private LoanOffer GetLoanOffer(long id)
{
var cr = _cashRequests.Get(id);
var loan = _loanBuilder.CreateNewLoan(cr,
cr.ApprovedSum(),
cr.OfferStart.HasValue ? cr.OfferStart.Value : DateTime.UtcNow,
cr.ApprovedRepaymentPeriod.HasValue ? cr.ApprovedRepaymentPeriod.Value : 12);
var calc = new LoanRepaymentScheduleCalculator(loan, loan.Date, CurrentValues.Instance.AmountToChargeFrom);
calc.GetState();
try {
ServiceClient service = new ServiceClient();
long nlLoanId = service.Instance.GetLoanByOldID(loan.Id, cr.Customer.Id, 1).Value;
if (nlLoanId > 0)
{
var nlModel = service.Instance.GetLoanState(loan.Customer.Id, nlLoanId, loan.Date, 1, true).Value;
Log.InfoFormat("<<< NL_Compare: {0}\n===============loan: {1} >>>", nlModel, loan);
}
// ReSharper disable once CatchAllClause
} catch (Exception ex) {
Log.InfoFormat("<<< NL_Compare fail at: {0}, err: {1}", Environment.StackTrace, ex.Message);
}
var apr = loan.LoanAmount == 0 ? 0 : _aprCalc.Calculate(loan.LoanAmount, loan.Schedule, loan.SetupFee, loan.Date);
var loanOffer = LoanOffer.InitFromLoan(loan, apr, null, cr);
//TODO calculate offer
Log.DebugFormat("calculate offer for customer {0}", cr.Customer.Id);
return(loanOffer);
}
public JsonResult GetOffer(GetInstantOfferModel model, CompanyInfo company)
{
var context = ObjectFactory.GetInstance <IWorkplaceContext>();
var response = this.m_oServiceClient.Instance.BrokerInstantOffer(new BrokerInstantOfferRequest {
Created = DateTime.UtcNow,
BrokerId = context.UserId,
CompanyNameNumber = model.CompanyNameNumber,
AnnualTurnover = model.AnnualTurnover,
AnnualProfit = model.AnnualProfit,
NumOfEmployees = model.NumOfEmployees,
MainApplicantCreditScore = model.MainApplicantCreditScore,
IsHomeOwner = model.IsHomeOwner,
ExperianRefNum = company.BusRefNum,
ExperianCompanyName = company.BusName,
ExperianCompanyLegalStatus = company.LegalStatus,
ExperianCompanyPostcode = company.PostCode
});
var loanTypeRepository = ObjectFactory.GetInstance <LoanTypeRepository>();
var loanSourceRepository = ObjectFactory.GetInstance <LoanSourceRepository>();
var loanBuilder = ObjectFactory.GetInstance <LoanBuilder>();
var aprCalc = ObjectFactory.GetInstance <APRCalculator>();
var cr = new CashRequest {
ApprovedRepaymentPeriod = response.Response.RepaymentPeriod,
InterestRate = response.Response.InterestRate,
LoanType = loanTypeRepository.Get(response.Response.LoanTypeId),
LoanSource = loanSourceRepository.Get(response.Response.LoanSourceId),
ManagerApprovedSum = response.Response.ApprovedSum,
UseBrokerSetupFee = response.Response.UseBrokerSetupFee,
UseSetupFee = response.Response.UseSetupFee,
RepaymentPeriod = response.Response.RepaymentPeriod,
LoanLegals = new List <LoanLegal>()
};
var loan = loanBuilder.CreateNewLoan(cr,
cr.ApprovedSum(),
DateTime.UtcNow,
cr.ApprovedRepaymentPeriod.HasValue ? cr.ApprovedRepaymentPeriod.Value : 12);
var calc = new LoanRepaymentScheduleCalculator(loan, loan.Date, CurrentValues.Instance.AmountToChargeFrom);
calc.GetState();
try {
long nlLoanId = this.m_oServiceClient.Instance.GetLoanByOldID(loan.Id, loan.Customer.Id, context.UserId).Value;
if (nlLoanId > 0)
{
var nlModel = this.m_oServiceClient.Instance.GetLoanState(loan.Customer.Id, nlLoanId, loan.Date, context.UserId, true).Value;
ms_oLog.Info("<<< NL_Compare: {0}\n===============loan: {1} >>>", nlModel, loan);
}
// ReSharper disable once CatchAllClause
} catch (Exception ex) {
ms_oLog.Info("<<< NL_Compare fail at: {0}, err: {1}", Environment.StackTrace, ex.Message);
}
var apr = loan.LoanAmount == 0 ? 0 : aprCalc.Calculate(loan.LoanAmount, loan.Schedule, loan.SetupFee, loan.Date);
var loanOffer = LoanOffer.InitFromLoan(loan, apr, null, cr);
return(Json(loanOffer, JsonRequestBehavior.AllowGet));
} // GetOffer
} // Calculate
private LoanOffer CalculateLoan(int amount, int loanType, int repaymentPeriod)
{
if (!this.context.Customer.CreditSum.HasValue)
{
log.Warn(
"Cannot calculate loan ({0} of type {1} for {2} repayments) for customer {3}: credit sum is null.",
amount.ToString("C0"),
loanType,
repaymentPeriod,
this.context.Customer.Stringify()
);
return(null);
} // if
if (this.context.Customer.Status != Status.Approved)
{
log.Warn(
"Cannot calculate loan ({0} of type {1} for {2} repayments) for customer {3}: customer status is '{4}'.",
amount.ToString("C0"),
loanType,
repaymentPeriod,
this.context.Customer.Stringify(),
this.context.Customer.Status
);
return(null);
} // if
var creditSum = this.context.Customer.CreditSum.Value;
this.context.Customer.ValidateOfferDate();
if (amount < 0)
{
amount = (int)Math.Floor(creditSum);
}
if (amount > creditSum)
{
log.Warn(
"Attempt to calculate schedule for amount({0}) bigger than credit sum value({1})",
amount,
creditSum
);
amount = (int)Math.Floor(creditSum);
} // if
var cr = this.context.Customer.LastCashRequest;
if (this.context.Customer.IsLoanTypeSelectionAllowed == 1)
{
var oDBHelper = ObjectFactory.GetInstance <IDatabaseDataHelper>() as DatabaseDataHelper;
if (oDBHelper != null)
{
cr.LoanType = oDBHelper.LoanTypeRepository.Get(loanType);
}
} // if
if (cr.IsCustomerRepaymentPeriodSelectionAllowed)
{
cr.RepaymentPeriod = repaymentPeriod;
}
BuiltLoan builtLoan = this.loanBuilder.BuildLoan(cr, amount, DateTime.UtcNow, cr.RepaymentPeriod);
var schedule = builtLoan.Loan.Schedule;
var apr = this.aprCalc.Calculate(amount, schedule, builtLoan.Loan.SetupFee, builtLoan.Loan.Date);
var b = new AgreementsModelBuilder(this.loanLegalRepo);
var agreement = b.Build(this.context.Customer, amount, builtLoan.Loan);
// TODO calculate offer
log.Debug("calculate offer for customer {0}", this.context.Customer.Id);
var loanOffer = LoanOffer.InitFromLoan(builtLoan.Loan, apr, agreement, cr);
loanOffer.ManualSetupFeePercent = builtLoan.ManualSetupFeePercent;
loanOffer.BrokerFeePercent = builtLoan.BrokerFeePercent;
return(loanOffer);
} // CalculateLoan
