private static OCurrency _LoanLossReserveBalance(Loan pCredit,ProvisionTable pProvisionningTable, int writeOffDays)
{
OCurrency balance = 0;
if (!pCredit.Disbursed) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return balance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return balance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate >= TimeProvider.Today)
break;
balance += (installment.InterestsRepayment - installment.PaidInterests);
}
balance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
balance += pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(pastDueDays).Rate);
OCurrency realBalance = 0;
return balance > realBalance ? balance : realBalance;
}
private static OCurrency _ExpensesLoanLossBalance(Loan pCredit,ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.AllInstallmentsRepaid && !pCredit.WrittenOff)
return pCredit.Amount * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
else
return 0;
}
private static OCurrency _IncomeLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
OCurrency olb = pCredit.GetOlb();
OCurrency rate = Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0) olb = 0;
if (pCredit.WrittenOff) return 0;
if (!pCredit.Disbursed) return 0;
if (pCredit.AllInstallmentsRepaid) return 0;
if (!pCredit.BadLoan) return (pCredit.Amount - olb) * rate;
else return (pCredit.Amount) * rate;
}
private static OCurrency _LiabilitiesLoanLossBalance(Loan pCredit,ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.BadLoan)
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0)
return pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
else
return 0;
else
return 0;
}