public ScheduleController(LoanBuilder loanBuilder, ICashRequestRepository cashRequests, ICustomerRepository customerRepository)
{
_loanBuilder = loanBuilder;
_cashRequests = cashRequests;
_aprCalc = new APRCalculator();
_customerRepository = customerRepository;
}
public void calculateApr2()
{
var calc = new APRCalculator();
var loanSchedule = new List <LoanScheduleItem>
{
new LoanScheduleItem
{
Date = new DateTime(2012, 9, 1),
InterestRate = 0.07M,
LoanRepayment = 500,
Interest = 210,
BalanceBeforeRepayment = 3000,
Balance = 2500,
Fees = 0,
AmountDue = 710
},
new LoanScheduleItem
{
Date = new DateTime(2012, 10, 1),
InterestRate = 0.07M,
LoanRepayment = 500,
Interest = 175,
BalanceBeforeRepayment = 2500,
Balance = 2000,
Fees = 0,
AmountDue = 675
},
new LoanScheduleItem
{
Date = new DateTime(2012, 11, 1),
InterestRate = 0.07M,
LoanRepayment = 500,
Interest = 140,
BalanceBeforeRepayment = 2000,
Balance = 1500,
Fees = 0,
AmountDue = 640
},
new LoanScheduleItem
{
Date = new DateTime(2012, 12, 1),
InterestRate = 0.07M,
LoanRepayment = 500,
Interest = 105,
BalanceBeforeRepayment = 1500,
Balance = 1000,
Fees = 0,
AmountDue = 605
},
new LoanScheduleItem
{
Date = new DateTime(2013, 1, 1),
InterestRate = 0.07M,
LoanRepayment = 500,
Interest = 70,
BalanceBeforeRepayment = 1000,
Balance = 500,
Fees = 0,
AmountDue = 570
},
new LoanScheduleItem
{
Date = new DateTime(2013, 2, 1),
InterestRate = 0.07M,
LoanRepayment = 500,
Interest = 35,
BalanceBeforeRepayment = 500,
Balance = 0,
Fees = 0,
AmountDue = 535
}
};
var apr = calc.Calculate(3000, loanSchedule, 30, new DateTime(2012, 8, 1));
Assert.That(apr, Is.EqualTo(132.71));
}
public void CalculateAprMonthly()
{
var calc = new APRCalculator();
var loanSchedule = new List <LoanScheduleItem>
{
new LoanScheduleItem
{
Date = new DateTime(2013, 6, 7),
InterestRate = 0.0275M,
LoanRepayment = 6667,
BalanceBeforeRepayment = 40000,
},
new LoanScheduleItem
{
Date = new DateTime(2013, 7, 7),
InterestRate = 0.03M,
LoanRepayment = 6667,
BalanceBeforeRepayment = 33333,
},
new LoanScheduleItem
{
Date = new DateTime(2013, 8, 7),
InterestRate = 0.04M,
LoanRepayment = 6667,
BalanceBeforeRepayment = 26667,
},
new LoanScheduleItem
{
Date = new DateTime(2013, 9, 7),
InterestRate = 0.05M,
LoanRepayment = 6667,
BalanceBeforeRepayment = 20000,
},
new LoanScheduleItem
{
Date = new DateTime(2013, 10, 7),
InterestRate = 0.06M,
LoanRepayment = 6667,
BalanceBeforeRepayment = 13333,
},
new LoanScheduleItem
{
Date = new DateTime(2013, 11, 7),
InterestRate = 0.06M,
LoanRepayment = 6667,
BalanceBeforeRepayment = 6667,
}
};
for (int i = 0; i < loanSchedule.Count; i++)
{
var aprMonthRate = calc.CalculateMonthly(40000, loanSchedule, i, 0, new DateTime(2013, 5, 7));
