public CalculateAmountToRepaySpecifiedInstallmentStrategy(CreditContractOptions pCCo,Loan pContract, User pUser,
ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_contract = pContract;
_cCo = pCCo;
}
public CalculateMaximumAmountToRegradingLoanStrategy(CreditContractOptions pCCo,Loan pContract, User pUser,
ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nWDS = pNonWorkingDate;
_contract = pContract;
_cCo = pCCo;
}
public CalculateInstallments(CreditContractOptions pCCO, Loan pContract, User pUser, ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_contract = pContract;
_cCo = pCCO;
_methodToRepayFees = new RepayFeesStrategy(pCCO);
_methodToRepayInterest = new RepayInterestStrategy(pCCO);
_methodToRepayCommission = new RepayCommisionStrategy(pCCO);
PaidIstallments = new List<Installment>();
}
public RescheduleLoanEvent Reschedule(ReschedulingOptions ro, Loan contract, NonWorkingDateSingleton nwdS, ApplicationSettings applicationSettings)
{
_contract = contract;
_nwdS = nwdS;
_generalSettings = applicationSettings;
switch (contract.Product.LoanType)
{
case OLoanTypes.Flat:
_Reschedule_Flat(ro);
break;
case OLoanTypes.DecliningFixedPrincipal:
_Reschedule_FixedPrincipal(ro);
break;
case OLoanTypes.DecliningFixedInstallments:
_Reschedule_DecliningFixedInstallments(ro);
break;
}
_Reschedule_AdjustOverpaid();
RescheduleLoanEvent rSe = new RescheduleLoanEvent
{
Date = ro.ReschedulingDate,
Amount = contract.CalculateActualOlb(),
Interest = contract.GetTotalInterestDue(),
ClientType = contract.ClientType,
BadLoan = contract.BadLoan,
NbOfMaturity = ro.NewInstallments,
DateOffset = ro.RepaymentDateOffset,
GracePeriod = ro.GracePeriod,
ChargeInterestDuringShift = ro.ChargeInterestDuringShift,
ChargeInterestDuringGracePeriod = ro.ChargeInterestDuringGracePeriod
};
return rSe;
}
public CreditContractRepayment(Loan pContract, CreditContractOptions pCCo, DateTime pDate,int pInstallmentNumber, User pUser, ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_date = pDate;
_installmentNumber = pInstallmentNumber;
PaidIstallments = new List<Installment>();
_amountToRepayTottalyLoan = new CalculateMaximumAmountToRepayStrategy(pCCo, pContract.Copy(), pUser, _generalSettings,_nWds);
_amountToRegradingLoan = new CalculateMaximumAmountToRegradingLoanStrategy(pCCo, pContract.Copy(), pUser, _generalSettings, _nWds);
_amountToRepayInstallment = new CalculateAmountToRepaySpecifiedInstallmentStrategy(pCCo, pContract.Copy(), pUser, _generalSettings, _nWds);
_calculateInstallments = new Repayment.RepayLateInstallments.CalculateInstallments(pCCo, pContract, pUser, _generalSettings, _nWds);
_feesForAnticipatedRepayment = new CalculateAnticipatedFeesStrategy(pCCo, pContract, _generalSettings);
_repayNextInstallments = new RepayNextInstallmentsStrategy(pContract, pCCo, pUser, _generalSettings);
_repaymentMethod = new RepaymentMethod(pContract,pCCo);
CalculateMaximumAmountAuthorizedToRepay();
CalculateAmountToRegradingLoan();
CalculateMaximumAmountForEscapedMember();
LoanOptions = pCCo;
}
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 _SetContract(OLoanTypes pLoansType, NonRepaymentPenalties pNonRepaymentFees, bool pKeepExpectedInstallment, bool useCents)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = pLoansType,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = useCents
}
};
package.KeepExpectedInstallment = pKeepExpectedInstallment;
package.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()));
myContract.BadLoan = false;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
myContract.NonRepaymentPenalties = pNonRepaymentFees;
return(myContract);
}
public void LateFeesCalculation_OverdueInterest()
{
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", false);
Loan myContract = _SetContract(OLoanTypes.Flat, new NonRepaymentPenalties(0, 0, 0, 0.003), true, true);
Assert.AreEqual(2.52m, CalculationBaseForLateFees.FeesBasedOnOverdueInterest(myContract, new DateTime(2006, 3, 5), 1, false, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value); // 30 * 0.003 * 28 = 2.88m
//CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", true);
myContract = _SetContract(OLoanTypes.Flat, new NonRepaymentPenalties(0, 0, 0, 0.003), true, true);
