1. Go to this page and download the library: Download kostikpenzin/credit-calc library. Choose the download type require.
2. Extract the ZIP file and open the index.php.
3. Add this code to the index.php.
<?php
require_once('vendor/autoload.php');
/* Start to develop here. Best regards https://php-download.com/ */
kostikpenzin / credit-calc example snippets
use CreditCalc\Calculator;
use CreditCalc\CreditParams;
use CreditCalc\UnexpectedPayment;
use CreditCalc\RepaymentSchedule;
$params = new CreditParams(new DateTime('2023-10-31 00:00:00'), 100000000, 990, 12, CreditParams::DURATION_MONTH);
$unexpectedPayments = [
new UnexpectedPayment(10000000, new DateTime('2023-12-15 00:00:00'), UnexpectedPayment::LESS_PAYMENT),
new UnexpectedPayment(3565411, new DateTime('2023-01-13 00:00:00'), UnexpectedPayment::LESS_LOAN_PERIOD),
new UnexpectedPayment(15000000, new DateTime('2023-02-29 00:00:00'), UnexpectedPayment::LESS_LOAN_PERIOD),
];
$calculator = new Calculator;
// we consider the repayment schedule with annuity payments
// So that there are differentiated payments, we specify Calculator::TYPE_DIFFERENTIAL as the third parameter
/** @var RepaymentSchedule $schedule Payment schedule */
$schedule = $calculator->calculate($params, $unexpectedPayments, Calculator::TYPE_ANNUITY);
foreach ($schedule as $repayment) {
/** @var DateTime $date Date of the next payment period */
$date = $repayment->getDate()->format('d.m.Y');
/** @var int $payment The amount of the next payment */
$payment = $repayment->getPayment();
/** @var int $percents Interest on the next payment */
$percents = $repayment->getPercents();
/** @var int $body The body of the loan for the next payment */
$body = $repayment->getBody();
/** @var int $body Loan balance after payment */
$balance = $repayment->getBalance();
}
/** @var int $total Get the amount of all loan payments */
$total = $schedule->calculateTotalPayments();
/** @var int $overpayment Get the amount of overpayment on the loan */
$overpayment = $schedule->calculateOverpayment();
/** @var int $requestedSum Get the loan amount */
$requestedSum = $schedule->getCreditParams()->getRequestedSum();
/** @var string psk The full cost of the loan as a percentage per annum with rounding up to 3 digits */
$psk = $schedule->calculateTotalCost();
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