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Package payment
Short Description Homeful Payment Package
License MIT
Homepage https://github.com/jn-devops/payment
Informations about the package payment
๐ฆ Payment Package
The Homeful\Payment
package provides a robust and testable abstraction layer for mortgage-related financial computations. It encapsulates the standard PMT and PV formulas using precise monetary operations via the whitecube/price
and brick/money
libraries.
๐ฆ Features
- Compute monthly amortization with interest and term (PMT formula)
- Add-on fee handling (e.g. insurance, extra charges)
- Deductible fee support (e.g. rebates, adjustments)
- Compute present value from future payment streams (PV formula)
- Income requirement estimation based on configurable disposable income percentage
- Extensive test coverage and simulation datasets
โ Installation
Ensure you have the following packages:
๐งฎ Usage
๐ Basic PMT Calculation
โ Add-On Fees (e.g. Fire Insurance, MRI)
โ Deductible Fees (e.g. Promo Deduction)
๐งพ Income Requirement
๐ก Present Value Calculation
๐งช Testing
Unit and simulation tests available in /tests/Payment
.
Includes scenarios for:
- Edge case interest validation
- Max term validations
- Add-on and deductible modifier interactions
- Multiple amortization simulations
โ๏ธ Configuration
You may configure these via config/payment.php
:
๐ Data Transformation
Use PaymentData::fromObject($payment)
to extract structured values like:
principal
term
,cycle
interest_rate
monthly_amortization
income_requirement
๐งฉ Traits
HasAddOnFees
HasDeductibleFees
HasIncomeRequirement
These ensure modular responsibility and are shared across payment types.
๐ค Dependencies
โจ Example Output
Behold, a new you awaits โ one with precise mortgage computations and a testable financial layer.
All versions of payment with dependencies
illuminate/contracts Version ^10.0||^11.0
jarouche/financial Version ^2.1
jn-devops/common Version ^1.1
spatie/laravel-data Version ^4.7
spatie/laravel-package-tools Version ^1.16
whitecube/php-prices Version ^3.0