Initial commit. Things dont work yet.

--
user: JohnKent
branch 'default'
added greenfield_mortgage.txt
added mortgage.py
added mortgage_template.py
added statement.pdf.jinja
added statement.txt.jinja

greenfield_mortgage.txt

@@ -0,0 +1,25 @@
+{
+"principal": 97750.00,
+"interest rate": 5.5,
+"periods per year": 12,
+"periods": 182,
+"start date": "2017-11-07",
+"start_interest_date": "2017-11-11",
+"first payment month": "2017-12-15",
+"monthly_payment": 803.00,
+"payment day of month": "15",
+"payments": [
+   ["2017-12-11", "803.00"],
+   ["2018-01-23", "803.00"],
+   ["2018-03-23", "803.00"],
+   ["2018-04-18", "803.00"],
+   ["2018-04-26", "803.00"],
+   ["2018-05-15", "0.00"],
+   ["2018-06-15", "0.00"],
+   ["2018-07-12", "803.00"],
+   ["2018-08-07", "803.00"],
+   ["2018-09-06", "803.00"],
+   ["2018-10-11", "803.00"],
+   ["2018-11-13", "803.00"]
+ ]
+}

mortgage.py

@@ -0,0 +1,130 @@
+import json
+from decimal import *
+from datetime import *
+
+# this program reads the json file describing a mortgage and calculate the actual and projected amortization
+# the first payment in the file should be the interest paid at closing
+# the interest at closing covers interest that would be incurred from the date of closing until the first day
+# that will be covered by the first loan payment
+# i.e., the first loan payment is expected a month and a half after closing, the first two weeks interest is due
+# at closing.  The first payment will incur interest from one month before the bill is due.
+
+#read in the file
+#filename = "./10Kloan.txt"
+filename = "./dadmortgage.txt"
+#filename = "./brendamortgage.txt"
+#filename = "./greenfield_mortgage.txt"
+
+if filename:
+    with open(filename, 'r') as f:
+        datastore = json.load(f)
+
+#read in the loan profile information
+annual_rate = Decimal(datastore['interest rate'])/100
+daily_interest_rate = annual_rate/360
+principal = Decimal(datastore["principal"]).quantize(Decimal("1.00"))
+periods_per_year = Decimal(datastore["periods per year"])
+total_periods = Decimal(datastore["periods"])
+payment_day_of_month = int(datastore['payment day of month'])
+
+if "monthly_payment" in datastore:
+    monthly_payment = Decimal(datastore["monthly_payment"]).quantize(Decimal("1.00"))
+else:
+    #calculate expected monthly payment
+    periodic_rate = annual_rate/periods_per_year
+    discount_factor = (((1+periodic_rate)**total_periods)-1) / (periodic_rate * ((1+periodic_rate)**total_periods))
+    monthly_payment = (principal / discount_factor).quantize(Decimal("1.00"))
+
+
+
+print "Principal: ", principal
+print "Interest Rate: ", annual_rate
+print "Payments Per Year: ", periods_per_year
+print "Loan Term: ", total_periods
+print "Monthly Payment", monthly_payment
+print "Payments due day: ", payment_day_of_month
+
+print
+
+#loop over the payments and calculate the actual amortization
+actual_payments = datastore["payments"]
+
+remaining_principal = principal
+annual_interest = 0
+total_interest = 0
+
+interest_paid_through_date = datetime.strptime(datastore["start_interest_date"], "%Y-%m-%d").date()
+next_payment_date = datetime.strptime(datastore["first payment month"], '%Y-%m-%d').date()
+next_bill_date = date(year=next_payment_date.year, month=next_payment_date.month, day=payment_day_of_month)
+old_bill_date = next_bill_date
