Ejemplo n.º 1
0
 public void TestFixtureSetUp()
 {
     mockContractManagement = new DynamicMock(typeof(LoanManager));
     chartOfAccounts        = ChartOfAccounts.GetInstance(new User {
         Id = 5
     });
 }
        public void Flate_BadLoan_42dayslate_BasedOnOLB_KeepExpectedInstallment()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod        = true,
                KeepExpectedInstallment                = true,
                AnticipatedTotalRepaymentPenaltiesBase =
                    OAnticipatedRepaymentPenaltiesBases.RemainingOLB,
                Currency = new Currency {
                    Id = 1
                }
            };
            Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(),
                                       ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
                                       ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
            {
                BadLoan = true,
                NonRepaymentPenalties = { OLB = 0.003 },
                AnticipatedTotalRepaymentPenalties = 0.01
            };

            CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);

            repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));

            //30 + 230 + 1000 * 0.003 * 42 = 386
            Assert.AreEqual(386, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
        }
Ejemplo n.º 3
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        private static Loan _SetContract(OLoanTypes pLoansType, NonRepaymentPenalties pNonRepaymentPenalties,
                                         bool pKeepExpectedInstallment)
        {
            var package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = pLoansType,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1, UseCents = true
                },
                RoundingType = ORoundingType.Approximate
            };

            package.KeepExpectedInstallment = pKeepExpectedInstallment;
            package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;

            var myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(),
                                      ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
                                      ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            myContract.BadLoan = true;
            myContract.AnticipatedTotalRepaymentPenalties = 0.01;
            myContract.NonRepaymentPenalties = pNonRepaymentPenalties;
            return(myContract);
        }
Ejemplo n.º 4
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 private static Loan _GetLoan(LoanProduct product, OCurrency amount, decimal interestRate, int installments, DateTime startDate)
 {
     return(new Loan(product, amount, interestRate, installments, 0, startDate,
                     new User(), ApplicationSettings.GetInstance(""),
                     NonWorkingDateSingleton.GetInstance(""),
                     ProvisionTable.GetInstance(new User()),
                     ChartOfAccounts.GetInstance(new User())));
 }
Ejemplo n.º 5
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        public void SetUp()
        {
            ChartOfAccounts.GetInstance(new User()).Accounts.Clear();
            ApplicationSettings dataParam = ApplicationSettings.GetInstance("");

            dataParam.DeleteAllParameters();
            dataParam.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
        }
        public void testFixtureSetUp()
        {
            Loan credit = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
                                   ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            credit.Id = 4;

            _installmentsOptions = new CalculateInstallmentsOptions(credit.StartDate, OLoanTypes.Flat, true, credit, false);
        }
Ejemplo n.º 7
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        public void TestIfLocalAccountNumberCorrectlyRetrievedWhenDisburse()
        {
            ChartOfAccounts chartOfAccounts = ChartOfAccounts.GetInstance(User.CurrentUser);

            CashReceipt cashReceipt = new CashReceipt(contractForAPerson, _person, null, "USD", "en-US", null, new DateTime(2006, 1, 1), false, User.CurrentUser, GeneralSettings.GetInstance(""), ChartOfAccounts.GetInstance(User.CurrentUser), true);

            Assert.AreEqual(String.Empty, cashReceipt.InterestLocalAccountNumber);
            Assert.AreEqual(chartOfAccounts.GetAccountByTypeCode("CASH").LocalNumber, cashReceipt.PrincipalLocalAccountNumber);
            Assert.AreEqual(chartOfAccounts.GetAccountByTypeCode("COMMISSIONS").LocalNumber, cashReceipt.FeesLocalAccountNumber);
        }
Ejemplo n.º 8
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        public FundingLine AddGenericFundingLineWithThreeEvents(DateTime startDate)
        {
            ChartOfAccounts _chartOfAccounts = ChartOfAccounts.GetInstance(new User {
                Id = 5
            });
            AccountManager accountManager = new AccountManager(new User {
                Id = 5
            });

            _chartOfAccounts.Accounts = accountManager.SelectAllAccounts();

            FundingLineServices service = new FundingLineServices(new User {
                Id = 5
            });
            int         newFL_ID           = AddGenericFundingLine4();
            FundingLine fundingLineInitial = service.SelectFundingLineById(newFL_ID, true);

