public void FlateBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithInterestAndKeepExpectedInstallment()
{
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 = 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.NonRepaymentPenalties.OverDueInterest = 0.003;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", true);
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 + 30 * 0.003 * 42 + 230 * 0.003 *14
Assert.AreEqual(273.44m, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
//NOT CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", false);
//30 + 230 + 30 * 0.003 * 36 + 230 * 0.003 *12
Assert.AreEqual(270.74m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
}
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 Flate_BadLoan_42DaysLate_BasedOnInitialAmount_KeepExpectedInstallment_Fees()
{
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()));
myContract.BadLoan = true;
myContract.NonRepaymentPenalties.InitialAmount = 0.003;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
//42 days late
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));
}
public void Declining_BadLoanWith42dayslateWhenNonRepaymentFeesBaseOnInitialAmountAndKeepExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", true);
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
};
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 = 0.003;
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 + 1000 * 0.003 * 42
Assert.AreEqual(374.35m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
}
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);
}
private void CalculateAmountToRegradingLoan()
{
_maximumAmountToRegradingLoan = _amountToRegradingLoan.CalculateMaximumAmountToRegradingLoan(_date);
}