+payment_number = 1
+current_year = next_bill_date.year
+
+print "Payment History:"
+print "\tBill\t\t\tPayment\tDays of\tPayment\t\tRemaining\t\tPrincipal\tInterest\t\t\tNew"
+print "#\tDate\t\t\tDate\tInterst\tAmount\t\tPrincipal\t\tPayment\t\tPayment\t\t\tBalance"
+for payment in actual_payments:
+    payment_date = datetime.strptime((payment[0]), '%Y-%m-%d').date()
+    payment_amount = Decimal(payment[1]).quantize(Decimal("1.00"))
+    #print next_bill_date, "\t", next_payment_date, "\t",
+    days_since_last_payment = (payment_date-interest_paid_through_date).days
+    #print days_since_last_payment
+    new_interest = (days_since_last_payment * remaining_principal * daily_interest_rate).quantize(Decimal("0.00"))
+#   new_principal = monthly_payment - new_interest
+    new_principal = payment_amount - new_interest
+
+    print payment_number, " ", next_bill_date, "\t\t", payment_date, "\t", days_since_last_payment, "\t", payment_amount, "\t\t\t", remaining_principal, "\t\t", new_principal,\
+        "\t\t", new_interest,
+
+    interest_paid_through_date = payment_date
+    total_interest = total_interest + new_interest
+    annual_interest=annual_interest+new_interest
+    remaining_principal = remaining_principal - new_principal
+    print "\t\t\t", remaining_principal
+    payment_number=payment_number+1
+    old_bill_date = next_bill_date
+
+    if old_bill_date.month < 12:
+        next_bill_date = date(year=old_bill_date.year, month = old_bill_date.month + 1, day=payment_day_of_month)
+        print "Total interest paid to date for", old_bill_date.year, " is", annual_interest
+    else:
+        next_bill_date = date(year=old_bill_date.year+1, month = 1, day=payment_day_of_month)
+        print "Total interest for ", old_bill_date.year, " was ", annual_interest
+        annual_interest = 0
+
+print "Total interest paid to date on this loan is", total_interest
+
+#loop over remaining scheduled payments and present estimated amortization
+print "\nEstimated future amortization"
+
+while (payment_number <= total_periods) and (remaining_principal > 0):
+    print payment_number, "\t",
+    payment_number = payment_number+1
+
+    print next_bill_date,
+
+    days_since_last_payment = (next_bill_date-interest_paid_through_date).days
+    print days_since_last_payment, "\t",
+    new_interest = (days_since_last_payment * remaining_principal * daily_interest_rate).quantize(Decimal("0.00"))
+
+    #make sure the last payment isn't too much
+    if new_interest+remaining_principal < monthly_payment:
+        monthly_payment = new_interest + remaining_principal
+
+    new_principal = monthly_payment - new_interest
+
+    print monthly_payment, "\t\t\t", remaining_principal, "\t\t", new_principal,\
+        "\t\t", new_interest,
+
+    remaining_principal = remaining_principal - new_principal
+    print "\t", remaining_principal
+
+    interest_paid_through_date = next_bill_date
+    old_bill_date = next_bill_date
+    if old_bill_date.month < 12:
+        next_bill_date = date(year=old_bill_date.year, month = old_bill_date.month + 1, day=payment_day_of_month)
+    else:
+        next_bill_date = date(year=old_bill_date.year+1, month = 1, day=payment_day_of_month)
+
+if remaining_principal > 0:
+    print 'Balloon payment due:', remaining_principal

