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YNV_DeViouS

Member Since 01 Apr 2012
Offline Last Active Aug 03 2014 12:26 AM

Topics I've Started

Need Help with amortization formula

02 August 2014 - 11:02 AM

So I currently taking a class in C++ which I find difficult only because I am not so experienced. I was wondering if anyone can help me figure out a while loop to calculate a single monthly payment for this program.

//Amortization Formula: R =        L * i
                         --------------------
                            1 - (1 + i)^-mt
#include <iostream>
#include <cmath>
#include <iomanip>

using namespace std;

double R; // amortization formula
double L = 0.00; // loan amount (principal)
double g; // gross salary
double r; // interest rate per year
int t = 30; // number of years for the loan
int m = 12; // number of payments in a year
double i = m / t;
int p; // monthly payment range

int grossSalary(); // prototype function of grossSalary
double interestRate(); // prototype function of interestRate
double monthlyPaymentRange(); // prototype function of monthlyPaymentRange
double maxTarget(); // prototype function of maxTarget
double monthlyPayment(); // prototype function of monthlyPayment

int main() // this combines all of the functions in order to give the monthly payment
{
	grossSalary();
	interestRate();
	monthlyPaymentRange();
	maxTarget();
	monthlyPayment();
	system("pause");
}

int grossSalary() // this function asks for the gross salary of the user and returns g (gross salary)
{
	cout << "Please enter your yearly gross salary: ";
	cin >> g;
	return g;
}

double interestRate() // this function asks the user for an interest rate and returns r (interest rate)
{
	cout << "Please enter an interest rate: ";
	cin >> r;
	return r;
}

double monthlyPaymentRange() // this function calculates the monthly payment range
{
	p = g / 12 * 0.3;
	cout << "The target (30% of monthly salary) monthly payment range is: " << p << endl;
	return p;
}

double maxTarget() // this function calculates the maximum target house price
{
	L = g * r - g;
	cout << "Your max target house price is: " << L << endl;
	return L;
}

double monthlyPayment() // this function calculates the monthly payment using the amortization formula
{
	cout << "with a monthly payment of: " << R << endl;
	while(L < p) // how to fix this?
	{
		cout << R << endl;
		R = L * i / 1 - pow(1 + i, -m * t);
		break;
	}
	return R;
}

I am completely stuck and don't know how to go about it. Any help would be great.


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Thanks in advance.


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ScreenShot1_zps51c790cc.jpg


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ScreenShot1_zps4a664665.jpgScreenShot2_zps526fae02.jpg


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