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03a146222d
Breaks our Plaid sync process out into more manageable classes. Notably, this moves the sync process to a distinct, 2-step flow: 1. Import stage - we first make API calls and import Plaid data to "mirror" tables 2. Processing stage - read the raw data, apply business rules, build internal domain models and sync balances This provides several benefits: - Plaid syncs can now be "replayed" without fetching API data again - Mirror tables provide better audit and debugging capabilities - Eliminates the "all or nothing" sync behavior that is currently in place, which is brittle
44 lines
1.1 KiB
Ruby
44 lines
1.1 KiB
Ruby
class Loan < ApplicationRecord
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include Accountable
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SUBTYPES = {
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"mortgage" => { short: "Mortgage", long: "Mortgage" },
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"student" => { short: "Student", long: "Student Loan" },
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"auto" => { short: "Auto", long: "Auto Loan" },
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"other" => { short: "Other", long: "Other Loan" }
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}.freeze
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def monthly_payment
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return nil if term_months.nil? || interest_rate.nil? || rate_type.nil? || rate_type != "fixed"
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return Money.new(0, account.currency) if account.loan.original_balance.amount.zero? || term_months.zero?
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annual_rate = interest_rate / 100.0
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monthly_rate = annual_rate / 12.0
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if monthly_rate.zero?
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payment = account.loan.original_balance.amount / term_months
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else
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payment = (account.loan.original_balance.amount * monthly_rate * (1 + monthly_rate)**term_months) / ((1 + monthly_rate)**term_months - 1)
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end
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Money.new(payment.round, account.currency)
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end
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def original_balance
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Money.new(account.first_valuation_amount, account.currency)
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end
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class << self
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def color
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"#D444F1"
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end
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def icon
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"hand-coins"
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end
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def classification
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"liability"
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end
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end
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end
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