int main() {
Mortgage first(10000, 5.0, 500) ; //uses non-default constructor
Mortgage second ; //uses default constructor, mortage for $100,000 at 4.5% interest and $2,500 payment
second.credit(10000) ;
cout << "Current balance after rediting second mortgage 10K: " << second.getPrincipal() << endl ;
cout << "Amortization schedule for first mortgage:" << endl ;
first.amortize() ;
}
int main(void) {
double creditAmount = 10000;
Mortgage defaultMortgage; //creates default-initialized object
Mortgage secondMortgage(100000, 5.0, 500); //creates non-default object
secondMortgage.credit(creditAmount); //credits account
cout << fixed << setprecision(2) << "Current balance after crediting account $" << creditAmount;
cout << fixed << setprecision(2) << ": $" << secondMortgage.getPrincipal() << endl;
cout << "Amortization schedule for first mortgage: " << endl;
defaultMortgage.amortize();
return 0;
}
int main(){
Mortgage first(10000,5.0,500); //Normal mortgage
Mortgage second; //Default constructor
Mortgage bad(10000,-5,12); //Invalid mortgage (will give error message as soon as the program hits this line.)
second.credit(10000); //Credits the second mortgage (reduces the total from $100,000 to $90,000
cout <<"Current balance after crediting second mortgage: "<<second.getPrincipal()<<endl; //Print this to the user
cout<<"Amortization schedule for the first mortgage:"<<endl;
first.amortize(); //Display the amortization table for the first mortgage.
}
int main () {
//create four new mortgages, one using default constructor, two display error message
Mortgage one(300000,.01,3200);//this one will work
cout << "Mortgage two: ";
Mortgage two(100000,.5,200); //this one has a rate too large for the monthly payment and will display an error message
cout << "Mortgage three: ";
Mortgage three(100000,-2,500);//will display negative rate error
Mortgage four; //default constructor, will have 100000 with 5% and $500 payment
one.credit(50000);//This credits the first mortgage $50,000, will reduce initial principle to $250,000
cout << "Fourth mortgage balance: $" << four.getPrincipal() << endl;
cout << "Current balance after crediting mortgage one 50K: $" << one.getPrincipal() << endl;
cout << "Amortization schedule for first mortgage:" << endl;
one.amortize();
}
/********************************************************************
Function Name: MortgageCalculator::reportMortgageDetails
Function Description: displays the details of the mortgage the user
has input
**********************************************************************/
void MortgageCalculator::reportMortgageDetails()
{
// amortize a mortgage and get the monthly payment
Mortgage mortgage = Mortgage(m_principalAmount, m_interestRate, m_term);
const double monthlyPayment = mortgage.getMonthlyPayment();
// display a nice report tot he user
cout << endl
<< fixed << setprecision(2) // all numbers as fixed-point with 2 digits
<< setw(24) << left << "Term in Years:"
<< " " << setw(7) << right << m_term << endl
<< setw(24) << left << "Interest Rate:"
<< " " << setw(10) << right << m_interestRate << "%" << endl
<< setw(24) << left << "Mortgage Principal:"
<< "$" << setw(10) << right << m_principalAmount << endl
<< setw(24) << left << "Monthly Payment:"
<< "$" << setw(10) << right << monthlyPayment
<< endl << endl;
}
int main(){
Mortgage myMort;
double amount;
double ir;
int years;
double term;
cout << "Enter total loan amount :" << endl;
cin >> amount;
myMort.set_loan(amount);
cout << "Enter interest rate :" << endl;
cin >> ir;
myMort.set_interest(ir);
cout << "Enter number of years :" << endl;
cin >> years;
myMort.set_years(years);
term = (1 + ir/12) * pow (12, years);
cout << "Your monthly payment will be :" << myMort.getmonthlypayment(term);
cout << "Your total payment will be :" << myMort.getpay();
}
int main()
{
Mortgage first; // using default constructor
Mortgage second( 10000, 5, 500 ); // using non-default constructor
cout << "\nError-check on invalid principal: ";
Mortgage error1( -10000, 5, 500 ); // testing for error from invalid principal amount (negative)
cout << "Error-check on invalid interest (below 0): ";
Mortgage error2_1( 10000, -5, 500 ); // testing for error from invalid interest rate (below 0)
cout << "Error-check on invalid interest (above 100): ";
Mortgage error2_2( 10000, 105, 500 ); // testing for error from invalid interest rate (above 100)
cout << "Error-check on invalid payment: ";
Mortgage error3( 10000, 5, -500 ); // testing for error from invalid payment amount (negative)
cout << "Error-check on multiple constructing invalidities: ";
Mortgage error4( -100, -5, -50 ); // testing for multiple invalid inputs
cout << "\nInitial principal of first mortgage: " << first.getPrincipal() << endl;
first.credit( 10000 ); // credit the first mortgage with a $10000 payment
cout << "Initial principal of a formerly invalid mortgage: " << error1.getPrincipal() << endl;
error1.credit( 1000 );
cout << "\nPrincipal of the first mortgage after a $10000 credit: " << first.getPrincipal() << endl;
cout << "Principal of the formerly invalid mortgage after a $1000 credit: " << error1.getPrincipal() << endl;
cout << "Error-check on invalid credit: ";
first.credit( -1000 ); // testing for error from invalid credit amount (negative)
Mortgage error5( 0, 5, 5 );
cout << "Error-check on paid-off mortgage: ";
error5.credit( 100 ); // testing for error when attempting to credit a mortgage that has been paid off
