private OCurrency CalculateInterestRepayment(TrancheOptions to, OCurrency remainsInterestAmount, OCurrency remainingOlb, OCurrency olb)
{
OCurrency result = 0;
if (to.ApplyNewInterestOnOLB)
{
result = (olb + remainingOlb) * to.InterestRate + remainsInterestAmount;
}
else
{
if (_currentLoan.UseCents)
{
OCurrency previousCapitalRepayment =
Math.Round(remainingOlb.Value * _currentLoan.GivenTranches[to.Number - 1].InterestRate.Value,
2, MidpointRounding.AwayFromZero);
OCurrency newCapitalRepayment = Math.Round(olb.Value * to.InterestRate, 2,
MidpointRounding.AwayFromZero);
result = newCapitalRepayment + previousCapitalRepayment + remainsInterestAmount;
}
else
{
OCurrency previousCapitalRepayment =
Math.Round(remainingOlb.Value * _currentLoan.GivenTranches[to.Number - 1].InterestRate.Value,
0, MidpointRounding.AwayFromZero);
OCurrency newCapitalRepayment = Math.Round(olb.Value * to.InterestRate, 0,
MidpointRounding.AwayFromZero);
result = newCapitalRepayment + previousCapitalRepayment + remainsInterestAmount;
}
}
result = RoundResult(_currentLoan.UseCents, result);
return(result);
}
private OCurrency CalculateCapitalRepayment(TrancheOptions to, Installment installment)
{
OCurrency result = to.TrancheAmount / to.CountOfNewInstallments + _previousSchedule[installment.Number - 1].CapitalRepayment;
result = RoundResult(_currentLoan.UseCents, result);
return(result);
}
public void AddTranche_Annuity_ApplyNewInterest_Accrual()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
Loan loan = _GetLoan(_GetAnnuityProduct(), 1000, 0.025m, 4, new DateTime(2010, 5, 11));
loan.Disburse(new DateTime(2010, 5, 11), true, false);
loan.Repay(1, new DateTime(2010, 6, 11), 266m, false, true);
loan.Repay(2, new DateTime(2010, 7, 9), 266m, false, true);
Assert.AreEqual(loan.GetInstallment(0).IsRepaid, true);
Assert.AreEqual(loan.GetInstallment(1).IsRepaid, true);
TrancheOptions to = new TrancheOptions
{
TrancheDate = new DateTime(2010, 7, 15),
CountOfNewInstallments = 4,
TrancheAmount = 1000,
InterestRate = 0.03m,
ApplyNewInterestOnOLB = true
};
loan.AddTranche(loan.CalculateTranche(to));
_AssertInstallment(loan, 2, "2010-08-16", 46m, 362m);
_AssertInstallment(loan, 3, "2010-09-15", 35m, 372m);
_AssertInstallment(loan, 4, "2010-10-15", 23m, 384m);
_AssertInstallment(loan, 5, "2010-11-15", 12m, 394m);
}
private void CheckAndCorrectSumOfCapitalRepayments(TrancheOptions to, Installment installment)
{
if (installment.Number == _currentLoan.InstallmentList.Count)
{
OCurrency sumOfCapitalRepayment = 0;
foreach (Installment item in _currentLoan.InstallmentList)
{
sumOfCapitalRepayment += item.CapitalRepayment;
}
installment.CapitalRepayment += _currentLoan.Amount + to.TrancheAmount - sumOfCapitalRepayment;
}
}
private OCurrency CalculateInterestRepaymentWithNewInterest(TrancheOptions to, OCurrency remainsInterestAmount, OCurrency remainingOlb, OCurrency olb, OCurrency interestAmount)
{
OCurrency result;
if (to.ApplyNewInterestOnOLB)
{
result = (olb + remainingOlb) * to.InterestRate + remainsInterestAmount;
}
else
{
result = olb * to.InterestRate + interestAmount;
}
result = RoundResult(_currentLoan.UseCents, result);
return(result);
}
public TrancheEvent AddTranche(TrancheOptions trancheOptions)
{
_trancheEvent = new TrancheEvent
{
Date = trancheOptions.TrancheDate,
InterestRate = trancheOptions.InterestRate,
Amount = trancheOptions.TrancheAmount,
Maturity = trancheOptions.CountOfNewInstallments,
StartDate = trancheOptions.TrancheDate,
Number = _currentLoan.GivenTranches.Count
};
trancheOptions.Number = _trancheEvent.Number;
switch (_currentLoan.Product.LoanType)
{
case OLoanTypes.Flat:
{
AddFlatTranche(trancheOptions);
}
break;
case OLoanTypes.DecliningFixedPrincipal:
{
AddFixedPrincipalTranche(trancheOptions);
}
break;
case OLoanTypes.DecliningFixedInstallments:
{
AddFixedInstallmentTranche(trancheOptions);
