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#include <iostream>
#include <cmath>
#include <iomanip>
using namespace std;
void get_input (double& principal_par, double& loan_length_par, bool& interest_known_par, double& interest_rate_par);
void utility (double& monthly_interest_par, double interest_util_par, double loan_length_util_par, double& number_of_months_par);
double monthly_payment (double p_par, double j_par, double n_par);
void print_monthly_rates (double princ_par, double j_par, double m_par, double& h_par, double& q_par, double& c_par, bool bool_par);
void print_payment_table_line (double h_par, double c_par, double q_par);
void print_payment_table_header (bool bool_par);
void print_possible_monthly_payments (double q_par, double c_par);
int main ()
{
double p, l, r, j, n, h, c, q, m;
bool k = false;
get_input (p, l, k, r);
utility (j, r, l, n);
m = monthly_payment (p, j, n);
print_monthly_rates (p, j, m, h, q, c, k);
return 0;
}
void get_input (double& principal_par, double& loan_length_par, bool& interest_known_par, double& interest_rate_par)
{
char interest_known_answer;
cout << "Please enter the principal: ";
cin >> principal_par;
cout << "Please enter the length of the loan (in YEARS): ";
cin >> loan_length_par;
cout << "Is the annual interest rate known? ";
cin >> interest_known_answer;
if ((interest_known_answer == 'y') || (interest_known_answer == 'Y'))
{
interest_known_par = true;
cout << "Please enter the annual interest rate: ";
cin >> interest_rate_par;
}
else
{
interest_known_par = false;
}
}
void utility (double& monthly_interest_par, double interest_util_par, double loan_length_util_par, double& number_of_months_par)
{
monthly_interest_par = (interest_util_par / (12*100));
number_of_months_par = (loan_length_util_par * 12);
}
double monthly_payment (double p_par, double j_par, double n_par)
{
double m = p_par * (j_par / (1 - pow((1 + j_par),(-n_par))));
return (m);
}
void print_monthly_rates (double p_par, double j_par, double m_par, double& h_par, double& q_par, double& c_par, bool bool_par)
{
if (bool_par == true)
{
cout << "\nMonthly Payment: " << m_par << "$" << endl << endl;
print_payment_table_header (bool_par);
do {
h_par = p_par * j_par;
c_par = m_par - h_par;
q_par = p_par - c_par;
p_par = q_par;
if (p_par < 0)
{
p_par = 0;
}
print_payment_table_line (h_par, c_par, q_par);
} while (q_par >0);
}
else
{
print_payment_table_header (bool_par);
print_possible_monthly_payments (q_par, c_par);
}
}
void print_payment_table_line (double h_par, double c_par, double q_par)
{
cout.setf(ios::fixed);
cout.setf(ios::showpoint);
cout.precision(2);
cout << setw(10) << h_par;
cout << setw(30) << c_par;
cout << setw(40) << q_par << endl;
}
void print_payment_table_header (bool bool_par)
{
cout << setw(55);
cout << "Mortgage Payment Table" << endl;
cout << setw(0);
cout << "------------------------------------------------------------------------------------------\n";
if (bool_par = true)
{
cout << setw(90);
cout << "Monthly Interest || Principal payment of the month || New principal balance\n";
}
else
{
cout << setw(51);
cout << "FIXED MONTHLY PAYMENT || Interest Rates\n";
}
}
void print_possible_monthly_payments (double q_par, double c_par)
{
for (double i = 3.5; i >= 5; i += .25)
{
cout << setw(7);
double fixed_monthly_payment = q_par * c_par;
cout << fixed_monthly_payment;
cout << setw(40);
cout << i;
}
}
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