public FrmAvalaibleLoanProducts()
{
InitializeComponent();
InitializePackages();
_package = new LoanProduct();
_selectedPackage = new LoanProduct();
}
public void DecliningRate_ExoticInstallments_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, null),
new ExoticInstallment(2, 0.1, null),
new ExoticInstallment(3, 0.1, null),
new ExoticInstallment(4, 0.1, null),
new ExoticInstallment(5, 0.1, null),
new ExoticInstallment(6, 0.5, null)
},
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 7, 1, 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), 30.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 100.00m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 27.00m, 100.00m, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 24.00m, 100.00m, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 21.00m, 100.00m, 700);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 18.00m, 100.00m, 600);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 15.00m, 500.00m, 500);
}
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 FrmAvalaibleLoanProducts()
{
InitializeComponent();
_package = new LoanProduct();
InitializePackages();
webBrowserPackage.ObjectForScripting = this;
}
public void Package_Click(object sender, HtmlElementEventArgs e)
{
var tag = (HtmlElement)(sender);
this.PackageFormId = Convert.ToInt32(tag.Id);
_package = ServicesProvider.GetInstance().GetProductServices().FindPackage(PackageFormId);
buttonDeletePackage.Enabled = true;
buttonEditProduct.Enabled = true;
}
public VillageAddLoanForm(Village village, LoanProduct product, NonSolidaryGroupForm nsgForm)
{
_village = village;
_product = product;
_nsgForm = nsgForm;
_product.EntryFees = ServicesProvider.GetInstance().GetProductServices().GetProductEntryFees(_product, village);
_fLServices = new FundingLineServices(User.CurrentUser);
_accumulatedAmount = 0;
InitializeComponent();
InitializeControls();
}
public void SetUp()
{
_rules = new AccountingRuleCollection();
_accounts = DefaultAccounts.DefaultAccount(1);
Account cashSavings = new Account("1020", "CASH_SAVINGS", 0, "CASH_SAVIGNS", true, OAccountCategories.BalanceSheetAsset, 1);
_accounts.Add(cashSavings);
_rules.Add(new ContractAccountingRule
{
DebitAccount = _accounts[0],
CreditAccount = cashSavings,
ProductType = OProductTypes.Saving,
SavingProduct = null,
ClientType = OClientTypes.All,
EconomicActivity = null,
BookingDirection = OBookingDirections.Both
});
_loanProductEde34 = new LoanProduct { Id = 1, Code = "EDE34", Name = "EDEN 34", Currency = new Currency { Id = 1} };
Account cashEDE34 = new Account("1051", "CASH_EDE34", 0, "CASH_EDE34", true, OAccountCategories.BalanceSheetAsset, 1);
_accounts.Add(cashEDE34);
_rules.Add(new ContractAccountingRule
{
DebitAccount = _accounts[0],
CreditAccount = cashEDE34,
ProductType = OProductTypes.Loan,
LoanProduct = _loanProductEde34,
ClientType = OClientTypes.Person,
EconomicActivity = new EconomicActivity(1, "Agriculture", null, false),
BookingDirection = OBookingDirections.Both
});
_loanProductEde60 = new LoanProduct { Id = 2, Code = "EDE60", Name = "EDEN 60", Currency = new Currency { Id = 1 } };
Account cashEDE60 = new Account("1052", "CASH_EDE60", 0, "CASH_EDE60", true, OAccountCategories.BalanceSheetAsset, 1);
_accounts.Add(cashEDE60);
_rules.Add(new ContractAccountingRule
{
DebitAccount = _accounts[0],
CreditAccount = cashEDE60,
ProductType = OProductTypes.Loan,
LoanProduct = _loanProductEde60,
ClientType = OClientTypes.Person,
EconomicActivity = new EconomicActivity(1, "Agriculture", null, false),
BookingDirection = OBookingDirections.Credit
});
}
public void FlatRate_BiWeeklyInstallmentType_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1, UseCents = true}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, 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, 1, 16), 32.14m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 30.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 30.00m, 250, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 30.00m, 250, 750);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 30.00m, 250, 500);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 3, 27), 30.00m, 250, 250);
}
public void CalculateRemainingInterest_AccrualAccounting()
{
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}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2009, 12, 25), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2010, 1, 25), 196.67m, false, true);
Assert.AreEqual(17.42m, Math.Round(myContract.CalculateRemainingInterests(new DateTime(2010, 2, 12)).Value, 2));
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
}
public void DecliningBadLoanWith42dayslateWhenNonRepaymentFeesBaseOnInitialAmountAndKeepNotExpectedInstallment()
{
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.InitialAmount = 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 CalculateRemainingInterest_CashAccounting_AfterFirstInstallment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