}
break;
}
_currentLoan.CalculateStartDates();
return(_trancheEvent);
}
public TrancheEvent AddTranche(TrancheOptions trancheOptions)
{
_trancheEvent = new TrancheEvent
{
Date = trancheOptions.TrancheDate,
InterestRate = trancheOptions.InterestRate,
Amount = trancheOptions.TrancheAmount,
Maturity = trancheOptions.CountOfNewInstallments,
StartDate = trancheOptions.TrancheDate,
Number = _currentLoan.GivenTranches.Count
};
trancheOptions.Number = _trancheEvent.Number;
switch (_currentLoan.Product.LoanType)
{
case OLoanTypes.Flat:
{
AddFlatTranche(trancheOptions);
}
break;
case OLoanTypes.DecliningFixedPrincipal:
{
AddFixedPrincipalTranche(trancheOptions);
}
break;
case OLoanTypes.DecliningFixedInstallments:
{
AddFixedInstallmentTranche(trancheOptions);
}
break;
}
_currentLoan.CalculateStartDates();
return _trancheEvent;
}
public Loan AddTranche(Loan pContract, IClient pClient, DateTime pDate, int pNbOfMaturity, int pTrancheAmount, bool pApplyNewInterestOnOLB, decimal pNewInterestRate)
{
using (SqlConnection conn = _loanManager.GetConnection())
using (SqlTransaction sqlTransaction = conn.BeginTransaction())
{
try
{
CheckTranche(pDate, pContract, pTrancheAmount);
Loan copyOfLoan = pContract.Copy();
TrancheOptions to = new TrancheOptions
{
TrancheDate = pDate,
CountOfNewInstallments = pNbOfMaturity,
TrancheAmount = pTrancheAmount,
InterestRate = pNewInterestRate,
ApplyNewInterestOnOLB = pApplyNewInterestOnOLB
};
TrancheEvent trancheEvent = pContract.CalculateTranche(to);
trancheEvent.User = _user;
//insert into table TrancheEvent
_ePs.FireEvent(trancheEvent, pContract, sqlTransaction);
ArchiveInstallments(copyOfLoan, trancheEvent, sqlTransaction);
//delete all the old installments of the table Installments
_instalmentManager.DeleteInstallments(pContract.Id, sqlTransaction);
//insert all the new installments in the table Installments
_instalmentManager.AddInstallments(pContract.InstallmentList, pContract.Id, sqlTransaction);
//Activate the contract if it's closed because of new tranch
if (pContract.Closed)
{
pContract.ContractStatus = OContractStatus.Active;
pContract.Closed = false;
_loanManager.UpdateLoan(pContract, sqlTransaction);
}
//in the feature might be combine UpdateLoan + UpdateLoanWithinTranche
_loanManager.UpdateLoanWithinTranche(to.InterestRate, pContract.NbOfInstallments, pContract,
sqlTransaction);
pContract.Events.Add(trancheEvent);
pContract.GivenTranches.Add(trancheEvent);
sqlTransaction.Commit();
SetClientStatus(pContract, pClient);
return pContract;
}
catch (Exception ex)
{
if (sqlTransaction != null)
sqlTransaction.Rollback();
throw ex;
}
}
}
private void AddFixedInstallmentTranche(TrancheOptions to)
{
OCurrency remainsAmount = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
remainsAmount += installment.CapitalRepayment - installment.PaidCapital;
}
}
OCurrency remainsInterestAmount = _generalSettings.AccountingProcesses == OAccountingProcesses.Accrual
? GenerateEvents.Accrual.CalculateRemainingInterests(_currentLoan, to.TrancheDate)
: GenerateEvents.Cash.CalculateRemainingInterests(_currentLoan, to.TrancheDate);
remainsInterestAmount = _currentLoan.UseCents ? remainsInterestAmount : Math.Round(remainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
TrancheExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
OCurrency olb;
OCurrency newAmountVpm;
OCurrency priviousAmountVpm = 0;
if (to.ApplyNewInterestOnOLB)
{
olb = to.TrancheAmount + remainsAmount;
newAmountVpm = _currentLoan.UseCents
? _currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate)
: Math.Round(_currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate).Value, 0, MidpointRounding.AwayFromZero);
remainsAmount = 0;
}
else
{
olb = to.TrancheAmount;
newAmountVpm = _currentLoan.UseCents
? _currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate)
