public void TestGetAgePenalty()
{
var testInput = new PersonalCreditScore(DateTime.Today.AddYears(-36));
var testResult = testInput.GetAgePenalty(null);
Assert.IsTrue(testResult >= -2.3D && testResult <= 2.27D);
}
public void TestGetRandomMax()
{
var testInput = American.RandomAmerican(Etx.RandomAdultBirthDate(), Gender.Female);
var testSubject = new PersonalCreditScore(testInput.BirthCert.DateOfBirth)
{
OpennessZscore = testInput.Personality?.Openness?.Value?.Zscore ?? 0D,
ConscientiousnessZscore = testInput.Personality?.Conscientiousness?.Value?.Zscore ?? 0D
};
var testResult = testSubject.GetRandomMax(null);
Debug.WriteLine(testResult);
}
public void TestGetRandomInterestRate()
{
var testInput = American.RandomAmerican(Etx.RandomAdultBirthDate(), Gender.Female);
var testSubject = new PersonalCreditScore(testInput.BirthCert.DateOfBirth)
{
OpennessZscore = testInput.Personality?.Openness?.Value?.Zscore ?? 0D,
ConscientiousnessZscore = testInput.Personality?.Conscientiousness?.Value?.Zscore ?? 0D
};
Debug.WriteLine(testSubject.GetScore(new DateTime(DateTime.Today.Year, 1, 1)));
var testResult = testSubject.GetRandomInterestRate(new DateTime(DateTime.Today.Year, 1, 1));
Assert.IsTrue(testResult > 3.0D);
Debug.WriteLine(testResult);
}
public void TestGetScore()
{
var testSubject = new PersonalCreditScore();
var testAgeRstl = testSubject.GetAgePenalty(null);
Debug.WriteLine($"age penalty {testAgeRstl}");
var testDispRslt = testSubject.GetUndisciplinedPenalty();
Debug.WriteLine($"discipline penalty {testDispRslt}");
var testInconRslt = testSubject.GetInconsistentPenalty();
Debug.WriteLine($"inconsistent penalty {testInconRslt}");
var baseScore = testSubject.FicoBaseValue;
Debug.WriteLine($"base score {baseScore}");
var expected = (int)Math.Ceiling(baseScore + testAgeRstl + testDispRslt + testInconRslt);
Assert.IsTrue(expected >= testSubject.GetScore(null));
}
protected internal override NamedTradeline GetNamedReceivableForItemAndGroup(string item, string grp,
AmericanDomusOpesOptions options, double rate)
{
const StringComparison OPT = StringComparison.OrdinalIgnoreCase;
const float FED_RATE = RiskFreeInterestRate.DF_VALUE;
options = options ?? AmericanDomusOpesOptions.RandomOpesOptions();
var startDate = options.Inception;
var amtR = options.SumTotal;
var isCheckingAccount = string.Equals(grp, AssetGroupNames.INSTITUTIONAL, OPT) &&
string.Equals(item, INSTITUTIONAL_CHECKING, OPT);
var isSavingsAccount = string.Equals(grp, AssetGroupNames.INSTITUTIONAL, OPT) &&
string.Equals(item, INSTITUTIONAL_SAVINGS, OPT);
var isMortgage = !options.IsRenting && string.Equals(grp, AssetGroupNames.REAL_PROPERTY, OPT) &&
string.Equals(item, REAL_PROPERTY_HOME_OWNERSHIP, OPT);
var isCarLoan = options.NumberOfVehicles > 0 &&
string.Equals(grp, AssetGroupNames.PERSONAL_PROPERTY, OPT) &&
string.Equals(item, PERSONAL_PROPERTY_MOTOR_VEHICLES, OPT);
NamedTradeline p;
if (isCheckingAccount)
{
var checkingAmt = amtR == null || amtR == 0
? _randCheckingAcctAmt
: _checkingAccountRate * amtR;
p = DepositAccount.RandomCheckingAccount(options.PersonsName, startDate,
$"{Etx.RandomInteger(1, 9999):0000}");
((DepositAccount)p).Deposit(startDate.AddDays(-1), (checkingAmt ?? 0).ToPecuniam());
}
else if (isSavingsAccount)
{
var savingAmt = amtR == null || amtR == 0
? _randSavingsAcctAmt
: _savingsAccountRate * amtR;
p = DepositAccount.RandomSavingAccount(options.PersonsName, startDate);
((DepositAccount)p).Deposit(startDate.AddDays(-1), (savingAmt ?? 0).ToPecuniam());
}
else if (isMortgage || isCarLoan)
{
var homeDebtAmt = amtR == null || amtR == 0
? _randHomeDebt
: _homeDebtRate * amtR;
var homeEquityAmt = amtR == null || amtR == 0
? _randHomeEquity
: _homeEquityRate * amtR;
var carDebtAmt = amtR == null || amtR == 0
? _randCarDebt
: _carDebtRate * amtR;
var carEquityAmt = amtR == null || amtR == 0
? _randCarEquity
: _carEquityRate * amtR;
var baseRate = isMortgage ? FED_RATE : FED_RATE + 3.2;
var creditScore = new PersonalCreditScore(options.FactorOptions.DateOfBirth)
{
OpennessZscore = options.Personality?.Openness?.Value?.Zscore ?? 0D,
ConscientiousnessZscore = options.Personality?.Conscientiousness?.Value?.Zscore ?? 0D
};
var randRate = (float)creditScore.GetRandomInterestRate(null, baseRate) * 0.01f;
var id = isMortgage
? (Identifier)PostalAddress.RandomAmericanAddress()
: Vin.RandomVin();
var remainingCost = isMortgage
? (homeDebtAmt ?? 0).ToPecuniam()
: (carDebtAmt ?? 0).ToPecuniam();
var totalValue = isMortgage
? ((homeDebtAmt ?? 0) + (homeEquityAmt ?? 0)).ToPecuniam()
: ((carDebtAmt ?? 0) + (carEquityAmt ?? 0)).ToPecuniam();
var buyer = options.Personality;
var termInYears = isMortgage ? 30 : 5;
Func <bool> irresp = () => false;
if (buyer != null)
{
irresp = buyer.GetRandomActsIrresponsible;
}
p = SecuredFixedRateLoan.RandomSecuredFixedRateLoanWithHistory(remainingCost,
totalValue,
randRate,
termInYears,
id, irresp);
p.Name = item;
p.AddName(KindsOfNames.Group, grp);
}
else
{
p = base.GetNamedReceivableForItemAndGroup(item, grp, options, rate);
}
return(p);
}
