public List <Installment> CalculateInstallments(bool changeDate)
{
List <Installment> schedule = new List <Installment>();
OCurrency olb = _contract.Amount;
OCurrency totalInterestsRepayment = _contract.Amount * Convert.ToDecimal(_contract.InterestRate) * (_contract.NbOfInstallments - _contract.GracePeriod.Value);
decimal decCr = 0;
decimal decIr = 0;
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment {
Number = number, FeesUnpaid = 0, OLB = olb
};
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
else
{
installment = _contract.GetInstallment(number - 1);
}
if (number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = 0;
}
installment.CapitalRepayment = 0;
installment.InterestsRepayment = Math.Round(installment.OLB.Value * Convert.ToDecimal(_contract.InterestRate) + decIr, _roundingPoint);
decIr = _contract.Amount.Value * Convert.ToDecimal(_contract.InterestRate) - installment.InterestsRepayment.Value;
}
else
{
ExoticInstallment exoInstallment = _contract.Product.ExoticProduct.GetExoticInstallment(number - _contract.GracePeriod.Value - 1);
OCurrency cr = Convert.ToDecimal(exoInstallment.PrincipalCoeff) * _contract.Amount.Value + decCr;
installment.CapitalRepayment = Math.Round(cr.Value, _roundingPoint);
decCr = cr.Value - installment.CapitalRepayment.Value;
OCurrency ir = totalInterestsRepayment.Value * Convert.ToDecimal(exoInstallment.InterestCoeff) + decIr;
installment.InterestsRepayment = Math.Round(ir.Value, _roundingPoint);
decIr = ir.Value - installment.InterestsRepayment.Value;
}
olb -= installment.CapitalRepayment.Value;
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment = Math.Round(installment.InterestsRepayment.Value / _contract.NbOfDaysInTheInstallment * (_contract.FirstInstallmentDate - _contract.StartDate).Days, _roundingPoint);
}
schedule.Add(installment);
}
return(schedule);
}
public List <Installment> CalculateInstallments(bool changeDate)
{
List <Installment> schedule = new List <Installment>();
OCurrency olb = _contract.Amount;
DateTime date = _contract.AlignDisbursementDate;
int daysInTheYear = GetDaysInAYear(_contract.AlignDisbursementDate.Date.Year);
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment {
Number = number, FeesUnpaid = 0
};
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
installment.OLB = Math.Round(olb.Value, _roundingPoint);
int days = (installment.ExpectedDate - date).Days;
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment =
Math.Round(olb.Value * Convert.ToDecimal(_contract.InterestRate) / daysInTheYear *
(installment.ExpectedDate - _contract.StartDate).Days, _roundingPoint);
}
else
{
installment.InterestsRepayment =
Math.Round((olb * _contract.InterestRate / daysInTheYear * days).Value,
_roundingPoint, MidpointRounding.AwayFromZero);
}
if (number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = 0;
}
installment.CapitalRepayment = 0;
}
else
{
OCurrency principal = olb / (double)(_contract.NbOfInstallments - number + 1);
installment.CapitalRepayment = Math.Round(principal.Value, _roundingPoint);
}
olb -= installment.CapitalRepayment;
date = installment.ExpectedDate;
schedule.Add(installment);
}
return(schedule);
}
private DateTime[] _Reschedule_AdjustDates(ReschedulingOptions ro)
{
DateTime[] retval = new DateTime[2];
DateTime oldDate = DateTime.MinValue;
DateTime newDate = DateTime.MinValue;
bool first = false;
int number = 0;
for (int i = 0; i < _contract.InstallmentList.Count; i++)
{
Installment installment = _contract.GetInstallment(i);
if (installment.IsRepaid)
{
continue;
}
if (!first)
{
first = true;
oldDate = installment.ExpectedDate;
newDate = installment.ExpectedDate;
if (0 == ro.RepaymentDateOffset)
{
break;
}
newDate = newDate.AddDays(ro.RepaymentDateOffset);
DateTime actualNewDate = _nwdS.GetTheNearestValidDate(newDate,
_generalSettings.IsIncrementalDuringDayOff,
_generalSettings.DoNotSkipNonWorkingDays, true);
installment.ExpectedDate = actualNewDate;
}
installment.ExpectedDate = _contract.CalculateInstallmentDate(newDate, number);
number++;
}
retval[0] = oldDate;
retval[1] = newDate;
return(retval);
}
public void TestCalculateInstallmentDateWhenWeekEndDay2IsSunday()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 6, 30), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(new DateTime(2006, 7, 31), myContract.CalculateInstallmentDate(myContract.StartDate, 1));
