public void DateDiffInWeeks() {
DateTime start = DateTime.UtcNow;
DateTime end = start.AddMonths(3)
.AddDays(27)
.AddHours(23);
int weeksa = MiscUtils.DateDiffInWeeks(start, end);
Console.WriteLine(weeksa);
}
public void DateDiffInWeeks2() {
//09/24/2016
DateTime start = new DateTime(2015, 8, 11);
Console.WriteLine(start);
DateTime end = new DateTime(2016, 9, 24);
Console.WriteLine(end);
int weeksa = MiscUtils.DateDiffInWeeks(start, end);
Console.WriteLine(weeksa);
}
public ReschedulingResult Result; // output
public override void Execute()
{
NL_AddLog(LogType.Info, "Strategy Start", this.ReschedulingArguments, null, null, null);
if (!this.ReschedulingArguments.RescheduleIn && this.ReschedulingArguments.PaymentPerInterval == null)
{
this.Result.Error = "Weekly/monthly payment amount for OUT rescheduling not provided";
this.loanRep.Clear();
return;
}
try {
this.loanRep.BeginTransaction();
GetCurrentLoanState();
if (this.tLoan == null)
{
this.Result.Error = string.Format("Loan ID {0} not found", this.ReschedulingArguments.LoanID);
this.Result.BlockAction = true;
ExitStrategy("Exit_1");
return;
}
// check status, don't continue for "PaidOff"
if (this.tLoan.Status == LoanStatus.PaidOff)
{
this.Result.Error = string.Format("Loan ID {0} paid off. Loan balance: {1}", this.tLoan.Id, 0m.ToString("C2", this.cultureInfo));
this.Result.BlockAction = true;
ExitStrategy("Exit_2", this.sendDebugMail);
return;
}
// input validation for "IN"
if (this.ReschedulingArguments.RescheduleIn && (this.Result.FirstItemDate > this.Result.LoanCloseDate))
{
this.Result.Error = "Within loan arrangement is impossible";
this.Result.BlockAction = true;
ExitStrategy("Exit_3", this.sendDebugMail);
return;
}
// "IN" - check between interval boundaries
if (this.ReschedulingArguments.RescheduleIn && (this.Result.FirstItemDate < this.Result.ReschedulingIntervalStart || this.Result.FirstItemDate > this.Result.ReschedulingIntervalEnd))
{
this.Result.Error = "Wrong re-scheduling date sent (any day on the calendar within next 30 days allowed)";
this.Result.BlockAction = true;
ExitStrategy("Exit_3a", this.sendDebugMail);
return;
}
// "OUT" - check past date
if (this.ReschedulingArguments.RescheduleIn == false && this.Result.FirstItemDate.Date < this.Result.ReschedulingIntervalStart)
{
this.Result.Error = "Wrong re-scheduling date sent (only future date allowed)";
this.Result.BlockAction = true;
ExitStrategy("Exit_3b", this.sendDebugMail);
return;
}
this.Result.OpenPrincipal = this.tLoan.Principal;
// if sent "default" value (0), replace by default calculated
if (!this.ReschedulingArguments.RescheduleIn && this.ReschedulingArguments.PaymentPerInterval == 0)
{
this.ReschedulingArguments.PaymentPerInterval = this.Result.DefaultPaymentPerInterval;
}
Log.Debug("\n==========RE-SCHEDULING======ARGUMENTS: {0}==========LoanState: {1}\n", this.ReschedulingArguments, this.tLoan);
// check Marking loan {0} as 'PaidOff' in \ezbob\Integration\DatabaseLib\Model\Loans\Loan.cs(362)
var calc = new LoanRepaymentScheduleCalculator(this.tLoan, DateTime.UtcNow, CurrentValues.Instance.AmountToChargeFrom);
try {
if (calc.NextEarlyPayment() == 0)
{
this.Result.Error = string.Format("Loan {0} marked as 'PaidOff'. Loan balance: {1}", this.tLoan.Id, 0m.ToString("C2", this.cultureInfo));
this.Result.BlockAction = true;
ExitStrategy("Exit_4", this.sendDebugMail);
return;
}
// ReSharper disable once CatchAllClause
} catch (Exception calcEx) {
Log.Info("LoanRepaymentScheduleCalculator NextEarlyPayment EXCEPTION: {0}", calcEx.Message);
}
var lastPaidSchedule = this.tLoan.Schedule.OrderBy(s => s.Date).LastOrDefault(s => (s.Status == LoanScheduleStatus.Paid || s.Status == LoanScheduleStatus.PaidOnTime || s.Status == LoanScheduleStatus.PaidEarly));
// if StopFutureInterest checked - add active "freeze inteval" from FirstItemDate untill NoLimitDate
if (this.ReschedulingArguments.RescheduleIn == false && this.ReschedulingArguments.StopFutureInterest)
{
//TODO : also add it to NL_InterestFreeze && deactivating.
