public void Loan_Construct_Pass()
{
// arrange
// act
ILoanResult loan = new LoanResult(id, fakeLender, fakeBorrower, message, pickupTime, returnTime, fakeAddress, books, status);
// assert
Assert.NotNull(loan);
}
public ActionResult RequestLoan(Loans_RequestLoan_VM Model)
{
if (!UserAccount.IsLoggedIn(this))
{
return(RedirectToAction("SendToLogin", "Account", new { Something = "" }));
}
if (!ModelState.IsValid)
{
return(View(Model));
}
int UserID = (UserAccount.ActiveUser != null) ? UserAccount.ActiveUser.ID : 1027 /*For Debug*/;
var Loan = new LoanRequest().New();
Loan.UserID = UserID;
Loan.SocialSecurity = Model.SocialSecurity;
Loan.Income = Model.Income;
Loan.Employer = Model.Employer;
Loan.JobTitle = Model.JobTitle;
Loan.EmploymentType = Model.EmploymentType;
Loan.Amount = Model.Amount;
Loan.Terms = Model.Terms;
Loan.DownPayment = Model.DownPayment;
Loan.LoanType = Model.LoanType;
Loan.Status = "Pending";
if (!Loan.Save())
{
TempData["AlertTag"] = "danger";
TempData["AlertLabel"] = "Error: ";
TempData["AlertMessage"] = "Loan request could not be saved.";
return(View(Model));
}
var Score = CreditScore.GetByUserID(UserID).TransUnion;
//JDR: Call Api to calclate Result
// ... Code ...
var LoanProperties = new
{
Terms = Model.Terms,
Amount = Model.Amount,
Income = Model.Income,
DownPayment = Model.DownPayment,
CreditScore = Score,
APR = LoanResult.CalculateAPR((int)Score, (int)Model.Terms),
};
var Result = new LoanResult().New();
Result.RequestID = Loan.ID;
Result.Amount = Model.Amount;
Result.Term = Model.Terms;
Result.ResolutionDate = DateTime.Now;
Result.CreditScore = LoanProperties.CreditScore;
Result.APR = LoanProperties.APR;
Result.MonthlyPayment = LoanResult.CalculateMonthlyPayment(LoanProperties);
Result.Decision = "Pending";
Result.Comments = "Loan has been recived and is pending review.";
double IncomeYrTotal = (double)Model.Income;
double DebtMonthTotal = (double)Result.MonthlyPayment;
var UserLoans = LoanRequest.GetLoanRequestsByUserID(UserID);
//JDR: Factor in other loans to debt equation
foreach (LoanRequest LoanElement in UserLoans)
{
//if (!LoanElement.Active()) continue;
if (LoanElement.Status.Trim() != "Approved")
{
continue;
}
LoanResult ResultElement = LoanElement.GetLoanResults();
if (ResultElement == null)
{
continue;
}
DebtMonthTotal += (double)ResultElement.MonthlyPayment;
}
var DebtToIncome = LoanResult.CalculateDebtToIncomePercent(IncomeYrTotal, DebtMonthTotal);
//JDR: Save Loan approved/denied result
if (LoanResult.IsLoanApproved(DebtToIncome, Model.LoanType))
{
Loan.Status = "Approved";
Result.Decision = "Approved";
Result.Comments = "Loan has been approved for a total of " + Result.Amount.ToString("$###,###.##") + ".";
}
else
{
Loan.Status = "Denied";
Result.Decision = "Denied";
Result.Comments = "Loan has beed denied do to debt to income ratio.";
Result.APR = 0.0;
Result.MonthlyPayment = 0.0;
}
Loan.Save();
if (!Result.Save())
{
TempData["AlertTag"] = "danger";
TempData["AlertLabel"] = "Error: ";
TempData["AlertMessage"] = "Loan request cound not save/compute result of request.";
return(RedirectToAction("Dashboard", "Account"));
}
/*//DEBUG
* TempData["AlertMessage"] = "";
* TempData["AlertMessage"] += DEBUG.ObjectToString(Loan) + "<hr>";
* TempData["AlertMessage"] += DEBUG.ObjectToString(Result) + "<hr>";
* TempData["AlertMessage"] += DEBUG.ObjectToString(LoanProperties) + "<hr>";
* TempData["AlertMessage"] += "Result.MonthlyPayment = " + Result.MonthlyPayment + "<hr>";
* TempData["AlertMessage"] += "IncomeYrTotal = "+ IncomeYrTotal + "<hr>";
* TempData["AlertMessage"] += "DebtMonthTotal = " + DebtMonthTotal + "<hr>";
* TempData["AlertMessage"] += "DebtToIncome = " + DebtToIncome + "<hr>";
* return View();
* //*/
TempData["AlertTag"] = "success";
TempData["AlertLabel"] = "Success!: ";
TempData["AlertMessage"] = "Loan request has been submited.";
return(RedirectToAction("Dashboard", "Account"));
}