: Math.Round(_currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate).Value, 0,
MidpointRounding.AwayFromZero);
priviousAmountVpm = _currentLoan.UseCents
? _currentLoan.VPM(remainsAmount, to.CountOfNewInstallments,
(_currentLoan.GivenTranches[to.Number - 1].InterestRate.Value))
: Math.Round((_currentLoan.VPM(remainsAmount, to.CountOfNewInstallments,
(_currentLoan.GivenTranches[to.Number - 1].InterestRate.Value))).Value, 0,
MidpointRounding.AwayFromZero);
}
OCurrency _OLB = olb + remainsAmount;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.InterestsRepayment = _currentLoan.UseCents
? Math.Round(olb.Value * to.InterestRate, 2, MidpointRounding.AwayFromZero)
: Math.Round(olb.Value * to.InterestRate, 0, MidpointRounding.AwayFromZero);
OCurrency interestAmountForPriviousOlb = _currentLoan.UseCents
? remainsAmount * _currentLoan.GivenTranches[to.Number - 1].InterestRate
: Math.Round((remainsAmount * _currentLoan.GivenTranches[to.Number - 1].InterestRate).Value, 0, MidpointRounding.AwayFromZero);
installment.CapitalRepayment = newAmountVpm.Value - installment.InterestsRepayment.Value;
installment.InterestsRepayment += _currentLoan.UseCents
? Math.Round(interestAmountForPriviousOlb.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(interestAmountForPriviousOlb.Value, 0, MidpointRounding.AwayFromZero);
olb -= installment.CapitalRepayment;
installment.CapitalRepayment = _currentLoan.UseCents
? Math.Round(installment.CapitalRepayment.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(installment.CapitalRepayment.Value, 0, MidpointRounding.AwayFromZero);
OCurrency priviousCapital = priviousAmountVpm - interestAmountForPriviousOlb;
installment.CapitalRepayment += _currentLoan.UseCents
? Math.Round(priviousCapital.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(priviousCapital.Value, 0, MidpointRounding.AwayFromZero);
remainsAmount -= priviousCapital;
installment.InterestsRepayment += _currentLoan.UseCents
? Math.Round(remainsInterestAmount.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(remainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
remainsInterestAmount = 0;
installment.PaidCapital = 0;
installment.PaidInterests = 0;
}
}
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment +=
_currentLoan.UseCents
? Math.Round(olb.Value + remainsAmount.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(olb.Value + remainsAmount.Value, 0, MidpointRounding.AwayFromZero);
//OLB calculation
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.OLB = _OLB;
_OLB -= installment.CapitalRepayment;
}
}
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment +=
_currentLoan.UseCents
? Math.Round(_OLB.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(_OLB.Value, 0, MidpointRounding.AwayFromZero);
}
private OCurrency RecalculateInterestForFirstNotPaidInstallment(Installment installment, OCurrency remainingOlb, TrancheOptions to)
{
OCurrency newInterest = 0;
if (installment.ExpectedDate > _previousSchedule[installment.Number - 1].ExpectedDate)
{
if (installment.Number == 1)
{
int daysBeforeTranche = (to.TrancheDate - _currentLoan.StartDate).Days;
int oldQuantityOfDays =
(_previousSchedule[installment.Number - 1].ExpectedDate - _currentLoan.StartDate).Days;
newInterest = remainingOlb * _currentLoan.GivenTranches[to.Number - 1].InterestRate / oldQuantityOfDays * daysBeforeTranche
+ _previousSchedule[installment.Number - 1].InterestsRepayment;
}
else
{
int daysBeforeTranche =
(to.TrancheDate - _previousSchedule[installment.Number - 2].ExpectedDate).Days;
int oldQuantityOfDays =
(_previousSchedule[installment.Number - 1].ExpectedDate -
_previousSchedule[installment.Number - 2].ExpectedDate).Days;
newInterest = remainingOlb * _currentLoan.GivenTranches[to.Number - 1].InterestRate / oldQuantityOfDays * daysBeforeTranche
+ _previousSchedule[installment.Number - 1].InterestsRepayment;