string f = string.Format("month: {0}, APR: {1}", i + 1, aprMonthRate);
Console.WriteLine("month: {0}, APR: {1}", i + 1, aprMonthRate);
}
//Assert.That(aprMonthRate, Is.InRange(42.1,42.2));
/*
* var AprMonthRate = Math.Floor((Math.Pow((double)loanSchedule[0].InterestRate + 1, 12) - 1) * 100);
* Assert.That(AprMonthRate, Is.EqualTo(42));
*/
}
public void calculateAprYoung()
{
var calc = new APRCalculator();
var loanSchedule = new List <LoanScheduleItem>
{
new LoanScheduleItem
{
Date = new DateTime(2013, 7, 18),
AmountDue = 2219
},
new LoanScheduleItem
{
Date = new DateTime(2013, 8, 18),
AmountDue = 2169.96M
},
new LoanScheduleItem
{
Date = new DateTime(2013, 9, 18),
AmountDue = 2124.16M
},
new LoanScheduleItem
{
Date = new DateTime(2013, 10, 18),
AmountDue = 2037.85M
},
new LoanScheduleItem
{
Date = new DateTime(2013, 11, 18),
AmountDue = 1996.53M
},
new LoanScheduleItem
{
Date = new DateTime(2013, 12, 18),
AmountDue = 1955.22M
},
new LoanScheduleItem
{
Date = new DateTime(2014, 1, 18),
AmountDue = 1913.9M
},
new LoanScheduleItem
{
Date = new DateTime(2014, 2, 18),
AmountDue = 1872.58M
},
new LoanScheduleItem
{
Date = new DateTime(2014, 3, 18),
AmountDue = 1814.61M
},
new LoanScheduleItem
{
Date = new DateTime(2014, 4, 18),
AmountDue = 1777.46M
},
new LoanScheduleItem
{
Date = new DateTime(2014, 5, 18),
AmountDue = 1740.3M
},
new LoanScheduleItem
{
Date = new DateTime(2014, 5, 18),
AmountDue = 1703.15M
},
};
var apr = calc.Calculate(20000, loanSchedule, 0, new DateTime(2013, 6, 18));
// Assert.That(apr, Is.EqualTo(35.55));
}
public void calculateApr3()
{
var calc = new APRCalculator();
var loanSchedule = new List <LoanScheduleItem>
{
new LoanScheduleItem
{
Date = new DateTime(2012, 8, 30),
InterestRate = 0.05M,
LoanRepayment = 2333,
Interest = 700,
BalanceBeforeRepayment = 14000,
Balance = 11667,
Fees = 0,
AmountDue = 3033
},
new LoanScheduleItem
{
Date = new DateTime(2012, 9, 30),
InterestRate = 0.05M,
LoanRepayment = 2333,
Interest = 583,
BalanceBeforeRepayment = 11667,
Balance = 9333,
Fees = 0,
AmountDue = 2917
},
new LoanScheduleItem
{
Date = new DateTime(2012, 10, 30),
InterestRate = 0.05M,
LoanRepayment = 2333,
Interest = 467,
BalanceBeforeRepayment = 9333,
Balance = 7000,
Fees = 0,
AmountDue = 2800
},
new LoanScheduleItem
{
Date = new DateTime(2012, 11, 30),
InterestRate = 0.05M,
LoanRepayment = 2333,
Interest = 350,
BalanceBeforeRepayment = 7000,
Balance = 4667,
Fees = 0,
AmountDue = 2683
},
new LoanScheduleItem
{
Date = new DateTime(2012, 12, 30),
InterestRate = 0.05M,
LoanRepayment = 2333,
Interest = 233,
BalanceBeforeRepayment = 4667,
Balance = 2333,
Fees = 0,
AmountDue = 2567
},
new LoanScheduleItem
{
Date = new DateTime(2013, 1, 30),
InterestRate = 0.05M,