            FundingLineEvent ev0 = new FundingLineEvent();

            ev0.Code         = "6012";
            ev0.CreationDate = startDate.AddDays(-2);
            ev0.Amount       = 1000;
            ev0.Movement     = OBookingDirections.Credit;
            ev0.Type         = OFundingLineEventTypes.Entry;
            ev0.FundingLine  = fundingLineInitial;
            ev0.IsDeleted    = false;

            fundingLineInitial.AddEvent(service.AddFundingLineEvent(ev0));

            FundingLineEvent ev1 = new FundingLineEvent();

            ev1.Code         = "6013";
            ev1.CreationDate = startDate.AddDays(-1);
            ev1.Amount       = 500;
            ev1.Movement     = OBookingDirections.Debit;
            ev1.Type         = OFundingLineEventTypes.Disbursment;
            ev1.FundingLine  = fundingLineInitial;
            ev1.IsDeleted    = false;
            fundingLineInitial.AddEvent(service.AddFundingLineEvent(ev1));

            FundingLineEvent ev2 = new FundingLineEvent();

            ev2.Code         = "6014";
            ev2.CreationDate = startDate;
            ev2.Amount       = 100;
            ev2.Movement     = OBookingDirections.Credit;
            ev2.Type         = OFundingLineEventTypes.Repay;
            ev2.FundingLine  = fundingLineInitial;
            ev2.IsDeleted    = false;

            fundingLineInitial.AddEvent(service.AddFundingLineEvent(ev2));

            return(fundingLineInitial);
        }
Ejemplo n.º 9
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        public void TestIfLocalAccountNumberCorrectlyRetrievedWhenRepayAGoodLoan()
        {
            ChartOfAccounts chartOfAccounts = ChartOfAccounts.GetInstance(User.CurrentUser);

            Credit contract = contractForAPerson.Copy();

            contract.Disburse(new DateTime(2006, 1, 1), true, false);
            CashReceipt cashReceipt = new CashReceipt(contract, _person, 0, "USD", "en-US", new ExchangeRate(new DateTime(2006, 3, 1), 3), new DateTime(2006, 3, 1), false, User.CurrentUser, GeneralSettings.GetInstance(""), ChartOfAccounts.GetInstance(User.CurrentUser), true);

            Assert.AreEqual(chartOfAccounts.GetAccountByNumber(OAccounts.INTERESTS_ON_CASH_CREDIT_INDIVIDUAL_LOAN).LocalNumber, cashReceipt.InterestLocalAccountNumber);
            Assert.AreEqual(chartOfAccounts.GetAccountByNumber(OAccounts.CASH_CREDIT_INDIVIDUAL_LOAN).LocalNumber, cashReceipt.PrincipalLocalAccountNumber);
            Assert.AreEqual(chartOfAccounts.GetAccountByTypeCode("COMMISSIONS").LocalNumber, cashReceipt.FeesLocalAccountNumber);
        }
Ejemplo n.º 10
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        public double[] CalculateRealPrevisionCurve(DateTime pFirstDate, int pForecastDays)
        {
            double[] realAmount = new double[pForecastDays];

            double initialAmount = Convert.ToDouble(ChartOfAccounts.GetInstance(_user).GetPivotBalance(OAccounts.CASH).Value);

            double[] realDisbursment = CalculateRealDisbursmentCurve(pFirstDate, pForecastDays);
            double[] realRepay       = CalculateRealRepayCurve(pFirstDate, pForecastDays);

            for (int i = 0; i < pForecastDays; i++)
            {
                realAmount[i] = initialAmount - realDisbursment[i] + realRepay[i];
            }
            return(realAmount);
        }
Ejemplo n.º 11
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 public void WhenICreateALoan(Table table)
 {
     _loanProduct.RoundingType = ParseTableValue <ORoundingType>(table, "Rounding");
     _loan = new Loan(_loanProduct,
                      ParseTableValue <decimal>(table, "Amount"),
                      ParseTableValue <decimal>(table, "Interest rate") / 1200,
                      ParseTableValue <int>(table, "Installments"),
                      ParseTableValue <int>(table, "Grace period"),
                      ParseTableValue <DateTime>(table, "Start date"),
                      ParseTableValue <DateTime>(table, "First installment date"),
                      new User(),
                      Settings,
                      NonWorkingDays,
                      ProvisionTable.GetInstance(new User()),
                      ChartOfAccounts.GetInstance(new User()));
     _loan.InstallmentList = ServicesProvider.GetInstance().GetContractServices().SimulateScheduleCreation(_loan);
 }
Ejemplo n.º 12
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        public void TestFixtureSetUp()
        {
            User.CurrentUser    = new User();
            User.CurrentUser.Id = 1;

