private static OCurrency _ExpensesLoanLossBalance(Loan pCredit,ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.AllInstallmentsRepaid && !pCredit.WrittenOff)
return pCredit.Amount * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
else
return 0;
}
private static OCurrency _IncomeLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
OCurrency olb = pCredit.GetOlb();
OCurrency rate = Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0) olb = 0;
if (pCredit.WrittenOff) return 0;
if (!pCredit.Disbursed) return 0;
if (pCredit.AllInstallmentsRepaid) return 0;
if (!pCredit.BadLoan) return (pCredit.Amount - olb) * rate;
else return (pCredit.Amount) * rate;
}
public static bool CheckDegradeToBadLoan(Loan pLoan, ApplicationSettings settings, ProvisionTable pProvisionTable, DateTime pDate, bool authorizeSeveralPastDueEventByPeriod, int? pPstDueDays,User pUser)
{
DateTime date;
int pastDueDays;
if (pPstDueDays.HasValue)
{
pastDueDays = pPstDueDays.Value;
date = pDate.AddDays(pastDueDays - pLoan.GetPastDueDays(pDate));
}
else
{
date = pDate;
pastDueDays = pLoan.GetPastDueDays(date);
}
//In this case, the loan is not considered as bad loan
if (pastDueDays < PAST_DUE_MIN_DAYS)
{
return false;
}
//A loan is only degraded from cash credit to bad loan one time
OCurrency cashBalance = 0; //pLoan.ChartOfAccounts.GetAccountByNumber(OAccounts.CASH_CREDIT, pLoan.Product.Currency.Id, pLoan, OBookingDirections.Both).Balance;
if (cashBalance != 0)
{
pLoan.BadLoan = true;
}
else
{
//Downgrading the loan to unrecoverable bad loans is done once for loan with past due days greater than 180
if (pastDueDays > settings.BadLoanDays)
{
pLoan.BadLoan = true;
}
}
return true;
}
private static Loan GetContract(OCurrency pAmount, int pNumberOfInstallments, decimal pRate, int pGracePeriod, bool pChargeInterestDuringGracePeriod)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = pChargeInterestDuringGracePeriod,
Currency = new Currency {
Id = 1
}
};
return(new Loan(package, pAmount, pRate, pNumberOfInstallments, pGracePeriod, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())));
}
public Settings GetCurrentSettings(bool pIncludePackages)
{
Settings settings = new Settings();
// General parameters
SettingGroup generalParameters = new SettingGroup(GENERAL_PARAMETERS);
settings.Add(generalParameters);
ApplicationSettings gp = ApplicationSettings.GetInstance(_user.Md5);
generalParameters.Add(new Setting(OGeneralSettings.ACCOUNTINGPROCESS, ((int)gp.AccountingProcesses).ToString()));
generalParameters.Add(new Setting(OGeneralSettings.ALLOWSMULTIPLELOANS, gp.IsAllowMultipleLoans.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.ALLOWSMULTIPLEGROUPS, gp.IsAllowMultipleGroups.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.BAD_LOAN_DAYS, gp.BadLoanDays.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, gp.IsCalculationLateFeesDuringHolidays.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.CEASE_LAIE_DAYS, gp.CeaseLateDays.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.CONTRACT_CODE_TEMPLATE, gp.ContractCodeTemplate));
generalParameters.Add(new Setting(OGeneralSettings.COUNTRY, gp.Country));
generalParameters.Add(new Setting(OGeneralSettings.AUTOMATIC_ID, gp.IsAutomaticID.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, gp.DoNotSkipNonWorkingDays.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.ENFORCE_ID_PATTERN, gp.EnforceIDPattern.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.GROUPMINMEMBERS, gp.GroupMinMembers.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.GROUPMAXMEMBERS, gp.GroupMaxMembers.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.VILLAGEMINMEMBERS, gp.VillageMinMembers.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.VILLAGEMAXMEMBERS, gp.VillageMaxMembers.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.CLIENT_AGE_MIN, gp.ClientAgeMin.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.CLIENT_AGE_MAX, gp.ClientAgeMax.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.MAX_LOANS_COVERED, gp.MaxLoansCovered.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.MAX_GUARANTOR_AMOUNT, gp.MaxGuarantorAmount.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.ID_PATTERN, gp.IDPattern));
generalParameters.Add(new Setting(OGeneralSettings.INTERESTS_ALSO_CREDITED_IN_FL, gp.InterestsCreditedInFL.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.INCREMENTALDURINGDAYOFF, gp.IsIncrementalDuringDayOff.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.LATEDAYSAFTERACCRUALCEASES, gp.LateDaysAfterAccrualCeases.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.MAX_NUMBER_INSTALLMENT, gp.MaxNumberInstallment.ToString()));;
