/// <summary>
/// Updates an existing loan in a loan request.
/// </summary>
/// <param name="financialInstitutionName">financialInstitution</param>
/// <param name="workingCapitalLoan">workingCapitalLoan</param>
/// <param name="interestRateId">interestRateId</param>
/// <remarks>This function will update the Credit Line amounts only if the
/// loan request has been completed.</remarks>
public void UpdateLoanRequestLoanInformation(string financialInstitutionName,
Loan loan,
int interestRateId,
int loanId,
int loanVersion)
{
try
{
IFinancialInstitutionDAO financialInstitutionDAO = _daoFactory.GetFinancialInstitutionDAO ();
IInterestRateDAO interestRateDAO = _daoFactory.GetInterestRateDAO ();
ILoanDAO loanDAO = _daoFactory.GetLoanDAO ();
//Before anything happens, lets verify the Id's match the given loan Id.
if ((loan.Id != loanId) || (loan.Version != loanVersion))
{
throw new ZiblerBusinessComponentsException (Resources.RecordNotFound);
}
/* Check that the loan has a valid amount */
if (loan.LoanedAmount <= 0)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgInvalidLoanAmount);
}
//If it is an Administrator, they may choose to leave the Start Date Blank
//so the system will determine the Start Date automatically, however, they
//may still want to override the default parameters, that is why I check for
//the Interest Rate Id. Interest Rate Id won't be reported if they have not
//selected one.
if (loan.StartDate == null && interestRateId == 0)
{
FinancialInstitution financialInstitution
= financialInstitutionDAO.GetFinancialInstitutionByName (
financialInstitutionName);
//Look for the Loan Bracket.
if (!financialInstitution.LoanBrackets.IsEmpty)
{
//We need to know what was the last request from the client
//to whom the Loan Request belongs to.
//TODO: It may be a better idea to calculate the max amount
// using the database, rather than retrieven the records and
// performing the operation here.
Client client = loan.LoanRequest.Client;
decimal maxTotalAmount = 0m;
foreach (LoanRequest existingLoanRequest in client.LoanRequests)
{
/* Any loan request that has been approved is ok. The system allows
* them to register loan requests even if they have not fully
* paid the previous ones */
if (existingLoanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada
|| existingLoanRequest.LoanRequestStatus == LoanRequestStatus.Corriente
|| existingLoanRequest.LoanRequestStatus == LoanRequestStatus.Vencida
|| existingLoanRequest.LoanRequestStatus == LoanRequestStatus.ExtraJudicial
|| existingLoanRequest.LoanRequestStatus == LoanRequestStatus.JudicialAltoRiesgo
|| existingLoanRequest.LoanRequestStatus == LoanRequestStatus.Pagada)
{
decimal loanReqTotalAmount = 0.0m;
foreach (Loan existingLoan in existingLoanRequest.Loans)
{
loanReqTotalAmount = loanReqTotalAmount +
existingLoan.LoanedAmount;
}
//If this is higher, then use it.
if (loanReqTotalAmount > maxTotalAmount)
maxTotalAmount = loanReqTotalAmount;
}
}
//Order the loan brackets
IList<LoanBracket> orderLoanBrackets = new List<LoanBracket> ();
//Copy the list to a structure that will make it easier to work with.
foreach (LoanBracket existingLoanBracket in
financialInstitution.LoanBrackets)
{
orderLoanBrackets.Add (existingLoanBracket);
}
// TODO: Improve sorting algorithm
// Sorting: Bubble Sort
for (int i = orderLoanBrackets.Count - 1; i >= 0; i--)
{
for (int j = 1; j <= i; j++)
{
if (orderLoanBrackets[j - 1].MinimumAmount >
orderLoanBrackets[j].MinimumAmount)
{
LoanBracket temp = orderLoanBrackets[j - 1];
orderLoanBrackets[j - 1] = orderLoanBrackets[j];
orderLoanBrackets[j] = temp;
}
}
}
decimal maxAmountAllowed = 0;
decimal minAmountAllowed = 0;
LoanParameter loanParameterToUse = null;
//It is a new loan request, then use the lowest bracket
if (maxTotalAmount <= 0)
{
//Take the first loan bracket. I would not be here
//if there was not at least one bracket.
maxAmountAllowed = orderLoanBrackets[0].MaximumAmount;
minAmountAllowed = orderLoanBrackets[0].MinimumAmount;
foreach (LoanParameter loanParamInBracket in
orderLoanBrackets[0].LoanParameters)
{
if (loanParamInBracket.LoanType == loan.LoanType)
{
loanParameterToUse = loanParamInBracket;
break;
}
}
}
else
{
bool bracketFound = false;
//Search for the appropriate bracket.
