public IEnumerable <LoanOffer> GetLoanOffers()
{
var loanOffers = new List <LoanOffer>();
if (!File.Exists(filename))
{
throw new Exception("The specified file does not exist");
}
using (var reader = File.OpenText(filename))
{
var line = reader.ReadLine(); // Read and ignore first line as it contains the headers.
while ((line = reader.ReadLine()) != null)
{
var columns = line.Split(',');
var loanOffer = new LoanOffer
{
LenderName = columns[0],
Rate = decimal.Parse(columns[1]),
Amount = decimal.Parse(columns[2])
};
loanOffers.Add(loanOffer);
}
}
return(loanOffers);
}
public LoanOfferReportResult(LoanOffer loanOffer, bool isExcel, bool isShowDetails, Customer customer)
{
_loanOffer = loanOffer;
_isExcel = isExcel;
_isShowDetails = isShowDetails;
_customer = customer;
}
private LoanOffer GetLoanOffer(long id)
{
var cr = _cashRequests.Get(id);
var loan = _loanBuilder.CreateNewLoan(cr,
cr.ApprovedSum(),
cr.OfferStart.HasValue ? cr.OfferStart.Value : DateTime.UtcNow,
cr.ApprovedRepaymentPeriod.HasValue ? cr.ApprovedRepaymentPeriod.Value : 12);
var calc = new LoanRepaymentScheduleCalculator(loan, loan.Date, CurrentValues.Instance.AmountToChargeFrom);
calc.GetState();
try {
ServiceClient service = new ServiceClient();
long nlLoanId = service.Instance.GetLoanByOldID(loan.Id, cr.Customer.Id, 1).Value;
if (nlLoanId > 0)
{
var nlModel = service.Instance.GetLoanState(loan.Customer.Id, nlLoanId, loan.Date, 1, true).Value;
Log.InfoFormat("<<< NL_Compare: {0}\n===============loan: {1} >>>", nlModel, loan);
}
// ReSharper disable once CatchAllClause
} catch (Exception ex) {
Log.InfoFormat("<<< NL_Compare fail at: {0}, err: {1}", Environment.StackTrace, ex.Message);
}
var apr = loan.LoanAmount == 0 ? 0 : _aprCalc.Calculate(loan.LoanAmount, loan.Schedule, loan.SetupFee, loan.Date);
var loanOffer = LoanOffer.InitFromLoan(loan, apr, null, cr);
//TODO calculate offer
Log.DebugFormat("calculate offer for customer {0}", cr.Customer.Id);
return(loanOffer);
}
public byte[] GenerateReport(LoanOffer loanOffer, bool isExcel, bool isShowDetails, string header)
{
var worksheet = _workbook.Worksheets[_workbook.Worksheets.ActiveSheetIndex];
worksheet.Name = "Loan Offer";
int row = 6;
int column = 1;
_workbook.ChangePalette(Color.FromArgb(197, 197, 197), 55);
_workbook.ChangePalette(Color.FromArgb(221, 221, 221), 54);
_workbook.ChangePalette(Color.FromArgb(123, 178, 36), 53);
HeaderReportGenerator.CreateHeader(worksheet, header, column - 1, column, 7);
worksheet.Cells.SetColumnWidth(0, 1);
worksheet.Cells.SetColumnWidth(1, 16);
worksheet.Cells.SetColumnWidth(2, 15);
CreateXlsHeader(worksheet, row, column);
var i = 0;
foreach (var item in loanOffer.Schedule)
{
row++;
i++;
worksheet.Cells[row, column].PutValue(item.Date.ToString("dd/MM/yyyy", CultureInfo.InvariantCulture));
worksheet.Cells[row, column + 1].PutValue("£" + FormattingUtils.FormatMiddle(item.LoanRepayment));
worksheet.Cells[row, column + 2].PutValue("£" + FormattingUtils.FormatMiddle(item.Interest));
worksheet.Cells[row, column + 3].PutValue(FormattingUtils.FormatMiddle(item.InterestRate * 100) + "%");
var fee = loanOffer.SetupFee > 0 && i == 1 ? loanOffer.SetupFee : 0;
if (item.Fees > 0)
{
fee += item.Fees;
}
var res = fee != 0 ? "£" + FormattingUtils.FormatMiddle(fee) : "-";
var res1 = loanOffer.SetupFee > 0 && i == 1 ? "*" : string.Empty;
worksheet.Cells[row, column + 4].PutValue(res + res1);
