public NonWorkingDateManagement(User pUser)
: base(pUser)
{
_user = pUser;
dbParam = ApplicationSettings.GetInstance(pUser.Md5);
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance(_user.Md5);
}
public CreditContractRepayment(Loan contract, CreditContractOptions creditOptions, DateTime pDate,int pInstallmentNumber, User user, ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_date = pDate.Date;
_installmentNumber = pInstallmentNumber;
PaidIstallments = new List<Installment>();
_amountToRepayTotalyLoan = new CalculateMaximumAmountToRepayStrategy(creditOptions, contract.Copy(), user, _generalSettings,_nWds);
_amountToRegradingLoan = new CalculateMaximumAmountToRegradingLoanStrategy(creditOptions, contract.Copy(), user, _generalSettings, _nWds);
_amountToRepayInstallment = new CalculateAmountToRepaySpecifiedInstallmentStrategy(creditOptions, contract.Copy(), user, _generalSettings, _nWds);
_calculateInstallments = new Repayment.RepayLateInstallments.CalculateInstallments(creditOptions, contract, user, _generalSettings, _nWds);
_calculateRealInterestInstallments = new CalculateRealInterestInstallments(creditOptions, _amountToRepayTotalyLoan, contract, _generalSettings, _nWds);
_feesForAnticipatedRepayment = new CalculateAnticipatedFeesStrategy(creditOptions, contract, _generalSettings);
_repayNextInstallments = new RepayNextInstallmentsStrategy(contract, creditOptions, user, _generalSettings);
_repaymentMethod = new RepaymentMethod(contract,creditOptions);
_loan = contract;
CalculateMaximumAmountAuthorizedToRepay();
CalculateAmountToRegradingLoan();
CalculateMaximumAmountForEscapedMember();
LoanOptions = creditOptions;
}
public void TestIfPublicHolidaysAreCorrectlyFilled()
{
nonWorkingDateHelper = nonWorkingDateManager.FillNonWorkingDateHelper();
Assert.AreEqual(3, nonWorkingDateHelper.PublicHolidays.Count);
Assert.AreEqual("Idi Navruz", nonWorkingDateHelper.PublicHolidays[new DateTime(2006, 3, 21)]);
nonWorkingDateHelper = nonWorkingDateManager.FillNonWorkingDateHelper();
Assert.AreEqual(3, nonWorkingDateHelper.PublicHolidays.Count);
}
public CalculateAmountToRepaySpecifiedInstallmentStrategy(CreditContractOptions pCCo,Loan pContract, User pUser,
ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_contract = pContract;
_cCo = pCCo;
}
public CalculateMaximumAmountToRegradingLoanStrategy(CreditContractOptions pCCo,Loan pContract, User pUser,
ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_contract = pContract;
_cCo = pCCo;
}
public CalculateInstallments(CreditContractOptions pCco, Loan pContract, User pUser, ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_contract = pContract;
_cCo = pCco;
_methodToRepayFees = new RepayFeesStrategy(pCco);
_methodToRepayInterest = new RepayInterestStrategy(pCco);
_methodToRepayCommission = new RepayCommisionStrategy(pCco);
PaidIstallments = new List<Installment>();
}
public RescheduleLoanEvent Reschedule(ReschedulingOptions ro, Loan contract, NonWorkingDateSingleton nwdS, ApplicationSettings applicationSettings)
{
_contract = contract;
_nwdS = nwdS;
_generalSettings = applicationSettings;
switch (contract.Product.LoanType)
{
case OLoanTypes.Flat:
_Reschedule_Flat(ro);
break;
case OLoanTypes.DecliningFixedPrincipal:
_Reschedule_FixedPrincipal(ro);
break;
case OLoanTypes.DecliningFixedInstallments:
_Reschedule_DecliningFixedInstallments(ro);
break;
}
_Reschedule_AdjustOverpaid();
RescheduleLoanEvent rSe = new RescheduleLoanEvent
{
Date = ro.ReschedulingDate,
Amount = contract.CalculateActualOlb(),
Interest = contract.GetTotalInterestDue(),
ClientType = contract.ClientType,
BadLoan = contract.BadLoan,
NbOfMaturity = ro.NewInstallments,
DateOffset = ro.RepaymentDateOffset,
GracePeriod = ro.GracePeriod,
ChargeInterestDuringShift = ro.ChargeInterestDuringShift,
ChargeInterestDuringGracePeriod = ro.ChargeInterestDuringGracePeriod,
InstallmentNumber =
contract.GetLastFullyRepaidInstallment() == null
? 1
: contract.GetLastFullyRepaidInstallment().Number + 1
};
_contract.CalculateStartDates();
return rSe;
}
public static OCurrency FeesBasedOnInitialAmount(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure,
ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
if (pContract.NonRepaymentPenalties.InitialAmount != 0)
{
