public void CalculateExpectedOLB2()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
package.KeepExpectedInstallment = false;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 20000, 0.02m, 10, 0, new DateTime(2009, 1, 17), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.Repay(1, new DateTime(2009, 1, 17), 1000, true, false);
Assert.AreEqual(19000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(17100, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(15200, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(13300, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(11400, myContract.CalculateExpectedOlb(5, false).Value);
Assert.AreEqual(9500, myContract.CalculateExpectedOlb(6, false).Value);
Assert.AreEqual(7600, myContract.CalculateExpectedOlb(7, false).Value);
Assert.AreEqual(5700, myContract.CalculateExpectedOlb(8, false).Value);
Assert.AreEqual(3800, myContract.CalculateExpectedOlb(9, false).Value);
Assert.AreEqual(1900, myContract.CalculateExpectedOlb(10, false).Value);
}
public void TestRepayFlat_GracePeriod_KeepNotExpectedInstallments()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
package.KeepExpectedInstallment = false;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 50000, 0.01m, 8, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.Repay(1, new DateTime(2006, 2, 1), 1050, true, true);
myContract.Repay(2, new DateTime(2006, 6, 1), 40000, true, true);
Assert.AreEqual(50000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(50000, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(50000m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(41666.67m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(33333.34m, myContract.CalculateExpectedOlb(5, false).Value);
//Assert.AreEqual(11428m, myContract.CalculateExpectedOLB(6, false).Value);
//Assert.AreEqual(7618.67m, myContract.CalculateExpectedOLB(7, false).Value);
//Assert.AreEqual(3809.34m, myContract.CalculateExpectedOLB(8, false).Value);
}
private static OCurrency AnticipateCalculateFeesBasedOnOlb(Loan pContract, DateTime date, int installmentNumber, OPaymentType paymentType)
{
Installment preInstallment = installmentNumber != 1
? pContract.GetInstallment(installmentNumber - 2)
: pContract.GetInstallment(installmentNumber - 1);
OCurrency amountHasToPay;
if (((preInstallment.IsRepaid) || (installmentNumber == 1)) || (!preInstallment.IsRepaid && preInstallment.ExpectedDate <= date))
{
if (pContract.EscapedMember != null)
{
//calculate olb for the person of the group
amountHasToPay = (pContract.CalculateExpectedOlb(installmentNumber, false) *
pContract.EscapedMember.LoanShareAmount / pContract.Amount);
}
else
{
amountHasToPay = pContract.CalculateExpectedOlb(installmentNumber, false) - pContract.GetInstallment(installmentNumber - 1).PaidCapital;
}
}
else
{
amountHasToPay = 0;
}
if (paymentType == OPaymentType.TotalPayment || pContract.EscapedMember != null)
{
return(amountHasToPay.Value * Convert.ToDecimal(pContract.AnticipatedTotalRepaymentPenalties));
}
return(amountHasToPay.Value * Convert.ToDecimal(pContract.AnticipatedPartialRepaymentPenalties));
}
public void OLB_Flat_NoRepayment_NoGracePeriod()
{
Loan myContract = _GetLoan(new DateTime(2006, 2, 1), 5, 0, OLoanTypes.Flat);
Assert.AreEqual(1000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(800, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(600, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(400, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(200, myContract.CalculateExpectedOlb(5, false).Value);
}
public void OLB_DecliningFixedInstallments_OneRepayment_OneMonthGracePeriod_Overdue_KeepNotExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 750, 0.03m, 9, 1, new DateTime(2006, 2, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 3, 1), 740, false, false);
Assert.AreEqual(750, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(32.5m, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(28.85m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(25.09m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(21.21m, myContract.CalculateExpectedOlb(5, false).Value);