for (int i = 0; i < orderLoanBrackets.Count; i++)
{
decimal currentMaxAmnt = orderLoanBrackets[i].MaximumAmount;
decimal currentMinAmnt = orderLoanBrackets[i].MinimumAmount;
//If we have found the bracket for the maximum amount
//the user has ever borrowed, then we step up to the next
//bracket.
if (maxTotalAmount <= currentMaxAmnt &&
maxTotalAmount >= currentMinAmnt)
{
//indicate we have found a bracket for the max amount
//ever borrowd
bracketFound = true;
//If there is another Loan Bracket
if (i + 1 <= orderLoanBrackets.Count)
{
maxAmountAllowed = orderLoanBrackets[i + 1].MaximumAmount;
minAmountAllowed = orderLoanBrackets[i + 1].MinimumAmount;
foreach (LoanParameter loanParamInBracket in
orderLoanBrackets[i + 1].LoanParameters)
{
if (loanParamInBracket.LoanType == loan.LoanType)
{
loanParameterToUse = loanParamInBracket;
break;
}
}
}
else
{
//If there are no more brackets
//use this one.
maxAmountAllowed = orderLoanBrackets[i].MaximumAmount;
minAmountAllowed = orderLoanBrackets[i].MinimumAmount;
foreach (LoanParameter loanParamInBracket in
orderLoanBrackets[i].LoanParameters)
{
if (loanParamInBracket.LoanType == loan.LoanType)
{
loanParameterToUse = loanParamInBracket;
break;
}
}
}
}
}
//If there are brackets registered in the system
//but we could not find one which would fit the maximum
//amount the client have ever requested then, we will simply
//use the first one. We will then leave it up to an
//administrator to change the loan amounts.
if (!bracketFound)
{
//Take the first loan bracket.
maxAmountAllowed = orderLoanBrackets[0].MaximumAmount;
minAmountAllowed = orderLoanBrackets[0].MinimumAmount;
foreach (LoanParameter loanParamInBracket in
orderLoanBrackets[0].LoanParameters)
{
if (loanParamInBracket.LoanType == loan.LoanType)
{
loanParameterToUse = loanParamInBracket;
break;
}
}
}
}
//Now that we have the data we will use for max/min amounts
//and parameters we have to run a check to make sure the user
//is within the min and max parameters.
decimal amntAlrdyRqsted = 0m;
foreach (Loan requestLoan in loan.LoanRequest.Loans)
{
//Only account for the loans that are not the same.
//other wise I will end up counting twice.
if (requestLoan.Id != loan.Id)
amntAlrdyRqsted = amntAlrdyRqsted + requestLoan.LoanedAmount;
}
decimal amntCheck = loan.LoanedAmount + amntAlrdyRqsted;
//if we are within boundaries
if (amntCheck <= maxAmountAllowed && amntCheck >= minAmountAllowed)
{
if (loanParameterToUse == null) //There no loan parameters setup for the loan bracket
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgNoParameterExistsForLoanBracket);
//Setup the parameters for the loan.
loan.AmortizationTableType = loanParameterToUse.AmortizationTableType;
loan.GracePeriod = loanParameterToUse.GracePeriod;
loan.GrossEarningsMargin = loanParameterToUse.GrossEarningsMargin;
loan.NumberOfAmortizations = loanParameterToUse.NumberOfAmortizations;
loan.OverdueRateFactor = loanParameterToUse.OverdueRateFactor;
loan.OverdueRateAmount = loanParameterToUse.OverdueRateAmount;
loan.PaymentFrequency = loanParameterToUse.PaymentFrequency;
//Now get the interest rate
loan.InterestRate = loanParameterToUse.InterestRate;
/* Clear any previous commissions */
loan.ClearAllApplicableCommissions ();
//Get the applicable commissions
foreach (LoanCommission commissionToApply in
loanParameterToUse.LoanCommissions)
{
LoanApplicableCommission newCommission = new LoanApplicableCommission ();
newCommission.Amount = commissionToApply.Amount;
newCommission.Concept = commissionToApply.Concept;
newCommission.RateOverAmount = commissionToApply.RateOverAmount;
loan.AddLoanApplicableCommission (newCommission);
}
}
else
{
throw new ZiblerBusinessComponentsException (
String.Format (
Resources.LoanRequestOperationsMsgAmountOutOfBoundariesForBracket,
minAmountAllowed.ToString ("C"),
maxAmountAllowed.ToString ("C")));
}
}
/* There are no brackets */
else
{
bool defaultParamFound = false;
//If the loan bracket was not found, look for the default parameters
foreach (LoanParameter existingParam in financialInstitution.LoanParameters)
{
//Look for the default parameter for this type of loan.
