public static void RejectRequest(int creditLineRequestId)
{
CreditLineRequest request = new CreditLineRequest(creditLineRequestId);
request.Status = CreditLineRequestStatus.Rejected;
request.Save();
}
public static void AcceptRequest(int creditLineRequestId)
{
Money maxLoan = GlobalPool.Get(PoolsHelper.GetBuiltInProfitPoolId(Pools.CreditLine)).SumAmount;
CreditLineRequest request = new CreditLineRequest(creditLineRequestId);
if (request.LoanRequested > maxLoan)
{
request.Status = CreditLineRequestStatus.Rejected;
request.Save();
throw new MsgException("There is not enough money in the pool. The request has been rejected.");
}
request.Status = CreditLineRequestStatus.Accepted;
request.Save();
Member user = new Member(request.UserId);
DateTime now = AppSettings.ServerTime;
CreditLineLoan loan = new CreditLineLoan();
loan.UserId = user.Id;
loan.Loaned = request.LoanRequested;
loan.FirstDeadline = now.AddDays(AppSettings.CreditLine.FirstDeadlineDays);
loan.SecondDeadline = now.AddDays(AppSettings.CreditLine.SecondDeadlineDays);
loan.FinalDeadline = now.AddDays(AppSettings.CreditLine.FinalDeadlineDays);
loan.AmounBeforeFirstDeadline = Money.MultiplyPercent(request.LoanRequested, AppSettings.CreditLine.FirstRepayPercent);
loan.AmounBeforeSecondDeadline = Money.MultiplyPercent(request.LoanRequested, AppSettings.CreditLine.SecondRepayPercent);
loan.BorrowDate = now;
loan.Repaid = Money.Zero;
loan.Save();
var moneyWithoutFee = Money.MultiplyPercent(request.LoanRequested, 100 - AppSettings.CreditLine.Fee);
GlobalPoolManager.SubtractFromPool(PoolsHelper.GetBuiltInProfitPoolId(Pools.CreditLine), moneyWithoutFee);
user.AddToPurchaseBalance(moneyWithoutFee, "Credit Line", BalanceLogType.CreditLine);
user.SaveBalances();
Mailer.SendNewCreditLineMessage(user.Email, request.LoanRequested);
}
public static void TrySendRequest(Member user, Money amount)
{
if ((AppSettings.ServerTime - user.Registered).TotalDays < AppSettings.CreditLine.MinimumRegisterDays)
{
throw new MsgException(string.Format(U6008.NOTENOUGHDAYS, AppSettings.CreditLine.MinimumRegisterDays));
}
var numberOfPendingRequests = GetNumberOfUsersRequests(user.Id, CreditLineRequestStatus.Pending);
if (numberOfPendingRequests > 0)
{
throw new MsgException(U5007.CANONLYSENDONEREQUEST);
}
var loans = GetUsersLoans(user.Id, false);
if (loans.Count > 0)
{
throw new MsgException("You must repay your debt first.");
}
var maxAmount = GetMaxPossibleRequest(user);
if (amount > maxAmount)
{
throw new MsgException(string.Format("The maximum amount you can borrow is {0}", maxAmount));
}
CreditLineRequest request = new CreditLineRequest();
request.UserId = user.Id;
request.LoanRequested = amount;
request.RequestDate = AppSettings.ServerTime;
request.Status = CreditLineRequestStatus.Pending;
request.Save();
}
public ArrangementRequest GetForArrangementKind(ArrangementRequestInitializationParameters parameters,
ArrangementKind?arrangementKind, ProductSnapshot productData = null)
{
var arrangementRequest = new ArrangementRequest();
switch (arrangementKind)
{
case ArrangementKind.TermLoan:
var termLoanRequest = new TermLoanRequest
{
Amount = parameters.Amount ?? 0,
Currency = parameters.Currency,
Term = parameters.Term,
Annuity = parameters.Annuity ?? 0,
DownpaymentAmount = parameters.DownpaymentAmount ?? 0,
Napr = parameters.InterestRate ?? 0,
RepaymentPeriod = parameters.RepaymentPeriod,
RepaymentPeriodStartDate = parameters.RepaymentPeriodStartDate,
GracePeriod = parameters.GracePeriod,
GracePeriodStartDate = parameters.GracePeriodStartDate,
DrawdownPeriod = parameters.DrawdownPeriod,
DrawdownPeriodStartDate = parameters.DrawdownPeriodStartDate,
MaturityDate = parameters.MaturityDate,
DownpaymentPercentage = parameters.DownpaymentPercentage,
