public decimal QualifyAmount(LoanQualificationApplication app)
{
decimal amount = app.NetIncome * settings.NetIncomeThresold;
List <Loan> loans = unitOfWork.Loans.GetAllLoansAsBorrower(app.ApplicationUserId);
int loanCount = loans.Count;
amount = loanCount == 0 ?
amount > settings.MaxiumAmountOnFirstLoan ? settings.MaxiumAmountOnFirstLoan : amount
: amount;
return(amount);
}
public QualificationResult Qualify(string userId)
{
QualificationResult result = new QualificationResult();
QualificationSettings settings = new QualificationSettings();
LoanQualificationApplication app = unitOfWork.LoanApplications.GetLatestApp(userId);
if (app.NetIncome < settings.MinimumNetIncome)
{
result.QualifyAmount = 0;
result.DeniedReason = "Net income doesn't meet required minimum";
return(result);
}
result.QualifyAmount = QualifyAmount(app);
if (DateTime.Now > (app.CreatedDate.AddDays(settings.AppValidDays)))
{
result.DeniedReason = "Qualification out of date";
return(result);
}
List <Loan> loansInNegStatus = unitOfWork.Loans.GetLoansInNegativeStatus(userId);
if (loansInNegStatus.Count > 0)
{
result.DeniedReason = "laon(s) in negative status";
return(result);
}
BankAccount activeBankAccount = unitOfWork.BankAccounts.GetActive(userId);
if (activeBankAccount == null)
{
result.DeniedReason = "No Active Bank account";
return(result);
}
Transaction lastTransaction = unitOfWork.Transactions.GetLastTransaction(activeBankAccount.Id);
if (lastTransaction != null &&
lastTransaction.StatusId == (int)TransactionStatuses.Bounced ||
lastTransaction.StatusId == (int)TransactionStatuses.Failed)
{
result.DeniedReason = "Last Transaction Failed";
return(result);
}
if (activeBankAccount.IsAuthorized)
{
result.DeniedReason = "Bank Account Not Authorized";
return(result);
}
if (activeBankAccount.IsVerified)
{
result.DeniedReason = "Bank Account Not Verified";
return(result);
}
return(result);
}