if (existingParam.IsDefault && existingParam.LoanType == loan.LoanType)
{
defaultParamFound = true;
loan.AmortizationTableType = existingParam.AmortizationTableType;
loan.GracePeriod = existingParam.GracePeriod;
loan.GrossEarningsMargin = existingParam.GrossEarningsMargin;
loan.NumberOfAmortizations = existingParam.NumberOfAmortizations;
loan.OverdueRateFactor = existingParam.OverdueRateFactor;
loan.OverdueRateAmount = existingParam.OverdueRateAmount;
loan.PaymentFrequency = existingParam.PaymentFrequency;
//Now get the interest rate
loan.InterestRate = existingParam.InterestRate;
/* Clear any applicable commissions */
loan.ClearAllApplicableCommissions ();
//Get the applicable commissions
foreach (LoanCommission commissionToApply in
existingParam.LoanCommissions)
{
LoanApplicableCommission newCommission = new LoanApplicableCommission ();
newCommission.Amount = commissionToApply.Amount;
newCommission.Concept = commissionToApply.Concept;
newCommission.RateOverAmount = commissionToApply.RateOverAmount;
loan.AddLoanApplicableCommission (newCommission);
}
break;
}
}
//There are no Default parameters
if (!defaultParamFound)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgNoDefaultParameterExists);
}
}
}
/* Use the parameters entered by the user. */
else
{
InterestRate interestRate = interestRateDAO.FindById (interestRateId);
//No interest rate is available
if (interestRate == null)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgNoInterestRateExists);
}
loan.InterestRate = interestRate;
}
//After we have updated the loan information we need to update
//the Credit Line amounts.
//To do that we need to get the loan old amount first, to verify
//if there is a new amount that we need to update.
decimal oldAmount = loanDAO.GetOldLoanAmount (loan.Id);
//If the amounts are different, then we will go ahead
//and update the Credit Line.
if (oldAmount != loan.LoanedAmount)
{
/* Update the loan request no matter what state it is. */
if (loan.LoanRequest.CreditLine != null)
{
CreditLine loanRequestCreditLine = loan.LoanRequest.CreditLine;
//First we verify the status of the credit line. Only
//active credit lines can be associated with LoanRequests
if (loanRequestCreditLine.CreditLineStatus ==
CreditLineStatus.Suspendida)
{
throw new ZiblerBusinessComponentsException (
Resources.CreditLineOperationsMsgCreditLineMustBeActiveForAssociation);
}
/* Determine what values in the credit line to update based on the
* status of the loan request */
if (loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Capturada ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Condicionada ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.EnCaptura ||
loan.LoanRequest.LoanRequestStatus ==
LoanRequestStatus.ExpedienteIntegrado)
{
//Restore credit line balance
loanRequestCreditLine.AmountInRequestedLoans = loanRequestCreditLine.AmountInRequestedLoans -
oldAmount;
loanRequestCreditLine.AvailableAmount = loanRequestCreditLine.AvailableAmount +
oldAmount;
//If there is not enough money in the credit line to associate
// we raise an exception indicating the problem.
if (loanRequestCreditLine.AvailableAmount < loan.LoanedAmount)
{
throw new ZiblerBusinessComponentsException (
Resources.CreditLineOperationsMsgNotEnoughMoneyInCreditLine);
}
//Update credit line with new numbers.
loanRequestCreditLine.AmountInRequestedLoans = loanRequestCreditLine.AmountInRequestedLoans +
loan.LoanedAmount;
loanRequestCreditLine.AvailableAmount = loanRequestCreditLine.AvailableAmount -
loan.LoanedAmount;
}
else if (loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Corriente ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.ExtraJudicial ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.JudicialAltoRiesgo ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Vencida)
{
loanRequestCreditLine.AmountInAuthorizedLoans = loanRequestCreditLine.AmountInAuthorizedLoans -
oldAmount;
loanRequestCreditLine.AvailableAmount = loanRequestCreditLine.AvailableAmount +
oldAmount;
//If there is not enough money in the credit line to associate
// we raise an exception indicating the problem.