LoanRepayment = 2333,
Interest = 117,
BalanceBeforeRepayment = 2333,
Balance = 0,
Fees = 0,
AmountDue = 2450
}
};
var apr = calc.Calculate(14000, loanSchedule, 112, new DateTime(2012, 7, 30));
Assert.That(apr, Is.EqualTo(83.87));
}
public void calculateApr1()
{
var calc = new APRCalculator();
var loanSchedule = new List <LoanScheduleItem>
{
new LoanScheduleItem
{
Date = new DateTime(2013, 6, 7),
InterestRate = 0.0275M,
LoanRepayment = 6667,
Interest = 1100,
BalanceBeforeRepayment = 40000,
Balance = 33333,
AmountDue = 7767
},
new LoanScheduleItem
{
Date = new DateTime(2013, 7, 7),
InterestRate = 0.0275M,
LoanRepayment = 6667,
Interest = 917,
BalanceBeforeRepayment = 33333,
Balance = 26667,
Fees = 0,
AmountDue = 7583
},
new LoanScheduleItem
{
Date = new DateTime(2013, 8, 7),
InterestRate = 0.0275M,
LoanRepayment = 6667,
Interest = 733,
BalanceBeforeRepayment = 26667,
Balance = 20000,
Fees = 0,
AmountDue = 7400
},
new LoanScheduleItem
{
Date = new DateTime(2013, 9, 7),
InterestRate = 0.0275M,
LoanRepayment = 6667,
Interest = 550,
BalanceBeforeRepayment = 20000,
Balance = 13333,
Fees = 0,
AmountDue = 7217
},
new LoanScheduleItem
{
Date = new DateTime(2013, 10, 7),
InterestRate = 0.0275M,
LoanRepayment = 6667,
Interest = 367,
BalanceBeforeRepayment = 13333,
Balance = 6667,
Fees = 0,
AmountDue = 7033
},
new LoanScheduleItem
{
Date = new DateTime(2013, 11, 7),
InterestRate = 0.0275M,
LoanRepayment = 6667,
Interest = 183,
BalanceBeforeRepayment = 6667,
Balance = 0,
Fees = 0,
AmountDue = 6850
}
};
var apr = calc.Calculate(40000, loanSchedule, 0, new DateTime(2013, 5, 7));
Assert.That(apr, Is.EqualTo(38.11));
}
} // constructor
/// <exception cref="Exception">PacnetSafeGuard stopped money transfer</exception>
/// <exception cref="OverflowException"><paramref /> is less than <see cref="F:System.TimeSpan.MinValue" /> or greater than <see cref="F:System.TimeSpan.MaxValue" />.-or-<paramref /> is <see cref="F:System.Double.PositiveInfinity" />.-or-<paramref name="value" /> is <see cref="F:System.Double.NegativeInfinity" />. </exception>
/// <exception cref="LoanDelayViolationException">Condition. </exception>
public Loan CreateLoan(Customer cus, decimal loanAmount, PayPointCard card, DateTime now, Ezbob.Backend.ModelsWithDB.NewLoan.NL_Model nlModel = null)
{
ValidateCustomer(cus); // continue (customer's data/status, finish wizard, bank account data)
ValidateAmount(loanAmount, cus); // continue (loanAmount > customer.CreditSum)
ValidateOffer(cus); // check offer validity dates - in AddLoan strategy
ValidateLoanDelay(cus, now, TimeSpan.FromMinutes(1)); // checks if last loan was taken a minute before "now" - ?? to prevent multiple clicking on "create loan" button?