}
}
else
{
newInterest = remainingOlb * _currentLoan.GivenTranches[to.Number - 1].InterestRate;
}
newInterest = RoundResult(_currentLoan.UseCents, newInterest);
return(newInterest);
}
private void AddFlatTranche(TrancheOptions to)
{
OCurrency remainsInterestAmount = 0;
OCurrency remainsAmount = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
if (to.TrancheDate > _currentLoan.InstallmentList[installment.Number - 2].ExpectedDate)
{
remainsInterestAmount += installment.InterestsRepayment *
(to.TrancheDate - _currentLoan.InstallmentList[installment.Number - 2].ExpectedDate).Days /
_currentLoan.NumberOfDaysInTheInstallment(installment.Number, to.TrancheDate);
}
remainsAmount += installment.CapitalRepayment - installment.PaidCapital;
}
}
OCurrency interestAmount = !to.ApplyNewInterestOnOLB
? to.TrancheAmount * to.InterestRate +
remainsInterestAmount / to.CountOfNewInstallments
: (to.TrancheAmount + remainsAmount) * to.InterestRate +
remainsInterestAmount / to.CountOfNewInstallments;
OCurrency generalInterestAmount = interestAmount;
interestAmount = _currentLoan.UseCents ? interestAmount : Math.Round(interestAmount.Value, 0);
OCurrency olb = to.TrancheAmount + remainsAmount;
TrancheExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.CapitalRepayment = _currentLoan.UseCents
? (to.TrancheAmount + remainsAmount) /
to.CountOfNewInstallments
: Math.Round(
((to.TrancheAmount + remainsAmount) /
to.CountOfNewInstallments).Value, 0);
installment.InterestsRepayment = interestAmount;
installment.PaidCapital = 0;
installment.PaidInterests = 0;
installment.OLB = olb;
olb -= installment.CapitalRepayment;
}
}
OCurrency lastInstallmentInterest = _currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].InterestsRepayment +
generalInterestAmount * to.CountOfNewInstallments - interestAmount * to.CountOfNewInstallments;
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].InterestsRepayment = _currentLoan.UseCents
? lastInstallmentInterest
: Math.Round(
lastInstallmentInterest
.Value, 0);
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment =
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment + olb;
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
}
private OCurrency CalculateInterestRepaymentWithNewInterest(TrancheOptions to, OCurrency remainsInterestAmount, OCurrency remainingOlb, OCurrency olb, OCurrency interestAmount)
{
OCurrency result;
if (to.ApplyNewInterestOnOLB)
result= (olb + remainingOlb)*to.InterestRate + remainsInterestAmount;
else
result = olb * to.InterestRate + interestAmount;
result = RoundResult(_currentLoan.UseCents, result);
return result;
}
public void AddTranche_FixedPrincipal_ApplyNewInterest_Cash()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
Loan loan = _GetLoan(_GetFixedPrincipalProduct(), 1000, 0.025m, 4, new DateTime(2010, 5, 11));
loan.Disburse(new DateTime(2010, 5, 11), true, false);
loan.Repay(1, new DateTime(2010, 6, 11), 275m, false, true);
loan.Repay(2, new DateTime(2010, 7, 9), 269m, false, true);
Assert.AreEqual(loan.GetInstallment(0).IsRepaid, true);
Assert.AreEqual(loan.GetInstallment(1).IsRepaid, true);
TrancheOptions to = new TrancheOptions
{
TrancheDate = new DateTime(2010, 7, 15),
CountOfNewInstallments = 4,
TrancheAmount = 1000,
InterestRate = 0.03m,
ApplyNewInterestOnOLB = true
};
loan.AddTranche(loan.CalculateTranche(to));
_AssertInstallment(loan, 2, "2010-08-16", 45m, 500m);
_AssertInstallment(loan, 3, "2010-09-15", 30m, 500m);
_AssertInstallment(loan, 4, "2010-10-15", 15m, 250m);
_AssertInstallment(loan, 5, "2010-11-15", 8m, 250m);
}
private void AddFixedPrincipalTranche(TrancheOptions to)
{
OCurrency remainsAmount = 0;
// List<Installment> _previousSchedule = new List<Installment>();
int numberRemainInstallment = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
// previousSchedule.Add(installment);
