// package chapter6;

/**
 * Title:        Chapter 6, "Programming with Objects and Classes"
 * Description:  Examples for Chapter 6
 * Copyright:    Copyright (c) 2000
 * Company:      Armstrong Atlantic State University
 * @author Y. Daniel Liang
 * @version 1.0
 */

public class Mortgage
{
  private double annualInterestRate;
  private int numOfYears;
  private double loanAmount;

  /**Default constructor*/
  public Mortgage()
  {
    this(7.5, 30, 100000);
  }

  /**Construct a mortgage with specified annual interest rate,
      number of years and loan amount
   */
  public Mortgage(double annualInterestRate, int numOfYears,
    double loanAmount)
  {
    this.annualInterestRate = annualInterestRate;
    this.numOfYears = numOfYears;
    this.loanAmount = loanAmount;
  }

  /**Return annualInterestRate*/
  public double getAnnualInterestRate()
  {
    return annualInterestRate;
  }

  /**Set a new annualInterestRate*/
  public void setAnnualInterestRate(double annualInterestRate)
  {
    this.annualInterestRate = annualInterestRate;
  }

  /**Return numOfYears*/
  public int getNumOfYears()
  {
    return numOfYears;
  }

  /**Set a new numOfYears*/
  public void setNumOfYears(int numOfYears)
  {
    this.numOfYears = numOfYears;
  }

  /**Return loanAmount*/
  public double getLoanAmount()
  {
    return loanAmount;
  }

  /**Set a newloanAmount*/
  public void setLoanAmount(double loanAmount)
  {
    this.loanAmount = loanAmount;
  }

  /**Find monthly payment*/
  public double monthlyPayment()
  {
    double monthlyInterestRate = annualInterestRate/1200;
    return loanAmount*monthlyInterestRate/
      (1 - (Math.pow(1/(1 + monthlyInterestRate), numOfYears*12)));
  }

  /**Find total payment*/
  public double totalPayment()
  {
    return monthlyPayment()*numOfYears*12;
  }
}