options(width=200)
library('FinancialMath')
df=read.csv('loanbook.csv', header=TRUE)


df$Balance=gsub("£", "", paste(df$Balance))
df$Balance=gsub(",", "", paste(df$Balance))
df$Balance=as.numeric(df$Balance)

df$Balance.at.Start=gsub("£", "", paste(df$Balance.at.Start))
df$Balance.at.Start=gsub(",", "", paste(df$Balance.at.Start))
df$Balance.at.Start=as.numeric(df$Balance.at.Start)

df$Rate=gsub("%", "", paste(df$Rate))
df$Rate=as.numeric(df$Rate)

df=df[!grepl("bond", df$Loan.Type),]
df=df[!grepl("revenue", df$Loan.Type),]

df=df[!grepl("In Default", df$Status),]
df=df[!grepl("Repaid", df$Status),]
df=df[!grepl("Recovered", df$Status),]
df=df[!grepl("Arrangement", df$Status),]

df["int"] = " "

for (i in c(1:length(df[,1]))){
  df[i,]$int = as.numeric(paste( unlist(amort.table(Loan=df[i,]$Balance.at.Start,n=df[i,]$Remaining.repayments,i=((df[i,]$Rate/100)/12))[2]))[3])
}


df$ratio=df$Balance.at.Start/as.numeric(df$int)


df=df[order(df$Balance.at.Start, decreasing = FALSE), ]

df$Balance.at.Start=signif(df$Balance.at.Start, digits=3)

df


sum(as.numeric(df$int))