generalParameters.Add(new Setting(OGeneralSettings.MFI_NAME, gp.MfiName));
generalParameters.Add(new Setting(OGeneralSettings.OLBBEFOREREPAYMENT, gp.IsOlbBeforeRepayment.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, gp.PayFirstInterestRealValue.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.PENDING_SAVINGS_MODE, gp.PendingSavingsMode));
generalParameters.Add(new Setting(OGeneralSettings.SAVINGS_CODE_TEMPLATE, gp.SavingsCodeTemplate));
generalParameters.Add(new Setting(OGeneralSettings.VAT_RATE, gp.VatRate.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.WEEKENDDAY1, gp.WeekEndDay1.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.WEEKENDDAY2, gp.WeekEndDay2.ToString()));
generalParameters.Add(new Setting(OGeneralSettings.INTEREST_RATE_DECIMAL_PLACES, Convert.ToString(gp.InterestRateDecimalPlaces)));
generalParameters.Add(new Setting(OGeneralSettings.STOP_WRITEOFF_PENALTY, Convert.ToString(gp.IsStopWriteOffPenalty.ToString())));
generalParameters.Add(new Setting(OGeneralSettings.MODIFY_ENTRY_FEE, Convert.ToString(gp.ModifyEntryFee.ToString())));
// Provisioning Rules
SettingGroup provisioningRules = new SettingGroup(PROVISIONING_RULES);
settings.Add(provisioningRules);
foreach (ProvisioningRate prate in ProvisionTable.GetInstance(_user).ProvisioningRates)
{
provisioningRules.Add(new Setting(prate.Number.ToString(), String.Format("{0}/{1}/{2}/{3}/{4}",
prate.NbOfDaysMin,
prate.NbOfDaysMax,
prate.ProvisioningValue,
prate.ProvisioningInterest,
prate.ProvisioningPenalty)));
}
// Public Holidays
SettingGroup publicHolidays = new SettingGroup(PUBLIC_HOLIDAYS);
settings.Add(publicHolidays);
foreach (DateTime entry in ServicesProvider.GetInstance().GetNonWorkingDate().PublicHolidays.Keys)
{
publicHolidays.Add(new Setting(ServicesProvider.GetInstance().GetNonWorkingDate().PublicHolidays[entry], (entry).ToString("dd/MM/yyyy")));
}
//if (pIncludePackages)
//{
// // Packages
// SettingGroup packages = new SettingGroup(PACKAGES);
// settings.Add(packages);
// List<LoanProduct> allPackages = new ProductServices(_user).FindAllPackages(false, OClientTypes.Both);
// foreach (LoanProduct package in allPackages)
// {
// Setting p = new Setting(package.Name, null);
// //p.Package = package;
// packages.Add(p);
// }
//}
return(settings);
}
private static OCurrency _LoanLossReserveBalance(Loan pCredit, ProvisionTable pProvisionningTable, int writeOffDays)
{
OCurrency theoricBalance = 0;
if (!pCredit.Disbursed) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return theoricBalance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate >= TimeProvider.Today)
break;
theoricBalance += (installment.InterestsRepayment - installment.PaidInterests);
}
theoricBalance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
theoricBalance += pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(pastDueDays).Rate);
OCurrency realBalance = 0;
return theoricBalance > realBalance ? theoricBalance : realBalance;
}
public static OCurrency GetStockBalance(Loan pCredit, ApplicationSettings settings, ProvisionTable pProvisionningTable, string pAccountNumber)
{
OCurrency balance = 0;
return balance;
}
public void DecliningRate_ExoticInstallments_NoGracePeriod_RoundingCapital_RoundingInterest()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, null),
new ExoticInstallment(2, 0.1, null),
new ExoticInstallment(3, 0.1, null),
new ExoticInstallment(4, 0.1, null),
new ExoticInstallment(5, 0.1, null),
new ExoticInstallment(6, 0.5, null)
},
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 954, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 28.62m, 95.40m, 954);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 25.76m, 95.40m, 858.6m);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 22.90m, 95.40m, 763.2m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 20.03m, 95.40m, 667.8m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 17.17m, 95.40m, 572.4m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14.31m, 477, 477);
}
public ProvisionEvent GetProvisionEvent(DateTime dateTime, ProvisionTable provisionTable)
{
int lateDays = CalculatePastDueSinceLastRepayment(dateTime);
OCurrency rate = 0;
foreach (ProvisioningRate provisioningRate in provisionTable.ProvisioningRates)
{
if(lateDays >= provisioningRate.NbOfDaysMin && lateDays <= provisioningRate.NbOfDaysMax)
{
rate = (decimal)provisioningRate.Rate;
}