Assert.AreEqual(2.88m, CalculationBaseForLateFees.FeesBasedOnOverdueInterest(myContract, new DateTime(2006, 3, 5), 1, false, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value); // 30 * 0.003 * 32 = 2.88m
}
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);
}
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);
}
public CreditContractRepayment(Loan contract, CreditContractOptions creditOptions, DateTime pDate, int pInstallmentNumber, User user, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_date = pDate.Date;
_installmentNumber = pInstallmentNumber;
PaidIstallments = new List <Installment>();
_amountToRepayTotalyLoan = new CalculateMaximumAmountToRepayStrategy(creditOptions, contract.Copy(), user, _generalSettings, _nWds);
_amountToRegradingLoan = new CalculateMaximumAmountToRegradingLoanStrategy(creditOptions, contract.Copy(), user, _generalSettings, _nWds);
_amountToRepayInstallment = new CalculateAmountToRepaySpecifiedInstallmentStrategy(creditOptions, contract.Copy(), user, _generalSettings, _nWds);
_calculateInstallments = new Repayment.RepayLateInstallments.CalculateInstallments(creditOptions, contract, user, _generalSettings, _nWds);
_calculateRealInterestInstallments = new CalculateRealInterestInstallments(creditOptions, _amountToRepayTotalyLoan, contract, _generalSettings, _nWds);
_feesForAnticipatedRepayment = new CalculateAnticipatedFeesStrategy(creditOptions, contract, _generalSettings);
_repayNextInstallments = new RepayNextInstallmentsStrategy(contract, creditOptions, user, _generalSettings);
_repaymentMethod = new RepaymentMethod(contract, creditOptions);
_loan = contract;
CalculateMaximumAmountAuthorizedToRepay();
CalculateAmountToRegradingLoan();
CalculateMaximumAmountForEscapedMember();
LoanOptions = creditOptions;
}
public NonWorkingDateSingleton GetNonWorkingDate()
{
return(NonWorkingDateSingleton.GetInstance(CurrentUser.Md5));
}
public static OCurrency FeesBasedOnInitialAmount(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure,
ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
if (pContract.NonRepaymentPenalties.InitialAmount != 0)
{
int pastDueDays = pForClosure ? pContract.CalculatePastDueForClosure(pDate) : pContract.CalculatePastDueSinceLastRepayment(pDate);
pastDueDays = _CalculatePastDueWithGeneralParameterForRepayment(pastDueDays, pGeneralSettings);
if (pContract.GracePeriodOfLateFees >= pastDueDays)
{
pastDueDays = 0;
}
OCurrency fees = pContract.Amount * Convert.ToDecimal(pContract.NonRepaymentPenalties.InitialAmount) * (double)pastDueDays;
return pContract.UseCents ? Math.Round(fees.Value, 2) : Math.Round(fees.Value, 0);
}
return 0;
}
private static OCurrency _CalculateNonRepaymentPenaltiesForClosure(Loan pContract, DateTime pDate, int pInstallmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(pInstallmentNumber - 1);
if (pDate <= installment.ExpectedDate) return 0;
DateTime baseDate = DateTime.MinValue;
DateTime dateForInstallment = installment.PaidDate.HasValue ? installment.PaidDate.Value : installment.ExpectedDate;
if (baseDate == DateTime.MinValue)
{
baseDate = dateForInstallment;
}
else
{
if (baseDate < dateForInstallment)
baseDate = dateForInstallment;
}
int pstDueDays = (pDate - baseDate).Days < 0 ? 0 : (pDate - baseDate).Days;
pstDueDays = pstDueDays - CountDaysOff(baseDate, pDate, pGeneralSettings, pNonWorkingDate);
if(pContract.GracePeriodOfLateFees >= pstDueDays)
{
pstDueDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
return amountHasToPay * penalties * pstDueDays;
}
private static OCurrency _CalculateNonRepaymentPenalties(Loan pContract, DateTime pDate, int installmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(installmentNumber - 1);
DateTime date = installment.ExpectedDate;
foreach (RepaymentEvent rPayment in pContract.Events.GetRepaymentEvents())
{
if (rPayment.Date == pDate && rPayment.Deleted == false && installmentNumber == rPayment.InstallmentNumber)
{
date = pDate;
}
if (rPayment.InstallmentNumber <= installment.Number && rPayment.Deleted == false && rPayment.Date != pDate && pDate > installment.ExpectedDate && installment.PaidFees != 0)
{
date = rPayment.Date <= installment.ExpectedDate ? installment.ExpectedDate : rPayment.Date;
}
}
int nbOfDays = (pDate - date).Days < 0 ? 0 : (pDate - date).Days;