int pastDueDays = pForClosure ? pContract.CalculatePastDueForClosure(pDate) : pContract.CalculatePastDueSinceLastRepayment(pDate);
pastDueDays = _CalculatePastDueWithGeneralParameterForRepayment(pastDueDays, pGeneralSettings);
if (pContract.GracePeriodOfLateFees >= pastDueDays)
{
pastDueDays = 0;
}
OCurrency fees = pContract.Amount * Convert.ToDecimal(pContract.NonRepaymentPenalties.InitialAmount) * (double)pastDueDays;
OCurrency amount = pContract.UseCents ? Math.Round(fees.Value, 2, MidpointRounding.AwayFromZero) : Math.Round(fees.Value, 0, MidpointRounding.AwayFromZero);
if (pContract.WrittenOff && pGeneralSettings.IsStopWriteOffPenalty)
amount = 0;
return amount;
}
return 0;
}
private static int CountDaysOff(DateTime beginDate, DateTime endDate, ApplicationSettings pGeneralSettings,
NonWorkingDateSingleton pNonWorkingDate)
{
var dt = new DateTime();
int countDayOff = 0;
if (!pGeneralSettings.IsCalculationLateFeesDuringHolidays)
{
//count day off
for (int day = 1; day <= (endDate - beginDate).Days; day++)
{
//week end
if (!pGeneralSettings.DoNotSkipNonWorkingDays)
if (((int)(dt.DayOfWeek) == pGeneralSettings.WeekEndDay1) || ((int)(dt.DayOfWeek) == pGeneralSettings.WeekEndDay2))
countDayOff++;
//holidays
countDayOff += pNonWorkingDate.PublicHolidays.Keys.Count(publicHoliday => dt == publicHoliday);
dt = beginDate.AddDays(day);
}
}
return countDayOff;
}
public static OCurrency AnticipateFeesBasedOnOlb(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate, OPaymentType pPaymentType)
{
OCurrency fees = AnticipateCalculateFeesBasedOnOlb(pContract, pDate, pInstallmentNumber, pPaymentType);
return fees;
}
public void TestFixtureSetUp()
{
_user = new User();
_provisions = ProvisionTable.GetInstance(_user);
_provisions.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 30, Rate = 10 });
_provisions.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 31, NbOfDaysMax = 60, Rate = 25 });
_provisions.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 61, NbOfDaysMax = 90, Rate = 50 });
_provisions.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 91, NbOfDaysMax = 180, Rate = 75 });
_provisions.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 181, NbOfDaysMax = 365, Rate = 100 });
_provisions.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 366, NbOfDaysMax = 99999, Rate = 100 });
_daysOff = NonWorkingDateSingleton.GetInstance("");
_daysOff.WeekEndDay1 = 6;
_daysOff.WeekEndDay2 = 0;
ApplicationSettings settings = ApplicationSettings.GetInstance("");
settings.DeleteAllParameters();
settings.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
settings.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, false);
settings.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
settings.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
settings.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
}
public NonWorkingDateManagement(string testDB)
: base(testDB)
{
dbParam = ApplicationSettings.GetInstance("");
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
}
public void TestIfWeekEndDaysAreCorrectlyFilled()
{
nonWorkingDateHelper = nonWorkingDateManager.FillNonWorkingDateHelper();
Assert.AreEqual(6, nonWorkingDateHelper.WeekEndDay1);
Assert.AreEqual(0, nonWorkingDateHelper.WeekEndDay2);
}
public static OCurrency CalculateAnticipateRepayment(Loan pContract, DateTime pDate, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate, OPaymentType pPaymentType)
{
Installment pInstallment = null;
OCurrency interests = 0;
Installment priorInstallment;
OCurrency olb = 0;
OCurrency fees = 0;
OCurrency ammountHasToPay = 0;
for (int i = 0; i < pContract.NbOfInstallments; i++)
{
Installment installment = pContract.GetInstallment(i);
if (!installment.IsRepaid && installment.ExpectedDate > pDate)
{
if (pInstallment == null)
{
pInstallment = installment;
if (olb == 0)
{
olb = pContract.CalculateExpectedOlb(pInstallment.Number, false);
}
//is case APR on the first installment
DateTime expectedDate;
if (i == 0)
{
expectedDate = pContract.StartDate;
}
else
{
priorInstallment = pContract.GetInstallment(i - 1);
expectedDate = priorInstallment.ExpectedDate;
}
int daySpan = (pDate - expectedDate).Days < 0 ? 0 : (pDate - expectedDate).Days;
int daysInMonth = DateTime.DaysInMonth(pDate.Year, pDate.Month);