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()));
Assert.AreEqual(30, Math.Round(myContract.CalculateRemainingInterests(new DateTime(2006, 2, 14)).Value, 2));
}
public void TestDisburseWhenDisableFeesTrue()
{
ApplicationSettings pDataParam = ApplicationSettings.GetInstance("");
pDataParam.DeleteAllParameters();
pDataParam.AddParameter("ALIGN_INSTALLMENTS_ON_REAL_DISBURSEMENT_DATE", false);
pDataParam.AddParameter("PAY_FIRST_INSTALLMENT_REAL_VALUE", true);
pDataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
pDataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weelky", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.02m,6,1,new DateTime(2006,1,2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
EntryFee productFee = new EntryFee();
productFee.Value = 5;
productFee.IsRate = true;
LoanEntryFee entryFee = new LoanEntryFee();
entryFee.FeeValue = 5;
entryFee.ProductEntryFee = productFee;
myContract.LoanEntryFeesList = new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(entryFee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,1,6),false,true);
Assert.AreEqual(new DateTime(2006,1,2),myContract.StartDate);
Assert.AreEqual(14.29m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m,lDE.Amount.Value);
Assert.AreEqual(null, lDE.Commissions);
}
public void TestCountFeesWithSmallPrepayment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
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, 1000, 0.03m, 6, 1, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.NonRepaymentPenalties.OverDuePrincipal = 0.01;
Assert.AreEqual(new DateTime(2010, 2, 1), myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2010, 3, 1), myContract.GetInstallment(1).ExpectedDate);
myContract.Repay(1, new DateTime(2010, 2, 1), 30, true, false);
myContract.Repay(2, new DateTime(2010, 2, 26), 30, true, false);
RepaymentEvent rPE = myContract.Repay(2, new DateTime(2010, 3, 4), 196.58m, false, false);
Assert.AreEqual(5.63m, rPE.Fees.Value);
Assert.AreEqual(3.2m, rPE.Interests.Value);
Assert.AreEqual(187.75m, rPE.Principal.Value);
Assert.AreEqual(myContract.GetInstallment(1).IsRepaid, true);
}
public void TestCalculateTotalInterests()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.03m,6,1,new DateTime(2006,6,30), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(181m, myContract.CalculateTotalInterests().Value);
}
public void TestCalculateRemainingInterestsWithDateTimeParameter()
{
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(2006,6,22), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(46.5m, Math.Round(myContract.CalculateRemainingInterests(new DateTime(2006, 8, 22)).Value, 2));
}
public void TestCalculatePastDueSinceLastRepaymentWhenSameYearAndLimitBypassed()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 },
KeepExpectedInstallment = false
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
DateTime limit = new DateTime(2006, 5, 1);
Assert.AreEqual(61, myContract.CalculatePastDueSinceLastRepayment(limit));
}
public void TestCalculatePastDueSinceLastRepayment2()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = false,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
PaymentMethod paymentMethod = new PaymentMethod(1, "Cash", "", false);
myContract.Repay(1, new DateTime(2006, 6, 1), 30, true, 0, 0, false, 0, true, false, false, paymentMethod);
Assert.IsTrue(myContract.GetInstallment(0).IsRepaid);
Assert.AreEqual(122, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 7, 1)));
}
public void TestBadLoanAndGoBackToNormal()
{
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.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);
CreditContractRepayment cCR = new CreditContractRepayment(myContract, cCO, new DateTime(2006, 3, 15), 1, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
Assert.AreEqual(1194, Math.Round(cCR.MaximumAmountAuthorizeToRepay.Value, 2));
Assert.AreEqual(386.00m, Math.Round(cCR.MaximumAmountToRegradingLoan.Value, 2));
RepaymentEvent rPE = myContract.Repay(1,new DateTime(2006,3,15),386,false,true);
Assert.AreEqual(126,rPE.Fees.Value);
Assert.AreEqual(60,rPE.Interests.Value);
Assert.AreEqual(200,rPE.Principal.Value);
}
public void TestCalculatePendingRepayment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = false,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(),
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
PaymentMethod paymentMethod = new PaymentMethod(2, "Voucher", "", true);
RepaymentEvent pEvent = myContract.Repay(1, new DateTime(2006, 6, 1), 30, true, 0, 0, false, 0, true, false, true,
paymentMethod);
Assert.IsTrue(myContract.GetInstallment(0).IsRepaid);
Assert.AreEqual(pEvent.Code, "PBLR");
Assert.IsTrue(myContract.GetInstallment(0).IsPending);
myContract.ConfirmPendingRepayment();
Assert.IsFalse(myContract.GetInstallment(0).IsPending);
}
public void TestCalculateInstallmentWhenChangeDateSetToFalse()
{
ApplicationSettings pDataParam = ApplicationSettings.GetInstance("");
