private static OCurrency _ExpensesLoanLossBalance(Loan pCredit,ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.AllInstallmentsRepaid && !pCredit.WrittenOff)
return pCredit.Amount * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
else
return 0;
}
private static OCurrency _BadLoanBalance(Loan pCredit, int badLoanDays)
{
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
if (pastDueDays <= badLoanDays && pastDueDays != 0)
return pCredit.GetOlb();
return 0;
}
private static OCurrency _CashCreditBalance(Loan pCredit)
{
if (!pCredit.Disbursed || pCredit.Rescheduled) return 0;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0)
return pCredit.GetOlb();
else
return 0;
}
private static OCurrency _CashStockBalance(Loan pCredit)
{
OCurrency balance = 0;
if (!pCredit.Disbursed) return balance;
balance += pCredit.GetPaidFees();
balance += pCredit.GetPaidInterest();
balance += pCredit.GetPaidPrincipal();
return balance - pCredit.Amount;
}
private static OCurrency _IncomeLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
OCurrency olb = pCredit.GetOlb();
OCurrency rate = Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0) olb = 0;
if (pCredit.WrittenOff) return 0;
if (!pCredit.Disbursed) return 0;
if (pCredit.AllInstallmentsRepaid) return 0;
if (!pCredit.BadLoan) return (pCredit.Amount - olb) * rate;
else return (pCredit.Amount) * rate;
}
private static OCurrency _AccruedInterestsLoanBalance(Loan pCredit)
{
if (!pCredit.Disbursed || pCredit.Rescheduled) return 0;
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0) return 0;
foreach (Installment installment in pCredit.InstallmentList)
{
if(!installment.IsRepaid)
{
DateTime date = installment.Number == 1
? pCredit.StartDate
: pCredit.GetInstallment(installment.Number - 2).ExpectedDate;
int days = (TimeProvider.Today - date).Days;
OCurrency accruedInterest = installment.InterestsRepayment * (double)days / (double)DateTime.DaysInMonth(date.Year, date.Month);
accruedInterest -= installment.PaidInterests;
return accruedInterest > 0 ? accruedInterest : 0;
}
}
return 0;
}
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;
}
private static OCurrency _PenaltiesPastDueLoansBalanceAsset(Loan pCredit, int writeOffDays)
{
OCurrency balance = 0;
if (!pCredit.Disbursed) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return balance;
balance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
return balance;
}
private static OCurrency _LoanLossReserveBalance(Loan pCredit, ProvisionTable pProvisionningTable, int writeOffDays)
{
OCurrency theoricBalance = 0;
if (!pCredit.Disbursed) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return theoricBalance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate >= TimeProvider.Today)
break;
theoricBalance += (installment.InterestsRepayment - installment.PaidInterests);
}
theoricBalance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
theoricBalance += pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(pastDueDays).Rate);
OCurrency realBalance = 0;
return theoricBalance > realBalance ? theoricBalance : realBalance;
}
private static OCurrency _LoanLossBalance(Loan pCredit, int writeOffDays)
{
if (pCredit.WrittenOff || pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return pCredit.GetOlb();
return 0;
}
private static OCurrency _LiabilitiesLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.BadLoan)
return pCredit.GetPastDueDays(TimeProvider.Today) == 0
? pCredit.GetOlb()* Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate)
: 0;
return 0;
}
private static OCurrency _InterestsPastDueLoansBalance(Loan pCredit, int writeOffDays)
{
OCurrency balance = 0;
if (!pCredit.Disbursed) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return balance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate > TimeProvider.Today)
break;
balance += (installment.InterestsRepayment - installment.PaidInterests);
}
return balance;
}
private static OCurrency _AccruedInterestsLoanBalance(Loan pCredit)
{
return 0;
}
private static OCurrency _UnrecoverableBadLoanBalance(Loan pCredit, int badLoanDays, int writeOffDays)
{
