public function repaymentAmountForLenders()
{
// TODO use disbursed amount in lenderInterest
$totalLendersAmount = $this->loan->getNativeDisbursedAmount()->add($this->lenderInterest());
$ratio = $this->loan->getNativeDisbursedAmount()->divide($totalLendersAmount);
$repaymentAmountForLenders = $this->repaymentAmount->subtract($this->installmentServiceFee());
return $repaymentAmountForLenders->multiply($ratio);
}
protected function getAcceptedBids($bids, Money $loanAmount)
{
$zero = Money::create(0, 'USD');
$totalBidAmount = $zero;
$acceptedBids = [];
foreach ($bids as $bid) {
$bidAmount = $bid->getBidAmount();
$missingAmount = $loanAmount->subtract($totalBidAmount)->max($zero)->round(3);
$totalBidAmount = $totalBidAmount->add($bidAmount);
$acceptedAmount = $missingAmount->min($bidAmount);
$acceptedBids[$bid->getId()] = compact('bid', 'acceptedAmount');
}
// Sort by bid date
// TODO: why?
uasort($acceptedBids, function ($b1, $b2) {
return $b1['bid']->getBidDate() <= $b2['bid']->getBidDate();
});
return $acceptedBids;
}
public function calculateInstallmentCount(Money $nativeInstallmentAmount)
{
$maxYearlyInterest = $this->getNativeAmount()->multiply($this->getInterestRate() / 100);
if ($this->isWeeklyInstallment()) {
$maxInstallmentInterest = $maxYearlyInterest->divide(52);
} else {
$maxInstallmentInterest = $maxYearlyInterest->divide(12);
}
$maxNativeInstallmentAmount = $nativeInstallmentAmount->subtract($maxInstallmentInterest);
$installmentCount = ceil($this->getNativeAmount()->getAmount() / $maxNativeInstallmentAmount->getAmount());
return $this->setInstallmentCount($installmentCount);
}