}
public List <Installment> CalculateInstallments(bool changeDate)
{
List <Installment> schedule = new List <Installment>();
OCurrency olb = _contract.Amount;
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment {
Number = number, FeesUnpaid = 0
};
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
decimal olbValue = olb.Value;
installment.OLB = Math.Round(olbValue, _roundingPoint);
decimal interestRepayment = (olbValue * _contract.InterestRate);
installment.InterestsRepayment = Math.Round(interestRepayment, _roundingPoint);
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment = Math.Round(installment.InterestsRepayment.Value / _contract.NbOfDaysInTheInstallment * (_contract.FirstInstallmentDate - _contract.StartDate).Days, _roundingPoint);
}
if (number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = 0;
}
installment.CapitalRepayment = 0;
}
else
{
OCurrency principal = olb / (double)(_contract.NbOfInstallments - number + 1);
installment.CapitalRepayment = Math.Round(principal.Value, _roundingPoint);
}
olb -= installment.CapitalRepayment;
schedule.Add(installment);
}
return(schedule);
}
private void TrancheExtendMaturity(int newInstallments, DateTime pFirstInstallmentDate)
{
if (newInstallments > 0)
{
List <Installment> listInstallment = new List <Installment>();
listInstallment.AddRange(_currentLoan.InstallmentList);
foreach (Installment _installment in _currentLoan.InstallmentList)
{
if (!_installment.IsRepaid)
{
listInstallment.Remove(_installment);
}
}
int lastNumber = listInstallment.Count;
_trancheEvent.StartedFromInstallment = lastNumber;
for (int i = 1; i <= newInstallments; i++)
{
DateTime expectedDate = _currentLoan.CalculateInstallmentDate(pFirstInstallmentDate, i);
Installment installment = new Installment
{
Number = lastNumber + i,
CapitalRepayment = 0,
PaidCapital = 0,
CommissionsUnpaid = 0,
FeesUnpaid = 0,
InterestsRepayment = 1,
PaidInterests = 0,
ExpectedDate = expectedDate
};
listInstallment.Add(installment);
}
_currentLoan.InstallmentList = listInstallment;
_currentLoan.NbOfInstallments = _currentLoan.InstallmentList.Count;
}
}
public List <Installment> CalculateInstallments(bool changeDate)
{
List <Installment> schedule = new List <Installment>();
OCurrency olb = _contract.Amount;
OCurrency totalAmount = _contract.Amount;
OCurrency totalInterest = _contract.GracePeriod.HasValue &&
!_contract.Product.ChargeInterestWithinGracePeriod
? Math.Round(
_contract.Amount.Value * Convert.ToDecimal(_contract.InterestRate) *
(_contract.NbOfInstallments - _contract.GracePeriod.Value),
_roundingPoint, MidpointRounding.AwayFromZero)
: Math.Round(
_contract.Amount.Value * Convert.ToDecimal(_contract.InterestRate) *
_contract.NbOfInstallments, _roundingPoint,
MidpointRounding.AwayFromZero);
int nbOfInstallmentWithoutGracePeriod = _contract.GracePeriod.HasValue
? _contract.NbOfInstallments - _contract.GracePeriod.Value
: _contract.NbOfInstallments;
OCurrency sumOfPrincipal = 0;
OCurrency sumOfInterest = 0;
OCurrency interestBase = _contract.Product.ChargeInterestWithinGracePeriod
? Math.Round(
(totalInterest.Value - sumOfInterest.Value) /
(nbOfInstallmentWithoutGracePeriod + _contract.GracePeriod.Value),
_roundingPoint, MidpointRounding.AwayFromZero)
: Math.Round(
(totalInterest.Value - sumOfInterest.Value) /
(nbOfInstallmentWithoutGracePeriod),
_roundingPoint, MidpointRounding.AwayFromZero);
OCurrency principalBase = Math.Round(
(totalAmount.Value - sumOfPrincipal.Value) /
(nbOfInstallmentWithoutGracePeriod),
_roundingPoint, MidpointRounding.AwayFromZero);
int installmentNumberWithoutGracePeriodForCapital = 0;
int installmentNumberWithoutGracePeriodForInterest = 0;
if (!_contract.Rescheduled)
{
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment {
Number = number, FeesUnpaid = 0
};
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
installment.OLB = olb;
OCurrency interest = Math.Round(
(totalInterest.Value - sumOfInterest.Value) /
(_contract.NbOfInstallments - installmentNumberWithoutGracePeriodForInterest),
_roundingPoint, MidpointRounding.AwayFromZero);
OCurrency principal = Math.Round(
(totalAmount.Value - sumOfPrincipal.Value) /