LoanInterestFreeze freeze = new LoanInterestFreeze {
Loan = this.tLoan,
StartDate = lastPaidSchedule != null ? lastPaidSchedule.Date : this.tLoan.Date.Date, //this.Result.FirstItemDate,
EndDate = this.noLimitDate, // NoLimitDate from LoanEditorController.cs - move to common area
InterestRate = 0,
ActivationDate = this.Result.FirstItemDate,
DeactivationDate = null
};
if (!this.tLoan.InterestFreeze.Contains(freeze))
{
this.tLoan.InterestFreeze.Add(freeze);
}
calc.GetState(); // reload state with freeze consideration
}
decimal totalEarlyPayment = calc.TotalEarlyPayment();
decimal P = this.Result.OpenPrincipal;
decimal F = calc.FeesToPay; // unpaid fees
//decimal I = lastPaidSchedule != null ? (calc.GetInterestRate(lastPaidSchedule.Date.AddDays(1), this.Result.FirstItemDate) *P) : (calc.GetInterestRate(this.tLoan.Date.Date.AddDays(1), this.Result.FirstItemDate) * P); // unpaid interest till rescheduling start date
decimal I = (totalEarlyPayment - P - F); // unpaid interest till first rescheduled item
I = I < 0 ? 0 : I; // bugfix EZ-4236
decimal r = ((this.ReschedulingArguments.RescheduleIn == false && this.ReschedulingArguments.StopFutureInterest)) ? 0 : this.tLoan.InterestRate;
this.Result.ReschedulingBalance = (P + I + F); // not final - add to I period from rescheduling date untill new maturity date
Log.Debug("--------------P: {0}, I: {1}, F: {2}, LoanCloseDate: {3}, totalEarlyPayment: {4}, r: {5}, ReschedulingBalance: {6}, \n lastPaidSchedule: {7}",
P,
I,
F,
this.Result.LoanCloseDate.Date,
totalEarlyPayment,
r,
this.Result.ReschedulingBalance,
lastPaidSchedule);
// 3. intervals number
// IN
if (this.ReschedulingArguments.RescheduleIn)
{
// add "grace" period - 14 days to maturity date
DateTime closeDateWithGrace = this.Result.LoanCloseDate.Date.AddDays(14);
this.Result.IntervalsNum = this.ReschedulingArguments.ReschedulingRepaymentIntervalType == RepaymentIntervalTypes.Month ? MiscUtils.DateDiffInMonths(this.Result.FirstItemDate, closeDateWithGrace) : MiscUtils.DateDiffInWeeks(this.Result.FirstItemDate, closeDateWithGrace);
// adjust intervals number +1 if needed
DateTime rescheduledCloseDate = this.ReschedulingArguments.ReschedulingRepaymentIntervalType == RepaymentIntervalTypes.Month ?
this.Result.FirstItemDate.AddMonths(this.Result.IntervalsNum) :
this.Result.FirstItemDate.AddDays(this.Result.IntervalsNum * 7);
Log.Debug("rescheduledCloseDate: {0}, Result.IntervalsNum: {1}, Result.LoanCloseDate: {2}, closeDateWithGrace: {3}", rescheduledCloseDate, this.Result.IntervalsNum, this.Result.LoanCloseDate.Date, closeDateWithGrace);
TimeSpan ts = closeDateWithGrace.Date.Subtract(rescheduledCloseDate.Date);
if (ts.Days > 0)
{
this.Result.IntervalsNum += 1;
}
Log.Debug("Adjusted intervals: rescheduledCloseDate: {0}, Result.IntervalsNum: {1}, Result.LoanCloseDate: {2}, closeDateWithGrace: {3}, dDays: {4}", rescheduledCloseDate, this.Result.IntervalsNum, this.Result.LoanCloseDate.Date, closeDateWithGrace, ts.Days);
}
// OUT - real intervals (k) calculation
if (this.ReschedulingArguments.RescheduleIn == false)
{
// too much payment per interval
if (this.ReschedulingArguments.PaymentPerInterval > this.Result.ReschedulingBalance)
{
// ReSharper disable once PossibleInvalidOperationException
this.message = string.Format("The entered amount accedes the outstanding balance of {0} for payment of {1}",
this.Result.ReschedulingBalance.ToString("C2", this.cultureInfo), this.ReschedulingArguments.PaymentPerInterval.Value.ToString("C2", this.cultureInfo));
this.Result.Error = this.message;
ExitStrategy("Exit_6", this.sendDebugMail);
return;
}
// ReSharper disable once PossibleInvalidOperationException
decimal m = (decimal)this.ReschedulingArguments.PaymentPerInterval;
// System.DivideByZeroException: Attempted to divide by zero prevent
decimal kDiv = (m - this.Result.ReschedulingBalance * r);
if (kDiv == 0)
{