if (!installment.IsRepaid)
{
remainsAmount += installment.CapitalRepayment - installment.PaidCapital;
numberRemainInstallment++;
}
}
OCurrency olb = to.TrancheAmount;
OCurrency remainsInterestAmount = _generalSettings.AccountingProcesses == OAccountingProcesses.Accrual
? GenerateEvents.Accrual.CalculateRemainingInterests(_currentLoan, to.TrancheDate)
: GenerateEvents.Cash.CalculateRemainingInterests(_currentLoan, to.TrancheDate);
remainsInterestAmount = _currentLoan.UseCents ? remainsInterestAmount : Math.Round(remainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
TrancheExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
OCurrency remainingOlb = remainsAmount;
bool itIsFirstNotRepaidInstallment=true;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (installment.IsRepaid) continue;
if (_previousSchedule.Count >= installment.Number)
{
if (!_previousSchedule[installment.Number - 1].IsRepaid)
{
installment.CapitalRepayment = CalculateCapitalRepayment(to, installment);
if (itIsFirstNotRepaidInstallment)
{
OCurrency interestAmount = RecalculateInterestForFirstNotPaidInstallment(installment, remainingOlb, to);
installment.InterestsRepayment =
CalculateInterestRepaymentWithNewInterest(to, remainsInterestAmount, remainingOlb, olb, interestAmount);
itIsFirstNotRepaidInstallment = false;
}
else
{
installment.InterestsRepayment = CalculateInterestRepayment(to, remainsInterestAmount, remainingOlb, olb);
}
installment.OLB = olb + remainingOlb;
if (installment.Number!=_previousSchedule.Count)
remainingOlb = _previousSchedule[installment.Number].OLB;
if (_currentLoan.UseCents)
olb -= Math.Round(to.TrancheAmount.Value / to.CountOfNewInstallments, 2, MidpointRounding.AwayFromZero);
else
{
olb -= Math.Round(to.TrancheAmount.Value/to.CountOfNewInstallments, 0, MidpointRounding.AwayFromZero);
}
installment.PaidCapital = 0;
installment.PaidInterests = 0;
remainsInterestAmount = 0;
}
}
else
{
installment.CapitalRepayment = _currentLoan.UseCents
? Math.Round(to.TrancheAmount.Value / to.CountOfNewInstallments, 2, MidpointRounding.AwayFromZero)
: Math.Round(
(to.TrancheAmount / to.CountOfNewInstallments).Value, 0,
MidpointRounding.AwayFromZero);
CheckAndCorrectSumOfCapitalRepayments(to, installment);
installment.InterestsRepayment = olb.Value * to.InterestRate;
installment.InterestsRepayment = _currentLoan.UseCents
? Math.Round(installment.InterestsRepayment.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(installment.InterestsRepayment.Value, 0,
MidpointRounding.AwayFromZero);
installment.PaidCapital = 0;
installment.PaidInterests = 0;
installment.OLB = olb;
olb -= installment.CapitalRepayment;
}
}
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
}
private void AddFixedPrincipalTranche(TrancheOptions to)
{
OCurrency remainsAmount = 0;
// List<Installment> _previousSchedule = new List<Installment>();
int numberRemainInstallment = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
// previousSchedule.Add(installment);
if (!installment.IsRepaid)
{
remainsAmount += installment.CapitalRepayment - installment.PaidCapital;
numberRemainInstallment++;
}
}
OCurrency olb = to.TrancheAmount;
OCurrency remainsInterestAmount = _generalSettings.AccountingProcesses == OAccountingProcesses.Accrual
? GenerateEvents.Accrual.CalculateRemainingInterests(_currentLoan, to.TrancheDate)
: GenerateEvents.Cash.CalculateRemainingInterests(_currentLoan, to.TrancheDate);
remainsInterestAmount = _currentLoan.UseCents ? remainsInterestAmount : Math.Round(remainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
TrancheExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
OCurrency remainingOlb = remainsAmount;
bool itIsFirstNotRepaidInstallment = true;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (installment.IsRepaid)
{
continue;
}
if (_previousSchedule.Count >= installment.Number)
