} // CreateNewLoan
public BuiltLoan BuildLoan(CashRequest cr, decimal amount, DateTime now, int term, int interestOnlyTerm = 0) {
decimal setupFeePct = cr.ManualSetupFeePercent ?? 0;
decimal brokerFeePct = cr.BrokerSetupFeePercent ?? 0;
decimal approvedAmount = (decimal)(cr.ManagerApprovedSum ?? cr.SystemCalculatedSum ?? 0);
if ((cr.Customer.Broker != null) && (approvedAmount != amount)) {
log.Debug(
"CreateNewLoan: broker customer '{0}', broker fee in cash request with approved amount {1} is {2}.",
cr.Customer.Stringify(),
approvedAmount.ToString("C2"),
brokerFeePct.ToString("P2")
);
Loan firstLoan = cr.Customer.Loans.OrderBy(l => l.Date).FirstOrDefault();
brokerFeePct = new CommissionCalculator(amount, firstLoan == null ? (DateTime?)null : firstLoan.Date)
.Calculate()
.BrokerCommission;
log.Debug(
"CreateNewLoan: broker customer '{0}', broker fee adjusted to loan amount {1} is {2}.",
cr.Customer.Stringify(),
amount.ToString("C2"),
brokerFeePct.ToString("P2")
);
} // if broker customer
var fees = new SetupFeeCalculator(setupFeePct, brokerFeePct).Calculate(amount);
decimal setupFee = fees.Total;
decimal brokerFee = fees.Broker;
var calculator = new LoanScheduleCalculator { Interest = cr.InterestRate, Term = term };
LoanLegal loanLegal = cr.LoanLegals.LastOrDefault();
var loan = new Loan {
LoanAmount = amount,
Date = now,
LoanType = cr.LoanType,
CashRequest = cr,
SetupFee = setupFee,
LoanLegalId = loanLegal == null ? (int?)null : loanLegal.Id
};
calculator.Calculate(amount, loan, loan.Date, interestOnlyTerm, cr.SpreadSetupFee());
loan.LoanSource = cr.LoanSource;
if (brokerFee > 0 && cr.Customer.Broker != null) {
loan.BrokerCommissions.Add(new LoanBrokerCommission {
Broker = cr.Customer.Broker,
CardInfo = cr.Customer.Broker.BankAccounts.FirstOrDefault(
x => x.IsDefault.HasValue && x.IsDefault.Value
),
CommissionAmount = brokerFee,
CreateDate = now,
Loan = loan,
});
} // if broker fee & broker
return new BuiltLoan {
Loan = loan,
BrokerFeePercent = brokerFeePct,
ManualSetupFeePercent = setupFeePct,
};
} // BuildLoan
} // BuildWizardModel
private void BuildProfileModel(CustomerModel customerModel, Customer customer)
{
customerModel.FirstName = string.Empty;
customerModel.MiddleName = string.Empty;
customerModel.LastName = string.Empty;
if (customer.PersonalInfo != null)
{
customerModel.FirstName = customer.PersonalInfo.FirstName;
customerModel.MiddleName = customer.PersonalInfo.MiddleInitial;
customerModel.LastName = customer.PersonalInfo.Surname;
} // if
customerModel.bankAccountAdded = customer.HasBankAccount;
if (customer.HasBankAccount)
{
customerModel.BankAccountNumber = customer.BankAccount.AccountNumber;
customerModel.SortCode = customer.BankAccount.SortCode;
} // if
customerModel.LastApprovedLoanTypeID = 0;
customerModel.LastApprovedRepaymentPeriod = 0;
customerModel.IsLastApprovedLoanSourceEu = false;
customerModel.IsLastApprovedLoanSourceCOSME = false;
customerModel.SignedLegalID = 0;
customerModel.LastApprovedAmount = 0;
customerModel.HasApprovalChance = customer.HasApprovalChance;
customerModel.IsLoanTypeSelectionAllowed = customer.IsLoanTypeSelectionAllowed;
if (customer.LastCashRequest != null)
{
customerModel.LastApprovedAmount = (int)(customer.LastCashRequest.ManagerApprovedSum ?? 0);
customerModel.LastApprovedLoanTypeID = customer.LastCashRequest.LoanType.Id;
customerModel.LastRepaymentPeriod = customer.LastCashRequest.RepaymentPeriod;
customerModel.LastApprovedRepaymentPeriod = customer.LastCashRequest.ApprovedRepaymentPeriod ?? customer.LastCashRequest.RepaymentPeriod;
customerModel.IsLastApprovedLoanSourceEu =
customer.LastCashRequest.LoanSource.Name == LoanSourceName.EU.ToString();
customerModel.IsLastApprovedLoanSourceCOSME =
customer.LastCashRequest.LoanSource.Name == LoanSourceName.COSME.ToString();
LoanLegal lastll = customer.LastCashRequest.LoanLegals.LastOrDefault();
customerModel.SignedLegalID = (lastll == null) ? 0 : lastll.Id;
customerModel.IsCustomerRepaymentPeriodSelectionAllowed = customer.LastCashRequest.IsCustomerRepaymentPeriodSelectionAllowed;
} // if
customerModel.Medal = customer.Medal.HasValue ? customer.Medal.ToString() : "";