ValidateRepaymentPeriodAndInterestRate(cus);
bool isFakeLoanCreate = (card == null);
var cr = cus.LastCashRequest;
Loan loan = this.loanBuilder.CreateLoan(cr, loanAmount, now);
var transfered = loan.LoanAmount - loan.SetupFee;
PacnetReturnData ret;
if (PacnetSafeGuard(cus, transfered))
{
if (!isFakeLoanCreate && !cus.IsAlibaba)
{
ret = SendMoney(cus, transfered);
VerifyAvailableFunds(transfered);
}
else
{
log.Debug(
"Not sending money via Pacnet. isFake: {0}, isAlibaba: {1}",
isFakeLoanCreate,
cus.IsAlibaba
);
ret = new PacnetReturnData {
Status = "Done",
TrackingNumber = "fake"
};
} // if
}
else
{
log.Error("PacnetSafeGuard stopped money transfer");
// ReSharper disable once ThrowingSystemException
throw new Exception("PacnetSafeGuard stopped money transfer");
} // if
cr.HasLoans = true;
loan.Customer = cus;
loan.Status = LoanStatus.Live;
loan.CashRequest = cr;
loan.LoanType = cr.LoanType;
loan.GenerateRefNumber(cus.RefNumber, cus.Loans.Count);
if (nlModel == null)
{
nlModel = new NL_Model(cus.Id);
}
nlModel.UserID = this.context.UserId;
// NL fund transfer
nlModel.FundTransfer = new NL_FundTransfers()
{
Amount = loanAmount, // logic transaction - full amount
TransferTime = now,
FundTransferStatusID = (int)NLFundTransferStatuses.Pending, // (int)NLPacnetTransactionStatuses.InProgress,
LoanTransactionMethodID = (int)NLLoanTransactionMethods.Pacnet,
PacnetTransactions = new List <NL_PacnetTransactions>()
};
PacnetTransaction loanTransaction;
if (!cus.IsAlibaba)
{
loanTransaction = new PacnetTransaction {
Amount = loan.LoanAmount,
Description = "Ezbob " + FormattingUtils.FormatDateToString(DateTime.Now),
PostDate = now,
Status = (isFakeLoanCreate) ? LoanTransactionStatus.Done : LoanTransactionStatus.InProgress,
TrackingNumber = ret.TrackingNumber,
PacnetStatus = ret.Status,
Fees = loan.SetupFee,
LoanTransactionMethod = this.tranMethodRepo.FindOrDefault("Pacnet"),
};
// NL pacnet transaction
nlModel.FundTransfer.PacnetTransactions.Add(new NL_PacnetTransactions()
{
TransactionTime = now,
Amount = loanAmount,
Notes = "Ezbob " + FormattingUtils.FormatDateToString(DateTime.Now) + " Status: " + ret.Status + " Err:" + ret.Error,
StatusUpdatedTime = DateTime.UtcNow,
TrackingNumber = ret.TrackingNumber,
PacnetTransactionStatusID = (isFakeLoanCreate) ? (int)NLPacnetTransactionStatuses.Done : (int)NLPacnetTransactionStatuses.InProgress,
});
}
else
{
// alibaba
loanTransaction = new PacnetTransaction {
Amount = loan.LoanAmount,
Description = "Ezbob " + FormattingUtils.FormatDateToString(DateTime.Now),
PostDate = now,
Status = LoanTransactionStatus.Done,
TrackingNumber = "alibaba deal. CustomerID: " + cus.Id, // TODO save who got the money
PacnetStatus = ret.Status,
Fees = loan.SetupFee,
LoanTransactionMethod = this.tranMethodRepo.FindOrDefault("Manual")
};
log.Debug("Alibaba loan, adding manual pacnet transaction to loan schedule");
// NL: only logic transaction created in "alibaba" case; real money transfer will be done later, not transferred to customer (alibaba buyer) directly, but to seller (3rd party)
nlModel.FundTransfer.LoanTransactionMethodID = (int)NLLoanTransactionMethods.Manual;
} // if
// This is the place where the funds transferred to customer saved to DB
log.Info(
"Save transferred funds to customer {0} amount {1}, isFake {2} , isAlibaba {3}",
cus.Id,
transfered,
isFakeLoanCreate,
cus.IsAlibaba
);
loan.AddTransaction(loanTransaction);
var aprCalc = new APRCalculator();
loan.APR = (decimal)aprCalc.Calculate(loanAmount, loan.Schedule, loan.SetupFee, now);
cus.AddLoan(loan);
cus.FirstLoanDate = cus.Loans.Min(x => x.Date);
cus.LastLoanDate = cus.Loans.Max(x => x.Date);
cus.LastLoanAmount = cus.Loans.First(x => x.Date == cus.LastLoanDate).LoanAmount;
cus.AmountTaken = cus.Loans.Sum(x => x.LoanAmount);
