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Better payment function?

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  • Better payment function?

    2 things:
    Note: done with v9
    1 - Payment and payment 2 both give a close payment, but after checking all my figures against Giants for payment accuracy, found the afore mentioned functions to be lacking in accuracy.

    2. I modified my function from above and am giving another function to replace the 2 payment functions in alpha5.

    If you run a payment on 10637.45 at 10% interest and you will get 343.24, but if you use the payment/payment2 functions, you will get 343.25. some other payments are as much as .02 cents off. Check this against Reynolds & Reynolds and others to see which is correct 343.24 is correct! They are probably all legal, but may not pass a bank for cashing a contract.

    'accurate function for the payment.
    FUNCTION pmts1 AS N (pri as n,rte as n,trm as n)
    dim years as n
    dim peryear as n
    dim t as n
    dim n as n
    dim N as n
    dim r as n
    dim R as n
    dim P as n
    years = trm/12
    peryear = 12
    t = years
    n = peryear
    N = n*t
    r = rte/100
    R = r/n
    P = pri
    dim a as n
    dim b as n
    pmts1 = round(a/b,2)
    ' gets payments for other than 30 days to first.
    ' calls pmts1 function above.
    FUNCTION pmtonapr AS N (p as n, r as n, mos as n, type as n, daystofirst as n)
    if daystofirst = 30 then
     pmtonapr =round(pmts1(p,r,mos),2)
     goto END
    else goto NEXT1
    end if
    dim rte as n = (r/100)/12
    df = round_UP((daystofirst-30)/30,6)
    dim trm as n = 0
    dim formu as n
    dim factor as n 
    factor = round_up((rte*df)*p,8)'round_down((rte*df)*p,8)
    formu = round_up(p+factor,5)
    pmtonapr = round_down(pmts1(formu,r,mos),2)
    Any suggestions or comment are welcome.
    Dave Mason
    Skype is dave.mason46

  • #2
    Re: Better payment function?

    Revised. Thanks to Mike C. Thanks to Tom Cone for some ideas on this one.

    This does not change any figures. It just removes some un-needed code.

    FUNCTION pmtonapr AS N (p as n, r as n, mos as n, type as n, daystofirst as n)
    dim df as n
    dim rte as n = (r/100)/12
    df = round_UP((daystofirst-30)/30,6)
    dim trm as n = 0
    dim formu as n
    dim factor as n 
    factor = round_up((rte*df)*p,8) 'round_down() does not work in v7
    formu = round_up(p+factor,5)
    pmtonapr = round_down(pmts1(formu,r,mos),2)
    end function
    Last edited by DaveM; 04-25-2010, 11:11 AM.
    Dave Mason
    Skype is dave.mason46


    • #3
      Re: Better payment function?

      I will be putting these in an aex shortly with some instructions on how to use the various functions that will be included. It will have the ability to do weekly, monthly and many other payment periods as well as take a payment schedule with a different last payment amount. Maybe a leasing set of functions too.

      Hope they will be helpful to all.

      Dave Mason
      Skype is dave.mason46