if (pGeneralSettings.AccountingProcesses == OAccountingProcesses.Accrual)
{
interests = pInstallment.InterestsRepayment * daySpan / daysInMonth;
}
else
{
interests = pInstallment.ExpectedDate > pDate ? 0 : pInstallment.InterestsRepayment;
}
}
fees += CalculateCommision(pContract, pDate, installment.Number, pPaymentType, pGeneralSettings);
}
if (!installment.IsRepaid && installment.ExpectedDate <= pDate)
{
ammountHasToPay += installment.InterestsRepayment + installment.PrincipalHasToPay;
}
}
if (interests != 0)
interests = pContract.UseCents ? Math.Round(interests.Value, 2) : Math.Round(interests.Value, 0);
OCurrency amount = interests + fees + ammountHasToPay;
return amount;
}
public Loan(LoanProduct pAckage, OCurrency pAmount, decimal pInterestRate, int pNbOfInstallments, int pGracePeriod,
DateTime pStartDate, DayOfWeek? meetingDay, User pUser, ApplicationSettings pGeneralSettings,
NonWorkingDateSingleton pNwds, ProvisionTable pPt, ChartOfAccounts pChartOfAccounts)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nwdS = pNwds;
Product = pAckage;
NonRepaymentPenalties = new NonRepaymentPenalties();
_events = new EventStock();
_guarantors = new List<Guarantor>();
_collaterals = new List<ContractCollateral>();
_installmentType = pAckage.InstallmentType;
_amount = pAmount;
_interestRate = pInterestRate;
_nbOfInstallments = pNbOfInstallments;
GracePeriod = pGracePeriod;
CreationDate = pStartDate;
_startDate = pStartDate;
_firstInstallmentDate = CalculateInstallmentDate(pStartDate, 1);
if (meetingDay.HasValue)
_firstInstallmentDate = GetMeetingDate(_firstInstallmentDate, meetingDay);
_alignAlignDisbursementDate = CalculateAlignDisbursementDate(_firstInstallmentDate);
//with this constructor, installment are directly calculated when a new CreditContract is instanciated
_installmentList = CalculateInstallments(true);
CalculateStartDates();
}
/// <summary>
/// Instancy a new CreditContract. Use it if installments need'nt calculate
/// </summary>
/// <param name="pUser"></param>
/// <param name="pGeneralSettings"></param>
/// <param name="pNwds"></param>
/// <param name="pPt"></param>
/// <param name="pChartOfAccounts"></param>
public Loan(User pUser, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNwds, ProvisionTable pPt, ChartOfAccounts pChartOfAccounts)
{
_user = pUser;
_generalSettings = pGeneralSettings;
_nwdS = pNwds;
NonRepaymentPenalties = new NonRepaymentPenalties();
_installmentList = new List<Installment>();
_guarantors = new List<Guarantor>();
_collaterals = new List<ContractCollateral>();
_events = new EventStock();
}
public void TestFixtureSetUp()
{
_generalSettings = ApplicationSettings.GetInstance("");
_generalSettings.DeleteAllParameters();
_generalSettings.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
_generalSettings.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
_generalSettings.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
_generalSettings.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
_generalSettings.AddParameter(OGeneralSettings.BAD_LOAN_DAYS, "180");
_generalSettings.AddParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
_generalSettings.AddParameter(OGeneralSettings.USE_DAILY_ACCRUAL_OF_PENALTY, false);
_provisionningTable = ProvisionTable.GetInstance(new User());
_provisionningTable.ProvisioningRates = new List<ProvisioningRate>();
_provisionningTable.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 30, ProvisioningValue = 10 });
_provisionningTable.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 31, NbOfDaysMax = 60, ProvisioningValue = 25 });
_provisionningTable.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 61, NbOfDaysMax = 90, ProvisioningValue = 50 });
_provisionningTable.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 91, NbOfDaysMax = 180, ProvisioningValue = 75 });
_provisionningTable.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 181, NbOfDaysMax = 365, ProvisioningValue = 100 });
_provisionningTable.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 366, NbOfDaysMax = 99999, ProvisioningValue = 100 });
_nonWorkingDate = NonWorkingDateSingleton.GetInstance("");
_nonWorkingDate.PublicHolidays = new Dictionary<DateTime, string>();
_nonWorkingDate.WeekEndDay1 = 0;