kDiv = 1;
}
var k = (int)Math.Ceiling(this.Result.ReschedulingBalance / kDiv);
this.Result.IntervalsNum = k;
Log.Debug("k: {0}, P: {1}, I: {2}, F: {3}, r: {4}, oustandingBalance: {5}, m: {6}, StopFutureInterest: {7}", k, P, I, F, r, this.Result.ReschedulingBalance, m, this.ReschedulingArguments.StopFutureInterest);
// uncovered loan - too small payment per interval
if (k < 0)
{
this.Result.Error = "Chosen amount is not sufficient for covering the loan overtime, i.e. accrued interest will be always greater than the repaid amount per payment";
ExitStrategy("Exit_7", this.sendDebugMail);
return;
}
this.Result.LoanCloseDate = this.ReschedulingArguments.ReschedulingRepaymentIntervalType == RepaymentIntervalTypes.Month ? this.Result.FirstItemDate.AddMonths(k) : this.Result.FirstItemDate.AddDays(k * 7);
Log.Debug("new close date: {0}", this.Result.LoanCloseDate);
// DON'T DELETE - can be used in new calculator
//int n = (int)Math.Ceiling(P / (m - P * r));
//decimal x = 0m; = this.Result.ReschedulingBalance * r * (int)((k + 1) / 2) - P * r * (int)((n + 1) / 2);
//Log.Debug("n: {0}, k: {1}, P: {2}, I: {3}, F: {4}, r: {5}, oustandingBalance: {6}, m: {7}, X: {8}, closeDate: {9}, Result.IntervalsNum: {10}", n, k, P, I, F, r, this.Result.ReschedulingBalance, m, x, this.Result.LoanCloseDate, this.Result.IntervalsNum);
}
Log.Debug("close date: {0}, intervals: {1}", this.Result.LoanCloseDate, this.Result.IntervalsNum);
if (this.Result.IntervalsNum == 0)
{
this.Result.Error = "Rescheduling impossible (calculated payments number 0)";
this.Result.BlockAction = true;
ExitStrategy("Exit_8", this.sendDebugMail);
return;
}
// remove unpaid (lates, stilltopays passed) and future unpaid schedule items
foreach (var rmv in this.tLoan.Schedule.ToList <LoanScheduleItem>())
{
// if loan has future items that already paid ("paid early"), re-scheduling not allowed
if ((rmv.Status == LoanScheduleStatus.Paid || rmv.Status == LoanScheduleStatus.PaidOnTime || rmv.Status == LoanScheduleStatus.PaidEarly) && rmv.Date > this.Result.FirstItemDate)
{
this.Result.Error = string.Format("Currently it is not possible to apply rescheduling future if payment/s relaying in the future have been already covered with early made payment, partially or entirely. " +
"You can apply rescheduling option after [last covered payment day].");
this.Result.BlockAction = true;
ExitStrategy("Exit_5", this.sendDebugMail);
return;
}
if (rmv.Date >= this.Result.FirstItemDate)
{
this.tLoan.Schedule.Remove(rmv);
}
if (rmv.Date <= this.Result.FirstItemDate && rmv.Status == LoanScheduleStatus.Late)
{
this.tLoan.Schedule.Remove(rmv);
this.tLoan.TryAddRemovedOnReschedule(new LoanScheduleDeleted().CloneScheduleItem(rmv));
}
if (rmv.Date <= this.Result.FirstItemDate && rmv.Status == LoanScheduleStatus.StillToPay)
{
this.tLoan.Schedule.Remove(rmv);
this.tLoan.TryAddRemovedOnReschedule(new LoanScheduleDeleted().CloneScheduleItem(rmv));
}
}
decimal balance = P;
decimal iPrincipal = Decimal.Round(P / this.Result.IntervalsNum);
decimal firstPrincipal = (P - iPrincipal * (this.Result.IntervalsNum - 1));
//check "first iPrincipal negative" case: if first iPrincipal <= 0, remove this and reduce this.Result.IntervalsNum
if (firstPrincipal < 0)
{
Log.Debug("AAA Periods: {0}, newInstalment: {1}, close date: {2}, balance: {3}, firstItemDate: {4}, firstPrincipal: {5}, " +
"P: {6}, I: {7}, F: {8}, r: {9}", this.Result.IntervalsNum, iPrincipal, this.Result.LoanCloseDate, this.Result.ReschedulingBalance, this.Result.FirstItemDate, firstPrincipal, P, I, F, r);
this.Result.IntervalsNum -= 1;
firstPrincipal = iPrincipal;
if ((iPrincipal * (this.Result.IntervalsNum - 1) + firstPrincipal) != balance)
{
this.Result.Error = "Failed to create new schedule.";
ExitStrategy("Exit_9", this.sendDebugMail);
}
}
Log.Debug("Periods: {0}, newInstalment: {1}, close date: {2}, balance: {3}, firstItemDate: {4}, firstPrincipal: {5}, " +