if (loanRequestCreditLine.AvailableAmount < loan.LoanedAmount)
{
throw new ZiblerBusinessComponentsException (
Resources.CreditLineOperationsMsgNotEnoughMoneyInCreditLine);
}
loanRequestCreditLine.AmountInAuthorizedLoans = loanRequestCreditLine.AmountInAuthorizedLoans +
loan.LoanedAmount;
loanRequestCreditLine.AvailableAmount = loanRequestCreditLine.AvailableAmount -
loan.LoanedAmount;
}
}
}
/* Now lets update the payment schedule for the loan for those loans
* that have been approved already */
if (loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Corriente ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.ExtraJudicial ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.JudicialAltoRiesgo ||
loan.LoanRequest.LoanRequestStatus == LoanRequestStatus.Vencida)
{
//TODO: Should I do this here, or when they print the pagare.
ZiblerFinanceUtilities util = new ZiblerFinanceUtilities ();
AmortizationFactory amrtztnFctry = new AmortizationFactory ();
if (loan.StartDate == null)
loan.StartDate = loan.LoanRequest.LoanAuthorizationDate;
else if (loan.StartDate != loan.LoanRequest.LoanAuthorizationDate)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgLoanStartDateAndAuthorizationDateAreNotEqual);
}
/* After setting the checks and setting the start date, then calculate the end
* date */
/* Calculate the Last payment date for this loan */
DateTime endDate = util.GetPaymentNumberDate (
Convert.ToDateTime (loan.StartDate),
loan.NumberOfAmortizations,
loan.PaymentFrequency,
Country.Mexico);
loan.EndDate = endDate;
/* Calculate the payments for this loan, and save them to the database.
* This is to ease the report operations later */
Amortization amortization = amrtztnFctry.CreateAmortization (
loan.AmortizationTableType,
loan.LoanedAmount,
loan.NumberOfAmortizations,
loan.PaymentFrequency,
0,
loan.GracePeriod,
loan.StartDate.Value,
0);
//Calculate the amortization.
amortization.CalculateAmortizationTable ();
/* Add the payment dates */
util.AddAmortizationPaymentDates (amortization.AmortizationTable,
amortization.StartDate,
amortization.PaymentFrequency,
Country.Mexico);
/* Remove all payment schedules. This will guarantee that only
* the correct information will be stored in the database */
loan.RemoveAllPaymentSchedules ();
/* Add the Payment Schedule */
foreach (AmortizationEntry entry in amortization.AmortizationTable)
{
PaymentSchedule newSchedule = new PaymentSchedule ();
newSchedule.PaymentDate = entry.Date;
newSchedule.PaymentNumber = entry.Number;
loan.AddPaymentSchedule (newSchedule);
}
}
}
/* If the exception was thrown here, just pass it up */
catch (ZiblerBusinessComponentsException ex)
{
throw;
}
/* Catch any Data Layer or other exception and throw an unkown exception */
catch (Exception ex)
{
ZiblerBusinessComponentsUnknownException exc
= new ZiblerBusinessComponentsUnknownException (ex);
/* Throw the new exception */
throw exc;
}
}
/// <summary>
/// Creates an amortization table using the given parameters
/// </summary>
/// <param name="loan">loan</param>
/// <param name="vat">vat</param>
/// <returns>Amortization Table</returns>
private Amortization CreateAmortizationTable(Loan loan, VAT vat)
{
AmortizationFactory amrtztnFctry = new AmortizationFactory ();
Amortization amortization;
//Before we continue, we need to get the applicable interest Rate.
//note that this is only for the Analysis, and because of this,
//then we will take the most active interest rate, if the loan request
//has not been approved, or the approved date.
DateTime? loanStartDate;
if (loan.StartDate == null)
loanStartDate = DateTime.Today;
else
loanStartDate = loan.StartDate;
DateTime? selectedDate = null;
decimal selectedInterest = 0.0m;
//TODO: Note that this code, will get all the values applicable to an interest rate.
// this may not be a big deal if they only register the value every month,
// but it may cause a problem after a couple years if the register the values
// every day.