nbOfDays = nbOfDays - CountDaysOff(date, pDate, pGeneralSettings, pNonWorkingDate);
nbOfDays = _CalculatePastDueWithGeneralParameterForRepayment(nbOfDays, pGeneralSettings);
if (pContract.GracePeriodOfLateFees >= nbOfDays)
{
nbOfDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
return amountHasToPay * penalties * nbOfDays;
}
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;
}
private static int CountDaysOff(DateTime beginDate, DateTime endDate, ApplicationSettings pGeneralSettings,
NonWorkingDateSingleton pNonWorkingDate)
{
var dt = new DateTime();
int countDayOff = 0;
if (!pGeneralSettings.IsCalculationLateFeesDuringHolidays)
{
//count day off
for (int day = 1; day <= (endDate - beginDate).Days; day++)
{
//week end
if (!pGeneralSettings.DoNotSkipNonWorkingDays)
if (((int)(dt.DayOfWeek) == pGeneralSettings.WeekEndDay1) || ((int)(dt.DayOfWeek) == pGeneralSettings.WeekEndDay2))
countDayOff++;
//holidays
countDayOff += pNonWorkingDate.PublicHolidays.Keys.Count(publicHoliday => dt == publicHoliday);
dt = beginDate.AddDays(day);
}
}
return countDayOff;
}
public static OCurrency AnticipateFeesBasedOnOverdueInterest(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate, OPaymentType pPaymentType)
{
OCurrency fees = _AnticipateCalculateNonRepaymentPenalties(pContract, pDate, pInstallmentNumber, pPaymentType, pGeneralSettings);
return fees.Value;
}
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 }
});
}
public NonWorkingDateManagement(string testDB) : base(testDB)
{
dbParam = ApplicationSettings.GetInstance("");
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
}
public void RepayInstallments_DontCancelFees_InitialAmount_RepaymentTwicelyADay()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "10-days", 10, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
package.KeepExpectedInstallment = true;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 8000, 0.03333m, 5, 0, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
myContract.NonRepaymentPenalties = new NonRepaymentPenalties(0, 0, 0.0667, 0.01);
myContract.CalculateInstallments(true);
myContract.Disburse(new DateTime(2010, 1, 1), false, true);
myContract.Repay(1, new DateTime(2010, 1, 8), 30, false, true);
RepaymentEvent rPE = myContract.Repay(1, new DateTime(2010, 1, 11), 0, false, true);
Assert.AreEqual(rPE.Penalties, 0);
}
public static OCurrency FeesBasedOnOverduePrincipal(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure,
ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
if (pContract.NonRepaymentPenalties.OverDuePrincipal != 0)
{
OCurrency fees = pForClosure
? _CalculateNonRepaymentPenaltiesForClosure(pContract, pDate, pInstallmentNumber, OLateRepaymentTypes.Principal,
pGeneralSettings, pNonWorkingDate)
: _CalculateNonRepaymentPenalties(pContract, pDate, pInstallmentNumber, OLateRepaymentTypes.Principal,
pGeneralSettings, pNonWorkingDate);
return pContract.UseCents ? Math.Round(fees.Value, 2) : Math.Round(fees.Value, 0);
}
return 0;
}
public void DecliningRate_FixedInstallment_NoGracePeriod_RoundingTypeEnd()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.End
};
Loan myContract = new Loan(package, 10000, 0.05m, 6, 0, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2010, 2, 1), 500, 1470, 10000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2010, 3, 1), 427, 1543, 8530);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2010, 4, 1), 349, 1621, 6987);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2010, 5, 3), 268, 1702, 5366);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2010, 6, 1), 183, 1787, 3664);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2010, 7, 1), 94, 1877, 1877);
}
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);
}
public void DecliningRate_FixedInstallment_NoGracePeriodCheckRounding()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.02m, 6, 0, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2010, 2, 1), 20, 159, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2010, 3, 1), 17, 161, 841);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2010, 4, 1), 14, 165, 680);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2010, 5, 3), 10, 169, 515);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2010, 6, 1), 7, 171, 346);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2010, 7, 1), 4, 175, 175);