(nbOfInstallmentWithoutGracePeriod - installmentNumberWithoutGracePeriodForCapital),
_roundingPoint, MidpointRounding.AwayFromZero);
if (_contract.Product.RoundingType == ORoundingType.End ||
_contract.Product.RoundingType == ORoundingType.Begin)
{
interest = interestBase;
principal = principalBase;
}
if (_contract.GracePeriod.HasValue && number <= _contract.GracePeriod)
{
installment.CapitalRepayment = 0;
if (_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = interest;
sumOfInterest += installment.InterestsRepayment;
installmentNumberWithoutGracePeriodForInterest++;
}
else
{
installment.InterestsRepayment = 0;
installmentNumberWithoutGracePeriodForInterest++;
}
}
else
{
installment.CapitalRepayment = principal;
sumOfPrincipal += installment.CapitalRepayment;
installmentNumberWithoutGracePeriodForCapital++;
installment.InterestsRepayment = interest;
sumOfInterest += installment.InterestsRepayment;
installmentNumberWithoutGracePeriodForInterest++;
}
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment =
Math.Round(
installment.InterestsRepayment.Value / _contract.NbOfDaysInTheInstallment *
(_contract.FirstInstallmentDate - _contract.StartDate).Days, _roundingPoint,
MidpointRounding.AwayFromZero);
}
olb -= installment.CapitalRepayment.Value;
schedule.Add(installment);
}
}
if (_contract.Product.RoundingType == ORoundingType.End)
{
schedule[_contract.NbOfInstallments - 1].InterestsRepayment += totalInterest - sumOfInterest;
schedule[_contract.NbOfInstallments - 1].CapitalRepayment += totalAmount - sumOfPrincipal;
}
if (_contract.Product.RoundingType == ORoundingType.Begin)
{
schedule[0].CapitalRepayment += totalInterest - sumOfInterest;
schedule[0].CapitalRepayment += totalAmount - sumOfPrincipal;
}
return(schedule);
}
public List <Installment> CalculateInstallments(bool pChangeDate)
{
List <Installment> schedule = new List <Installment>();
OCurrency olb = _startAmount;
OCurrency VPM = 0;
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment;
if (pChangeDate)
{
installment = new Installment {
Number = number
};
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate,
installment.Number);
}
else
{
installment = _contract.GetInstallment(number - 1);
}
installment.FeesUnpaid = 0;
installment.InterestsRepayment = Math.Round(olb.Value * Convert.ToDecimal(_contract.InterestRate),
_roundingPoint, MidpointRounding.AwayFromZero);
if (installment.Number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = 0;
}
installment.CapitalRepayment = 0;
}
else
{
OCurrency installmentVpm = Math.Round(_contract.VPM(olb, _numberOfInstallmentsToPay - installment.Number + 1).Value,
_roundingPoint, MidpointRounding.AwayFromZero);
if ((_contract.Product.RoundingType == ORoundingType.End ||
_contract.Product.RoundingType == ORoundingType.Begin) && VPM == 0)
{
VPM = installmentVpm;
}
else if (_contract.Product.RoundingType == ORoundingType.Approximate)
{
VPM = installmentVpm;
}
OCurrency capital =
Math.Round((VPM.Value - Math.Round(olb.Value * Convert.ToDecimal(_contract.InterestRate), _roundingPoint)),
_roundingPoint, MidpointRounding.AwayFromZero);
installment.CapitalRepayment = capital;
//to count the difference in case End and Beging rounding type
OCurrency installemtDiff = VPM - (installment.CapitalRepayment + installment.InterestsRepayment);
if (installemtDiff != 0)
{
installment.CapitalRepayment += installemtDiff;
}
olb -= capital + installemtDiff;
///////////////////////////////////////////////////////////////
}
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment =
Math.Round(
installment.InterestsRepayment.Value / _contract.NbOfDaysInTheInstallment *
(_contract.FirstInstallmentDate - _contract.StartDate).Days, _roundingPoint,
MidpointRounding.AwayFromZero);
}
if (pChangeDate)
{
schedule.Add(installment);
}
}
if (_contract.Product.RoundingType == ORoundingType.End && olb != 0)
{
schedule[_contract.NbOfInstallments - 1].CapitalRepayment += olb;
}
if (_contract.Product.RoundingType == ORoundingType.Begin && olb != 0)
{
schedule[0].CapitalRepayment += olb;
}
olb = _startAmount;
OCurrency capetalRepayment = 0;
//OLB Calculation
foreach (Installment installment in schedule)
{
olb -= capetalRepayment;
installment.OLB = olb;
capetalRepayment = installment.CapitalRepayment;
}
return(schedule);
}