{
if (!_previousSchedule[installment.Number - 1].IsRepaid)
{
installment.CapitalRepayment = CalculateCapitalRepayment(to, installment);
if (itIsFirstNotRepaidInstallment)
{
OCurrency interestAmount = RecalculateInterestForFirstNotPaidInstallment(installment, remainingOlb, to);
installment.InterestsRepayment =
CalculateInterestRepaymentWithNewInterest(to, remainsInterestAmount, remainingOlb, olb, interestAmount);
itIsFirstNotRepaidInstallment = false;
}
else
{
installment.InterestsRepayment = CalculateInterestRepayment(to, remainsInterestAmount, remainingOlb, olb);
}
installment.OLB = olb + remainingOlb;
if (installment.Number != _previousSchedule.Count)
{
remainingOlb = _previousSchedule[installment.Number].OLB;
}
if (_currentLoan.UseCents)
{
olb -= Math.Round(to.TrancheAmount.Value / to.CountOfNewInstallments, 2, MidpointRounding.AwayFromZero);
}
else
{
olb -= Math.Round(to.TrancheAmount.Value / to.CountOfNewInstallments, 0, MidpointRounding.AwayFromZero);
}
installment.PaidCapital = 0;
installment.PaidInterests = 0;
remainsInterestAmount = 0;
}
}
else
{
installment.CapitalRepayment = _currentLoan.UseCents
? Math.Round(to.TrancheAmount.Value / to.CountOfNewInstallments, 2, MidpointRounding.AwayFromZero)
: Math.Round(
(to.TrancheAmount / to.CountOfNewInstallments).Value, 0,
MidpointRounding.AwayFromZero);
CheckAndCorrectSumOfCapitalRepayments(to, installment);
installment.InterestsRepayment = olb.Value * to.InterestRate;
installment.InterestsRepayment = _currentLoan.UseCents
? Math.Round(installment.InterestsRepayment.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(installment.InterestsRepayment.Value, 0,
MidpointRounding.AwayFromZero);
installment.PaidCapital = 0;
installment.PaidInterests = 0;
installment.OLB = olb;
olb -= installment.CapitalRepayment;
}
}
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
}
private void AddFlatTranche(TrancheOptions to)
{
OCurrency remainsInterestAmount = 0;
OCurrency remainsAmount = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
if (to.TrancheDate > _currentLoan.InstallmentList[installment.Number - 2].ExpectedDate)
{
remainsInterestAmount += installment.InterestsRepayment *
(to.TrancheDate - _currentLoan.InstallmentList[installment.Number - 2].ExpectedDate).Days /
_currentLoan.NumberOfDaysInTheInstallment(installment.Number, to.TrancheDate);
}
remainsAmount += installment.CapitalRepayment - installment.PaidCapital;
}
}
OCurrency interestAmount = !to.ApplyNewInterestOnOLB
? to.TrancheAmount * to.InterestRate +
remainsInterestAmount / to.CountOfNewInstallments
: (to.TrancheAmount + remainsAmount) * to.InterestRate +
remainsInterestAmount / to.CountOfNewInstallments;
OCurrency generalInterestAmount = interestAmount;
interestAmount = _currentLoan.UseCents ? interestAmount : Math.Round(interestAmount.Value, 0);
OCurrency olb = to.TrancheAmount + remainsAmount;
TrancheExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.CapitalRepayment = _currentLoan.UseCents
? (to.TrancheAmount + remainsAmount) /
to.CountOfNewInstallments
: Math.Round(
((to.TrancheAmount + remainsAmount) /
to.CountOfNewInstallments).Value, 0);
installment.InterestsRepayment = interestAmount;
installment.PaidCapital = 0;
installment.PaidInterests = 0;
installment.OLB = olb;
olb -= installment.CapitalRepayment;
}
}
OCurrency lastInstallmentInterest = _currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].InterestsRepayment +
generalInterestAmount * to.CountOfNewInstallments - interestAmount * to.CountOfNewInstallments;
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].InterestsRepayment = _currentLoan.UseCents
? lastInstallmentInterest
: Math.Round(
lastInstallmentInterest
.Value, 0);
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment =
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment + olb;