//worksheet.Cells.Merge(row, column + 5, 1, 3);
worksheet.Cells[row, column + 5].PutValue("£" + FormattingUtils.FormatMiddle(item.AmountDue));
SetCellStyle(worksheet, row, column, false);
}
row = CreateTotalBlock(loanOffer, row, column, worksheet);
if (loanOffer.Details.IsModified)
{
row++;
worksheet.Cells.Merge(row, column, 1, 7);
worksheet.Cells[row, column].PutValue("Offer was manually modified");
worksheet.Cells[row, column].Style.Font.IsBold = true;
}
if (isShowDetails)
{
CreateDetails(loanOffer.Details, row, column, worksheet);
}
return(ConvertFormat(_workbook, isExcel ? FileFormatType.Excel2003 : FileFormatType.Pdf));
}
// [Transactional]
public JsonResult Calculate(int amount, int loanType, int repaymentPeriod)
{
log.Debug(
"Calculating schedule for customer {0}: {1} of type {2} for {3} repayments.",
this.context.Customer.Stringify(),
amount.ToString("C0"),
loanType,
repaymentPeriod
);
// el: slider of offer display (customer app)
LoanOffer loanOffer = CalculateLoan(amount, loanType, repaymentPeriod);
log.Debug(
"Calculating schedule for customer {0}: {1} of type {2} for {3} repayments - loan offer is {4}.",
this.context.Customer.Stringify(),
amount.ToString("C0"),
loanType,
repaymentPeriod,
loanOffer == null ? "-- null --" : "-- not null --"
);
if (loanOffer == null)
{
return(Json(new { error = "Invalid customer state" }, JsonRequestBehavior.AllowGet));
}
log.Debug(
"Calculating schedule for customer {0}: {1} of type {2} for {3} repayments - hunting for legal docs...",
this.context.Customer.Stringify(),
amount.ToString("C0"),
loanType,
repaymentPeriod
);
var productSubTypeID = this.context.Customer.LastCashRequest.ProductSubTypeID;
var originId = this.context.Customer.CustomerOrigin.CustomerOriginID;
var isRegulated = this.context.Customer.PersonalInfo.TypeOfBusiness.IsRegulated();
loanOffer.Templates = this.serviceClient.Instance.GetLegalDocs(
this.context.UserId,
this.context.UserId,
originId,
isRegulated,
productSubTypeID ?? 0
).LoanAgreementTemplates.ToList();
log.Debug(
"Completed calculating schedule for customer {0}: {1} of type {2} for {3} repayments.",
this.context.Customer.Stringify(),
amount.ToString("C0"),
loanType,
repaymentPeriod
);
return(Json(loanOffer, JsonRequestBehavior.AllowGet));
} // Calculate
public async Task UpdateAsync(LoanOffer loanOffer)
{
var request = CreateUpdateItemRequest(loanOffer);
var response = await _dynamoDbClient.UpdateItemAsync(request);
if (response.HttpStatusCode != HttpStatusCode.OK)
{
throw new FailedToUpdateLoanOfferInDynamoDbException(response.HttpStatusCode);
}
}
public async Task AddAsync(LoanOffer loanOffer)
{
var request = CreatePutLoanOfferRequest(loanOffer);
var response = await _dynamoDbClient.PutItemAsync(request);
if (response.HttpStatusCode != HttpStatusCode.OK)
{
throw new FailedToPutLoanOfferToDynamoDbException(response.HttpStatusCode);
}
}
public void CalculateFutureValue()
{
var loan = new LoanOffer(LOAN_PERIOD_MONTHS);
loan.Principle = LOAN_1_PRINCIPLE;
loan.Rate = LOAN_1_RATE;
double totalRepayment = loan.GetTotalRepaymentValue();
Assert.Equal(1111.58, totalRepayment);
}
public void CalculateMonthlyRepayment()
{
var loan = new LoanOffer(LOAN_PERIOD_MONTHS);
loan.Principle = LOAN_1_PRINCIPLE;
loan.Rate = LOAN_1_RATE;
double monthlyRepayment = loan.GetMonthlyRepaymentValue();
Assert.Equal(30.88, monthlyRepayment);
}
