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Author: yichenghuang980

project1.py

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+#
+# CS 177 - project1.py
+# Wilson Huang - 0031114130
+# This is a demonstration of the basic Python file functions.
+# The program accepts specific values and then displays results as table
+# through function operations.
+#
+
+# initialize any necessary variables
+
+# define main function
+def main():
+
+    # display information about the prgram function
+    print("The program accepts specific values and then displays results as table.")
+    
+    # prompt user for purchase price,down payment,APR,periods per year,term of loan,and first payment date 
+    price = eval(input("Enter total sale price of property:"))
+    payment = eval(input("Enter cash down payment amount:"))
+    APR = eval(input("Enter loan interest charged per year:"))
+    numberPerYear = eval(input("Enter number of payments per year:"))
+    term = eval(input("Enter length of loan in years:"))
+    firstDate = str(input("Enter first payment date in MM/DD/YY:"))
+
+    # calculate the loan amount and number of payments
+    loan = price - payment
+    numberOfPayment = term*numberPerYear
+    paymentAmount = round((APR/numberPerYear)*loan/(1-(1+APR/numberPerYear)**(-numberOfPayment)),2)
+
+    # define loanInfo function
+    def loanInfo(loanAmount,period,paymentTimes,annualRate,beginningDate):
+
+        # initialize any necessary variables and then perform calculations 
+        rate1 = annualRate/period 
+        totalPayment1 = paymentAmount*paymentTimes
+        totalInterest1 = totalPayment1 - loanAmount
+
+        # calculate endDate using split()
+        separation = firstDate.split("/")
+        year = int(separation[2]) + (term-1)
+        for i in range(numberOfPayment):
+            if (int(separation[0])+12/period*i<=12 and i%12!=0):
+                endDate1 = "{0}/1/{1}".format(int(separation[0])+12/numberOfPayment*i,int(separation[2])+(i-1)//12)
+            elif (i%12==0):
+                endDate1 = "{0}/1/{1}".format(1,int(separation[2])+(i+1)//12)
+            else:
+                endDate1 = "{0}/1/{1}".format(int(separation[0])+12/period*i-12*(term-1),int(separation[2])+(i-1)//12)
+            return rate1,totalPayment1,totalInterest1,endDate1 
+
+    # call loanInfo function and assign variables to the results
+    rate,totalPayment,totalInterest,endDate = loanInfo(loan,numberPerYear,numberOfPayment,APR,firstDate)   
+
+    # define loanOptions function
+    def loanOption(annualRate,period,lengthOfLoan,loanAmount):
+
+        # initialize any necesssary variables
+        differentRate = ""
+        payment = ""
+        format1 = ""
+
+        # display table headers
+        print("\t\t\tAlternative Loan Payment Table")
+        print("\t\t\t","="*40)
+        print("\t\t\t\tInterest Rates")
+
+        # construct loop for headlines of different rate
+        for indexOfRate in range(-3,4):
+            format1 = "{0:10}%".format((annualRate+0.005*indexOfRate)*100)
+            differentRate += format1
+        print(differentRate)
+        print("# Payments","="*50)
+
+        # define a for loop based on the specified range for the number of loan payments
+        for i in range(-2,3):
+            n = round(period*lengthOfLoan + period*i/2)
+            payment += "\n" + str(n)
+
+            # define a for loop based on the specified range of interest rates
+            for j in range(-3,4):
+                r = (annualRate + 0.005*j)/period
+                amount = "$"+str(round((r*loanAmount)/(1-(1+r)**(-n)),2))
+                finalAmount = "{0:>11}".format(amount)
+                payment += finalAmount
+        print(payment)
+
+    # call loanOption function
+    loanOption(APR,numberPerYear,term,loan)
+
+    # define amortize function
+    def amortize(beginningDate,loanAmount,paymentPerMonth,annualRate,period):
+
+        # initialize any necessary variables
+        startingBalance = loanAmount
+        separation = beginningDate.split("/")
+        format2 = ""
+        
+        # display table headers
+        print("\t\t\tLoan Amortization Table\n","="*70,
+              "\n\tpayment\tstarting paymentinterest principle ending",
+              "\n#\tdate\tbalance\tamount\tpaid\tpaid\tbalance",
+              "\n====\t=====\t=====\t=====\t=====\t=====\t=====")
+
+        # define a for loop based on the number of payments in the loan
+        for i in range(numberOfPayment):
+            number = str(1 + i)
+            if (int(separation[0])+12/period*i<=12 and i%12!=0):
+                paymentDate = "{0}/1/{1}".format(round(int(separation[0])+12/period*i),int(separation[2])+(i-1)//12)
+            elif (i%12==0):
+                paymentDate = "{0}/1/{1}".format(1,int(separation[2])+(i+1)//12)
+            else:
+                paymentDate = "{0}/1/{1}".format(round(int(separation[0])+12/period*i-12*(term-1)),int(separation[2])+(i-1)//12)
+            interestPerMonth = round(startingBalance*(annualRate/period),2)
+            principle = round(paymentPerMonth - interestPerMonth,2)
+            endBalance = round(startingBalance - principle,2)
+            format2 = "{0:>1}{1:>10}{2:>10}{3:>10}{4:>10}{5:>10}{6:>10}".format(number,paymentDate,"$"+str(startingBalance),"$"+str(paymentPerMonth),"$"+str(interestPerMonth),"$"+str(principle),"$"+str(endBalance))
+            print(format2)
+            startingBalance = endBalance 
+
+    # call amortize function
+    amortize(firstDate,loan,paymentAmount,APR,numberPerYear)
+    
+main()