public void CustomerIsNotARegisteredDebtor_CustomerNotADebtor_IsSatisfied()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithIdentifier("71041864667"))
.Build();
var rule = new CustomerIsNotARegisteredDebtor(new DebtorRegistryMock());
var ruleCheckResult = rule.IsSatisfiedBy(application);
Assert.True(ruleCheckResult);
}
public void WhenAnyRuleIsNotSatisfied_ScoringResult_IsRed()
{
var application = new LoanApplicationBuilder()
.WithLoan(loan => loan.WithNumberOfYears(20).WithAmount(400_000M).WithInterestRate(1M))
.WithCustomer(customer => customer.WithIncome(4_000M))
.Build();
var score = scoringRulesFactory.DefaultSet.Evaluate(application);
Assert.Equal(ApplicationScore.Red, score.Score);
}
public void NewApplication_IsCreatedIn_NewStatus_AndNullScore()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(25).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.Build();
LoanApplicationAssert.That(application)
.IsInStatus(LoanApplicationStatus.New)
.ScoreIsNull();
}
public void CustomerIncome15PercentLowerThenOfInstallment_InstallmentAmountMustBeLowerThen15PercentOfCustomerIncome_IsNotSatisfied()
{
var application = new LoanApplicationBuilder()
.WithLoan(loan => loan.WithNumberOfYears(20).WithAmount(400_000M).WithInterestRate(1M))
.WithCustomer(customer => customer.WithIncome(4_000M))
.Build();
var rule = new InstallmentAmountMustBeLowerThen15PercentOfCustomerIncome();
var ruleCheckResult = rule.IsSatisfiedBy(application);
Assert.False(ruleCheckResult);
}
public void CustomerOlderThan65AtEndOfLoan_CustomerAgeAtTheDateOfLastInstallmentMustBeBelow65_IsNotSatisfied()
{
var application = new LoanApplicationBuilder()
.WithLoan(loan => loan.WithNumberOfYears(20))
.WithCustomer(customer => customer.WithAge(46))
.Build();
var rule = new CustomerAgeAtTheDateOfLastInstallmentMustBeBelow65();
var ruleCheckResult = rule.IsSatisfiedBy(application);
Assert.False(ruleCheckResult);
}
public void PropertyValueLowerThanLoan_LoanAmountMustBeLowerThanPropertyValue_IsNotSatisfied()
{
var application = new LoanApplicationBuilder()
.WithProperty(prop => prop.WithValue(750_000M))
.WithLoan(loan => loan.WithAmount(800_000M))
.Build();
var rule = new LoanAmountMustBeLowerThanPropertyValue();
var ruleCheckResult = rule.IsSatisfiedBy(application);
Assert.False(ruleCheckResult);
}
public void WhenAllRulesAreSatisfied_ScoringResult_IsGreen()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(25).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.Build();
var score = scoringRulesFactory.DefaultSet.Evaluate(application);
Assert.Equal(ApplicationScore.Green, score.Score);
}
public void InvalidApplication_EvaluationScore_IsRed_And_StatusIsRejected()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(55).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.Build();
application.Evaluate(scoringRulesFactory.DefaultSet);
LoanApplicationAssert.That(application)
.IsInStatus(LoanApplicationStatus.Rejected)
.ScoreIs(ApplicationScore.Red);
}
public void LoanApplication_WithoutScore_CannotBeAccepted()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(25).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.NotEvaluated()
.Build();
var user = new OperatorBuilder().WithLogin("admin").Build();
var ex = Assert.Throws <ApplicationException>(() => application.Accept(user));
Assert.Equal("Cannot accept application before scoring", ex.Message);
}
public void LoanApplication_Accepted_CannotBeRejected()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(25).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.Evaluated()
.Accepted()
.Build();
var user = new OperatorBuilder().WithLogin("admin").Build();
var ex = Assert.Throws <ApplicationException>(() => application.Reject(user));
Assert.Equal("Cannot reject application that is already accepted or rejected", ex.Message);
}
public void LoanApplication_WithoutScore_CanBeRejected()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(25).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.NotEvaluated()
.Build();
var user = new OperatorBuilder().WithLogin("admin").Build();
application.Reject(user);
LoanApplicationAssert.That(application)
.IsInStatus(LoanApplicationStatus.Rejected)
.ScoreIsNull();
}
public void LoanApplication_InStatusNew_EvaluatedGreen_OperatorDoesNotHaveCompetenceLevel_CannotBeAccepted()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(25).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.Evaluated()
.Build();
var user = new OperatorBuilder()
.WithLogin("admin")
.WithCompetenceLevel(100_000M)
.Build();
var ex = Assert.Throws <ApplicationException>(() => application.Accept(user));
Assert.Equal("Operator does not have required competence level to accept application", ex.Message);
}
public void LoanApplication_InStatusNew_EvaluatedGreen_OperatorHasCompetenceLevel_CanBeAccepted()
{
var application = new LoanApplicationBuilder()
.WithCustomer(customer => customer.WithAge(25).WithIncome(15_000M))
.WithLoan(loan => loan.WithAmount(200_000).WithNumberOfYears(25).WithInterestRate(1.1M))
.WithProperty(prop => prop.WithValue(250_000M))
.Evaluated()
.Build();
var user = new OperatorBuilder()
.WithLogin("admin")
.WithCompetenceLevel(1_000_000M)
.Build();
application.Accept(user);
LoanApplicationAssert.That(application)
.IsInStatus(LoanApplicationStatus.Accepted)
.ScoreIs(ApplicationScore.Green);
}