//Look for the interest RAte
foreach (InterestRateValue value in loan.InterestRate.InterestRateValues)
{
DateTime? newDate = value.ValidFrom;
bool newDateLessEqualLoanDate
= !DateUtilities.IsFirstDateGreaterThanSecondDate (Convert.ToDateTime (newDate),
Convert.ToDateTime (loanStartDate));
if (newDateLessEqualLoanDate)
{
if (selectedDate == null)
{
selectedDate = newDate;
selectedInterest = value.Value;
}
else
{
bool isNewDateGreaterSelected =
DateUtilities.IsFirstDateGreaterThanSecondDate (Convert.ToDateTime (newDate),
Convert.ToDateTime (
selectedDate));
if (isNewDateGreaterSelected)
{
selectedDate = newDate;
selectedInterest = value.Value;
}
}
}
}
//Technically the selected date should never be null
if (selectedDate == null)
throw new ZiblerBusinessComponentsException (
Resources.LoanAnalysisMsgNoInterestRateAvailableCheckDates);
//Add the Gross Earnings Margin (margen de intermediacion) to the
//Interest Rate.
decimal interestToUse = selectedInterest + loan.GrossEarningsMargin;
amortization = amrtztnFctry.CreateAmortization (loan.AmortizationTableType,
loan.LoanedAmount,
loan.NumberOfAmortizations,
loan.PaymentFrequency,
interestToUse,
loan.GracePeriod,
Convert.ToDateTime (loanStartDate),
vat.Value);
//Calculate the amortization.
amortization.CalculateAmortizationTable ();
return amortization;
}
/// <summary>
/// Updates the information in the Loan Request
/// </summary>
/// <param name="loanRequest">Loan Request to update</param>
/// <param name="financialInstitutionName">Financial institution</param>
/// <remarks>
/// IT IS ABSOLUTLY NECESSARY THAT AFTER A LOAN REQUEST HAS BEEN CANCELLED,
/// REJECTED OR PAID, THEN THE SYSTEM WON'T ALLOW THEM TO UPDATE ANY DATA ON
/// THE REQUEST. IN FACT THIS FUNCTION SHOULD NOT BE CALLED EVER AGAIN
/// ON THE REQUEST, OTHERWISE THE CREDIT LINE AMOUNTS WILL NOT BE ACCURATE</remarks>
public void UpdateLoanRequestInformation(string financialInstitutionName,
LoanRequest loanRequest)
{
try
{
ICreditLineDAO creditLineDAO = _daoFactory.GetCreditLineDAO ();
ILoanRequestDAO loanRequestDAO = _daoFactory.GetLoanRequestDAO ();
IDepreciationForecastParametersDAO depreciationForecastParametersDAO = _daoFactory.GetDepreciationForecastParametersDAO ();
IFinancialForecastParametersDAO financialForecastParametersDAO = _daoFactory.GetFinancialForecastParametersDAO ();
IProjectFeasibilityParametersDAO projectFeasibilityParametersDAO = _daoFactory.GetProjectFeasibilityParametersDAO ();
string oldTrackingCode = loanRequestDAO.GetOldTrackingCode (loanRequest.Id);
//If the Request status has been changed to Aprobada
LoanRequestStatus previousLoanRequestState = loanRequestDAO.GetLoanRequestOldStatus (
loanRequest.Id);
/* Check the tracking code entered by the financial institution */
if (loanRequest.TrackingCode != null)
{
if (oldTrackingCode != loanRequest.TrackingCode)
{
//HACK: NOTE THAT I USE THE CLIENT OPERATIONS MESSAGE FOR THIS CHECK
if (loanRequestDAO.TrackingCodeExists (financialInstitutionName,
loanRequest.TrackingCode.Trim ()))
{
throw new ZiblerBusinessComponentsException (
Resources.ClientOperationsMsgLoanRequestTrackingCodeExists);
}
}
}
/* They have entered an authorization date, however the
* loan request is not approved yet */
if (loanRequest.LoanRequestStatus != LoanRequestStatus.Aprobada
&& loanRequest.LoanRequestStatus != LoanRequestStatus.Corriente
&& loanRequest.LoanRequestStatus != LoanRequestStatus.Vencida
&& loanRequest.LoanRequestStatus != LoanRequestStatus.ExtraJudicial
&& loanRequest.LoanRequestStatus != LoanRequestStatus.JudicialAltoRiesgo
&& loanRequest.LoanRequestStatus != LoanRequestStatus.Pagada
&& loanRequest.LoanRequestStatus != LoanRequestStatus.Cancelada)
{
if (loanRequest.LoanAuthorizationDate != null)
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgLoanRequestHasAuthDateButNoApproved);
}
/* Indicates if the authorization date has changed */
bool authDateChanged = false;
/* They marked the loan request approved or a status passed approved
* so check and make sure they have entered an authorization date.*/
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada ||
loanRequest.LoanRequestStatus == LoanRequestStatus.Corriente ||
loanRequest.LoanRequestStatus == LoanRequestStatus.ExtraJudicial ||