if(Rescheduled && provisioningRate.NbOfDaysMin < 0 && provisioningRate.NbOfDaysMax < 0)
{
rate = (decimal)provisioningRate.Rate;
}
}
ProvisionEvent provisionEvent = new ProvisionEvent
{
Id = 0,
Code = "LLPE",
Amount = GetOlb() * rate,
OverdueDays = lateDays,
Rate = rate,
Date = TimeProvider.Now,
User = User.CurrentUser
};
if (provisionEvent.Amount > 0)
{
Events.Add(provisionEvent);
return provisionEvent;
}
return null;
}
public void FlatRate_ExoticInstallments_NoGracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, 0.1),
new ExoticInstallment(2, 0.1, 0.1),
new ExoticInstallment(3, 0.1, 0.1),
new ExoticInstallment(4, 0.1, 0.1),
new ExoticInstallment(5, 0.1, 0.1),
new ExoticInstallment(6, 0.5, 0.5)
},
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 18.00m, 100.00m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 18.00m, 100.00m, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 18.00m, 100.00m, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 18.00m, 100.00m, 700);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 18.00m, 100.00m, 600);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 90.00m, 500.00m, 500);
}
public void Flate_BadLoan_42dayslate_OnOLB_KeepNotExpectedInstallment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
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.OLB = 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 + 230 + 1000 * 0.003 * 42 = 386
Assert.AreEqual(386, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
}
private static Loan _SetContract(OLoanTypes pLoansType, bool pKeepExpectedInstallment, int pGracePeriod, int pMaturity, ExoticInstallmentsTable pExoticProduct)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = pLoansType,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = pKeepExpectedInstallment,
ExoticProduct = pExoticProduct,
AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB,
Currency = new Currency {
Id = 1, UseCents = true
},
RoundingType = ORoundingType.Approximate
};
return(new Loan(package, 1000, 0.03m, pMaturity, pGracePeriod, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
BadLoan = false,
AnticipatedTotalRepaymentPenalties = 0.01,
NonRepaymentPenalties = { InitialAmount = 0.003 }
});
}
public Loan(LoanProduct pAckage, OCurrency pAmount, double pInterestRate, int pNbOfInstallments, int pGracePeriod,
DateTime pStartDate, DayOfWeek? meetingDay, User pUser, ApplicationSettings pGeneralSettings,
NonWorkingDateSingleton pNwds, ProvisionTable pPt, ChartOfAccounts pChartOfAccounts)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nwdS = pNwds;
Product = pAckage;
NonRepaymentPenalties = new NonRepaymentPenalties();
_events = new EventStock();
_guarantors = new List<Guarantor>();
_collaterals = new List<ContractCollateral>();
_installmentType = pAckage.InstallmentType;
_amount = pAmount;
_interestRate = pInterestRate;
_nbOfInstallments = pNbOfInstallments;
GracePeriod = pGracePeriod;
CreationDate = pStartDate;
_startDate = pStartDate;
_firstInstallmentDate = CalculateInstallmentDate(pStartDate, 1);
if (meetingDay.HasValue)
_firstInstallmentDate = GetMeetingDate(_firstInstallmentDate, meetingDay);
_alignAlignDisbursementDate = CalculateAlignDisbursementDate(_firstInstallmentDate);
//with this constructor, installment are directly calculated when a new CreditContract is instanciated
_installmentList = CalculateInstallments(true);
EntryFeesPercentage = pAckage.EntryFeesPercentage;
}
public static OCurrency GetStockBalance(Loan pCredit, ApplicationSettings settings, ProvisionTable pProvisionningTable, string pAccountNumber)
{
OCurrency balance = 0;
return(balance);
}
public void FlateBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithInterestAndKeepNotExpectedInstallment()
{
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 = 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;
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 FlatRate_BiWeeklyInstallmentType_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32.14m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 30.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 30.00m, 250, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 30.00m, 250, 750);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 30.00m, 250, 500);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 3, 27), 30.00m, 250, 250);
}
public void DecliningBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithoutInterestAndKeepExpectedInstallment2()
{
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.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(""));
