import java.io.BufferedReader;
import java.io.IOException;
import java.io.InputStreamReader;
import java.lang.NumberFormatException;
import java.util.Vector;

/** Created on June 27, 2004, 5:07 PM
 * Java Programming Project Workshop 3 –
 * Problem statement – Create a Mortgage Calculator WITHOUT a graphical user interface
 * Purpose – provide a user-friendly service to potential users for accurately planning mortgage and other types of loans
 * Scope – The mortgage calculator must display the mortgage payment amount given the amount of the mortgage, the term of the mortgage, and the interest rate of the mortgage.
 * This program must have hard code amount = 200,000, term= 30 years, and the interest rate = 5.75% in class driver.java
 * Algorithm – standard loan calculation with fixed number of payments:
 * Divide the yearly interest rate of 5.75% by 12 to get monthly ineterst rate
 * Multiply the number of years by 12 to get the number of months
 * Formula for monthly payment: monthlyPayment = [P((1+r)^n)*r]/[(1+r^n)-1], where r and n are calculated as above.  
 *
 * Inputs:
 * Principal = $200,000
 * Interest Rate = 0.0575
 * Periods = 360
 *
 * Output:
 * Monthly Payment = 
 * Pay Date: 15JUL05 
 * @ 
 * NETBEANS IDE 3.6*/

public class Mortgagecalculator{
        
//4. Public void derive matrix 
//5. Public void print matrix 

    /** Creates a static mortgagecalculator */
     
    public static int years;//define variables
    public double loanAmount;
    public double interestRate;
    public double monthlyPayment;
    private static int numberOfMonths, numberOfDays;
    Vector firstRow = new Vector();
    
    
    public void setYears(int inYears)//setter
    {    years=inYears;
    }//end set years
    
    public static int getYears()//getter
    {
        return years;
    }//end get years
    
    public void setLoanAmount(double inLoanAmount)//setter
    {
        loanAmount=inLoanAmount;
    }//end set loanAmount
    
    public double getLoanAmount()//getter
    {
        return loanAmount;
    }//end get loanAmount
    
    public void setInterestRate(double inInterestRate)//setter
    {
        interestRate=inInterestRate;
    }//end set interestRate
    
    public double getInterestRate()//getter
    {
        return interestRate;
    }//end get interestrate
    
    public void CalcMonthlyPayment()
    {
        numberOfMonths = years*12;
        numberOfDays = years*365;
        monthlyPayment=loanAmount*Math.pow(1 + interestRate/12, numberOfMonths) * (interestRate/12)/(Math.pow(1 + interestRate/12, numberOfMonths) -1); 
        monthlyPayment = Math.round(monthlyPayment*100.00/100.00);
    }//Divide the yearly interest rate of 5.75% by 12 to get monthly ineterst rate
     // Multiply the number of years by 12 to get the number of months
     // Formula for monthly payment: monthlyPayment = [P((1+r)^n)*r]/[(1+r^n)-1], where r and n are calculated as above.
        
    public String toString(){//strings are used to store text and variables 
    return "Mortgage Information" + "\n"+ "Loan Amount: $" + loanAmount + "\n" + "Interest Rate: " + interestRate + "%" + "\n" + "Term: "
    + (years*12) + " months" + "\n" + "Monthly Payment: $" + (Math.round(monthlyPayment*100.00)/100.00);//Using the round to two decimal places
}      
        
    public void deriveMatrix(){ 
        
        int counter = 1;
        double Balance, Interest_Payment, Interest_Paid, Principle_Paid;
        String payDate = "15JUL05";
        while(counter <= numberOfMonths){
            //Payment# is the month number
            //Principle is constant at $200,000
            //Monthly Payment is constant at $6557.57
            //Pay Date is fixed at 15JUL05
            //Interest Payment = loanAmount*interestRate/12;
            //Interest Paid = Interest Payment
            //Principle Paid = Principle - Balance
            Balance = Math.round((loanAmount*(1+interestRate/12) - monthlyPayment)*100.00/100.00); //Calculation of Balance
            Interest_Payment = Math.round((loanAmount*interestRate/12)*100.00/100.00); //Calculation of Interest
            Interest_Paid = Interest_Payment;
            Principle_Paid = loanAmount - Balance;
            Row rows = new Row(counter, loanAmount, monthlyPayment, payDate, Interest_Payment, Interest_Paid, Principle_Paid);
            firstRow.addElement(rows);
            counter++;
            loanAmount = Balance;
       }//end of while(counter <= numberOfMonths)
    }
    
    public void printMatrix(){//print schedule and scroll
        System.out.println();
        System.out.println("Payment# Principle MonthlyPayment PayDate  IntPay IntPaid PrinPaid");      
        int scrollCounter, counter = 0;
        while (counter < numberOfMonths){
            scrollCounter = 0;
            while(scrollCounter<30){
                System.out.println("" + (counter+1) + "\t" +firstRow.elementAt(counter));
                counter++;
                scrollCounter++;
           }//end of while(scrollCounter<30)
        System.out.println("Press Enter to continue..");
        BufferedReader br = new BufferedReader(new InputStreamReader(System.in), 1);
        String str = "";
        try {
        str = br.readLine();
        }
        catch (IOException ioe) { 
        System.out.println(ioe);} 
      }//end of while (counter <= numberOfMonths)
   }
}//closing bracket