cus.CreditSum = cus.CreditSum - loanAmount;
if (loan.SetupFee > 0)
{
cus.SetupFee = loan.SetupFee;
}
/**
* 1. Build/ReBuild agreement model - private AgreementModel GenerateAgreementModel(Customer customer, Loan loan, DateTime now, double apr); in \App\PluginWeb\EzBob.Web\Code\AgreementsModelBuilder.cs
* 2. RenderAgreements: loan.Agreements.Add
* 3. RenderAgreements: SaveAgreement (file?) \backend\Strategies\Misc\Agreement.cs strategy
*/
// NL model - loan. Create history here for agreements processing
nlModel.Loan = new NL_Loans();
nlModel.Loan.Histories.Clear();
nlModel.Loan.Histories.Add(new NL_LoanHistory()
{
Amount = loanAmount,
EventTime = now
});
// populate nlModel by agreements data also
this.agreementsGenerator.RenderAgreements(loan, true, nlModel);
var loanHistoryRepository = new LoanHistoryRepository(this.session);
loanHistoryRepository.SaveOrUpdate(new LoanHistory(loan, now));
// This is the place where the loan is created and saved to DB
log.Info(
"Create loan for customer {0} cash request {1} amount {2}",
cus.Id,
loan.CashRequest.Id,
loan.LoanAmount
);
// actually this is the place where the loan saved to DB
this.session.Flush();
Loan oldloan = cus.Loans.First(s => s.RefNumber.Equals(loan.RefNumber));
nlModel.Loan.OldLoanID = oldloan.Id;
nlModel.Loan.Refnum = loan.RefNumber; // TODO generate another refnum with new algorithm in addloan strategy
try {
// copy newly created agreementtemplateID (for new templeates)
//foreach (NL_LoanAgreements ag in nlModel.Loan.LastHistory().Agreements) {
// if (ag.LoanAgreementTemplateID == 0)
// ag.LoanAgreementTemplateID = oldloan.Agreements.FirstOrDefault(a => a.FilePath.Equals(ag.FilePath)).TemplateID;
//}
this.serviceClient.Instance.AddLoan(null, cus.Id, nlModel);
// ReSharper disable once CatchAllClause
} catch (Exception ex) {
log.Debug("Failed to save new loan {0}", ex);
} // try
if (!isFakeLoanCreate)
{
this.serviceClient.Instance.CashTransferred(cus.Id, transfered, loan.RefNumber, cus.Loans.Count() == 1);
}
this.serviceClient.Instance.LinkLoanToInvestor(this.context.UserId, cus.Id, loan.Id);
// verify see above line 45-48
//
// ++++++++
// \App\PluginWeb\EzBob.Web\Code\LoanBuilder.cs , method public Loan CreateNewLoan(CashRequest cr, decimal amount, DateTime now, int term, int interestOnlyTerm = 0)
//
// calculate setupFee
// calculate CalculateBrokerFee
// var loanLegal = cr.LoanLegals.LastOrDefault();
//
// ---------------------
// file \Integration\PaymentServices\Calculators\LoanScheduleCalculator.cs, method
// public IList<LoanScheduleItem> Calculate(decimal total, Loan loan = null, DateTime? startDate = null, int interestOnlyTerm = 0)
//
// calculate Schedules, but use it only for "fill in loan with total data"
// GetDiscounts
// loanType => GetBalances => fill in loan with total data: Interest, LoanAmount; Principal, Balance (loan.LoanAmount loan.Interest); InterestRate; startDate.Value
// ---------------------
//
// LoanSource
// brokerFee
// +++++++++++++++++++++
//
// line 85
// prepare pacnet transaction => add to loan => loan.arp => add loan to cutomer
// agreement
// save loan via new LoanHistory (139)
// SF
// flush
this.serviceClient.Instance.SalesForceUpdateOpportunity(
cus.Id,
cus.Id,
new ServiceClientProxy.EzServiceReference.OpportunityModel {
Email = cus.Name,
CloseDate = now,
TookAmount = (int)loan.LoanAmount,
ApprovedAmount = (int)(cus.CreditSum ?? 0) + (int)loanAmount,
DealCloseType = OpportunityDealCloseReason.Won.ToString(),
Origin = cus.CustomerOrigin.Name
}
);
this.serviceClient.Instance.SalesForceAddUpdateLeadAccount(cus.Id, cus.Name, cus.Id, false, false); //update account with new number of loans
HandleSalesForceTopup(cus, now); //EZ-3908
return(loan);
} // CreateLoan
