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https://github.com/maybe-finance/maybe.git
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e8e100e1d8
* Move accountable partials * Split accountables into separate view partials * Fix test * Add form to permitted partials * Fix failing system tests * Update new account modal views * New sync algorithm implementation * Update account system test assertions to match new behavior * Fix off by 1 date error * Revert new balance sync algorithm * Add missing account overviews
23 lines
694 B
Ruby
23 lines
694 B
Ruby
class Loan < ApplicationRecord
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include Accountable
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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.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.original_balance.amount / term_months
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else
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payment = (account.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 color
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"#D444F1"
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end
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end
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