public void check_if_there_are_sufficient_offers(int available1, int available2, decimal loanRequested, bool expectedResult)
{
var bobOffer = new LoanOffer("Bob", 0.075d, available1);
var janeOffer = new LoanOffer("Jane", 0.069d, available2);
var loanOffers = new LoanOffers(new List <LoanOffer> {
bobOffer, janeOffer
});
var result = loanOffers.HasSufficientOffersFor(new Money(loanRequested));
result.Should().Be(expectedResult);
}
private static UpdateItemRequest CreateUpdateItemRequest(LoanOffer loanOffer)
=> new UpdateItemRequest
{
TableName = LoanOfferTableName,
Key = GetDictionaryWithIdAttribute(loanOffer.Id),
AttributeUpdates = new Dictionary <string, AttributeValueUpdate>
{
{ RequestedLoanAmountDynamoFiledName, new AttributeValueUpdate(new AttributeValue {
N = loanOffer.RequestedLoanAmount.ToString()
}, AttributeAction.PUT) }
}
};
public void get_sufficient_loan_offers_sorted_by_rate_in_ascending_order()
{
var bobOffer = new LoanOffer("Bob", 0.075d, 640);
var janeOffer = new LoanOffer("Jane", 0.069d, 480);
var fredOffer = new LoanOffer("Fred", 0.071d, 520);
var loanOffers = new LoanOffers(new List <LoanOffer> {
bobOffer, janeOffer, fredOffer
});
var sortedLoanOffers = loanOffers.GetSufficientSortedLoanOffers(new Money(900m));
sortedLoanOffers.Should().ContainInOrder(janeOffer, fredOffer);
}
public void Print_PrintError_Test()
{
//Arrange
var loanOffer = new LoanOffer("Some Error");
int counter = 0;
var mockDelegate = new Mock <Action <string, object> >();
mockDelegate.Setup(x => x("Error in the lenders file or the requested loan amount: \n\r Some Error", null)).Callback <string, object>((s, obj) => { counter++; });
//Act
loanOffer.Print(mockDelegate.Object);
mockDelegate.Verify(foo => foo("Error in the lenders file or the requested loan amount: \n\r Some Error", null), Times.Once);
Assert.AreEqual(1, counter);
}
public void Print_Successful_Results_Test()
{
//Arrange
var loanOffer = new LoanOffer(1500, 0.06, 30.78, 36);
int counter = 0;
var mockDelegate = new Mock <Action <string, object> >();
mockDelegate.Setup(x => x("Requested amount: £1500\r\nRate: 6.0%\r\nMonthly repayment: £30.78\r\nTotal repayment: £1,108.08", null)).Callback <string, object>((s, obj) => { counter++; });
//Act
loanOffer.Print(mockDelegate.Object);
mockDelegate.Verify(foo => foo("Requested amount: £1500\r\nRate: 6.0%\r\nMonthly repayment: £30.78\r\nTotal repayment: £1,108.08", null), Times.Once);
Assert.AreEqual(1, counter);
}
private int CreateTotalBlock(LoanOffer loanOffer, int row, int column, Worksheet worksheet)
{
row += 2;
worksheet.Cells.Merge(row, column, 2, 1);
worksheet.Cells[row, column + 1].PutValue("Loan");
worksheet.Cells[row + 1, column + 1].PutValue("£" + FormattingUtils.FormatMiddle(loanOffer.TotalPrincipal));
worksheet.Cells.Merge(row, column + 2, 2, 1);
worksheet.Cells.Merge(row, column + 3, 2, 1);
worksheet.Cells[row, column + 4].PutValue("Cost");
worksheet.Cells[row + 1, column + 4].PutValue("£" + FormattingUtils.FormatMiddle(loanOffer.TotalInterest));
worksheet.Cells.Merge(row, column + 5, 2, 1);
worksheet.Cells[row, column + 6].PutValue("Total");
worksheet.Cells[row + 1, column + 6].PutValue("£" + FormattingUtils.FormatMiddle(loanOffer.Total));
var filePath = System.Web.HttpContext.Current.Server.MapPath("~/Content/img/image-money64.png");
worksheet.Pictures.Add(row, column + 0, filePath, 50, 50);
filePath = System.Web.HttpContext.Current.Server.MapPath("~/Content/img/plus.png");