_nonWorkingDate.WeekEndDay2 = 1;
}
public static OCurrency AnticipateFeesBasedOnOverdueInterest(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate, OPaymentType pPaymentType)
{
OCurrency fees = _AnticipateCalculateNonRepaymentPenalties(pContract, pDate, pInstallmentNumber, pPaymentType, pGeneralSettings);
return fees.Value;
}
public void TestFixtureSetUp()
{
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
nonWorkingDateHelper.WeekEndDay1 = 6;
nonWorkingDateHelper.WeekEndDay2 = 0;
nonWorkingDateHelper.PublicHolidays = new Dictionary<DateTime, string>();
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,1,1),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,8),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,21),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,22),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,5,1),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,5,9),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,6,27),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,9,9),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,11,6),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,11,26),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,1,6),"Christmas");
dataParam = ApplicationSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.USECENTS, true);
dataParam.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
dataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
dataParam.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
dataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
}
public void TestFixtureSetUp()
{
ProvisionTable provisionTable = ProvisionTable.GetInstance(new User());
provisionTable.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 30, ProvisioningValue = 10, ProvisioningInterest = 10, ProvisioningPenalty = 10 });
provisionTable.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 31, NbOfDaysMax = 60, ProvisioningValue = 25, ProvisioningInterest = 25, ProvisioningPenalty = 25 });
provisionTable.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 61, NbOfDaysMax = 90, ProvisioningValue = 50, ProvisioningInterest = 50, ProvisioningPenalty = 50 });
provisionTable.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 91, NbOfDaysMax = 180, ProvisioningValue = 75, ProvisioningInterest = 75, ProvisioningPenalty = 75 });
provisionTable.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 181, NbOfDaysMax = 365, ProvisioningValue = 100, ProvisioningInterest = 100, ProvisioningPenalty = 100 });
provisionTable.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 366, NbOfDaysMax = 99999, ProvisioningValue = 100, ProvisioningInterest = 100, ProvisioningPenalty = 100 });
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
nonWorkingDateHelper.WeekEndDay1 = 6;
nonWorkingDateHelper.WeekEndDay2 = 0;
nonWorkingDateHelper.PublicHolidays = new Dictionary<DateTime, string>
{
{new DateTime(2006, 1, 1), "New Year Eve"},
{new DateTime(2006, 12, 25), "Christmas"}
};
dataParam = ApplicationSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
dataParam.AddParameter(OGeneralSettings.OLBBEFOREREPAYMENT, true);
dataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
dataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
}
public void TestFixtureSetUp()
{
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
nonWorkingDateHelper.WeekEndDay1 = 6;
nonWorkingDateHelper.WeekEndDay2 = 0;
nonWorkingDateHelper.PublicHolidays = new Dictionary<DateTime, string>();
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 1, 1), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 3, 8), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 3, 21), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 3, 22), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 5, 1), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 5, 9), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 6, 27), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 9, 9), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 11, 6), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 11, 26), "New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006, 1, 6), "Christmas");
ApplicationSettings generalParameters = ApplicationSettings.GetInstance("");
