public void DecliningRate_FixedInstallment_NewWayOfCalcul()
{
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, 800, 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), 24, 124, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 20, 128, 676);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 16, 131, 548);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 13, 134, 417);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 8, 140, 283);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 4, 143, 143);
}
public void Get_Set_Credits()
{
_project.AddCredit(new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())), OClientTypes.Group);
Assert.AreEqual(1, _project.Credits.Count);
Assert.AreEqual(OClientTypes.Group, _project.Credits[0].ClientType);
}
private static Loan _SetContract(OLoanTypes pLoansType, NonRepaymentPenalties pNonRepaymentPenalties, bool pKeepExpectedInstallment)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = pLoansType,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = pKeepExpectedInstallment,
AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB,
Currency = new Currency {
Id = 1
},
RoundingType = ORoundingType.Approximate
};
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.AnticipatedTotalRepaymentPenalties = 0.01;
myContract.NonRepaymentPenalties = pNonRepaymentPenalties;
return(myContract);
}
public NonWorkingDateSingleton GetNonWorkingDate()
{
return(NonWorkingDateSingleton.GetInstance(CurrentUser.Md5));
}
public void _Flate_BadLoan_42dayslate_BasedOnOverDueWithoutInterest_KeepExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
KeepExpectedInstallment = true,
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()))
{
BadLoan = true,
NonRepaymentPenalties = { OverDuePrincipal = 0.003 },
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 + 200 * 0.003 * 14
Assert.AreEqual(268.4m, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
//NOT CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, false);
//30 + 230 + 200 * 0.003 * 12
Assert.AreEqual(266.60m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
}
public void DecliningBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithInterestAndKeepNotExpectedInstallment()
{
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 = 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
Assert.AreEqual(261.30m, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
}
public void SetUp()
{
Package package = new Package(new InstallmentType(1, "Monthly", 0, 1), OLoanTypes.Flat, true);
package.KeepExpectedInstallment = true;
package.NonRepaymentPenalties.InitialAmount = 0.003;
contractForAPerson = new Credit(package, 1000, 0.03, 6, 1, new DateTime(2006, 1, 1), User.CurrentUser, GeneralSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisioningTable.GetInstance(User.CurrentUser));
contractForAPerson.NonRepaymentPenalties.InitialAmount = 0.003;
_person = new Person();
_person.FirstName = "Nicolas";
_person.LastName = "MANGIN";
_person.District = new District(1, "Ile de France", new Province(1, "France"));
_person.City = "Paris";
User user = User.CurrentUser;
user.FirstName = "Nicolas";
user.LastName = "MANGIN";
contractForAPerson.LoanOfficer = user;
contractForAGroup = new Credit(package, 1000, 0.03, 6, 1, new DateTime(2006, 1, 1), User.CurrentUser, GeneralSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisioningTable.GetInstance(User.CurrentUser));
_group = new Group();
_group.Name = "Groupe MANGIN";
_group.District = new District(1, "Lorraine", new Province(1, "France"));
_group.City = "Nancy";
contractForAGroup.EntryFees = 0.03;
}
public void TestIsWriteOffContractWhenItIsNot()
{
ClosureContractStock closureContractStock = new ClosureContractStock();
Loan contract1 = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
Id = 1
};
closureContractStock.AddContract(contract1);
Assert.IsFalse(closureContractStock.IsWriteOffContract(contract1));
}
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 OpenCBS.CoreDomain.Contracts.Loans.LoanRepayment.Repayment.RepayLateInstallments.CalculateInstallments _SetRepaymentOptions(Loan pContract, bool pCancelFees)
{
CreditContractOptions cCO = new CreditContractOptions(pContract.Product.LoanType, pContract.Product.KeepExpectedInstallment, pCancelFees, 0, 0, false, 0,
pContract.Product.AnticipatedTotalRepaymentPenaltiesBase);
return(new OpenCBS.CoreDomain.Contracts.Loans.LoanRepayment.Repayment.RepayLateInstallments.CalculateInstallments(cCO, pContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")));
}
public void LateFeesCalculation_OverduePrincipalWithGracePeriodLatePenalties()
{
Loan myContract = _SetContractWithGracePeriodOfFees(OLoanTypes.Flat, new NonRepaymentPenalties(0.01, 0.01, 0.01, 0.01), 5, true);
Assert.AreEqual(0m, CalculationBaseForLateFees.FeesBasedOnOverdueInterest(myContract, new DateTime(2006, 2, 6), 1, false, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value);//0 (1st installment without interest) * 0.003 * 32 = 0
}
public void LateFeesCalculation_OverdueInterest()
{
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", true);
Loan myContract = _SetContract(OLoanTypes.Flat, new NonRepaymentPenalties(0, 0, 0, 0.003), true);
Assert.AreEqual(3m, CalculationBaseForLateFees.FeesBasedOnOverdueInterest(myContract, new DateTime(2006, 3, 5), 1, false, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value); // 30 * 0.003 * 32 = 2.88 =>3
//NOT CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", false);
myContract = _SetContract(OLoanTypes.Flat, new NonRepaymentPenalties(0, 0, 0, 0.003), true);
Assert.AreEqual(3m, CalculationBaseForLateFees.FeesBasedOnOverdueInterest(myContract, new DateTime(2006, 3, 5), 1, false, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value); // 30 * 0.003 * 28 = 2.430 =>2
}
public void LateFeesCalculation_OLB()
{
Loan myContract = _SetContract(OLoanTypes.Flat, new NonRepaymentPenalties(0, 0.0026, 0, 0), true);
Assert.AreEqual(10m, CalculationBaseForLateFees.FeesBasedOnOlb(myContract, new DateTime(2006, 2, 5), 1, false, ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")).Value); // 1000 * 0.0026 * 4 = 10.4 => 10
}
public void TestDeleteContract()
{
ClosureContractStock closureContractStock = new ClosureContractStock();
Loan contract1 = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
Id = 1
};
Loan contract2 = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
Id = 2
};
closureContractStock.AddContract(contract1);
closureContractStock.AddContract(contract2);
Assert.AreEqual(2, closureContractStock.Contracts.Count);
closureContractStock.DeleteContract(contract1.Id);