worksheet.Pictures.Add(row, column + 2, filePath, 100, 80);
filePath = System.Web.HttpContext.Current.Server.MapPath("~/Content/img/image-money32.png");
worksheet.Pictures.Add(row, column + 3, filePath, 100, 80);
filePath = System.Web.HttpContext.Current.Server.MapPath("~/Content/img/arrow-right.png");
worksheet.Pictures.Add(row, column + 5, filePath, 100, 80);
row += 2;
worksheet.Cells.Merge(row, column + 0, 2, 7);
worksheet.Cells[row, column + 0].PutValue(string.Format("Real Loan Cost ={0:0.00}%, Apr={1}%",
loanOffer.RealInterestCost * 100, loanOffer.Apr));
//worksheet.Cells[row, column].GetMergedRange().SetOutlineBorder(BorderType.BottomBorder, CellBorderType.Thin, Color.FromArgb(197, 197, 197));
//worksheet.Cells[row, column].GetMergedRange().SetOutlineBorder(BorderType.LeftBorder, CellBorderType.Thin, Color.FromArgb(197, 197, 197));
//worksheet.Cells[row, column].GetMergedRange().SetOutlineBorder(BorderType.RightBorder, CellBorderType.Thin, Color.FromArgb(197, 197, 197));
//worksheet.Cells[row, column].GetMergedRange().SetOutlineBorder(BorderType.TopBorder, CellBorderType.Thin, Color.FromArgb(197, 197, 197));
return(row + 1);
}
private static PutItemRequest CreatePutLoanOfferRequest(LoanOffer loanOffer)
=> new PutItemRequest
{
TableName = LoanOfferTableName,
Item = new Dictionary <string, AttributeValue>
{
{ IdDynamoFieldName, new AttributeValue {
S = loanOffer.Id.ToString()
} },
{ PeselNumberDynamoFieldName, new AttributeValue {
S = loanOffer.PeselNumber.Value
} },
{ EmailAddressDynamoFieldName, new AttributeValue {
S = loanOffer.EmailAddress.Value
} },
{ MaxLoanAmountDynamoFieldName, new AttributeValue {
N = loanOffer.MaxLoanAmount.ToString()
} },
}
};
public LoanOfferRepository()
{
if (_loanOffers is null)
{
_loanOffers = new List <LoanOffer>();
var loanMortgageDetail = new LoanOffer()
{
Id = 1,
Interest = 0.035m,
Type = IntallmentType.Decreasing,
Name = LoanName.Mortgage,
};
_loanOffers.Add(loanMortgageDetail);
var loanCarOffer = new LoanOffer()
{
Id = 2,
Interest = 0.095m,
Type = IntallmentType.Equal,
Name = LoanName.Car,
};
_loanOffers.Add(loanCarOffer);
}
}
public JsonResult GetOffer(GetInstantOfferModel model, CompanyInfo company)
{
var context = ObjectFactory.GetInstance <IWorkplaceContext>();
var response = this.m_oServiceClient.Instance.BrokerInstantOffer(new BrokerInstantOfferRequest {
Created = DateTime.UtcNow,
BrokerId = context.UserId,
CompanyNameNumber = model.CompanyNameNumber,
AnnualTurnover = model.AnnualTurnover,
AnnualProfit = model.AnnualProfit,
NumOfEmployees = model.NumOfEmployees,
MainApplicantCreditScore = model.MainApplicantCreditScore,
IsHomeOwner = model.IsHomeOwner,
ExperianRefNum = company.BusRefNum,
ExperianCompanyName = company.BusName,
ExperianCompanyLegalStatus = company.LegalStatus,
ExperianCompanyPostcode = company.PostCode
});
var loanTypeRepository = ObjectFactory.GetInstance <LoanTypeRepository>();
var loanSourceRepository = ObjectFactory.GetInstance <LoanSourceRepository>();
var loanBuilder = ObjectFactory.GetInstance <LoanBuilder>();
var aprCalc = ObjectFactory.GetInstance <APRCalculator>();
var cr = new CashRequest {
ApprovedRepaymentPeriod = response.Response.RepaymentPeriod,
InterestRate = response.Response.InterestRate,
LoanType = loanTypeRepository.Get(response.Response.LoanTypeId),
LoanSource = loanSourceRepository.Get(response.Response.LoanSourceId),