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
}
private OCurrency RecalculateInterestForFirstNotPaidInstallment(Installment installment, OCurrency remainingOlb, TrancheOptions to)
{
OCurrency newInterest=0;
if (installment.ExpectedDate>_previousSchedule[installment.Number-1].ExpectedDate)
{
if (installment.Number==1)
{
int daysBeforeTranche = (to.TrancheDate - _currentLoan.StartDate).Days;
int oldQuantityOfDays =
(_previousSchedule[installment.Number - 1].ExpectedDate - _currentLoan.StartDate).Days;
newInterest = remainingOlb * _currentLoan.GivenTranches[to.Number - 1].InterestRate / oldQuantityOfDays * daysBeforeTranche
+ _previousSchedule[installment.Number - 1].InterestsRepayment;
}
else
{
int daysBeforeTranche =
(to.TrancheDate - _previousSchedule[installment.Number - 2].ExpectedDate).Days;
int oldQuantityOfDays =
(_previousSchedule[installment.Number - 1].ExpectedDate -
_previousSchedule[installment.Number - 2].ExpectedDate).Days;
newInterest = remainingOlb * _currentLoan.GivenTranches[to.Number - 1].InterestRate / oldQuantityOfDays * daysBeforeTranche
+ _previousSchedule[installment.Number - 1].InterestsRepayment;
}
}
else
{
newInterest = remainingOlb*_currentLoan.GivenTranches[to.Number - 1].InterestRate;
}
newInterest = RoundResult(_currentLoan.UseCents, newInterest);
return newInterest;
}
private void CheckAndCorrectSumOfCapitalRepayments(TrancheOptions to, Installment installment)
{
if (installment.Number==_currentLoan.InstallmentList.Count)
{
OCurrency sumOfCapitalRepayment = 0;
foreach (Installment item in _currentLoan.InstallmentList)
{
sumOfCapitalRepayment += item.CapitalRepayment;
}
installment.CapitalRepayment += _currentLoan.Amount + to.TrancheAmount - sumOfCapitalRepayment;
}
}
public Loan FakeTranche(Loan pContract, DateTime pDate, int pNbOfMaturity, int pTrancheAmount, bool pApplyNewInterestOnOLB, decimal pNewInterestRate)
{
Loan fakeContract = pContract.Copy();
TrancheOptions to = new TrancheOptions
{
TrancheDate = pDate,
CountOfNewInstallments = pNbOfMaturity,
TrancheAmount = pTrancheAmount,
InterestRate = pNewInterestRate,
ApplyNewInterestOnOLB = pApplyNewInterestOnOLB
};
fakeContract.CalculateTranche(to);
return fakeContract;
}
public TrancheEvent CalculateTranche(TrancheOptions pTo)
{
var tranche = new Tranche(this, _generalSettings);
return tranche.AddTranche(pTo);
}
private OCurrency CalculateCapitalRepayment(TrancheOptions to, Installment installment)
{
OCurrency result = to.TrancheAmount/to.CountOfNewInstallments + _previousSchedule[installment.Number - 1].CapitalRepayment;
result = RoundResult(_currentLoan.UseCents, result);
return result;
}
private void AddFixedInstallmentTranche(TrancheOptions to)
{
OCurrency remainsAmount = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
remainsAmount += installment.CapitalRepayment - installment.PaidCapital;
}
}
OCurrency remainsInterestAmount = _generalSettings.AccountingProcesses == OAccountingProcesses.Accrual
? GenerateEvents.Accrual.CalculateRemainingInterests(_currentLoan, to.TrancheDate)
: GenerateEvents.Cash.CalculateRemainingInterests(_currentLoan, to.TrancheDate);
remainsInterestAmount = _currentLoan.UseCents ? remainsInterestAmount : Math.Round(remainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
TrancheExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
OCurrency olb;
OCurrency newAmountVpm;
OCurrency priviousAmountVpm = 0;
if (to.ApplyNewInterestOnOLB)
{
olb = to.TrancheAmount + remainsAmount;
newAmountVpm = _currentLoan.UseCents
? _currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate)
: Math.Round(_currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate).Value, 0, MidpointRounding.AwayFromZero);
remainsAmount = 0;
}
else
{
olb = to.TrancheAmount;
newAmountVpm = _currentLoan.UseCents
? _currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate)