Assert.AreEqual(256.26m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
//30 + 218.35 + 188.35 * 1.003 * 14
//30+218.3546
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", false);
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(""));
Assert.AreEqual(254.57m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
}
public void DecliningRate_FixedInstallment_BiWeeklyInstallmentType_NoGracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(1000, _CheckInstalmentsTotalPrincipal(myContract).Value);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32.14m, 154.60m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 25.36m, 159.24m, 845.40m);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 20.58m, 164.02m, 686.16m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 15.66m, 168.93m, 522.14m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 10.60m, 173.99m, 353.21m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 3, 27), 5.38m, 179.22m, 179.22m);
}
public void RepayInstallments_DontCancelFees_InitialAmount_RepaymentTwicelyADay()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "10-days", 10, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
package.KeepExpectedInstallment = true;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 8000, 0.03333m, 5, 0, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
myContract.NonRepaymentPenalties = new NonRepaymentPenalties(0, 0, 0.0667, 0.01);
myContract.CalculateInstallments(true);
myContract.Disburse(new DateTime(2010, 1, 1), false, true);
myContract.Repay(1, new DateTime(2010, 1, 8), 30, false, true);
RepaymentEvent rPE = myContract.Repay(1, new DateTime(2010, 1, 11), 0, false, true);
Assert.AreEqual(rPE.Penalties, 0);
}
private static Loan _GetContract_6Month_Flat()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
Loan retval = new Loan(package, 1000, 0.02m, 6, 1, new DateTime(2006, 1, 3), new User()
, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
return(retval);
}
public void DecliningRate_FixedInstallment_NoGracePeriod_RoundingTypeEnd()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.End
};
Loan myContract = new Loan(package, 10000, 0.05m, 6, 0, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2010, 2, 1), 500, 1470, 10000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2010, 3, 1), 427, 1543, 8530);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2010, 4, 1), 349, 1621, 6987);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2010, 5, 3), 268, 1702, 5366);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2010, 6, 1), 183, 1787, 3664);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2010, 7, 1), 94, 1877, 1877);
}
protected override void SetUp()
{
base.SetUp();
_loanManager = (LoanManager)container["LoanManager"];
_loan = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
ClientType = OClientTypes.Person,
LoanOfficer = new User {
Id = 1
},
BranchCode = "DU",
CreationDate = DateTime.Today.AddDays(-1),
StartDate = DateTime.Today,
FirstInstallmentDate = DateTime.Today.AddDays(1),
AlignDisbursementDate = DateTime.Today,
CloseDate = DateTime.Today.AddDays(1),
Product = new LoanProduct {
Id = 1, Currency = new Currency {
Id = 1
}
},
Amount = 1000m,
InterestRate = 3,
InstallmentType = new InstallmentType {
Id = 1
},
NbOfInstallments = 2,
FundingLine = new FundingLine {
Id = 1
},
InstallmentList = new List <Installment> {
_installment1, _installment2
},
EconomicActivityId = 1,
EconomicActivity = new EconomicActivity {
Id = 1
},
GracePeriodOfLateFees = 0
};
}
public void DecliningRate_FixedInstallment_NoGracePeriodCheckRounding()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.02m, 6, 0, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2010, 2, 1), 20, 159, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2010, 3, 1), 17, 161, 841);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2010, 4, 1), 14, 165, 680);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2010, 5, 3), 10, 169, 515);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2010, 6, 1), 7, 171, 346);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2010, 7, 1), 4, 175, 175);
}
private static OCurrency _LiabilitiesLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.BadLoan)
return pCredit.GetPastDueDays(TimeProvider.Today) == 0
? pCredit.GetOlb()* Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate)
: 0;
return 0;
}