Assert.AreEqual(17.22m, myContract.CalculateExpectedOlb(6, false).Value);
Assert.AreEqual(13.11m, myContract.CalculateExpectedOlb(7, false).Value);
Assert.AreEqual(8.87m, myContract.CalculateExpectedOlb(8, false).Value);
Assert.AreEqual(4.51m, myContract.CalculateExpectedOlb(9, false).Value);
}
public void OLB_Flat_OneRepaymentBeforeDueDate_NoGracePeriod_NoOverDue_KeepExpectedInstallment()
{
Loan myContract = _GetLoan(new DateTime(2006, 2, 1), 5, 0, OLoanTypes.Flat);
myContract.Repay(1, new DateTime(2006, 2, 24), 500, true, true);
Assert.AreEqual(1000, myContract.CalculateExpectedOlb(1, true).Value);
Assert.AreEqual(800, myContract.CalculateExpectedOlb(2, true).Value);
Assert.AreEqual(600, myContract.CalculateExpectedOlb(3, true).Value);
Assert.AreEqual(400, myContract.CalculateExpectedOlb(4, true).Value);
Assert.AreEqual(200, myContract.CalculateExpectedOlb(5, true).Value);
}
public void OLB_Flat_OneRepaymentBeforeDueDate_NoGracePeriod_NoOverDue_KeepNotExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
Loan myContract = _GetLoan(new DateTime(2010, 1, 1), 5, 0, OLoanTypes.Flat);
myContract.Repay(1, new DateTime(2010, 1, 26), 500, true, false);
Assert.AreEqual(524.19m, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(419.35m, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(314.51m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(209.67m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(104.83m, myContract.CalculateExpectedOlb(5, false).Value);
}
public void OLB_Flat_TwosRepayments_SecondBeforeDueDate_NoGracePeriod_NoOverDue_KeepNotExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
Loan myContract = _GetLoan(new DateTime(2006, 2, 1), 5, 0, OLoanTypes.Flat);
myContract.Repay(1, new DateTime(2006, 3, 1), 230, true, false);
myContract.Repay(2, new DateTime(2006, 4, 1), 320, true, false);
Assert.AreEqual(1000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(508.18m, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(381.13m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(254.08m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(127.03m, myContract.CalculateExpectedOlb(5, false).Value);
}
public void OLB_Flat_OneRepayment_NoGracePeriod_OverDue_KeepNotExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
Loan myContract = _GetLoan(new DateTime(2006, 2, 1), 5, 0, OLoanTypes.Flat);
myContract.Repay(1, new DateTime(2006, 3, 1), 630, true, false);
Assert.AreEqual(1000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(400, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(300, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(200, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(100, myContract.CalculateExpectedOlb(5, false).Value);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
}
public void OLB_Flat_TotalRepayment_GracePeriod_KeepNotExpectedInstallment()
{
Loan myContract = _GetLoan(new DateTime(2006, 1, 1), 6, 1, OLoanTypes.Flat);
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
myContract.Repay(2, new DateTime(2006, 3, 1), 230, true, false);
myContract.Repay(3, new DateTime(2006, 3, 20), 920, true, true);
Assert.AreEqual(1000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(1000, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(800, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(600, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(400, myContract.CalculateExpectedOlb(5, false).Value);
Assert.AreEqual(200, myContract.CalculateExpectedOlb(6, false).Value);
}
private static OCurrency AnticipateCalculateFeesBasedOnOlb(Loan pContract, DateTime date, int installmentNumber, OPaymentType paymentType)
{
Installment preInstallment = installmentNumber != 1
? pContract.GetInstallment(installmentNumber - 2)
: pContract.GetInstallment(installmentNumber - 1);
OCurrency amountHasToPay;
if (((preInstallment.IsRepaid) || (installmentNumber == 1)) || (!preInstallment.IsRepaid && preInstallment.ExpectedDate <= date))
{
if (pContract.EscapedMember != null)