generalParameters.DeleteAllParameters();
generalParameters.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
generalParameters.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
generalParameters.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
generalParameters.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
generalParameters.AddParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
generalParameters.AddParameter(OGeneralSettings.INTEREST_RATE_DECIMAL_PLACES, 2);
ApplicationSettings.GetInstance("").UpdateParameter("CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS", true);
}
private static OCurrency CalculateNonRepaymentPenalties(Loan pContract, DateTime pDate, int installmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(installmentNumber - 1);
DateTime date = installment.ExpectedDate;
// Calulating of fee in case of previous installment's fee is written off
if (installment.PaidCapital + installment.PaidInterests > 0 && installment.PaidFees == 0 && installment.FeesUnpaid > 0)
{
if (pDate < installment.ExpectedDate)
date = pDate;
else
{
var last = pContract.InstallmentList.FindLast(i => i.PaidDate != null);
if (last != null && last.PaidDate != null) date = last.PaidDate.Value;
}
}
//
foreach (RepaymentEvent rPayment in pContract.Events.GetRepaymentEvents())
{
if (rPayment.Date == pDate && rPayment.Deleted == false && installmentNumber == rPayment.InstallmentNumber)
{
date = pDate;
}
if (rPayment.InstallmentNumber <= installment.Number && rPayment.Deleted == false && rPayment.Date != pDate && pDate > installment.ExpectedDate && installment.PaidFees != 0)
{
date = rPayment.Date <= installment.ExpectedDate ? installment.ExpectedDate : rPayment.Date;
}
}
int nbOfDays = (pDate - date).Days < 0 ? 0 : (pDate - date).Days;
nbOfDays = nbOfDays - CountDaysOff(date, pDate, pGeneralSettings, pNonWorkingDate);
nbOfDays = _CalculatePastDueWithGeneralParameterForRepayment(nbOfDays, pGeneralSettings);
if (pContract.GracePeriodOfLateFees >= nbOfDays)
{
nbOfDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB - installment.PaidCapital;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
decimal amount = amountHasToPay.Value * Convert.ToDecimal(penalties) * nbOfDays;
amount = pContract.UseCents ? Math.Round(amount, 2, MidpointRounding.AwayFromZero) : Math.Round(amount, 0, MidpointRounding.AwayFromZero);
if (pContract.WrittenOff && pGeneralSettings.IsStopWriteOffPenalty)
amount = 0;
return amount;
}
private static OCurrency _CalculateNonRepaymentPenaltiesForClosure(Loan pContract, DateTime pDate, int pInstallmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(pInstallmentNumber - 1);
if (pDate <= installment.ExpectedDate) return 0;
DateTime baseDate = DateTime.MinValue;
DateTime dateForInstallment = installment.PaidDate.HasValue ? installment.PaidDate.Value : installment.ExpectedDate;
if (baseDate == DateTime.MinValue)
{
baseDate = dateForInstallment;
}
else
{
if (baseDate < dateForInstallment)
baseDate = dateForInstallment;
}
int pstDueDays = (pDate - baseDate).Days < 0 ? 0 : (pDate - baseDate).Days;
pstDueDays = pstDueDays - CountDaysOff(baseDate, pDate, pGeneralSettings, pNonWorkingDate);
if(pContract.GracePeriodOfLateFees >= pstDueDays)
{
pstDueDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
return amountHasToPay * penalties * pstDueDays;
}
public void TestFixtureSetUp()
{
nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
nonWorkingDateHelper.WeekEndDay1 = 6;
nonWorkingDateHelper.WeekEndDay2 = 0;
nonWorkingDateHelper.PublicHolidays = new Dictionary<DateTime, string>();
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,1,1),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,8),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,21),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,3,22),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,5,1),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,5,9),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,6,27),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,9,9),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,11,6),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,11,26),"New Year Eve");
nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,1,6),"Christmas");