public void DecliningRate_FixedPrincipal_NoGracePeriod_BiWeekly()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.DecliningFixedPrincipal,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 5, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32, 200, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 24, 200, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 18, 200, 600);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 12, 200, 400);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 6, 200, 200);
}
private static Loan _SetContract(OLoanTypes pLoansType, NonRepaymentPenalties pNonRepaymentFees, bool pKeepExpectedInstallment, bool useCents)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = pLoansType,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = useCents
}
};
package.KeepExpectedInstallment = pKeepExpectedInstallment;
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 = false;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
myContract.NonRepaymentPenalties = pNonRepaymentFees;
return(myContract);
}
public void DecliningRate_ExoticInstallments_NoGracePeriod_RoundingValue()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, null),
new ExoticInstallment(2, 0.1, null),
new ExoticInstallment(3, 0.1, null),
new ExoticInstallment(4, 0.1, null),
new ExoticInstallment(5, 0.1, null),
new ExoticInstallment(6, 0.5, null)
},
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 950, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 28, 95, 950);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 26, 95, 855);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 23, 95, 760);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 20, 95, 665);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 17, 95, 570);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14, 475, 475);
}
public void FlatRate_MonthlyInstallmentType_ExoticInstallments_GracePeriod_RoundingInterest_RoundingCapital()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, 0.1),
new ExoticInstallment(2, 0.1, 0.1),
new ExoticInstallment(3, 0.1, 0.5),
new ExoticInstallment(4, 0.1, 0.1),
new ExoticInstallment(5, 0.1, 0.1),
new ExoticInstallment(6, 0.5, 0.1)
},
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 987, 0.03m, 8, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30, 0, 987);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 29, 0, 987);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 18, 99, 987);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 18, 98, 888);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 89, 99, 790);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 18, 99, 691);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 18, 98, 592);
_AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 17, 494, 494);
}
public void TestCalculateInstallmentDateWhenWeekEndDay2IsSunday()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 6, 30), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(new DateTime(2006, 7, 31), myContract.CalculateInstallmentDate(myContract.StartDate, 1));
}
private static Loan _SetContract(OAnticipatedRepaymentPenaltiesBases pAnticipatedRepaymentBase, double pAnticipated, bool pKeepExpectedInstallment)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = pKeepExpectedInstallment,
AnticipatedTotalRepaymentPenaltiesBase = pAnticipatedRepaymentBase,
Currency = new Currency {
Id = 1
}
};
return(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 = false,
AnticipatedTotalRepaymentPenalties = pAnticipated,
NonRepaymentPenalties = { InitialAmount = 0.003 }
});
}
public void DecliningRate_FixedInstallment_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 3, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 30, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 30, 324, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 20, 333, 676);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 10, 343, 343);
}
private static OCurrency _ExpensesLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
return(pCredit.Disbursed && !pCredit.AllInstallmentsRepaid && !pCredit.WrittenOff
? pCredit.Amount * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate)
: 0);
}
public void TestCalculateMaximumAmountWithFlateBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithoutInterestAndKeepExpectedInstallment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
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.AnticipatedTotalRepaymentPenalties = 0.01;
CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);
this.repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, false);
//30 + 230 + 200 * 0.003 * 12 = 268.4 => 267