mortgage_template.py

@@ -0,0 +1,290 @@
+import json
+from decimal import *
+from datetime import *
+from jinja2 import Environment, FileSystemLoader
+from fpdf import FPDF, HTMLMixin
+import smtplib
+from email.MIMEMultipart import MIMEMultipart
+from email.MIMEText import MIMEText
+from email.MIMEBase import MIMEBase
+from email import Encoders
+
+def loadLoanInformation(filename):
+
+    datastore = getDataStore(filename)
+
+    loanModel['loan'] = getLoan(dataStore)
+    loanModel['lender'] = getLender(datastore)
+    loanModel['borrower'] = getBorrower(datastore)
+    loanModel['paymentHistory'] = getPaymentHistory(datastore, loan, asOfDate)
+    loanModel['futureAmortization'] = getAmortization(datastore, loan, paymentHistory)
+    return loanModel
+
+def getLoan(datastore):
+    # read in the loan profile information
+
+    annual_rate = Decimal(datastore['loan.interest rate']) / 100
+    daily_interest_rate = annual_rate / 360
+    principal = Decimal(datastore["loan.principal"]).quantize(Decimal("1.00"))
+    periods_per_year = Decimal(datastore["loan.periods per year"])
+    total_periods = Decimal(datastore["loan.periods"])
+    payment_day_of_month = int(datastore['loan.payment day of month'])
+
+    if "monthly_payment" in datastore:
+        monthly_payment = Decimal(datastore["monthly_payment"]).quantize(Decimal("1.00"))
+    else:
+        # calculate expected monthly payment
+        periodic_rate = annual_rate / periods_per_year
+        discount_factor = (((1 + periodic_rate) ** total_periods) - 1) / (
+                periodic_rate * ((1 + periodic_rate) ** total_periods))
+        monthly_payment = (principal / discount_factor).quantize(Decimal("1.00"))
+
+    loan['loan.account_number'] = '123456789'
+    loan['principal'] = principal
+    loan['term'] = total_periods
+    loan['annual_rate'] = annual_rate
+    loan['daily_interest_rate'] = daily_interest_rate
+    loan['rate'] = '' + (annual_rate * 100).__str__() + '%'
+    loan['next_payment_amt'] = 0
+    loan['next_payment_date'] = '12/12/12'
+    return loan
+
+def getLender(datastore):
+    #to be replaced with real loading code
+    lender['name'] = 'Rivanna Graphite Investments, LLC'
+    lender['phone'] = '703.343.0782'
+    lender['address'] = '743 Madison St NW'
+    lender['city'] = 'Washington'
+    lender['state'] = 'DC'
+    lender['zip'] = '20011'
+    return getLender
+
+def getBorrower(datastore):
+    #to be replaced with real loading code
+    borrower['name'] = 'Bear Houses, LLC'
+    borrower['address'] = '123 Any Street'
+    borrower['city'] = 'Alltown'
+    borrower['state'] = 'VA'
+    borrower['zip'] = '11111'
+    return borrower
+
+def getDataStore(filename=None):
+    try:
+        if filename:
+            with open(filename, 'r') as f:
+                datastore = json.load(f)
+
+    except Exception as e:
+        print "An error occurred opening your loan file '#s'. " % filename
+        print "The Exception:"
+        print e.__repr__()
+        quit()
+
+    return datastore
+
+
+def calculateLoanAmortization(loanModel):
+
+
+    return loanModel
+
+def transformTemplate(template_fileName, loanModel):
+    # template_filename = "statement.txt.jinja"
+    # setup jinja for creating the statement
+    env = Environment(loader=FileSystemLoader('.'))
+    template = env.get_template(template_fileName)
+
+    report = template.render(original_principal_balance=principal, future_payments=future_payments, \
+                           past_payments=past_payments, balloon_payment=remaining_principal, \
+                           total_interest_paid_to_date=total_interest, statement=statement)
+    return report
+
+def generatePDFStatement():
+    template_filename = "statement.pdf.jinja"
+    pass
+
+def generateHTMLStatement():
+    pass
+
+def generateTextStatement():
+    pass
+
+def generateEmail(from_address, to_address, subject, body, attachment):
