public TrancheEvent AddTranche(TrancheOptions pTO)
{
_trancheEvent = new TrancheEvent
{
Date = DateTime.Now,
InterestRate = pTO.InterestRate,
Amount = pTO.TrancheAmount,
Maturity = pTO.CountOfNewInstallments,
StartDate = pTO.TrancheDate,
Number = _currentLoan.GivenTranches.Count
};
pTO.Number = _trancheEvent.Number;
switch (_currentLoan.Product.LoanType)
{
case OLoanTypes.Flat:
{
AddFlatTranche(pTO);
}
break;
case OLoanTypes.DecliningFixedPrincipal:
{
AddFixedPrincipalTranche(pTO);
}
break;
case OLoanTypes.DecliningFixedInstallments:
{
AddFixedInstallmentTranche(pTO);
}
break;
}
return _trancheEvent;
}
private void AddFixedInstallmentTranche(TrancheOptions to)
{
OCurrency RemainsAmount = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
RemainsAmount += installment.CapitalRepayment - installment.PaidCapital;
}
}
OCurrency RemainsInterestAmount = _generalSettings.AccountingProcesses == OAccountingProcesses.Accrual
? GenerateEvents.Accrual.CalculateRemainingInterests(_currentLoan, to.TrancheDate)
: GenerateEvents.Cash.CalculateRemainingInterests(_currentLoan, to.TrancheDate);
RemainsInterestAmount = _currentLoan.UseCents ? RemainsInterestAmount : Math.Round(RemainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
_Tranche_ExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
OCurrency olb;
OCurrency newAmountVPM;
OCurrency priviousAmountVPM = 0;
if (to.ApplyNewInterestOnOLB)
{
olb = to.TrancheAmount + RemainsAmount;
newAmountVPM = _currentLoan.UseCents
? _currentLoan.VPM(olb, to.CountOfNewInstallments, (double)to.InterestRate)
: Math.Round(_currentLoan.VPM(olb, to.CountOfNewInstallments, (double)to.InterestRate).Value, 0, MidpointRounding.AwayFromZero);
RemainsAmount = 0;
}
else
{
olb = to.TrancheAmount;
newAmountVPM = _currentLoan.UseCents
? _currentLoan.VPM(olb, to.CountOfNewInstallments, (double)to.InterestRate)
: Math.Round(_currentLoan.VPM(olb, to.CountOfNewInstallments, (double)to.InterestRate).Value, 0,
MidpointRounding.AwayFromZero);
priviousAmountVPM = _currentLoan.UseCents
? _currentLoan.VPM(RemainsAmount, to.CountOfNewInstallments,
(double)(_currentLoan.GivenTranches[to.Number - 1].InterestRate.Value))
: Math.Round((_currentLoan.VPM(RemainsAmount, to.CountOfNewInstallments,
(double)(_currentLoan.GivenTranches[to.Number - 1].InterestRate.Value))).Value, 0,
MidpointRounding.AwayFromZero);
}
OCurrency _OLB = olb + RemainsAmount;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.InterestsRepayment = _currentLoan.UseCents
? Math.Round(olb.Value * to.InterestRate, 2, MidpointRounding.AwayFromZero)
: Math.Round(olb.Value * to.InterestRate, 0, MidpointRounding.AwayFromZero);
OCurrency _interestAmountForPriviousOLB = _currentLoan.UseCents
? RemainsAmount * _currentLoan.GivenTranches[to.Number - 1].InterestRate
: Math.Round((RemainsAmount * _currentLoan.GivenTranches[to.Number - 1].InterestRate).Value, 0, MidpointRounding.AwayFromZero);
installment.CapitalRepayment = newAmountVPM.Value - installment.InterestsRepayment.Value;
installment.InterestsRepayment += _currentLoan.UseCents
? Math.Round(_interestAmountForPriviousOLB.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(_interestAmountForPriviousOLB.Value, 0, MidpointRounding.AwayFromZero);
olb -= installment.CapitalRepayment;
installment.CapitalRepayment = _currentLoan.UseCents
? Math.Round(installment.CapitalRepayment.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(installment.CapitalRepayment.Value, 0, MidpointRounding.AwayFromZero);
OCurrency PriviousCapital = priviousAmountVPM - _interestAmountForPriviousOLB;
installment.CapitalRepayment += _currentLoan.UseCents
? Math.Round(PriviousCapital.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(PriviousCapital.Value, 0, MidpointRounding.AwayFromZero);
RemainsAmount -= PriviousCapital;
installment.InterestsRepayment += _currentLoan.UseCents
? Math.Round(RemainsInterestAmount.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(RemainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
RemainsInterestAmount = 0;
installment.PaidCapital = 0;
installment.PaidInterests = 0;
}
}
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - to.CountOfNewInstallments].CapitalRepayment +=
_currentLoan.UseCents
? Math.Round(olb.Value + RemainsAmount.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(olb.Value + RemainsAmount.Value, 0, MidpointRounding.AwayFromZero);
//OLB calculation
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.OLB = _OLB;
_OLB -= installment.CapitalRepayment;
}
}
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment +=
_currentLoan.UseCents
? Math.Round(_OLB.Value, 2, MidpointRounding.AwayFromZero)
: Math.Round(_OLB.Value, 0, MidpointRounding.AwayFromZero);
}
private void AddFixedPrincipalTranche(TrancheOptions to)
{
OCurrency RemainsAmount = 0;
List<Installment> _NotRepaidInstollment = new List<Installment>();
int numberRemainInstallment = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