customerModel.OfferStart = customer.OfferStart;
customerModel.OfferValidUntil = customer.OfferValidUntil;
customerModel.Loans = customer.Loans
.OrderBy(l => l.Status)
.ThenByDescending(l => l.Date)
.Select(l => LoanModel.FromLoan(l,
new LoanRepaymentScheduleCalculator(l, null, CurrentValues.Instance.AmountToChargeFrom),
new LoanRepaymentScheduleCalculator(l, DateTime.UtcNow, CurrentValues.Instance.AmountToChargeFrom)))
.ToList();
customerModel.TotalBalance = customerModel.Loans.Sum(l => l.Balance);
customerModel.PrincipalBalance = customer.ActiveLoans.Sum(l => l.LoanAmount);
customerModel.TotalEarlyPayment = customerModel.Loans.Sum(l => l.TotalEarlyPayment);
customerModel.TotalLatePayment = customerModel.Loans
.Where(l => l.Status == LoanStatus.Late.ToString())
.Sum(l => l.Late);
var nextPayment = (
from loan in customer.ActiveLoans
from repayment in loan.Schedule
where repayment.AmountDue > 0
where repayment.Status == LoanScheduleStatus.StillToPay || repayment.Status == LoanScheduleStatus.Late
orderby repayment.Date
select repayment
).FirstOrDefault();
if (nextPayment != null)
{
customerModel.NextPayment = nextPayment.AmountDue;
customerModel.NextPaymentDate = nextPayment.Date;
customerModel.IsEarly =
nextPayment.Date > DateTime.UtcNow && (
nextPayment.Date.Year != DateTime.UtcNow.Year ||
nextPayment.Date.Month != DateTime.UtcNow.Month ||
nextPayment.Date.Day != DateTime.UtcNow.Day
);
} // if
try {
customerModel.TotalPayEarlySavings = new LoanPaymentFacade().CalculateSavings(customer, DateTime.UtcNow);
} catch (Exception) {
//do nothing
} // try
var payments =
from loan in customer.Loans
from tran in loan.Transactions
where tran is PaypointTransaction
orderby tran.PostDate descending
select tran;
var lastPayment = payments.OfType <PaypointTransaction>().FirstOrDefault();
if (lastPayment != null)
{
customerModel.LastPaymentTotal = lastPayment.Amount;
customerModel.LastPaymentPrincipal = lastPayment.Principal;
customerModel.LastPaymentInterest = lastPayment.Interest;
customerModel.LastPaymentFees = lastPayment.Fees;
} // if
var isDefault =
customer.CollectionStatus != null &&
customer.CollectionStatus.IsDefault;
customerModel.BlockTakingLoan = customer.BlockTakingLoan;
//customerModel.Perks = isDefault ? null : m_oPerksRepository.GetActivePerk();
customerModel.TrustPilotStatusID = customer.TrustPilotStatus.ID;
// Currently disabled trust pilot for EVL customers
customerModel.TrustPilotReviewEnabled =
CurrentValues.Instance.TrustPilotReviewEnabled &&
customer.CustomerOrigin.IsEzbob();
customerModel.PayPointCards = FillPayPointCards(customer);
customerModel.ActiveRollovers = m_oPaymentRolloverRepository
.GetRolloversForCustomer(customer.Id)
.Where(x => x.Status == RolloverStatus.New)
.Select(x => new RolloverModel {
Created = x.Created,
CreatorName = x.CreatorName,
CustomerConfirmationDate = x.CustomerConfirmationDate,
ExpiryDate = x.ExpiryDate,
Id = x.Id,
LoanScheduleId = x.LoanSchedule.Id,
PaidPaymentAmount = x.PaidPaymentAmount,
Payment = x.Payment,
PaymentDueDate = x.PaymentDueDate,
PaymentNewDate = x.PaymentNewDate,
Status = x.Status,
LoanId = x.LoanSchedule.Loan.Id,
RolloverPayValue = GetRolloverPayValue(x.LoanSchedule.Loan)
});
customerModel.ApplyCount = customer.ApplyCount;
customerModel.IsDefaultCustomerStatus = customer.CollectionStatus.IsDefault;
customerModel.HasRollovers = customerModel.ActiveRollovers.Any();
var lastTurnover = customer.Turnovers.OrderByDescending(x => x.Timestamp)
.FirstOrDefault();
if (lastTurnover != null)
{
customerModel.Turnover = lastTurnover.Turnover;
customerModel.IsTurnoverExpired = (DateTime.Today - lastTurnover.Timestamp).TotalDays > (365.0 / 2); //half year
}
else
{
customerModel.Turnover = 0;
customerModel.IsTurnoverExpired = true;
}
SafeReader sr = DbConnectionGenerator.Get(new SafeILog(this)).GetFirst(
"LoadActiveLotteries",
CommandSpecies.StoredProcedure,
new QueryParameter("UserID", customer.Id),
new QueryParameter("Now", DateTime.UtcNow)
);
customerModel.LotteryPlayerID = sr.IsEmpty ? string.Empty : ((Guid)sr["UniqueID"]).ToString("N");
customerModel.LotteryCode = sr["LotteryCode"];
} // BuildProfileModel
