//Writen by Mo Kashi

//This program does some mortgage calculations as folowing:
//It prompts user to enter the principal of a mortgage,its
//monthly payment,and its annual rate and prints out the
//amount of principal at the end of the each year,the time
//needed to pay off the mortgage and total interest paid.

#include<iostream>
#include<fstream>
#include<math.h>
#include<iomanip>
ofstream fout;
int freeze;
class Mortgage{
 public:
  double getPrincipal();
  double getMonthlyPayment();
  double getAnnualRate();
  void displayMortgageInfo(double,double,double);
  void Banner();
};//class Mortgage


double Mortgage::getPrincipal(){//This method
//prompts user to enter the amount of the principal and
//this value.This method also prints out everything being
//printed in Dos environment in the opened file A1Q2.txt

 double principal;
 cout<<"Enter in principal:\n";
 cin>>principal;
 fout<<"Enter principal:\n";
 fout<<principal<<endl;
 return principal;
}//Method getPrincipal()

double Mortgage::getMonthlyPayment(){//This
//method prompts user to enter the amoount of monthly payment
//and returns its value at the end.It also prompts user to
//print everything being printed in Dos enviroment in opened
//file output.txt
  double monthlypayment;
  cout<<"Enter in monthly payment:\n";
  cin>>monthlypayment;
  fout<<"Enter in monthly payment:\n";
  fout<<monthlypayment<<endl;
  return monthlypayment;
}//Method getMonthlyPayment()


double Mortgage::getAnnualRate(){//This method prompts
//user to enter the amount of annual rate and returns its value
// at the end.It also prompts user to print everything being
//printed in Dos enviroment in opened file output.txt
double annualrate;
cout<<"Enter in annual rate:\n";
cin>>annualrate;
fout<<"enter in annual rate:\n";
fout<<annualrate<<endl;
return annualrate;
}//Method getAnnualRate

void Mortgage::displayMortgageInfo(double principal, double monthlyPayment,
double annualRate){//This method
//analysses data principal,monthly paymant and annual reate
//for a mortgage and prints out the amount of principle at
//the end of each year ,the whole time it takes to pay off
//the mortgage and total interest paid .

 double monthlyfee;
 double total_payment=0.0;
 double total_interest;//shows whole interest paid when the
//mortgage is paid off

 double first_principal=principal;//first amount of money borrowed.
 double number_of_extra_months;//shows number of months which
//adds to number of the years to pay off the mortgage

 int number_of_payments=0;
 int number_of_years=0;
 monthlyfee= pow((1.0+annualRate/200.0),1.0/6.0);
 while(principal>0){
   principal=principal*monthlyfee;
   principal=principal-monthlyPayment;
   total_payment=total_payment+monthlyPayment;
   number_of_payments++;
   if(number_of_payments%12==0){
      number_of_years++;
      if(principal<=0){
         cout<<"End of year "<<number_of_years<<endl;
         cout<<"principal: "<<0<<endl;
         fout<<"End of year "<<number_of_years<<endl;
         fout<<"principal: "<<0<<endl;
      }//if

      else{
           cout<<"End of year "<<number_of_years<<endl;
           cout<<"principal: "<<principal<<endl;
           fout<<"End of year "<<number_of_years<<endl;
           fout<<"principal: "<<principal<<endl;
      }//else
  } //if
}//while

if(principal<0){
   total_payment=total_payment+principal;
  }//if
total_interest=total_payment-first_principal;
number_of_extra_months=number_of_payments-number_of_years*12;

cout<<"Mortgage paid off in: "<<number_of_years<<" years and "
<<number_of_extra_months<<" months"<<endl;
cout<<"Total interest paid: "<<total_interest<<endl;

fout<<"Mortgage paid off in: "<<number_of_years<<" years and "
<<number_of_extra_months<<" months"<<endl;
fout<<"Total interest paid: "<<total_interest<<endl;
}//Method displayMortgageInfo

void Mortgage::Banner(){//This method prompts user to print out
//the banner of the student
cout<<endl;
cout<<"Name:Morteza Abdolrahim Kashi"<<endl;

fout<<endl;
fout<<"Name:Morteza Abdolrahim Kashi"<<endl;

fout<<endl;
}//Method Banner


void main(){
cout.setf(ios::fixed,ios::floatfield);
cout.setf(ios::showpoint);
fout.setf(ios::fixed,ios::floatfield);
fout.setf(ios::showpoint);
cout<<setprecision(10);
double principal,monthlyPayment,annualRate;
Mortgage mortgageObj;
fout.open("c:\\output.txt");
mortgageObj.Banner();
principal=mortgageObj.getPrincipal();
monthlyPayment=mortgageObj.getMonthlyPayment();
annualRate=mortgageObj.getAnnualRate();

while(principal>0&&monthlyPayment>0&&annualRate>0){
   mortgageObj.displayMortgageInfo(principal,monthlyPayment,annualRate);
   principal=mortgageObj.getPrincipal();
   monthlyPayment=mortgageObj.getMonthlyPayment();
   annualRate=mortgageObj.getAnnualRate();
 }//while

}//main()