InvoiceAmount = parameters.InvoiceAmount ?? 0,
IsRefinancing = parameters.IsRefinancing ?? false,
RepaymentType = parameters.RepaymentType,
InstallmentScheduleDayOfMonth = parameters.InstallmentScheduleDayOfMonth
};
arrangementRequest = termLoanRequest;
break;
case ArrangementKind.CardAccessArrangement:
arrangementRequest = new CardAccessArrangementRequest();
break;
case ArrangementKind.CreditCardFacility:
var creditCardFacilityRequest = new CreditCardFacilityRequest
{
Amount = parameters.Amount ?? 0,
Currency = parameters.Currency,
Napr = parameters.InterestRate ?? 0,
Term = Utility.GetMonthsFromPeriod(parameters.Term).ToString(),
MaturityDate = parameters.MaturityDate,
RevolvingPercentage = parameters.RevolvingPercentage ?? 0,
MinimalRepaymentPercentage = productData?.MinimalRepaymentPercentage ?? 0,
MinimalRepaymentAmount = new Currency
{
Amount = productData?.MinimalRepaymentAmount?.Amount ?? 0,
Code = productData?.MinimalRepaymentAmount?.Code ?? "EUR"
},
RepaymentType = parameters.RepaymentType,
InstallmentScheduleDayOfMonth = parameters.InstallmentScheduleDayOfMonth
};
arrangementRequest = creditCardFacilityRequest;
break;
case ArrangementKind.CreditFacility:
var creditFacilityRequest = new CreditFacilityRequest
{
Amount = parameters.Amount ?? 0,
Currency = parameters.Currency,
Napr = parameters.InterestRate ?? 0,
MaturityDate = parameters.MaturityDate,
MinimalRepaymentAmount = new Currency
{
Amount = productData?.MinimalRepaymentAmount?.Amount ?? 0,
Code = productData?.MinimalRepaymentAmount?.Code ?? "EUR"
}
};
arrangementRequest = creditFacilityRequest;
break;
case ArrangementKind.CurrentAccount:
var currentAccountRequest = new CurrentAccountRequest
{
Currency = parameters.Currency,
Napr = parameters.InterestRate ?? 0
};
arrangementRequest = currentAccountRequest;
break;
case ArrangementKind.DemandDeposit:
var demandDepositRequest = new DemandDepositRequest
{
Currency = parameters.Currency,
Napr = parameters.InterestRate ?? 0
};
arrangementRequest = demandDepositRequest;
break;
case ArrangementKind.ElectronicAccessArrangement:
arrangementRequest = new ElectronicAccessArrangementRequest();
break;
case ArrangementKind.OtherProductArrangement:
arrangementRequest = new OtherProductArrangementRequest();
break;
case ArrangementKind.OverdraftFacility:
var overdraftFacilityRequest = new OverdraftFacilityRequest
{
Amount = parameters.Amount ?? 0,
Currency = parameters.Currency,
Term = Utility.GetMonthsFromPeriod(parameters.Term).ToString(),
Napr = parameters.InterestRate ?? 0,
MaturityDate = parameters.MaturityDate,
RepaymentType = parameters.RepaymentType,
InstallmentScheduleDayOfMonth = parameters.InstallmentScheduleDayOfMonth
};
arrangementRequest = overdraftFacilityRequest;
break;
case ArrangementKind.SecuritiesArrangement:
arrangementRequest = new SecuritiesArrangementRequest();
break;
case ArrangementKind.TermDeposit:
var termDepositRequest = new TermDepositRequest
{
Amount = parameters.Amount ?? 0,
Currency = parameters.Currency,
Term = parameters.Term,
Napr = parameters.InterestRate ?? 0,
MaturityDate = parameters.MaturityDate
};
arrangementRequest = termDepositRequest;
break;
case ArrangementKind.Abstract:
arrangementRequest = new AbstractArrangementRequest
{
IsAbstractOrigin = true
};
break;
case ArrangementKind.CreditLine:
var creditLineRequest = new CreditLineRequest
{
Amount = parameters.Amount ?? 0,
Currency = parameters.Currency,
Term = parameters.Term
};
arrangementRequest = creditLineRequest;
break;
default:
arrangementRequest = new ArrangementRequest();
break;
}
arrangementRequest.Conditions = parameters.Conditions;
arrangementRequest.Periods = parameters.ScheduledPeriods;
arrangementRequest.CalculationDate = parameters.CalculationDate;
return(arrangementRequest);
}