// Assert.AreEqual(267, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
Assert.AreEqual(267, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 0));
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
//30 + 230 + 200 * 0.003 * 14 = 268.4 => 268
Assert.AreEqual(268, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
}
public void FlatRate_ExoticInstallments_GracePeriod_RoundingInterest()
{
LoanProduct package = new LoanProduct {
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, 0.1),
new ExoticInstallment(2, 0.1, 0.1),
new ExoticInstallment(3, 0.1, 0.1),
new ExoticInstallment(4, 0.1, 0.1),
new ExoticInstallment(5, 0.1, 0.1),
new ExoticInstallment(6, 0.5, 0.5)
},
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 900, 0.026m, 9, 3, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 23.4m, 0, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 23.4m, 0, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 23.4m, 0, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 14.04m, 90.00m, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 14.04m, 90.00m, 810);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14.04m, 90.00m, 720);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 14.04m, 90.00m, 630);
_AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 14.04m, 90.00m, 540);
_AssertSpecifiedInstallment(myContract.GetInstallment(8), 9, new DateTime(2006, 10, 2), 70.20m, 450.00m, 450);
}
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 FlatRate_MonthlyInstallmentType_NoGracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(6, myContract.InstallmentList.Count);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30.00m, 166.67m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 166.67m, 833.33m);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 30.00m, 166.67m, 666.66m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 30.00m, 166.66m, 499.99m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 30.00m, 166.67m, 333.33m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 30.00m, 166.66m, 166.66m);
}
public void TestCalculateMaximumAmountWithFlateBadLoanWith42DaysLateWhenNonRepaymentFeesBaseOnInitialAmountAndKeepExpectedInstallmentAndCancelFeesSetToFalse()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
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 = 0.0123;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
//42 days late
CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);
this.repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
//30 + 230 + 1000 * 0.0123 * 42 = 776.6 => 777
// Assert.AreEqual(777, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
Assert.AreEqual(777, Math.Round(this.repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 0));
}
public void DecliningRate_FixedInstallment_NoGracePeriod_RoundingProblem()
{
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
};
Loan myContract = new Loan(package, 100, 0.01m, 10, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 1, 9.56m, 100, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 0.9m, 9.66m, 90.44m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 0.81m, 9.75m, 80.78m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 0.71m, 9.85m, 71.03m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 0.61m, 9.95m, 61.18m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 0.51m, 10.05m, 51.23m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 0.41m, 10.14m, 41.18m, 10.55m);
_AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 0.31m, 10.24m, 31.04m, 10.55m);
_AssertSpecifiedInstallment(myContract.GetInstallment(8), 9, new DateTime(2006, 10, 2), 0.21m, 10.35m, 20.8m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(9), 10, new DateTime(2006, 11, 1), 0.1m, 10.45m, 10.45m, 10.55m);
}
/// <summary>
/// Instancy a new CreditContract. Use it if installments need'nt calculate
/// </summary>
/// <param name="pUser"></param>
/// <param name="pGeneralSettings"></param>
/// <param name="pNwds"></param>
/// <param name="pPt"></param>
/// <param name="pChartOfAccounts"></param>
public Loan(User pUser, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNwds, ProvisionTable pPt, ChartOfAccounts pChartOfAccounts)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nwdS = pNwds;
NonRepaymentPenalties = new NonRepaymentPenalties();
_installmentList = new List<Installment>();
_guarantors = new List<Guarantor>();
_collaterals = new List<ContractCollateral>();
_events = new EventStock();
EntryFeesPercentage = true;
}