cout << "\nAmortization table of the second mortgage:" << endl;
second.amortize();
}
QDataStream& MtgCalculator::LoadOldVersion(QDataStream& stream) {
Q_D(MtgCalculator);
RETURN_WHEN_RUNNING(true, stream)
Reset();
qint32 tempInt, TempKey;
stream >> tempInt;
stream >> d->m_UseStoredCashFlows;
stream >> d->m_CPRass;
stream >> d->m_CDRass;
stream >> d->m_LSass;
stream >> d->m_RecoveryLag;
stream >> d->m_Delinquency;
stream >> d->m_DelinquencyLag;
stream >> d->StartDate;
Mortgage TmpMtg;
while (tempInt--) {
stream >> TempKey;
TmpMtg.SetLoadProtocolVersion(loadProtocolVersion());
stream >> TmpMtg;
SetLoan(TmpMtg, TempKey);
}
return TemplAsyncCalculator<MtgCalculatorThread, MtgCashFlow>::LoadOldVersion(stream);
}
/********************************************************************
Function Name: MortgageCalculator::reportMortgageDetails
Function Description: displays the details of the mortgage the user
has input
**********************************************************************/
void MortgageCalculator::reportMortgageDetails()
{
// amortize a mortgage and get the monthly payment
Mortgage mortgage = Mortgage(m_interestRate, m_term, m_principalAmount);
const double monthlyPayment = mortgage.getMonthlyPayment();
const int numberOfPayments = mortgage.getNumberOfPayments();
// display a nice report to the user
cout << endl
<< fixed << setprecision(2) // all numbers as fixed-point with 2 digits
<< setw(24) << left << "Term in Years:"
<< " " << setw(7) << right << m_term << endl
<< setw(24) << left << "Interest Rate:"
<< " " << setw(10) << right << m_interestRate << "%" << endl
<< setw(24) << left << "Mortgage Principal:"
<< "$" << setw(10) << right << m_principalAmount << endl
<< setw(24) << left << "Monthly Payment:"
<< "$" << setw(10) << right << monthlyPayment << endl
<< endl;
// print a payment breakdown by month
printBreakdownHeader(1, monthlyPayment);
for (int month = 1; month <= numberOfPayments; month++)
{
const double interestPayment = mortgage.getInterestPayment(month);
const double principalPayment = mortgage.getPrincipalPayment(month);
const double remainingBalance = mortgage.getRemainingBalance(month);
cout << setw(10) << right << month
<< " "
<< "$" << setw(10) << right << interestPayment
<< " "
<< "$" << setw(10) << right << principalPayment
<< " "
<< "$" << setw(10) << right << remainingBalance
<< endl;
// pause and print a new header every year
if ((month % Mortgage::MONTHS_IN_YEAR) == 0 && month < numberOfPayments)
{
pausePrompt();
printBreakdownHeader(month / Mortgage::MONTHS_IN_YEAR + 1, monthlyPayment);
}
}
}
int main() {
//Main class
Mortgage User;
//Set the Loan
double loan;
cout << "What is the current amount of dollars you have on your loan : $";
while ((!(cin >> loan)) || (loan <= 0)) //If cin does NOT accept input for loan, OR, loan <= 0, then:
{
cin.clear(); //Clear any warning
cin.ignore(); //Ingore everything that is in the buffer
cout << "ERROR: Loan must be a number greater than 0." << endl;
cout << "What is the current amount of dollars you have on your loan : $"; //Try again
}
cin.ignore(); //This removes any excess i.e. 10h would be accepted as 10, then the next cin would have h. This gets rid of the h.
User.setLoan(loan);
//Set the Interest Rate
double intR;
cout << "What is your annual interest rate on your loan : %";
while ((!(cin >> intR)) || (intR <= 0))
{
cin.clear();
cin.ignore();
cout << "ERROR: Interest must be a number greater than 0." << endl;
cout << "What is your annual interest rate on your loan : %";
}
cin.ignore();
intR = intR/1200; //Divide rate by months, and divide by 100 to turn into %
User.setIntR(intR);
//Set the Years remaining
double term;
cout << "How many years do you have left on your loan : ";
while ((!(cin >> term)) || (term <= 0))
{
cin.clear();
cin.ignore();
cout << "ERROR: Years must be a number greater than 0." << endl;
cout << "How many years do you have left on your loan : ";
}
cin.ignore();
term = term*12; //Turn years into Months
User.setTerm(term);
//Seperate Input from Output
cout << endl << "-----------------------------------------" << endl << endl;
//Get the payment breakdown
double blnc = loan; //set Balance = loan
double mPay = User.getPymt(); //MonthlyPayment = getPymt(); this is done once to prevent having to re-calculate this every line.
double intP, plPd;
double totalIntPaid = 0;
double totalPrnPaid = 0;
cout << setw(5) << right << "Month" << " : " << setw(8) << "Interest" << " : " << setw(9) << "Principal" << " : " << setw(10) << "Balance" << endl;
cout << "-----------------------------------------" << endl;
cout << fixed << showpoint << setprecision(2); //Used to format the following
for (int i=1; blnc > 0; i++)
{
if ((i % 21) == 0) cin.get();
intP = blnc * intR; //InterestPaid = Balance * interestRate
plPd = mPay - intP; //PrincipalPaid = MonthlyPayment - InterestPaid
blnc -= plPd; //Balance = Balance - PrincipalPaid
totalIntPaid += intP;
totalPrnPaid += plPd;
cout << setw(5) << right << i << " : $" << setw(7) << intP << " : $" << setw(8) << plPd << " : $" << setw(9) << blnc << endl;
}
cout << "-----------------------------------------" << endl;
cout << "Total Interest Paid : $" << totalIntPaid << endl;
cout << "Total Principal Paid : $" << totalPrnPaid << endl;
//Get the monthly payment
cout << "Your monthly payment is : $" << User.getPymt() << endl;
//Get the total paid
cout << "Total amount paid : $" << User.getTotl() << endl;
return 0;
}