: Math.Round(_currentLoan.VPM(olb, to.CountOfNewInstallments, to.InterestRate).Value, 0,
MidpointRounding.AwayFromZero);
priviousAmountVpm = _currentLoan.UseCents
? _currentLoan.VPM(remainsAmount, to.CountOfNewInstallments,
(_currentLoan.GivenTranches[to.Number - 1].InterestRate.Value))
: Math.Round((_currentLoan.VPM(remainsAmount, to.CountOfNewInstallments,
(_currentLoan.GivenTranches[to.Number - 1].InterestRate.Value))).Value, 0,
MidpointRounding.AwayFromZero);
}
OCurrency _OLB = olb + remainsAmount;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.InterestsRepayment = _currentLoan.UseCents
? Math.Round(olb.Value * to.InterestRate, 2, MidpointRounding.AwayFromZero)
: Math.Round(olb.Value * to.InterestRate, 0, MidpointRounding.AwayFromZero);
OCurrency interestAmountForPriviousOlb = _currentLoan.UseCents
? remainsAmount * _currentLoan.GivenTranches[to.Number - 1].InterestRate
: Math.Round((remainsAmount * _currentLoan.GivenTranches[to.Number - 1].InterestRate).Value, 0, MidpointRounding.AwayFromZero);
installment.CapitalRepayment = newAmountVpm.Value - installment.InterestsRepayment.Value;
installment.InterestsRepayment += _currentLoan.UseCents
? Math.Round(interestAmountForPriviousOlb.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(interestAmountForPriviousOlb.Value, 0, MidpointRounding.AwayFromZero);
olb -= installment.CapitalRepayment;
installment.CapitalRepayment = _currentLoan.UseCents
? Math.Round(installment.CapitalRepayment.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(installment.CapitalRepayment.Value, 0, MidpointRounding.AwayFromZero);
OCurrency priviousCapital = priviousAmountVpm - interestAmountForPriviousOlb;
installment.CapitalRepayment += _currentLoan.UseCents
? Math.Round(priviousCapital.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(priviousCapital.Value, 0, MidpointRounding.AwayFromZero);
remainsAmount -= priviousCapital;
installment.InterestsRepayment += _currentLoan.UseCents
? Math.Round(remainsInterestAmount.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(remainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
remainsInterestAmount = 0;
installment.PaidCapital = 0;
installment.PaidInterests = 0;
}
}
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment +=
_currentLoan.UseCents
? Math.Round(olb.Value + remainsAmount.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(olb.Value + remainsAmount.Value, 0, MidpointRounding.AwayFromZero);
//OLB calculation
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.OLB = _OLB;
_OLB -= installment.CapitalRepayment;
}
}
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment +=
_currentLoan.UseCents
? Math.Round(_OLB.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(_OLB.Value, 0, MidpointRounding.AwayFromZero);
}
private OCurrency CalculateInterestRepayment(TrancheOptions to, OCurrency remainsInterestAmount, OCurrency remainingOlb, OCurrency olb)
{
OCurrency result=0;
if (to.ApplyNewInterestOnOLB)
{
result =(olb + remainingOlb)*to.InterestRate + remainsInterestAmount;
}
else
{
if (_currentLoan.UseCents)
{
OCurrency previousCapitalRepayment =
Math.Round(remainingOlb.Value*_currentLoan.GivenTranches[to.Number - 1].InterestRate.Value,
2, MidpointRounding.AwayFromZero);
OCurrency newCapitalRepayment = Math.Round(olb.Value*to.InterestRate, 2,
MidpointRounding.AwayFromZero);
result = newCapitalRepayment + previousCapitalRepayment + remainsInterestAmount;
}
else
{
OCurrency previousCapitalRepayment =
Math.Round(remainingOlb.Value * _currentLoan.GivenTranches[to.Number - 1].InterestRate.Value,
0, MidpointRounding.AwayFromZero);
OCurrency newCapitalRepayment = Math.Round(olb.Value * to.InterestRate, 0,
MidpointRounding.AwayFromZero);
result = newCapitalRepayment + previousCapitalRepayment + remainsInterestAmount;
}
}
result = RoundResult(_currentLoan.UseCents, result);
return result;
}
