MortgagePayment.cpp
MortgagePaymentDm.cpp
MortgagePayment.h
#ifndef MORTGAGE_PAYMENT_H
#define MORTGAGE_PAYMENT_H
class Mortgage
{
private:
double loanAmnt; // The loan amount
double monthlyPayment; // The monthly payment
double interestRate; // The annual interest rate
int terms; // Number of years
public:
Mortgage() : loanAmnt(0.0), monthlyPayment(0.0), interestRate(0.0), terms(0)
{ }
bool setAmount(double);
bool setRate(double);
bool setTerm(int);
void calcPayment();
double getAmount() const
{ return loanAmnt; }
double getRate() const
{ return interestRate; }
int getTerms() const
{ return terms; }
double getPayment() const
{ return monthlyPayment; }
};
#endif
MortgagePayment.cpp
/* MortgagePaymentDm.cpp - Implementation file for the Mortgage Payment class. */
#include <math.h>
#include "MorgagePayment.h"
/* **********************************************************
Mortgage::setAmount() accepts a double as argument
This function sets the total loan amount, and assigns this
value to the loanAmnt member.
********************************************************** */
bool Mortgage::setAmount(double amnt)
{
if (amnt > 0)
{
loanAmnt = amnt;
return true;
}
return false;
}
/* **********************************************************
Mortgage::setRate() accepts a double as argument
This function sets the interest rate, and assigns the
value passed to it to the interestRate member.
********************************************************** */
bool Mortgage::setRate(double iRate)
{
if (iRate > 0.0 && iRate <= 50.0)
{
interestRate = iRate;
return true;
}
return false;
}
/* **********************************************************
Mortgage::setTerm() accepts an int as argument
This function sets the term in years, and assigns the
value passed to it to the terms member.
********************************************************** */
bool Mortgage::setTerm(int t)
{
if (t > 0 && t <= 40)
{
terms = t;
return true;
}
return false;
}
/* **********************************************************
Mortgage::calcPayment()
This function calculates the monthly payments and assigns
the result to the monthlyPayment member.
********************************************************** */
void Mortgage::calcPayment()
{
int mTerms = (getTerms() * 12);
double iRate = (getRate() / 100) / 12;
monthlyPayment = getAmount() * (pow(iRate + 1, mTerms)) *
iRate / (pow(iRate + 1, mTerms) - 1);
}
MortgagePaymentDm.cpp
/* MortgagePaymentDm.cpp - Demonstration file for the Mortgage Payment class. */
#include <iomanip>
#include <iostream>
#include <string>
#include "MorgagePayment.h"
using std::cout;
using std::cin;
void introduction();
void getData(Mortgage &);
void displayData(const Mortgage);
int main()
{
Mortgage monthlyPayment;
introduction();
getData(monthlyPayment);
monthlyPayment.calcPayment();
displayData(monthlyPayment);
cout << "\n\n\tThe ASHIKAGA BANK Team wishes you a successful day\n"
<< "\tand thanks you for your patronage!";
std::cin.get();
std::cin.ignore();
return 0;
}
/* **********************************************************
introduction()
This function introduces the basic features to the user.
********************************************************** */
void introduction()
{
cout << "\t\tASHIKAGA BANK - MORTGAGE PAYMENT CALCULATOR\n\n";
cout << "\tDear Customer, this application allows you to calculate the monthly\n"
<< "\tamount of money you will have to pay on your home mortgage. You are\n"
<< "\tasked to enter the Loan Amount (Ex: 500,000), the Interest Rate in\n"
<< "\t(Ex: 5.50), and the term in years (Ex: 30).\n\n"
<< "\tThe ASHIKAGA BANK hopes that this new service will benefit our valued\n"
<< "\tcustomers. We thank you for your continued patronage and interest.\n\n"
<< "\tYour ASHIKAGA BANK Team.\n\n";
}
/* **********************************************************
getData() accepts a reference to a monthlyPayment object.
This function asks the user to input the number of terms
in years, the loan amount and the annual interest rate.
********************************************************** */
void getData(Mortgage &monthlyPayment)
{
int terms = 0;
double amount = 0.0;
double iRate = 0.0;
cout << "\t\tASHIKAGA BANK - MORTGAGE PAYMENT - CUSTOMER FINANCIAL DATA\n\n";
cout << "\tDear Customer,\n\n"
<< "\tPlease be utmost careful when entering the information asked of you\n"
<< "\tin the following three step process, else we cannot guarantee for the\n"
<< "\tcorrectness of the results. We must also warn you that we are not legally\n"
<< "\tliable for any financial damage that may occur.\n\n";
cout << "\tStep 1:\n"
<< "\tLoan amount: $ ";
cin >> amount;
while (monthlyPayment.setAmount(amount) == false)
{
cout << "\n\tStep 1:\n"
<< "\tLoan amount: $ ";
cin >> amount;
}
cout << "\n\tStep 2:\n"
<< "\tAnnual interest rate: % ";
cin >> iRate;
while (monthlyPayment.setRate(iRate) == false)
{
cout << "\n\tStep 2:\n"
<< "\tAnnual interest rate: % ";
cin >> iRate;
}
cout << "\n\tStep 3:\n"
<< "\tNumber of terms in years: ";
cin >> terms;
while (monthlyPayment.setTerm(terms) == false)
{
cout << "\n\tStep 3:\n"
<< "\tNumber of terms in years: ";
cin >> terms;
}
cout << "\n\tThank you! Your data will now be processed ...\n\n";
}
/* **********************************************************
displayData() accepts a const monthlyPayment object
This function outputs a detailed report, telling the user
how high his or her monthly mortgage burden will be.
********************************************************** */
void displayData(const Mortgage monthlyPayment)
{
cout << std::setprecision(2) << std::fixed << std::showpoint;
cout << "\t\tASHIKAGA BANK - MONTHLY MORTGAGE PAYMENT PLAN\n\n";
cout << "\tDear Customer,\n\n"
<< "\tAccording to the following data you kindly provided:\n\n"
<< "\tLoan Amount" << std::setw(25) << "$ " << monthlyPayment.getAmount() << "\n"
<< "\tYearly Interest Rate"
<< std::setw(15) << "%" << std::setw(10) << monthlyPayment.getRate() << "\n"
<< "\tLoan Term: " << std::setw(28) << monthlyPayment.getTerms() << " Years\n\n"
<< "\tOur calculation indicates that your monthly payment burden will be $ "
<< monthlyPayment.getPayment();
}
Example Output:
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