+    msg = MIMEMultipart()
+    msg['Subject'] = subject
+    msg['From'] = from_address
+    msg['To'] = to_address
+
+    msg.attach(MIMEText(body))
+
+    part = MIMEBase('application', "octet-stream")
+    part.set_payload(attachment)
+    Encoders.encode_base64(part)
+
+    part.add_header('Content-Disposition', 'attachment; filename="statement.pdf"')
+
+    msg.attach(part)
+    return msg
+
+def main():
+    # this program reads the json file describing a mortgage and calculate the actual and projected amortization
+    # the first payment in the file should be the interest paid at closing
+    # the interest at closing covers interest that would be incurred from the date of closing until the first day
+    # that will be covered by the first loan payment
+    # i.e., the first loan payment is expected a month and a half after closing, the first two weeks interest is due
+    # at closing.  The first payment will incur interest from one month before the bill is due.
+
+    from_address = 'jkent3rd@gmail.com'
+    passwd = "pvyrbcnzrjoizprn"
+    subject = "Mortgage or Loan Statement"
+    to_address = 'jkent3rd@gmail.com'
+    body = 'This email contains a PDF of your mortgage statement.'
+
+    # read in the file
+    # filename = "./10Kloan.txt"
+    # filename = "./10Kloan.test.txt"
+    # filename = "./dadmortgage.txt"
+    # filename = "./brendamortgage.txt"
+    filename = "./greenfield_mortgage.txt"
+    template_filename = "statement.pdf.jinja"
+
+    loanInformation = loadLoanInformation(filename)
+
+    loanModel = calculateLoanAmortization(loanInformation)
+
+    # read in the statement information
+    statement, lender, borrower, loan = {}, {}, {}, {}
+    lender = loanModel.lender
+    borrower = loanModel.borrower
+    past_payments = loadModel.past_payments
+    future_payments = loanModel.future_payments
+
+    statement['title'] = "Mortgage Statement - 185 James River Rd"
+    statement['date'] = "Today"
+    statement['lender'] = lender
+    statement['borrower'] = borrower
+    statement['loan'] = loan
+
+    # loop over the payments and calculate the actual amortization
+    actual_payments = loanModel["payments"]
+
+    remaining_principal = principal
+    annual_interest = 0
+    total_interest = 0
+
+    interest_paid_through_date = datetime.strptime(loanModel["start_interest_date"], "%Y-%m-%d").date()
+    next_payment_date = datetime.strptime(loanModel["first payment month"], '%Y-%m-%d').date()
+    next_bill_date = date(year=next_payment_date.year, month=next_payment_date.month, day=payment_day_of_month)
+    old_bill_date = next_bill_date
+    payment_number = 1
+    current_year = next_bill_date.year
+
+    for payment in actual_payments:
+        payment_date = datetime.strptime((payment[0]), '%Y-%m-%d').date()
+        payment_amount = Decimal(payment[1]).quantize(Decimal("1.00"))
+        days_since_last_payment = (payment_date - interest_paid_through_date).days
+        new_interest = (days_since_last_payment * remaining_principal * daily_interest_rate).quantize(Decimal("0.00"))
+        new_principal = payment_amount - new_interest
+        interest_paid_through_date = payment_date
+        total_interest = total_interest + new_interest
+        annual_interest = annual_interest + new_interest
+        remaining_principal = remaining_principal - new_principal
+
+        # create the payment record for the template to render
+        payment_record = {}
+        payment_record['payment_number'] = payment_number
+        payment_record['bill_date'] = next_bill_date
+        payment_record['payment_date'] = payment_date
+        payment_record['days_of_interest'] = days_since_last_payment
+        payment_record['payment_amount'] = payment_amount
+        payment_record['principal_payment'] = payment_amount - new_interest
+        payment_record['interest_payment'] = new_interest