Assert.AreEqual(1, closureContractStock.Contracts.Count);
}
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 TestGetWriteOffContracts()
{
ClosureContractStock closureContractStock = new ClosureContractStock();
Loan contract1 = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
Id = 1
};
Loan contract2 = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
contract2.Events.Add(new WriteOffEvent());
contract2.Id = 2;
contract2.WrittenOff = true;
closureContractStock.AddContract(contract1);
closureContractStock.AddContract(contract2);
Assert.AreEqual(1, closureContractStock.WriteOffContracts.Count);
}
public void TestCalculateMaximumAmountWithFlateBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOverDueWithInterestAndKeepNotExpectedInstallment()
{
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.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);
this.repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
//30 + 230 + 30 * 0.003 * 42 + 230 * 0.003 *14 = 30 + 230 + 3.78 + 9.66 = 273.44=> 30 + 230 + 4 + 10 = 274
Assert.AreEqual(273, Math.Round(this.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 void OLB_DecliningFixedInstallments_OneRepayment_OneMonthGracePeriod_Overdue_KeepNotExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 750, 0.03m, 9, 1, new DateTime(2006, 2, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 3, 1), 740, false, false);
Assert.AreEqual(750, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(32.5m, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(28.85m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(25.09m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(21.21m, myContract.CalculateExpectedOlb(5, false).Value);
Assert.AreEqual(17.22m, myContract.CalculateExpectedOlb(6, false).Value);
Assert.AreEqual(13.11m, myContract.CalculateExpectedOlb(7, false).Value);
Assert.AreEqual(8.87m, myContract.CalculateExpectedOlb(8, false).Value);
Assert.AreEqual(4.51m, myContract.CalculateExpectedOlb(9, false).Value);
}
public void DecliningBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnOLBAndKeepExpectedInstallment()
{
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.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 + 218.35 + 1000 * 0.003 * 42
Assert.AreEqual(374.35m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
}
public void CalculateExpectedOLB2()
{
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, 20000, 0.02m, 10, 0, new DateTime(2009, 1, 17), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.Repay(1, new DateTime(2009, 1, 17), 1000, true, false);
Assert.AreEqual(19000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(17100, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(15200, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(13300, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(11400, myContract.CalculateExpectedOlb(5, false).Value);
Assert.AreEqual(9500, myContract.CalculateExpectedOlb(6, false).Value);
Assert.AreEqual(7600, myContract.CalculateExpectedOlb(7, false).Value);
Assert.AreEqual(5700, myContract.CalculateExpectedOlb(8, false).Value);
Assert.AreEqual(3800, myContract.CalculateExpectedOlb(9, false).Value);
Assert.AreEqual(1900, myContract.CalculateExpectedOlb(10, false).Value);
}
public void Flate_BadLoan_42DaysLate_BasedOnInitialAmount_KeepExpectedInstallment_Fees()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = true,
AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB,
Currency = new Currency {
Id = 1
}
};
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 = 0.003;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
//42 days late
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));
}
public void TestRepayFlat_GracePeriod_KeepNotExpectedInstallments()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
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, 50000, 0.01m, 8, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.Repay(1, new DateTime(2006, 2, 1), 1050, true, true);
myContract.Repay(2, new DateTime(2006, 6, 1), 40000, true, true);
Assert.AreEqual(50000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(50000, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(50000m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(41666.67m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(33333.34m, myContract.CalculateExpectedOlb(5, false).Value);
//Assert.AreEqual(11428m, myContract.CalculateExpectedOLB(6, false).Value);
//Assert.AreEqual(7618.67m, myContract.CalculateExpectedOLB(7, false).Value);
//Assert.AreEqual(3809.34m, myContract.CalculateExpectedOLB(8, false).Value);
}
private static CalculateMaximumAmountToRepayStrategy _MaximumAmountToRepay(Loan pContract, bool pCancelFees, OCurrency pManualFeesAmount, OCurrency pManualCommissionAmount, bool pCancelInterest, OCurrency pManualInterestAmount)
{
CreditContractOptions cCO = new CreditContractOptions(pContract.Product.LoanType, pContract.Product.KeepExpectedInstallment, pCancelFees,
pManualFeesAmount, pManualCommissionAmount,
pCancelInterest, pManualInterestAmount, pContract.Product.AnticipatedTotalRepaymentPenaltiesBase);
return(new CalculateMaximumAmountToRepayStrategy(cCO, pContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance("")));
}
private static Loan _GetLoan(DateTime pDisburseDate, int pNumberOfInstallments, int pGracePeriod, OLoanTypes pLoanTypes)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = pLoanTypes,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
return(new Loan(package, 1000, 0.03m, pNumberOfInstallments, pGracePeriod, pDisburseDate, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())));
}
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);
}
public void TestAddContract()
{
ClosureContractStock closureContractStock = new ClosureContractStock();
closureContractStock.AddContract(new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())));
Assert.AreEqual(1, closureContractStock.Contracts.Count);
}
public void DecliningRate_FixedPrincipal_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedPrincipal,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
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, 333, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 20, 334, 667);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 10, 333, 333);
}
private static Loan _SetContract(OAnticipatedRepaymentPenaltiesBases pAnticipatedRepaymentBase, double pAnticipated, bool pKeepExpectedInstallment, bool useCents)
{
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, UseCents = useCents
}
};
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 }
});
}