pDataParam.DeleteAllParameters();
pDataParam.AddParameter("ALIGN_INSTALLMENTS_ON_REAL_DISBURSEMENT_DATE", false);
pDataParam.AddParameter("PAY_FIRST_INSTALLMENT_REAL_VALUE", true);
pDataParam.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
pDataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
pDataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.02m,6,1,new DateTime(2006,1,2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(new DateTime(2006,2,2),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2006,3,2),myContract.GetInstallment(1).ExpectedDate);
myContract.Disburse(new DateTime(2006,1,6),false,false);
Assert.AreEqual(new DateTime(2006,1,2),myContract.StartDate);
Assert.AreEqual(new DateTime(2006,2,2),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2006,3,2),myContract.GetInstallment(1).ExpectedDate);
myContract.Repay(1,new DateTime(2006,2,2),100,true,false);
Assert.AreEqual(new DateTime(2006,2,2),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2006,3,2),myContract.GetInstallment(1).ExpectedDate);
}
public void TestCalculateTotalExpectedAmountWithoutEntryFees()
{
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 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 6, 30), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(1181m, myContract.CalculateTotalExpectedAmount().Value);
}
public void TestCalculateMaximumAmountForExoticProductTypeForInstallment3()
{
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.NonRepaymentPenalties.OLB = 0.01;
Loan myContract = new Loan(package, 1000, 0.01m, 3, 0, new DateTime(2008, 12, 17), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2008, 12, 19), 103, true, true);
myContract.Repay(2, new DateTime(2008, 12, 19), 618, true, true);
OCurrency amountToRetreived = Math.Round(myContract.CalculateMaximumAmountAuthorizedToRepay(3, new DateTime(2007, 3, 28), false, 0, 0, false, 0, true, true).Value);
Assert.AreEqual(310m, amountToRetreived.Value);
}
public void TestContract9InstallmentsDecliningRateWhenLittleOverPaid()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = false;
Loan myContract = new Loan(package,1500,0.03m,9,1,new DateTime(2006,1,1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.AnticipatedTotalRepaymentPenalties = 0.02;
Assert.AreEqual(45m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(0,myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006,2,1),myContract.GetInstallment(0).ExpectedDate);
RepaymentEvent rPE = myContract.Repay(1,new DateTime(2006,2,1),45m,false,false);
Assert.AreEqual(45,myContract.GetInstallment(0).PaidInterests.Value);
Assert.AreEqual(0,myContract.GetInstallment(0).PaidCapital.Value);
Assert.AreEqual(0m,rPE.Fees.Value);
Assert.AreEqual(45m,rPE.Interests.Value);
Assert.AreEqual(0m,rPE.Principal.Value);
}
public void TestCalculateMaximumAmountToRegradingLoan()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = false;
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;
Assert.AreEqual(30m, myContract.CalculateMaximumAmountToRegradingLoan(1, new DateTime(2006, 2, 1), true, 0, 0, false, 0, false).Value);
}
public void TestDisburseWhenBiWeeklyInstallmentType()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weelky", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.02m, 6, 1, new DateTime(2006, 1, 2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
EntryFee entryFee = new EntryFee();
entryFee.Value = 5;
entryFee.IsRate = true;
entryFee.Id = 21;
LoanEntryFee loanEntryFee = new LoanEntryFee();
loanEntryFee.FeeValue = 5;
loanEntryFee.ProductEntryFee = entryFee;
loanEntryFee.ProductEntryFeeId = 21;
myContract.LoanEntryFeesList = new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(loanEntryFee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006, 1, 6), false, false);
Assert.AreEqual(new DateTime(2006,1,2), myContract.StartDate);
Assert.AreEqual(14.29m, myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m, lDE.Amount.Value);
Assert.AreEqual(50m, lDE.Commissions[0].Fee.Value);
}
public void TestCalculateOverDueAmountWithInterest()
{
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
};
Loan myContract = new Loan(package, 1000, 0.03m, 12, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.NonRepaymentPenalties.OLB = 0.0016;
Assert.AreEqual(30m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(70.46m,myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006,2,1),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(1000, _CheckInstalmentsTotalPrincipal(myContract).Value);
Assert.AreEqual(27.89m,myContract.GetInstallment(1).InterestsRepayment.Value);
Assert.AreEqual(72.57m,myContract.GetInstallment(1).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006,3,1),myContract.GetInstallment(1).ExpectedDate);
Assert.AreEqual(new DateTime(2006,4,3),myContract.GetInstallment(2).ExpectedDate);
Assert.AreEqual(new DateTime(2006,5,1),myContract.GetInstallment(3).ExpectedDate);
Assert.AreEqual(new DateTime(2006,6,1),myContract.GetInstallment(4).ExpectedDate);
