public void TestFixtureSetUp()
{
provisionTable = ProvisionTable.GetInstance(new User());
provisionTable.ProvisioningRates = new List<ProvisioningRate>();
provisionTable.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 0, ProvisioningValue = 2, ProvisioningInterest=2, ProvisioningPenalty=2 });
provisionTable.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 1, NbOfDaysMax = 30, ProvisioningValue = 10, ProvisioningInterest = 10, ProvisioningPenalty = 10 });
provisionTable.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 31, NbOfDaysMax = 60, ProvisioningValue = 25, ProvisioningInterest = 25, ProvisioningPenalty = 25 });
}
private static OCurrency _LoanLossReserveBalance(Loan pCredit,ProvisionTable pProvisionningTable, int writeOffDays)
{
OCurrency balance = 0;
if (!pCredit.Disbursed) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return balance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate >= TimeProvider.Today)
break;
balance += (installment.InterestsRepayment - installment.PaidInterests);
}
balance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
balance += pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(pastDueDays).Rate);
OCurrency realBalance = 0;
return balance > realBalance ? balance : realBalance;
}
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;
}
public void TestFixtureSetUp()
{
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
nonWorkingDateHelper.WeekEndDay1 = 6;
nonWorkingDateHelper.WeekEndDay2 = 0;
nonWorkingDateHelper.PublicHolidays = new Dictionary<DateTime, string>();
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,1,1),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,8),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,21),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,22),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,5,1),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,5,9),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,6,27),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,9,9),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,11,6),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,11,26),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,1,6),"Christmas");
_provisionningTable = ProvisionTable.GetInstance(new User());
_provisionningTable.ProvisioningRates = new List<ProvisioningRate>();
_provisionningTable.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 0, ProvisioningValue = 0.02 });
_provisionningTable.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 1, NbOfDaysMax = 30, ProvisioningValue = 0.1 });
_provisionningTable.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 31, NbOfDaysMax = 60, ProvisioningValue = 0.25 });
_provisionningTable.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 61, NbOfDaysMax = 90, ProvisioningValue = 0.5 });
_provisionningTable.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 91, NbOfDaysMax = 180, ProvisioningValue = 0.75 });
_provisionningTable.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 181, NbOfDaysMax = 365, ProvisioningValue = 1 });
_provisionningTable.Add(new ProvisioningRate { Number = 7, NbOfDaysMin = 366, NbOfDaysMax = 99999, ProvisioningValue = 1 });
dataParam = ApplicationSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
dataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
dataParam.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
dataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
dataParam.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
dataParam.AddParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
dataParam.AddParameter(OGeneralSettings.BAD_LOAN_DAYS, "180");
dataParam.AddParameter(OGeneralSettings.INTEREST_RATE_DECIMAL_PLACES, 2);
dataParam.AddParameter(OGeneralSettings.USE_DAILY_ACCRUAL_OF_PENALTY, false);
}
public void TestFixtureSetUp()
{
_user = new User();
_provisions = ProvisionTable.GetInstance(_user);
_provisions.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 30, Rate = 10 });
_provisions.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 31, NbOfDaysMax = 60, Rate = 25 });
_provisions.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 61, NbOfDaysMax = 90, Rate = 50 });
_provisions.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 91, NbOfDaysMax = 180, Rate = 75 });
_provisions.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 181, NbOfDaysMax = 365, Rate = 100 });
_provisions.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 366, NbOfDaysMax = 99999, Rate = 100 });
_daysOff = NonWorkingDateSingleton.GetInstance("");
_daysOff.WeekEndDay1 = 6;
_daysOff.WeekEndDay2 = 0;
ApplicationSettings settings = ApplicationSettings.GetInstance("");
settings.DeleteAllParameters();
settings.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
settings.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, false);
settings.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
settings.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
settings.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
}
public Loan(LoanProduct pAckage, OCurrency pAmount, decimal 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);
CalculateStartDates();
}
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,
Description = Code,
ContracId = Id
};
//check if we have a event for that date
ProvisionEvent p = Events.GetProvisionEvents().Find(item => item.Date == provisionEvent.Date.Date
&& item.Amount == provisionEvent.Amount
&& item.OverdueDays == provisionEvent.OverdueDays);
if (provisionEvent.Amount > 0 && p == null)
{
Events.Add(provisionEvent);
return provisionEvent;
}
return null;
}
/// <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();
}
public void TestFixtureSetUp()
{
_generalSettings = ApplicationSettings.GetInstance("");
_generalSettings.DeleteAllParameters();
_generalSettings.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
_generalSettings.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
_generalSettings.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
_generalSettings.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
_generalSettings.AddParameter(OGeneralSettings.BAD_LOAN_DAYS, "180");
_generalSettings.AddParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
_generalSettings.AddParameter(OGeneralSettings.USE_DAILY_ACCRUAL_OF_PENALTY, false);
_provisionningTable = ProvisionTable.GetInstance(new User());
_provisionningTable.ProvisioningRates = new List<ProvisioningRate>();
_provisionningTable.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 30, ProvisioningValue = 10 });
_provisionningTable.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 31, NbOfDaysMax = 60, ProvisioningValue = 25 });
_provisionningTable.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 61, NbOfDaysMax = 90, ProvisioningValue = 50 });
_provisionningTable.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 91, NbOfDaysMax = 180, ProvisioningValue = 75 });
_provisionningTable.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 181, NbOfDaysMax = 365, ProvisioningValue = 100 });
_provisionningTable.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 366, NbOfDaysMax = 99999, ProvisioningValue = 100 });
_nonWorkingDate = NonWorkingDateSingleton.GetInstance("");
_nonWorkingDate.PublicHolidays = new Dictionary<DateTime, string>();
_nonWorkingDate.WeekEndDay1 = 0;
_nonWorkingDate.WeekEndDay2 = 1;
}
public static OCurrency GetStockBalance(Loan pCredit, ApplicationSettings settings, ProvisionTable pProvisionningTable, string pAccountNumber)
{
OCurrency balance = 0;
return balance;
}
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;
}
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 _LiabilitiesLoanLossBalance(Loan pCredit,ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.BadLoan)
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0)
return pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
else
return 0;
else
return 0;
}
public Guarantee(User pUser, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNwds, ProvisionTable pPt)
{
}
