private static OCurrency _BadLoanBalance(Loan pCredit, int badLoanDays)
{
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
if (pastDueDays <= badLoanDays && pastDueDays != 0)
return pCredit.GetOlb();
return 0;
}
private static OCurrency _CashCreditBalance(Loan pCredit)
{
if (!pCredit.Disbursed || pCredit.Rescheduled) return 0;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0)
return pCredit.GetOlb();
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 _UnrecoverableBadLoanBalance(Loan pCredit, int badLoanDays, int writeOffDays)
{
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
if (pastDueDays > badLoanDays && pastDueDays <= writeOffDays)
return pCredit.GetOlb();
return 0;
}
private static OCurrency _RescheduledLoanBalance(Loan pCredit)
{
return pCredit.Rescheduled ? pCredit.GetOlb() : 0;
}
private static OCurrency _ProvisionWriteOffBalance(Loan pCredit, int writeOffDays)
{
OCurrency balance = 0;
if (pCredit.WrittenOff || pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return pCredit.GetOlb();
foreach (BadLoanRepaymentEvent e in pCredit.Events.GetEventsByType(typeof(BadLoanRepaymentEvent)))
{
balance += e.AccruedProvision;
}
return balance;
}
private static OCurrency _LoanLossReserveBalance(Loan pCredit, ProvisionTable pProvisionningTable, int writeOffDays)
{
OCurrency theoricBalance = 0;
if (!pCredit.Disbursed) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return theoricBalance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate >= TimeProvider.Today)
break;
theoricBalance += (installment.InterestsRepayment - installment.PaidInterests);
}
theoricBalance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
theoricBalance += pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(pastDueDays).Rate);
OCurrency realBalance = 0;
return theoricBalance > realBalance ? theoricBalance : realBalance;
}
private static OCurrency _LoanLossBalance(Loan pCredit, int writeOffDays)
{
if (pCredit.WrittenOff || pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return pCredit.GetOlb();
return 0;
}
private static OCurrency _LiabilitiesLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.BadLoan)
return pCredit.GetPastDueDays(TimeProvider.Today) == 0
? pCredit.GetOlb()* Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate)
: 0;
return 0;
}
private static OCurrency _RescheduledLoanBalance(Loan pCredit)
{
if (pCredit.Rescheduled)
return pCredit.GetOlb();
else
return 0;
}