@Test public void testGetPaymentsAmortizedWithOverPayment() { AmortizationAttributes amAttrs = generateAmortizationAttributesObjectTemplate(); amAttrs.setLoanAmount(ofUSD(10000)); amAttrs.setInterestRateAsPercent(3.); amAttrs.setInterestOnly(false); amAttrs.setRegularPayment(ofUSD(400)); amAttrs.setPaymentFrequency(TimePeriod.SemiMonthly.getPeriodsPerYear()); int termInMonths = 24; amAttrs.setTermInMonths(termInMonths); amAttrs.setAmortizationPeriodInMonths(24); amAttrs.setCompoundingPeriodsPerYear(2); List<ScheduledPayment> schedule = AmortizationCalculator.generateSchedule(amAttrs); assertEquals( "Amortized payment count", amAttrs.getPaymentFrequency() * termInMonths / 12, schedule.size()); MonetaryAmount interestTotal = schedule.stream().map(payment -> payment.getInterest()).reduce((a, b) -> a.add(b)).get(); assertEquals("Amortized Interest total", ofUSD(164.81), interestTotal); }
@Test public void testGenerateScheduleInterestOnlyArrayBounds() { AmortizationAttributes amAttrs = generateAmortizationAttributesObjectTemplate(); amAttrs.setLoanAmount(ofUSD(10000)); amAttrs.setInterestRateAsPercent(12.); amAttrs.setInterestOnly(true); amAttrs.setPaymentFrequency(TimePeriod.Weekly.getPeriodsPerYear()); int termInMonths = 24; amAttrs.setTermInMonths(termInMonths); amAttrs.setAdjustmentDate(LocalDate.of(2016, Month.JANUARY, 1)); List<ScheduledPayment> schedule = AmortizationCalculator.generateSchedule(amAttrs); try { schedule.get(-1); fail("Interest only schedule should not allow negative payment number"); } catch (IndexOutOfBoundsException iobe) { } int expectedPayments = (int) Math.ceil(amAttrs.getPaymentFrequency() * amAttrs.getTermInMonths() / 12.); try { schedule.get(expectedPayments); fail("Interest only schedule should not allow payments beyond schedule bound"); } catch (IndexOutOfBoundsException iobe) { } schedule.get(expectedPayments - 1); }