            GeneralSettings dataParam = GeneralSettings.GetInstance("");

            dataParam.DeleteAllParameters();
            dataParam.AddParameter(OGeneralSettings.USECENTS, true);

            ChartOfAccounts chartOfAccounts = ChartOfAccounts.GetInstance(User.CurrentUser);

            chartOfAccounts.Accounts = chartOfAccounts.DefaultAccounts;

            ProvisioningTable provisioningTable = ProvisioningTable.GetInstance(User.CurrentUser);

            provisioningTable.AddProvisioningRate(new ProvisioningRate(1, 0, 0, 2));
        }
Ejemplo n.º 13
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        private static Loan _SetContract(OCurrency amount, decimal rate, OLoanTypes loansType, NonRepaymentPenalties nonRepaymentFees, bool keepExpectedInstallment, int numberOfGracePeriod, DateTime stratDate, int nbInstallment)
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = loansType,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1
                }
            };

            package.KeepExpectedInstallment = keepExpectedInstallment;
            package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
            Loan myContract = new Loan(package, amount, rate, nbInstallment, numberOfGracePeriod, stratDate, new User(),
                                       ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
                                       ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            myContract.BadLoan = false;
            myContract.AnticipatedTotalRepaymentPenalties = 0;
            myContract.NonRepaymentPenalties = nonRepaymentFees;
            return(myContract);
        }
        public void _Flate_BadLoan_42dayslate_BasedOnOverDueWithoutInterest_KeepExpectedInstallment()
        {
            ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);

            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1, UseCents = true
                },
                KeepExpectedInstallment = true,
                AnticipatedTotalRepaymentPenaltiesBase =
                    OAnticipatedRepaymentPenaltiesBases.RemainingOLB
            };
            Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(),
                                       ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
                                       ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
            {
                BadLoan = true,
                NonRepaymentPenalties = { OverDuePrincipal = 0.003 },
                AnticipatedTotalRepaymentPenalties = 0.01
            };

            CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);

            repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));

            //30 + 230 + 200 * 0.003 * 14
            Assert.AreEqual(268.4m, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
            //NOT CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS
            ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, false);

            //30 + 230 + 200 * 0.003 * 12
            Assert.AreEqual(266.60m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
        }
Ejemplo n.º 15
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        public void DecliningRate_FixedInstallment_NoGracePeriod_RoundingProblem()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.DecliningFixedInstallments,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1, UseCents = true
                },
                RoundingType = ORoundingType.Approximate
            };
            Loan myContract = new Loan(package, 100, 0.01m, 10, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 1, 9.56m, 100, 10.56m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 0.9m, 9.66m, 90.44m, 10.56m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 0.81m, 9.75m, 80.78m, 10.56m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 0.71m, 9.85m, 71.03m, 10.56m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 0.61m, 9.95m, 61.18m, 10.56m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 0.51m, 10.05m, 51.23m, 10.56m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 0.41m, 10.14m, 41.18m, 10.55m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 0.31m, 10.24m, 31.04m, 10.55m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(8), 9, new DateTime(2006, 10, 2), 0.21m, 10.35m, 20.8m, 10.56m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(9), 10, new DateTime(2006, 11, 1), 0.1m, 10.45m, 10.45m, 10.55m);
        }
Ejemplo n.º 16
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        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);
        }
Ejemplo n.º 17
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        private static Loan _GetLoan(DateTime pDisburseDate, int pNumberOfInstallments, int pGracePeriod, OLoanTypes pLoanTypes)
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = pLoanTypes,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1, UseCents = true
                }
            };

            return(new Loan(package, 1000, 0.03m, pNumberOfInstallments, pGracePeriod, pDisburseDate, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())));
        }
Ejemplo n.º 18
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        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);
        }
Ejemplo n.º 19
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        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);
        }
Ejemplo n.º 20
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        public void DecliningRate_ExoticInstallments_NoGracePeriod_RoundingCapital_RoundingInterest()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.DecliningFixedInstallments,
                ChargeInterestWithinGracePeriod = true,
                ExoticProduct = new ExoticInstallmentsTable
                {
                    new ExoticInstallment(1, 0.1, null),
                    new ExoticInstallment(2, 0.1, null),
                    new ExoticInstallment(3, 0.1, null),
                    new ExoticInstallment(4, 0.1, null),
                    new ExoticInstallment(5, 0.1, null),
                    new ExoticInstallment(6, 0.5, null)
                },
                Currency = new Currency {
                    Id = 1, UseCents = true
                }
            };