}
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 DecliningRate_FixedPrincipal_NoGracePeriod_BiWeekly()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.DecliningFixedPrincipal,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
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, 200, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 24, 200, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 18, 200, 600);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 12, 200, 400);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 6, 200, 200);
}
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);
}
public void DecliningRate_ExoticInstallments_NoGracePeriod_RoundingValue()
{
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, 950, 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, 95, 950);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 26, 95, 855);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 23, 95, 760);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 20, 95, 665);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 17, 95, 570);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14, 475, 475);
}
public void LateFeesCalculation_OverduePrincipal()
{
Loan myContract = _SetContract(OLoanTypes.Flat, new NonRepaymentPenalties(0, 0, 0.003, 0), true, false);
Assert.AreEqual(0m, CalculationBaseForLateFees.FeesBasedOnOverdueInterest(myContract, new DateTime(2006, 3, 5), 1, false, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value);//0 (1st installment without interest) * 0.003 * 32 = 0
}
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 void LateFeesCalculation_OLB()
{
Loan myContract = _SetContract(OLoanTypes.Flat, new NonRepaymentPenalties(0, 0.003, 0, 0), true, false);
Assert.AreEqual(12m, CalculationBaseForLateFees.FeesBasedOnOlb(myContract, new DateTime(2006, 2, 5), 1, false,
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value); // 1000 * 0.003 * 4 = 12
}
public void DecliningRate_FixedInstallment_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 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), 30, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 30, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 30, 324, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 20, 333, 676);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 10, 343, 343);
}
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())));
}
public void FlatRate_BiWeeklyInstallmentType_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 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, 1, 16), 32.14m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 30.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 30.00m, 250, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 30.00m, 250, 750);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 30.00m, 250, 500);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 3, 27), 30.00m, 250, 250);
}
public NonWorkingDateManagement(User pUser) : base(pUser)
{
_user = pUser;
dbParam = ApplicationSettings.GetInstance(pUser.Md5);
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance(_user.Md5);
}
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);
}
private static OpenCBS.CoreDomain.Contracts.Loans.LoanRepayment.Repayment.RepayLateInstallments.CalculateInstallments _SetRepaymentOptions(Loan pContract, bool pCancelFees)
{
CreditContractOptions cCO = new CreditContractOptions(pContract.Product.LoanType, pContract.Product.KeepExpectedInstallment, pCancelFees, 0, 0, false, 0,
pContract.Product.AnticipatedTotalRepaymentPenaltiesBase);
return(new OpenCBS.CoreDomain.Contracts.Loans.LoanRepayment.Repayment.RepayLateInstallments.CalculateInstallments(cCO, pContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")));
}
public Loan(LoanProduct pAckage, OCurrency pAmount, double pInterestRate, int pNbOfInstallments, int pGracePeriod,
DateTime pStartDate, DayOfWeek? meetingDay, User pUser, ApplicationSettings pGeneralSettings,
NonWorkingDateSingleton pNwds, ProvisionTable pPt, ChartOfAccounts pChartOfAccounts)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nwdS = pNwds;
Product = pAckage;
NonRepaymentPenalties = new NonRepaymentPenalties();