"P: {6}, I: {7}, F: {8}, r: {9}", this.Result.IntervalsNum, iPrincipal, this.Result.LoanCloseDate, this.Result.ReschedulingBalance, this.Result.FirstItemDate, firstPrincipal, P, I, F, r);
// add new re-scheduled items, both for IN/OUT
int position = this.tLoan.Schedule.Count;
for (int j = 0; j < this.Result.IntervalsNum; j++)
{
DateTime iStartDate = this.ReschedulingArguments.ReschedulingRepaymentIntervalType == RepaymentIntervalTypes.Month ? this.Result.FirstItemDate.AddMonths(j) : this.Result.FirstItemDate.AddDays(7 * j);
decimal iLoanRepayment = (j == 0) ? firstPrincipal : iPrincipal;
balance -= iLoanRepayment;
LoanScheduleItem item = new LoanScheduleItem()
{
Date = iStartDate.Date,
InterestRate = r,
Status = LoanScheduleStatus.StillToPay,
Loan = this.tLoan,
LoanRepayment = iLoanRepayment,
Balance = balance,
Position = ++position
};
this.tLoan.Schedule.Add(item);
}
//Log.Debug("--------------Loan modified: \n {0}", this.tLoan);
// after modification
if (CheckValidateLoanState(calc) == false)
{
ExitStrategy("Exit_10", this.sendDebugMail);
return;
}
Log.Debug("--------------Loan recalculated: \n {0}", this.tLoan);
// prevent schedules with negative iPrincipal (i.e. LoanRepayment:-4.00)
var negativeIPrincipal = this.tLoan.Schedule.FirstOrDefault(s => s.LoanRepayment < 0);
if (negativeIPrincipal != null)
{
this.Result.Error = "Negative principal in loan schedule";
ExitStrategy("Exit_11", this.sendDebugMail);
return;
}
// prevent "paidEarly" for newly created schedule items
var newPaidEarly = this.tLoan.Schedule.FirstOrDefault(s => s.Date > this.ReschedulingArguments.ReschedulingDate && s.Status == LoanScheduleStatus.PaidEarly);
if (newPaidEarly != null)
{
this.Result.Error = "Wrong balance for re-scheduling calculated. Please, contact support.";
ExitStrategy("Exit_12", this.sendDebugMail);
return;
}
var firstRescheduledItem = this.tLoan.Schedule.FirstOrDefault(s => s.Date.Date == this.Result.FirstItemDate);
if (firstRescheduledItem != null)
{
this.Result.FirstPaymentInterest = firstRescheduledItem.Interest;
}
if (this.ReschedulingArguments.RescheduleIn == false) // OUT
// NOT POSSIBLE WITH CURRENT CALCULATOR < DON'T DELETE
//OffsetX(x);
//if (CheckValidateLoanState(calc) == false)
// return;
//Log.Debug("-------Loan recalculated+adjusted to X \n {0}", this.tLoan);
// unsufficient payment per period
{
LoanScheduleItem overInstalment = this.tLoan.Schedule.FirstOrDefault(s => s.AmountDue > this.ReschedulingArguments.PaymentPerInterval);
if (overInstalment != null)
{
// ReSharper disable once PossibleInvalidOperationException
this.message = string.Format("{0}ly payment of {1} not sufficient to pay the loan outstanding balance. Accrued interest: {2}, accumulated fees: {3}, first new instalment: {4}. " +
"You can choose to reduce the accumulated fees & interest by clearing them via manual payment, before setting the new payment schedule.",
this.ReschedulingArguments.ReschedulingRepaymentIntervalType,
this.ReschedulingArguments.PaymentPerInterval.Value.ToString("C2", this.cultureInfo),
overInstalment.Interest.ToString("C2", this.cultureInfo), //I.ToString("C2", this.cultureInfo),
overInstalment.Fees.ToString("C2", this.cultureInfo),
overInstalment.AmountDue.ToString("C2", this.cultureInfo)
);
this.Result.Error = this.message;
ExitStrategy("Exit_13", this.sendDebugMail);
return;
}
}
if (!this.ReschedulingArguments.SaveToDB)
{
ExitStrategy("Exit_14", this.sendDebugMail);
return;
}
LoanRescheduleSave();
NL_AddLog(LogType.Info, "Strategy End", this.ReschedulingArguments, this.Result, null, null);
// ReSharper disable once CatchAllClause
} catch (Exception ex) {
Log.Alert(ex, "Failed to get rescheduling data for loan {0}", this.ReschedulingArguments.LoanID);
NL_AddLog(LogType.Error, "Strategy Faild", this.ReschedulingArguments, null, ex.ToString(), ex.StackTrace);
}
}