            Loan myContract = new Loan(package, 954, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 28.62m, 95.40m, 954);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 25.76m, 95.40m, 858.6m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 22.90m, 95.40m, 763.2m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 20.03m, 95.40m, 667.8m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 17.17m, 95.40m, 572.4m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14.31m, 477, 477);
        }
Ejemplo n.º 21
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        public void DecliningRate_ExoticInstallments_GracePeriod()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.DecliningFixedInstallments,
                ChargeInterestWithinGracePeriod = true,
                ExoticProduct = new ExoticInstallmentsTable
                {
                    new ExoticInstallment(1, 0.1, null),
                    new ExoticInstallment(2, 0.1, null),
                    new ExoticInstallment(3, 0.1, null),
                    new ExoticInstallment(4, 0.1, null),
                    new ExoticInstallment(5, 0.1, null),
                    new ExoticInstallment(6, 0.5, null)
                },
                Currency = new Currency {
                    Id = 1
                }
            };
            Loan myContract = new Loan(package, 1000, 0.03m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30.00m, 0, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 100.00m, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 27.00m, 100.00m, 900);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 24.00m, 100.00m, 800);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 21.00m, 100.00m, 700);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 18.00m, 100.00m, 600);
            _AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 15.00m, 500.00m, 500);
        }
Ejemplo n.º 22
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        public void DecliningRate_FixedPrincipal_BiWeeklyInstallmentType_NoGracePeriod()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
                LoanType        = OLoanTypes.DecliningFixedPrincipal,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1, UseCents = true
                }
            };
            Loan myContract = new Loan(package, 1000, 0.03m, 5, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32.14m, 200, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 24.00m, 200, 800);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 18.00m, 200, 600);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 12.00m, 200, 400);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 6.00m, 200, 200);
        }
Ejemplo n.º 23
0
        public void DecliningRate_FixedInstallments_GracePeriod()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
                LoanType        = OLoanTypes.DecliningFixedInstallments,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1, UseCents = true
                },
                RoundingType = ORoundingType.Approximate
            };
            Loan myContract = new Loan(package, 1000, 0.03m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            Assert.AreEqual(1000, _CheckInstalmentsTotalPrincipal(myContract).Value);

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32.14m, 0, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 30.00m, 154.60m, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 25.36m, 159.24m, 845.40m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 20.58m, 164.02m, 686.16m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 15.66m, 168.93m, 522.14m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 3, 27), 10.60m, 173.99m, 353.21m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 4, 10), 5.38m, 179.22m, 179.22m);
        }
        public void FlatRate_MonthlyInstallmentType_NoGracePeriod()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod = true,
                Currency = new Currency {
                    Id = 1, UseCents = true
                },
                RoundingType = ORoundingType.Approximate
            };
            Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            Assert.AreEqual(6, myContract.InstallmentList.Count);

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30.00m, 166.67m, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 166.67m, 833.33m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 30.00m, 166.67m, 666.66m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 30.00m, 166.66m, 499.99m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 30.00m, 166.67m, 333.33m);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 30.00m, 166.66m, 166.66m);
        }
Ejemplo n.º 25
0
 protected override void SetUp()
 {
     base.SetUp();
     _loanManager = (LoanManager)container["LoanManager"];
     _loan        = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
     {
         ClientType  = OClientTypes.Person,
         LoanOfficer = new User {
             Id = 1
         },
         BranchCode            = "DU",
         CreationDate          = DateTime.Today.AddDays(-1),
         StartDate             = DateTime.Today,
         FirstInstallmentDate  = DateTime.Today.AddDays(1),
         AlignDisbursementDate = DateTime.Today,
         CloseDate             = DateTime.Today.AddDays(1),
         Product = new LoanProduct {
             Id = 1, Currency = new Currency {
                 Id = 1
             }
         },
         Amount          = 1000m,
         InterestRate    = 3,
         InstallmentType = new InstallmentType {
             Id = 1
         },
         NbOfInstallments = 2,
         FundingLine      = new FundingLine {
             Id = 1
         },
         InstallmentList = new List <Installment> {
             _installment1, _installment2
         },
         EconomicActivityId = 1,
         EconomicActivity   = new EconomicActivity {
             Id = 1
         },
         GracePeriodOfLateFees = 0
     };
 }
        public void FlatRate_ExoticInstallments_GracePeriod_50PercentMiddle_50PercentEnd()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod = true,