_events = new EventStock();
_guarantors = new List<Guarantor>();
_collaterals = new List<ContractCollateral>();
_installmentType = pAckage.InstallmentType;
_amount = pAmount;
_interestRate = pInterestRate;
_nbOfInstallments = pNbOfInstallments;
GracePeriod = pGracePeriod;
CreationDate = pStartDate;
_startDate = pStartDate;
_firstInstallmentDate = CalculateInstallmentDate(pStartDate, 1);
if (meetingDay.HasValue)
_firstInstallmentDate = GetMeetingDate(_firstInstallmentDate, meetingDay);
_alignAlignDisbursementDate = CalculateAlignDisbursementDate(_firstInstallmentDate);
//with this constructor, installment are directly calculated when a new CreditContract is instanciated
_installmentList = CalculateInstallments(true);
EntryFeesPercentage = pAckage.EntryFeesPercentage;
}
public void TestCalculateMaximumAmountWithFlateBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithoutInterestAndKeepExpectedInstallment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
package.KeepExpectedInstallment = true;
package.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()));
myContract.BadLoan = true;
myContract.NonRepaymentPenalties.OverDuePrincipal = 0.003;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);
this.repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, false);
//30 + 230 + 200 * 0.003 * 12 = 268.4 => 267
// Assert.AreEqual(267, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
Assert.AreEqual(267, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 0));
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
//30 + 230 + 200 * 0.003 * 14 = 268.4 => 268
Assert.AreEqual(268, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
}
public static OCurrency AnticipateFeesBasedOnOlb(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate, OPaymentType pPaymentType)
{
OCurrency fees = AnticipateCalculateFeesBasedOnOlb(pContract, pDate, pInstallmentNumber, pPaymentType);
return pContract.UseCents ? Math.Round(fees.Value, 2) : Math.Round(fees.Value, 0);
}
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 TestCalculateMaximumAmountWithDecliningBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithInterestAndKeepNotExpectedInstallment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.Approximate
};
package.KeepExpectedInstallment = false;
package.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()));
myContract.BadLoan = true;
myContract.NonRepaymentPenalties.OverDueInterest = 0.003;
myContract.NonRepaymentPenalties.OverDuePrincipal = 0.003;
myContract.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 + 218.35 + 30 * 0.003 * 42 + 218.35 * 0.003 * 14 = 30 + 218 + 4 + 9 = 261
Assert.AreEqual(261, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
}
public void TestCalculateMaximumAmountWithFlateBadLoanWith42DaysLateWhenNonRepaymentFeesBaseOnInitialAmountAndKeepExpectedInstallmentAndCancelFeesSetToFalse()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
package.KeepExpectedInstallment = true;
package.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()));
myContract.BadLoan = true;
myContract.NonRepaymentPenalties.InitialAmount = 0.0123;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
//42 days late
CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);
this.repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
//30 + 230 + 1000 * 0.0123 * 42 = 776.6 => 777
// Assert.AreEqual(777, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
Assert.AreEqual(777, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 0));
}
/// <summary>
/// Instancy a new CreditContract. Use it if installments need'nt calculate
/// </summary>
/// <param name="pUser"></param>
/// <param name="pGeneralSettings"></param>
/// <param name="pNwds"></param>
/// <param name="pPt"></param>
/// <param name="pChartOfAccounts"></param>
public Loan(User pUser, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNwds, ProvisionTable pPt, ChartOfAccounts pChartOfAccounts)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nwdS = pNwds;
NonRepaymentPenalties = new NonRepaymentPenalties();
_installmentList = new List<Installment>();
_guarantors = new List<Guarantor>();
_collaterals = new List<ContractCollateral>();
_events = new EventStock();
EntryFeesPercentage = true;
}