+        payment_record['new_balance'] = remaining_principal
+        payment_record['interest_to_date'] = total_interest
+        payment_record['annual_interest_to_date'] = annual_interest
+        past_payments.append(payment_record)
+
+        payment_number = payment_number + 1
+        old_bill_date = next_bill_date
+
+        if old_bill_date.month < 12:
+            next_bill_date = date(year=old_bill_date.year, month=old_bill_date.month + 1, day=payment_day_of_month)
+        else:
+            annual_interest_record['year'] = old_bill_date.year
+            annual_interest_record['interest'] = annual_interest
+            past_interest.append(annual_interest_record)
+            next_bill_date = date(year=old_bill_date.year + 1, month=1, day=payment_day_of_month)
+            payment_record['print_interest_total'] = True
+            payment_record[
+                'interest_total_message'] = "Total interest for " + old_bill_date.year.__str__() + " was $" + annual_interest.__str__()
+            annual_interest = 0
+
+    if old_bill_date.month < 12:
+        payment_record['print_interest_total'] = True
+        payment_record[
+            'interest_total_message'] = "Total interest to date for " + old_bill_date.year.__str__() + " is $" + annual_interest.__str__()
+
+    # loop over remaining scheduled payments and present estimated amortization
+    while (payment_number <= total_periods) and (remaining_principal > 0):
+        days_since_last_payment = (next_bill_date - interest_paid_through_date).days
+        new_interest = (days_since_last_payment * remaining_principal * daily_interest_rate).quantize(Decimal("0.00"))
+
+        # make sure the last payment isn't too much
+        if new_interest + remaining_principal < monthly_payment:
+            monthly_payment = new_interest + remaining_principal
+
+        new_principal = monthly_payment - new_interest
+
+        remaining_principal = remaining_principal - new_principal
+
+        interest_paid_through_date = next_bill_date
+
+        # complete the future payment amortization record
+        future_payment_record = {}
+        future_payment_record['payment_number'] = payment_number
+        future_payment_record['payment_date'] = next_bill_date
+        future_payment_record['days_of_interest'] = days_since_last_payment
+        future_payment_record['payment_amount'] = monthly_payment
+        future_payment_record['principal_payment'] = new_interest
+        future_payment_record['interest_payment'] = new_interest
+        future_payment_record['new_balance'] = remaining_principal
+        future_payments.append(future_payment_record)
+
+        payment_number = payment_number + 1
+        old_bill_date = next_bill_date
+        if old_bill_date.month < 12:
+            next_bill_date = date(year=old_bill_date.year, month=old_bill_date.month + 1, day=payment_day_of_month)
+        else:
+            next_bill_date = date(year=old_bill_date.year + 1, month=1, day=payment_day_of_month)
+
+    report = transformTemplate('',loanModel)
+
+    # create pdf
+    class MyFPDF(FPDF, HTMLMixin):
+        pass
+
+    pdf = MyFPDF()
+    pdf.set_font(family='Arial', size=12)
+    pdf.add_page()
+    pdf.write_html(report)
+    # pdf.output(name='test.pdf', dest='F')
+    attachment = pdf.output(dest='S')
+
+    # send email
+    try:
+        server = smtplib.SMTP('smtp.gmail.com', 587)
+        server.ehlo()
+        server.starttls()
+        server.login(from_address, passwd)
+
+        email = generateEmail(from_address, to_address, subject, body, attachment)
+        server.sendmail(from_address, to_address, email.as_string())
+        server.close()
+    except:
+        print "Couldn't send email, dumping statement to file."
+        pdf.output(name='test.pdf', dest='F')
+        quit()
+
+
+if __name__ == '__main__':
+    main()