_provisionningTable = ProvisionTable.GetInstance(new User());
_provisionningTable.ProvisioningRates = new List<ProvisioningRate>();
_provisionningTable.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 0, ProvisioningValue = 0.02 });
_provisionningTable.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 1, NbOfDaysMax = 30, ProvisioningValue = 0.1 });
_provisionningTable.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 31, NbOfDaysMax = 60, ProvisioningValue = 0.25 });
_provisionningTable.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 61, NbOfDaysMax = 90, ProvisioningValue = 0.5 });
_provisionningTable.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 91, NbOfDaysMax = 180, ProvisioningValue = 0.75 });
_provisionningTable.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 181, NbOfDaysMax = 365, ProvisioningValue = 1 });
_provisionningTable.Add(new ProvisioningRate { Number = 7, NbOfDaysMin = 366, NbOfDaysMax = 99999, ProvisioningValue = 1 });
dataParam = ApplicationSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
dataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
dataParam.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
dataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
dataParam.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
dataParam.AddParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
dataParam.AddParameter(OGeneralSettings.BAD_LOAN_DAYS, "180");
dataParam.AddParameter(OGeneralSettings.INTEREST_RATE_DECIMAL_PLACES, 2);
dataParam.AddParameter(OGeneralSettings.USE_DAILY_ACCRUAL_OF_PENALTY, false);
}
public static OCurrency FeesBasedOnOlb(Loan pContract, DateTime pDate, int pInstallmentNumber, bool pForClosure,
ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
if (pContract.NonRepaymentPenalties.OLB != 0)
{
OCurrency fees = pForClosure
? _CalculateNonRepaymentPenaltiesForClosure(pContract, pDate, pInstallmentNumber, OLateRepaymentTypes.Olb,
pGeneralSettings, pNonWorkingDate)
: CalculateNonRepaymentPenalties(pContract, pDate, pInstallmentNumber, OLateRepaymentTypes.Olb,
pGeneralSettings, pNonWorkingDate);
return fees;
}
return 0;
}
public void TestFixtureSetUp()
{
ProvisionTable provisionTable = ProvisionTable.GetInstance(new User());
provisionTable.Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 30, ProvisioningValue = 10, ProvisioningInterest = 10, ProvisioningPenalty = 10 });
provisionTable.Add(new ProvisioningRate { Number = 2, NbOfDaysMin = 31, NbOfDaysMax = 60, ProvisioningValue = 25, ProvisioningInterest = 25, ProvisioningPenalty = 25 });
provisionTable.Add(new ProvisioningRate { Number = 3, NbOfDaysMin = 61, NbOfDaysMax = 90, ProvisioningValue = 50, ProvisioningInterest = 50, ProvisioningPenalty = 50 });
provisionTable.Add(new ProvisioningRate { Number = 4, NbOfDaysMin = 91, NbOfDaysMax = 180, ProvisioningValue = 75, ProvisioningInterest = 75, ProvisioningPenalty = 75 });
provisionTable.Add(new ProvisioningRate { Number = 5, NbOfDaysMin = 181, NbOfDaysMax = 365, ProvisioningValue = 100, ProvisioningInterest = 100, ProvisioningPenalty = 100 });
provisionTable.Add(new ProvisioningRate { Number = 6, NbOfDaysMin = 366, NbOfDaysMax = 99999, ProvisioningValue = 100, ProvisioningInterest = 100, ProvisioningPenalty = 100 });
_nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
_nonWorkingDateHelper.WeekEndDay1 = 6;
_nonWorkingDateHelper.WeekEndDay2 = 0;
_nonWorkingDateHelper.PublicHolidays = new Dictionary<DateTime, string>();
_nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,1,1),"New Year Eve");
_nonWorkingDateHelper.PublicHolidays.Add(new DateTime(2006,12,25),"Christmas");
ApplicationSettings dataParam = ApplicationSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
dataParam.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
dataParam.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
dataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
dataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
dataParam.AddParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
dataParam.AddParameter(OGeneralSettings.INTEREST_RATE_DECIMAL_PLACES, 2);
}
public Guarantee(User pUser, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNwds, ProvisionTable pPt)
{
}