{
//calculate olb for the person of the group
amountHasToPay = (pContract.CalculateExpectedOlb(installmentNumber, false) *
pContract.EscapedMember.LoanShareAmount / pContract.Amount);
}
else
{
amountHasToPay = pContract.CalculateExpectedOlb(installmentNumber, false) - pContract.GetInstallment(installmentNumber - 1).PaidCapital;
}
}
else
{
amountHasToPay = 0;
}
if (paymentType == OPaymentType.TotalPayment || pContract.EscapedMember != null)
return amountHasToPay.Value * Convert.ToDecimal(pContract.AnticipatedTotalRepaymentPenalties);
return amountHasToPay.Value * Convert.ToDecimal(pContract.AnticipatedPartialRepaymentPenalties);
}
public static OCurrency CalculateAnticipateRepayment(Loan pContract, DateTime pDate, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate, OPaymentType pPaymentType)
{
Installment pInstallment = null;
OCurrency interests = 0;
Installment priorInstallment;
OCurrency olb = 0;
OCurrency fees = 0;
OCurrency ammountHasToPay = 0;
for (int i = 0; i < pContract.NbOfInstallments; i++)
{
Installment installment = pContract.GetInstallment(i);
if (!installment.IsRepaid && installment.ExpectedDate > pDate)
{
if (pInstallment == null)
{
pInstallment = installment;
if (olb == 0)
{
olb = pContract.CalculateExpectedOlb(pInstallment.Number, false);
}
//is case APR on the first installment
DateTime expectedDate;
if (i == 0)
{
expectedDate = pContract.StartDate;
}
else
{
priorInstallment = pContract.GetInstallment(i - 1);
expectedDate = priorInstallment.ExpectedDate;
}
int daySpan = (pDate - expectedDate).Days < 0 ? 0 : (pDate - expectedDate).Days;
int daysInMonth = DateTime.DaysInMonth(pDate.Year, pDate.Month);
if (pGeneralSettings.AccountingProcesses == OAccountingProcesses.Accrual)
{
interests = pInstallment.InterestsRepayment * daySpan / daysInMonth;
}
else
{
interests = pInstallment.ExpectedDate > pDate ? 0 : pInstallment.InterestsRepayment;
}
}
fees += CalculateCommision(pContract, pDate, installment.Number, pPaymentType, pGeneralSettings);
}
if (!installment.IsRepaid && installment.ExpectedDate <= pDate)
{
ammountHasToPay += installment.InterestsRepayment + installment.PrincipalHasToPay;
}
}
if (interests != 0)
interests = pContract.UseCents ? Math.Round(interests.Value, 2) : Math.Round(interests.Value, 0);
OCurrency amount = interests + fees + ammountHasToPay;
return amount;
}
public static OCurrency CalculateAnticipateRepayment(Loan pContract, DateTime pDate, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate, OPaymentType pPaymentType)
{
Installment pInstallment = null;
OCurrency interests = 0;
Installment priorInstallment;
OCurrency olb = 0;
OCurrency fees = 0;
OCurrency ammountHasToPay = 0;
for (int i = 0; i < pContract.NbOfInstallments; i++)
{
Installment installment = pContract.GetInstallment(i);
if (!installment.IsRepaid && installment.ExpectedDate > pDate)
{
if (pInstallment == null)
{
pInstallment = installment;
if (olb == 0)
{
olb = pContract.CalculateExpectedOlb(pInstallment.Number, false);
}
//is case APR on the first installment
DateTime expectedDate;
if (i == 0)
{
expectedDate = pContract.StartDate;
}
else
{
priorInstallment = pContract.GetInstallment(i - 1);
expectedDate = priorInstallment.ExpectedDate;
}
int daySpan = (pDate - expectedDate).Days < 0 ? 0 : (pDate - expectedDate).Days;
int daysInMonth = DateTime.DaysInMonth(pDate.Year, pDate.Month);
if (pGeneralSettings.AccountingProcesses == OAccountingProcesses.Accrual)
{
interests = pInstallment.InterestsRepayment * daySpan / daysInMonth;
}
else
{
interests = pInstallment.ExpectedDate > pDate ? 0 : pInstallment.InterestsRepayment;
}
}
fees += CalculateCommision(pContract, pDate, installment.Number, pPaymentType, pGeneralSettings);
}
if (!installment.IsRepaid && installment.ExpectedDate <= pDate)
{
ammountHasToPay += installment.InterestsRepayment + installment.PrincipalHasToPay;
}
}
if (interests != 0)
{
interests = pContract.UseCents ? Math.Round(interests.Value, 2) : Math.Round(interests.Value, 0);
}
OCurrency amount = interests + fees + ammountHasToPay;
return(amount);
}