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
if (pastDueDays > badLoanDays && pastDueDays <= writeOffDays)
return pCredit.GetOlb();
return 0;
}
private static OCurrency _CommissionsBalance(Loan pCredit)
{
return pCredit.GetPaidCommissions();
}
private static OCurrency AccruedInterestsRescheduleLoanBalance(Loan pCredit)
{
return 0;
}
public bool IsWriteOffContract(Loan contract)
{
if (contract.Events.GetEvent(0) is WriteOffEvent)
return true;
return false;
}
public void AddContract(Loan contract)
{
contracts.Add(contract);
}
private static OCurrency _RescheduledLoanBalance(Loan pCredit)
{
if (pCredit.Rescheduled)
return pCredit.GetOlb();
else
return 0;
}
private static OCurrency _ProvisionWriteOffBalance(Loan pCredit, int writeOffDays)
{
OCurrency balance = 0;
if (pCredit.WrittenOff || pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return pCredit.GetOlb();
foreach (BadLoanRepaymentEvent e in pCredit.Events.GetEventsByType(typeof(BadLoanRepaymentEvent)))
{
balance += e.AccruedProvision;
}
return balance;
}
private static OCurrency _InterestOnRescheduledloanBalance(Loan pCredit)
{
if (!pCredit.Rescheduled) return 0;
OCurrency balance = 0;
balance += pCredit.GetPaidInterest();
foreach (BadLoanRepaymentEvent e in pCredit.Events.GetEventsByType(typeof(BadLoanRepaymentEvent)))
{
balance -= e.Interests;
}
return balance;
}
private static OCurrency _RescheduledLoanBalance(Loan pCredit)
{
return pCredit.Rescheduled ? pCredit.GetOlb() : 0;
}
private static OCurrency _InterestOnRescheduledloanBalance(Loan pCredit)
{
if (!pCredit.Rescheduled) return 0;
OCurrency balance = 0;
balance += pCredit.GetPaidInterest();
foreach (BadLoanRepaymentEvent e in pCredit.Events.GetEventsByType(typeof(BadLoanRepaymentEvent)))
{
balance -= e.Interests;
}
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0) return balance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (!installment.IsRepaid)
{
DateTime date = installment.Number == 1
? pCredit.StartDate
: pCredit.GetInstallment(installment.Number - 2).ExpectedDate;
int days = (TimeProvider.Today - date).Days;
OCurrency accruedInterest = installment.InterestsRepayment * (double)days / (double)DateTime.DaysInMonth(date.Year, date.Month);
accruedInterest -= installment.PaidInterests;
balance += accruedInterest > 0 ? accruedInterest : 0;
break;
}
}
return balance;
}
public void AddCredit(Loan pCredit,OClientTypes pClientType)
{
pCredit.ClientType = pClientType;
pCredit.Project = this;
_credits.Add(pCredit);
}
private static OCurrency _DeferredIncomeBalance(Loan pCredit)
{
return 0;
}
public static OCurrency GetStockBalance(Loan pCredit, ApplicationSettings settings, ProvisionTable pProvisionningTable, string pAccountNumber)
{
OCurrency balance = 0;
return balance;
}
private static OCurrency _InterestOnBadloanBalance(Loan pCredit)
{
OCurrency balance = 0;
if (!pCredit.Disbursed) return 0;
if (pCredit.GetPastDueDays(TimeProvider.Today) > 0)
{
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate > TimeProvider.Today)
break;
balance += (installment.InterestsRepayment - installment.PaidInterests);
}
}
OCurrency realBalance = 0;
return balance > realBalance ? balance : realBalance;
}
private static OCurrency _DeferredIncomeBalance(Loan pCredit)
{
if (!pCredit.Disbursed || pCredit.GetPastDueDays(TimeProvider.Today) != 0) return 0;
OCurrency repaidAmount = 0;
foreach (Installment installment in pCredit.InstallmentList)
{
if (TimeProvider.Today >= installment.ExpectedDate) continue;
repaidAmount += installment.PaidInterests;
}
foreach (Installment installment in pCredit.InstallmentList)
{
if (TimeProvider.Today >= installment.ExpectedDate) continue;
DateTime date = installment.Number == 1
? pCredit.StartDate
: pCredit.GetInstallment(installment.Number - 2).ExpectedDate;
int days = (TimeProvider.Today - date).Days;
OCurrency accruedInterest = installment.InterestsRepayment * (double)days / (double)DateTime.DaysInMonth(date.Year, date.Month);
repaidAmount -= accruedInterest;
break;
}
return repaidAmount > 0 ? repaidAmount : 0;
}
public void AddLoan(Loan loanAccount)
{
_loans.Add(loanAccount);
}