                ExoticProduct = new ExoticInstallmentsTable
                {
                    new ExoticInstallment(1, 0, 0),
                    new ExoticInstallment(2, 0, 0),
                    new ExoticInstallment(3, 0.5, 0.5),
                    new ExoticInstallment(4, 0, 0),
                    new ExoticInstallment(5, 0, 0),
                    new ExoticInstallment(6, 0.5, 0.5)
                },
                Currency = new Currency {
                    Id = 1
                }
            };

            Loan myContract = new Loan(package, 1000, 0.02m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 20.00m, 0, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 0, 0, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 0, 0, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 60, 500, 1000);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 0, 0, 500);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 0, 0, 500);
            _AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 60, 500, 500);
        }
        public void FlatRate_ExoticInstallments_GracePeriod_RoundingInterest()
        {
            LoanProduct package = new LoanProduct {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod = true,

                ExoticProduct = new ExoticInstallmentsTable
                {
                    new ExoticInstallment(1, 0.1, 0.1),
                    new ExoticInstallment(2, 0.1, 0.1),
                    new ExoticInstallment(3, 0.1, 0.1),
                    new ExoticInstallment(4, 0.1, 0.1),
                    new ExoticInstallment(5, 0.1, 0.1),
                    new ExoticInstallment(6, 0.5, 0.5)
                },
                Currency = new Currency {
                    Id = 1, UseCents = true
                }
            };

            Loan myContract = new Loan(package, 900, 0.026m, 9, 3, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 23.4m, 0, 900);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 23.4m, 0, 900);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 23.4m, 0, 900);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 14.04m, 90.00m, 900);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 14.04m, 90.00m, 810);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14.04m, 90.00m, 720);
            _AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 14.04m, 90.00m, 630);
            _AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 14.04m, 90.00m, 540);
            _AssertSpecifiedInstallment(myContract.GetInstallment(8), 9, new DateTime(2006, 10, 2), 70.20m, 450.00m, 450);
        }
        public void FlatRate_MonthlyInstallmentType_ExoticInstallments_GracePeriod_RoundingInterest_RoundingCapital()
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod = true,
                ExoticProduct = new ExoticInstallmentsTable
                {
                    new ExoticInstallment(1, 0.1, 0.1),
                    new ExoticInstallment(2, 0.1, 0.1),
                    new ExoticInstallment(3, 0.1, 0.5),
                    new ExoticInstallment(4, 0.1, 0.1),
                    new ExoticInstallment(5, 0.1, 0.1),
                    new ExoticInstallment(6, 0.5, 0.1)
                },
                Currency = new Currency {
                    Id = 1
                }
            };

            Loan myContract = new Loan(package, 987, 0.03m, 8, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));

            _AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30, 0, 987);
            _AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 29, 0, 987);
            _AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 18, 99, 987);
            _AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 18, 98, 888);
            _AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 89, 99, 790);
            _AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 18, 99, 691);
            _AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 18, 98, 592);
            _AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 17, 494, 494);
        }
        private static Loan GetContract(OCurrency pAmount, int pNumberOfInstallments, decimal pRate, int pGracePeriod, bool pChargeInterestDuringGracePeriod)
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod = pChargeInterestDuringGracePeriod,
                Currency = new Currency {
                    Id = 1
                }
            };

            return(new Loan(package, pAmount, pRate, pNumberOfInstallments, pGracePeriod, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())));
        }
        private static Loan _SetContract(OAnticipatedRepaymentPenaltiesBases pAnticipatedRepaymentBase, double pAnticipated, bool pKeepExpectedInstallment)
        {
            LoanProduct package = new LoanProduct
            {
                InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
                LoanType        = OLoanTypes.Flat,
                ChargeInterestWithinGracePeriod = true,

                KeepExpectedInstallment = pKeepExpectedInstallment,
                AnticipatedTotalRepaymentPenaltiesBase = pAnticipatedRepaymentBase,
                Currency = new Currency {
                    Id = 1
                }
            };

            return(new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
            {
                BadLoan = false,
                AnticipatedTotalRepaymentPenalties = pAnticipated,
                NonRepaymentPenalties = { InitialAmount = 0.003 }
            });
        }