Assert.AreEqual(new DateTime(2006,7,3),myContract.GetInstallment(5).ExpectedDate);
}
public void TestDisburseWhenDisburseDateEqualsToContractStartDate()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
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()));
EntryFee entryFee = new EntryFee();
entryFee.Value = 5;
entryFee.IsRate = true;
entryFee.Id = 21;
LoanEntryFee loanEntryFee = new LoanEntryFee();
loanEntryFee.FeeValue = 5;
loanEntryFee.ProductEntryFee = entryFee;
loanEntryFee.ProductEntryFeeId = 21;
myContract.LoanEntryFeesList = new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(loanEntryFee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,1,1),false,false);
Assert.AreEqual(new DateTime(2006,1,1),myContract.StartDate);
Assert.AreEqual(30m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m,lDE.Amount.Value);
Assert.AreEqual(50m,lDE.Commissions[0].Fee.Value);
}
public void TestCalculateOverDueAmountWithoutInterest()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
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()));
Assert.AreEqual(30m, myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(0m, myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006, 2, 1), myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(30m, myContract.GetInstallment(1).InterestsRepayment.Value);
Assert.AreEqual(200m, myContract.GetInstallment(1).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006, 3, 1), myContract.GetInstallment(1).ExpectedDate);
Assert.AreEqual(new DateTime(2006, 4, 3), myContract.GetInstallment(2).ExpectedDate);
Assert.AreEqual(0m, myContract.CalculateOverduePrincipal(new DateTime(2006, 1, 9)).Value);
Assert.AreEqual(400m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
Assert.AreEqual(400m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
Assert.AreEqual(400m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
myContract.Repay(2, new DateTime(2006, 3, 1), 230, true, false);
Assert.AreEqual(200m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
myContract.Repay(3, new DateTime(2006, 4, 3), 130, true, false);
Assert.AreEqual(100m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
}
public void TestDisburseWhenDisburseDateGreaterThanContractStartDate()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
//startdate = 1/1/2006
//expectedFirstInstallment = 1/2/2006
//real startdate = 6/1/2006
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
EntryFee productEntryFee = new EntryFee();
productEntryFee.IsRate = true;
productEntryFee.Value = 5;//5% of an amount
productEntryFee.Id = 21;
productEntryFee.Name = "Test entry fee";
package.EntryFees = new List<EntryFee>();
package.EntryFees.Add(productEntryFee);
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())
);
LoanEntryFee fee = new LoanEntryFee();
fee.ProductEntryFee = package.EntryFees[0];
fee.FeeValue = (decimal)fee.ProductEntryFee.Value;
fee.ProductEntryFeeId = (int) package.EntryFees[0].Id;
myContract.LoanEntryFeesList=new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(fee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,1,6),false,false);
Assert.AreEqual(new DateTime(2006,1,1),myContract.StartDate);
Assert.AreEqual(25m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m,lDE.Amount.Value);
Assert.AreEqual(50m, lDE.Commissions[0].Fee.Value);
}
public void TestCalculatePastDueSinceLastRepayment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = false,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
//before repayment
Assert.AreEqual(0, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 2, 1)));
Assert.AreEqual(14, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 2, 15)));
Assert.AreEqual(59, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 4, 1)));
Assert.AreEqual(152, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 7, 3)));
//partially repayment
PaymentMethod paymentMethod = new PaymentMethod(1, "Cash", "", false);
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, 0, 0, false, 0, false, false, false, paymentMethod);
myContract.Repay(2, new DateTime(2006, 3, 6), 10, true, 0, 0, false, 0, false, false, false, paymentMethod);
Assert.AreEqual(0, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 2, 1)));
Assert.AreEqual(0, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 2, 15)));
Assert.AreEqual(28, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 4, 3)));
Assert.AreEqual(119, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 7, 3)));
//totally repayment
myContract.Repay(2, new DateTime(2006, 3, 6), 20, true, 0, 0, false, 0, false, false, false, paymentMethod);
Assert.AreEqual(0, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 2, 1)));
Assert.AreEqual(0, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 2, 15)));
Assert.AreEqual(0, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 4, 3)));
Assert.AreEqual(91, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 7, 3)));
}