statement.pdf.jinja

@@ -0,0 +1,82 @@
+<html>
+<body>
+<font face='arial' size='14'><p align='center'>{{ statement.title }}</p></font>
+<font face='arial' size='10'><p align='center'>{{ statement.lender.name }}</p></font>
+<font face='arial' size='8'>
+<p align='center'>{{ statement.lender.phone }} - {{ statement.lender.address }} -
+{{ statement.lender.city }} {{statement.lender.state }} {{ statement.lender.zip }}</p>
+<p align='right'>Statement Date: {{ statement.date }}</p>
+
+<p/>
+<table>
+<thead><tr><th width='45%' align='left'>Loan Information</th><th width='45%'>&nbsp;</th></tr></thead>
+<tbody>
+    <tr><td>Borrower: {{ statement.borrower.name }}&nbsp;</td> <td>Account Number: {{ statement.loan.account_number }}</td></tr>
+    <tr><td>{{ statement.borrower.address }}&nbsp;</td> <td>Origination Date: {{ statement.loan.origination_date  }}</td></tr>
+    <tr><td>{{ statement.borrower.city }}, {{statement.borrower.state }} {{ statement.borrower.zip }}</td>
+       <td>Original Principal: {{ "$%.2f"|format(statement.loan.principal) }}</td></tr>
+    <tr><td>Rate: {{statement.loan.rate }} </td> <td>Term: {{statement.loan.term }} months </td></tr>
+    <tr><td>Next Payment Due Date: {{statement.loan.next_due_date}} </td> <td>Payment Due: {{ "$%.2f"|format(statement.loan.next_payment_amt) }} </td></tr>
+</tbody>
+</table>
+<p/>
+<p class='section_header' color='red'><font face='arial' size='14'>Payment History</font></p>
+<table>
+<thead><tr>
+    <th width='5%'>#</td>
+    <th width='10%'>Due Date</th>
+    <th width='10%'>Date Paid</th>
+    <th width='10%'>Days Interest</th>
+    <th width='15%' align='right'>Payment Amt</th>
+    <th width='15%' align='right'>Principal Pmt</th>
+    <th width='15%' align='right'>Interest Pmt</th>
+    <th width='20%' align='right'>New Balance</th>
+</tr></thead>
+<tbody>
+{% for item in past_payments %}
+<tr><td align='center'> {{ item.payment_number }} </td>
+    <td align='center'> {{ item.bill_date }} </td>
+    <td align='center'> {{ item.payment_date }} </td>
+    <td align='center'> {{ item.days_of_interest }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.payment_amount) }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.principal_payment) }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.interest_payment) }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.new_balance) }} </td>
+</tr>
+    {% if item.print_interest_total %}
+<tr><td colspan='8'"> {{ item.interest_total_message }} </td></tr>
+    {% endif %}
+{% endfor %}
+</tbody>
+</table>
+<p>Total interest paid to date is {{ "$%.2f"|format(total_interest_paid_to_date) }}.</p>
+<p/> <p/>
+
+<p class='section_header'><font face='arial' size='14'>Remaining Amortization</font></p>
+<table>
+<thead><tr>
+    <th width='8%'>#</th>
+    <th width='15%'>Due Date</th>
+    <th width='8%'>Days Interest</th>
+    <th width='15%' align='right'>Payment Amt</th>
+    <th width='15%' align='right'>Principal Pmt</th>
+    <th width='15%' align='right'>Interest Pmt</th>
+    <th width='20%' align='right'>Principal Balance</th>
+</tr></thead>
+<tbody>
+{% for item in future_payments %}
+<tr><td align='center'> {{ item.payment_number }} </td>
+    <td align='center'> {{ item.payment_date }} </td>
+    <td align='center'> {{ item.days_of_interest }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.payment_amount) }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.principal_payment) }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.interest_payment) }} </td>
+    <td align='right'> {{ "$%.2f"|format(item.new_balance) }} </td>
+    </tr>
+{% endfor %}
+</tbody>
+</table>
+<p>Balloon Payment Due: {{ "$%.2f"|format(balloon_payment) }} </p>
+</font>
+</body>
+</html>

statement.txt.jinja

@@ -0,0 +1,49 @@
+Original Principal Balance: {{ original_principal_balance }}
+
+Payment History
+    #\tBill Date
+    Payment Date
+    Days of Interest
+    Payment Amount
+    Principal Payment
+    Interest Payment
+    New Balance
+
+{% for item in past_payments %}
+{{ item.payment_number }}
+{{ item.bill_date }}
+{{ item.payment_date }}
+{{ item.days_of_interest }}
+{{ item.payment_amount }}
+{{ item.principal_payment }}
+{{ item.interest_payment }}
+{{ item.new_balance }}
+
+    {% if item.print_interest_total %}
+        {{ item.interest_total_message }}
+    {% endif %}
+{% endfor %}
+Total interest paid to date is {{ total_interest_paid_to_date }}.
+
+
+Remaining Amortization
+    #
+    Days of Interest
+    Due Date
+    Payment Amount
+    Scheduled Principal Payment
+    Scheduled Interest Payment
+    Expected New Balance
+
+{% for item in future_payments %}
+{{ item.payment_number }}
+{{ item.days_of_interest }}
+{{ item.payment_date }}
+{{ item.payment_amount }}
+{{ item.principal_payment }}
+{{ item.interest_payment }}
+{{ item.new_balance }}
+{% endfor %}
+    
+Balloon Payment Due: {{ balloon_payment }} 
+