ManagerApprovedSum = response.Response.ApprovedSum,
UseBrokerSetupFee = response.Response.UseBrokerSetupFee,
UseSetupFee = response.Response.UseSetupFee,
RepaymentPeriod = response.Response.RepaymentPeriod,
LoanLegals = new List <LoanLegal>()
};
var loan = loanBuilder.CreateNewLoan(cr,
cr.ApprovedSum(),
DateTime.UtcNow,
cr.ApprovedRepaymentPeriod.HasValue ? cr.ApprovedRepaymentPeriod.Value : 12);
var calc = new LoanRepaymentScheduleCalculator(loan, loan.Date, CurrentValues.Instance.AmountToChargeFrom);
calc.GetState();
try {
long nlLoanId = this.m_oServiceClient.Instance.GetLoanByOldID(loan.Id, loan.Customer.Id, context.UserId).Value;
if (nlLoanId > 0)
{
var nlModel = this.m_oServiceClient.Instance.GetLoanState(loan.Customer.Id, nlLoanId, loan.Date, context.UserId, true).Value;
ms_oLog.Info("<<< NL_Compare: {0}\n===============loan: {1} >>>", nlModel, loan);
}
// ReSharper disable once CatchAllClause
} catch (Exception ex) {
ms_oLog.Info("<<< NL_Compare fail at: {0}, err: {1}", Environment.StackTrace, ex.Message);
}
var apr = loan.LoanAmount == 0 ? 0 : aprCalc.Calculate(loan.LoanAmount, loan.Schedule, loan.SetupFee, loan.Date);
var loanOffer = LoanOffer.InitFromLoan(loan, apr, null, cr);
return(Json(loanOffer, JsonRequestBehavior.AllowGet));
} // GetOffer
} // Calculate
private LoanOffer CalculateLoan(int amount, int loanType, int repaymentPeriod)
{
if (!this.context.Customer.CreditSum.HasValue)
{
log.Warn(
"Cannot calculate loan ({0} of type {1} for {2} repayments) for customer {3}: credit sum is null.",
amount.ToString("C0"),
loanType,
repaymentPeriod,
this.context.Customer.Stringify()
);
return(null);
} // if
if (this.context.Customer.Status != Status.Approved)
{
log.Warn(
"Cannot calculate loan ({0} of type {1} for {2} repayments) for customer {3}: customer status is '{4}'.",
amount.ToString("C0"),
loanType,
repaymentPeriod,
this.context.Customer.Stringify(),
this.context.Customer.Status
);
return(null);
} // if
var creditSum = this.context.Customer.CreditSum.Value;
this.context.Customer.ValidateOfferDate();
if (amount < 0)
{
amount = (int)Math.Floor(creditSum);
}
if (amount > creditSum)
{
log.Warn(
"Attempt to calculate schedule for amount({0}) bigger than credit sum value({1})",
amount,
creditSum
);
amount = (int)Math.Floor(creditSum);
} // if
var cr = this.context.Customer.LastCashRequest;
if (this.context.Customer.IsLoanTypeSelectionAllowed == 1)
{
var oDBHelper = ObjectFactory.GetInstance <IDatabaseDataHelper>() as DatabaseDataHelper;
if (oDBHelper != null)
{
cr.LoanType = oDBHelper.LoanTypeRepository.Get(loanType);
}
} // if
if (cr.IsCustomerRepaymentPeriodSelectionAllowed)
{
cr.RepaymentPeriod = repaymentPeriod;
}
BuiltLoan builtLoan = this.loanBuilder.BuildLoan(cr, amount, DateTime.UtcNow, cr.RepaymentPeriod);
var schedule = builtLoan.Loan.Schedule;
var apr = this.aprCalc.Calculate(amount, schedule, builtLoan.Loan.SetupFee, builtLoan.Loan.Date);
var b = new AgreementsModelBuilder(this.loanLegalRepo);
var agreement = b.Build(this.context.Customer, amount, builtLoan.Loan);
// TODO calculate offer
log.Debug("calculate offer for customer {0}", this.context.Customer.Id);
var loanOffer = LoanOffer.InitFromLoan(builtLoan.Loan, apr, agreement, cr);
loanOffer.ManualSetupFeePercent = builtLoan.ManualSetupFeePercent;
loanOffer.BrokerFeePercent = builtLoan.BrokerFeePercent;
return(loanOffer);
} // CalculateLoan
