? ? "up" : "down")
     end
   rescue Money::ConversionError
     TimeSeries.new([])

app/models/loan.rb

@@ -1,3 +1,15 @@
 class Loan < ApplicationRecord
   include Accountable
+
+  def monthly_payment
+    return nil if term_months.nil? || interest_rate.nil? || rate_type.nil? || rate_type != "fixed"
+    return Money.new(0, account.currency) if account.original_balance.zero? || term_months.zero?
+
+    annual_rate = interest_rate / 100.0
+    monthly_rate = annual_rate / 12.0
+
+    payment = (account.original_balance * monthly_rate * (1 + monthly_rate)**term_months) / ((1 + monthly_rate)**term_months - 1)
+
+    Money.new(payment.round, account.currency)
+  end
 end

app/models/time_series.rb

@@ -3,14 +3,14 @@ class TimeSeries
 
   attr_reader :values, :favorable_direction
 
-  def self.from_collection(collection, value_method)
+  def self.from_collection(collection, value_method, favorable_direction: "up")
     collection.map do |obj|
       {
         date: obj.date,
         value: obj.public_send(value_method),
         original: obj
       }
-    end.then { |data| new(data) }
+    end.then { |data| new(data, favorable_direction: favorable_direction) }
   end
 
   def initialize(data, favorable_direction: "up")