_NotRepaidInstollment.Add(installment);
if (!installment.IsRepaid)
{
RemainsAmount += installment.CapitalRepayment - installment.PaidCapital;
numberRemainInstallment++;
}
}
OCurrency olb = to.TrancheAmount;
OCurrency RemainsInterestAmount = _generalSettings.AccountingProcesses == OAccountingProcesses.Accrual
? GenerateEvents.Accrual.CalculateRemainingInterests(_currentLoan, to.TrancheDate)
: GenerateEvents.Cash.CalculateRemainingInterests(_currentLoan, to.TrancheDate);
RemainsInterestAmount = _currentLoan.UseCents ? RemainsInterestAmount : Math.Round(RemainsInterestAmount.Value, 0, MidpointRounding.AwayFromZero);
_Tranche_ExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
OCurrency RemainingOLB = RemainsAmount;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
if (_NotRepaidInstollment.Count >= installment.Number)
{
if (!_NotRepaidInstollment[installment.Number - 1].IsRepaid)
{
installment.CapitalRepayment = _currentLoan.UseCents
? to.TrancheAmount / to.CountOfNewInstallments +
RemainsAmount / numberRemainInstallment
: Math.Round(
(to.TrancheAmount / to.CountOfNewInstallments +
RemainsAmount / numberRemainInstallment).Value, 0,
MidpointRounding.AwayFromZero);
installment.InterestsRepayment = to.ApplyNewInterestOnOLB
? (olb + RemainingOLB) * to.InterestRate + RemainsInterestAmount
: olb * to.InterestRate + RemainingOLB * _currentLoan.GivenTranches[to.Number - 1].InterestRate + RemainsInterestAmount;
installment.InterestsRepayment = _currentLoan.UseCents
? Math.Round(installment.InterestsRepayment.Value, 2,
MidpointRounding.AwayFromZero)
: Math.Round(installment.InterestsRepayment.Value, 0,
MidpointRounding.AwayFromZero);
installment.OLB = olb + RemainingOLB;
RemainingOLB -= _currentLoan.UseCents
? RemainingOLB / numberRemainInstallment
: Math.Round(
(RemainingOLB / numberRemainInstallment).Value, 0,
MidpointRounding.AwayFromZero);
olb -= to.TrancheAmount / to.CountOfNewInstallments;
installment.PaidCapital = 0;
installment.PaidInterests = 0;
RemainsInterestAmount = 0;
}
}
else
{
installment.CapitalRepayment = _currentLoan.UseCents
? to.TrancheAmount / to.CountOfNewInstallments
: Math.Round(
(to.TrancheAmount / to.CountOfNewInstallments).Value, 0,
MidpointRounding.AwayFromZero);
installment.InterestsRepayment = olb * to.InterestRate;
installment.InterestsRepayment = _currentLoan.UseCents
? installment.InterestsRepayment
: Math.Round(installment.InterestsRepayment.Value, 0,
MidpointRounding.AwayFromZero);
installment.PaidCapital = 0;
installment.PaidInterests = 0;
installment.OLB = olb;
olb -= installment.CapitalRepayment;
}
}
}
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
}
private void AddFlatTranche(TrancheOptions to)
{
OCurrency RemainsInterestAmount = 0;
OCurrency RemainsAmount = 0;
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
if (to.TrancheDate > _currentLoan.InstallmentList[installment.Number - 2].ExpectedDate)
{
RemainsInterestAmount += installment.InterestsRepayment *
(to.TrancheDate - _currentLoan.InstallmentList[installment.Number - 2].ExpectedDate).Days /
_currentLoan.NumberOfDaysInTheInstallment(installment.Number, to.TrancheDate);
}
RemainsAmount += installment.CapitalRepayment - installment.PaidCapital;
}
}
OCurrency InterestAmount = !to.ApplyNewInterestOnOLB
? to.TrancheAmount * to.InterestRate +
RemainsInterestAmount / to.CountOfNewInstallments
: (to.TrancheAmount + RemainsAmount) * to.InterestRate +
RemainsInterestAmount / to.CountOfNewInstallments;
OCurrency GeneralInterestAmount = InterestAmount;
InterestAmount = _currentLoan.UseCents ? InterestAmount : Math.Round(InterestAmount.Value, 0);
OCurrency olb = to.TrancheAmount + RemainsAmount;
_Tranche_ExtendMaturity(to.CountOfNewInstallments, to.TrancheDate);
foreach (Installment installment in _currentLoan.InstallmentList)
{
if (!installment.IsRepaid)
{
installment.CapitalRepayment = _currentLoan.UseCents
? (to.TrancheAmount + RemainsAmount) /
to.CountOfNewInstallments
: Math.Round(
((to.TrancheAmount + RemainsAmount) /
to.CountOfNewInstallments).Value, 0);
installment.InterestsRepayment = InterestAmount;
installment.PaidCapital = 0;
installment.PaidInterests = 0;
installment.OLB = olb;
olb -= installment.CapitalRepayment;
}
}
OCurrency LastInstallmentInterest = _currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].InterestsRepayment +
GeneralInterestAmount * to.CountOfNewInstallments - InterestAmount * to.CountOfNewInstallments;
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].InterestsRepayment = _currentLoan.UseCents
? LastInstallmentInterest
: Math.Round(
LastInstallmentInterest
.Value, 0);
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment =
_currentLoan.InstallmentList[_currentLoan.InstallmentList.Count - 1].CapitalRepayment + olb;
_currentLoan.Amount = _currentLoan.Amount + to.TrancheAmount;
}
public TrancheEvent CalculateTranche(TrancheOptions pTo)
{
var tranche = new Tranche(this, _generalSettings);
return tranche.AddTranche(pTo);
}