public void TestCalculateExpectedOLB()
{
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.AnticipatedRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 20000, 0.02, 10, 0, new DateTime(2009, 1, 17), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisioningTable.GetInstance(new User()));
myContract.BadLoan = false;
myContract.Repay(1, new DateTime(2009, 1, 17), 10000, true, false);
Assert.AreEqual(10000, myContract.CalculateExpectedOLB(1, false).Value);
Assert.AreEqual(9000, myContract.CalculateExpectedOLB(2, false).Value);
Assert.AreEqual(8000, myContract.CalculateExpectedOLB(3, false).Value);
Assert.AreEqual(7000, myContract.CalculateExpectedOLB(4, false).Value);
Assert.AreEqual(6000, myContract.CalculateExpectedOLB(5, false).Value);
Assert.AreEqual(5000, myContract.CalculateExpectedOLB(6, false).Value);
Assert.AreEqual(4000, myContract.CalculateExpectedOLB(7, false).Value);
Assert.AreEqual(3000, myContract.CalculateExpectedOLB(8, false).Value);
Assert.AreEqual(2000, myContract.CalculateExpectedOLB(9, false).Value);
Assert.AreEqual(1000, myContract.CalculateExpectedOLB(10, false).Value);
}
public void TestCalculateOLBWith2MonthOfGracePeriodWhenDecliningExotic()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
ExoticInstallmentsTable exoticProduct = new ExoticInstallmentsTable();
exoticProduct.Add(new ExoticInstallment(1, 0.1, null));
exoticProduct.Add(new ExoticInstallment(2, 0.1, null));
exoticProduct.Add(new ExoticInstallment(3, 0.1, null));
exoticProduct.Add(new ExoticInstallment(4, 0.1, null));
exoticProduct.Add(new ExoticInstallment(5, 0.1, null));
exoticProduct.Add(new ExoticInstallment(6, 0.5, null));
package.ExoticProduct = exoticProduct;
Loan myContract = new Loan(package, 1000, 0.03, 8, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisioningTable.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 2, 1), 100, true, false);
Assert.AreEqual(1000m, myContract.CalculateExpectedOLB(1, false).Value);
Assert.AreEqual(930m, myContract.CalculateExpectedOLB(2, false).Value);
Assert.AreEqual(930m, myContract.CalculateExpectedOLB(3, false).Value);
Assert.AreEqual(837m, myContract.CalculateExpectedOLB(4, false).Value);
Assert.AreEqual(744m, myContract.CalculateExpectedOLB(5, false).Value);
Assert.AreEqual(651m, myContract.CalculateExpectedOLB(6, false).Value);
Assert.AreEqual(558m, myContract.CalculateExpectedOLB(7, false).Value);
Assert.AreEqual(465m, myContract.CalculateExpectedOLB(8, false).Value);
}
public void TestCalculateOLB6()
{
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.AnticipatedRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 1000, 0.03, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisioningTable.GetInstance(new User()));
myContract.BadLoan = false;
myContract.AnticipatedRepaymentPenalties = 0.03;
myContract.Repay(1, new DateTime(2006, 2, 1), 30, false, false);
RepaymentEvent rE = myContract.Repay(2, new DateTime(2006, 3, 3), 1000, false, true);
Assert.AreEqual(0m, rE.Fees.Value);
Assert.AreEqual(150m, rE.Interests.Value);
Assert.AreEqual(850m, rE.Principal.Value);
Assert.AreEqual(1000m, myContract.CalculateExpectedOLB(1, true).Value);
Assert.AreEqual(1000m, myContract.CalculateExpectedOLB(2, true).Value);
Assert.AreEqual(800m, myContract.CalculateExpectedOLB(3, true).Value);
Assert.AreEqual(600m, myContract.CalculateExpectedOLB(4, true).Value);
Assert.AreEqual(400m, myContract.CalculateExpectedOLB(5, true).Value);
Assert.AreEqual(200m, myContract.CalculateExpectedOLB(6, true).Value);
}
public void TestCalculateOLBWith2MonthOfGracePeriod()
{
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 }
};
package.KeepExpectedInstallment = false;
package.AnticipatedRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 1000, 0.03, 7, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisioningTable.GetInstance(new User()));
myContract.BadLoan = false;
myContract.AnticipatedRepaymentPenalties = 0.03;
Assert.AreEqual(1000m, myContract.CalculateExpectedOLB(1, false).Value);
Assert.AreEqual(1000m, myContract.CalculateExpectedOLB(2, false).Value);
Assert.AreEqual(1000m, myContract.CalculateExpectedOLB(3, false).Value);
Assert.AreEqual(800m, myContract.CalculateExpectedOLB(4, false).Value);
Assert.AreEqual(600m, myContract.CalculateExpectedOLB(5, false).Value);
Assert.AreEqual(400m, myContract.CalculateExpectedOLB(6, false).Value);
Assert.AreEqual(200m, myContract.CalculateExpectedOLB(7, false).Value);
}
public void TestCalculateOLB4()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = false;
package.AnticipatedRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 1000, 0.03, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisioningTable.GetInstance(new User()));
myContract.BadLoan = false;
myContract.AnticipatedRepaymentPenalties = 0.03;
Assert.AreEqual(1000m, myContract.CalculateExpectedOLB(1, false).Value);
Assert.AreEqual(845.40m, myContract.CalculateExpectedOLB(2, false).Value);
Assert.AreEqual(686.16m, myContract.CalculateExpectedOLB(3, false).Value);
Assert.AreEqual(522.14m, myContract.CalculateExpectedOLB(4, false).Value);
Assert.AreEqual(353.21m, myContract.CalculateExpectedOLB(5, false).Value);
Assert.AreEqual(179.22m, myContract.CalculateExpectedOLB(6, false).Value);
myContract.Repay(1,new DateTime(2006,2,1),184.60m,false,false);
RepaymentEvent rE = myContract.Repay(2, new DateTime(2006, 4, 3), 369.2m, false, false);
Assert.AreEqual(25.36m, rE.Fees.Value);
Assert.AreEqual(45.94m, rE.Interests.Value);
Assert.AreEqual(297.9m, rE.Principal.Value);
Assert.AreEqual(1000, myContract.CalculateExpectedOLB(1, false).Value);
Assert.AreEqual(845.40m, myContract.CalculateExpectedOLB(2, false).Value);
Assert.AreEqual(686.16m, myContract.CalculateExpectedOLB(3, false).Value);
Assert.AreEqual(522.14m, myContract.CalculateExpectedOLB(4, false).Value);
Assert.AreEqual(353.21m, myContract.CalculateExpectedOLB(5, false).Value);
Assert.AreEqual(179.22m, myContract.CalculateExpectedOLB(6, false).Value);
}