loanRequest.LoanRequestStatus == LoanRequestStatus.JudicialAltoRiesgo ||
loanRequest.LoanRequestStatus == LoanRequestStatus.Vencida)
{
if (loanRequest.LoanAuthorizationDate == null)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgNoAuthorizationDateProvided);
}
else
{
/* Get the old authorization date. We will use this to determine whether
* or not they changed it */
DateTime? oldAuthDate = loanRequestDAO.GetLoanRequestOldAuthorizationDate (
loanRequest.Id);
if (oldAuthDate != loanRequest.LoanAuthorizationDate)
{
authDateChanged = true;
}
}
}
/* Get the old amount */
decimal oldAmount = loanRequestDAO.GetLoanRequestOldTotalAmount (
loanRequest.Id);
//Get the analysis parameters regardless if the loan request had them already
//this is because they could have changed fron when the request was initialy
//registered
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada
|| loanRequest.LoanRequestStatus == LoanRequestStatus.Capturada
|| loanRequest.LoanRequestStatus == LoanRequestStatus.ExpedienteIntegrado
|| loanRequest.LoanRequestStatus == LoanRequestStatus.Condicionada)
{
/* Get all the parameters for a financial institution */
//TODO: I don't expect anybody to have thousands of parameters
// thus we can get them all.
IList<DepreciationForecastParameters> depForecastParams
= depreciationForecastParametersDAO.GetAllDepreciationForecasetParameters (
financialInstitutionName);
/* Make sure they have registered the parameters */
if (depForecastParams.Count <= 0)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgDepreciationForecastParamsMissing);
}
DepreciationForecastParameters depParamToAssociate = null;
//Look for the parameter that is applicable so we can associate it
//to our loan request.
foreach (DepreciationForecastParameters depForecastParam in
depForecastParams)
{
DateTime paramDate = Convert.ToDateTime (depForecastParam.ValidFrom);
//There is a posiblity that they have not assigned an Authorization date.
//in that case we use todays date.
DateTime? loanReqDate = null;
if (loanRequest.LoanAuthorizationDate == null)
loanReqDate = DateTime.Now;
else
loanReqDate = Convert.ToDateTime (loanRequest.LoanAuthorizationDate);
if (DateUtilities.IsFirstDateGreaterOrEqualThanSecondDate (
Convert.ToDateTime (loanReqDate),
paramDate))
{
//The Current Parameter Date could apply to this loan Request.
//Before we take it, we verify if we already have another date
//in our paramToAssociate
if (depParamToAssociate != null)
{
DateTime previousDate = Convert.ToDateTime (
depParamToAssociate.ValidFrom);
if (DateUtilities.IsFirstDateGreaterOrEqualThanSecondDate (
paramDate,
previousDate))
{
//Take the new param
depParamToAssociate = depForecastParam;
}
}
else
{
depParamToAssociate = depForecastParam;
}
}
}
/* We could not find a parameter to associate */
if (depParamToAssociate == null)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgDepreciationForecastParamsWrongDate);
}
loanRequest.DepreciationForecastParameters = depParamToAssociate;
//TODO: I don't expect anybody to have thousands of parameters
// thus we can get them all.
IList<FinancialForecastParameters> finForecastParams
= financialForecastParametersDAO.GetAllFinancialForecasetParameters (
financialInstitutionName);
/* Make sure they have registered the parameters */
if (finForecastParams.Count <= 0)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgFinancialForecastParamsMissing);
}
FinancialForecastParameters finForeParamToAssociate = null;
//Look for the parameter that is applicable so we can associate it
//to our loan request.
foreach (FinancialForecastParameters finForecastParam in finForecastParams)
{
DateTime paramDate = Convert.ToDateTime (finForecastParam.ValidFrom);
//There is a posiblity that they have not assigned an Authorization date.
//in that case we use todays date.
DateTime? loanReqDate = null;
if (loanRequest.LoanAuthorizationDate == null)
loanReqDate = DateTime.Now;
else
loanReqDate = Convert.ToDateTime (loanRequest.LoanAuthorizationDate);
if (DateUtilities.IsFirstDateGreaterOrEqualThanSecondDate (
Convert.ToDateTime (loanReqDate),
paramDate))
{
//The Current Parameter Date could apply to this loan Request.
//Before we take it, we verify if we already have another date
//in our paramToAssociate
if (finForeParamToAssociate != null)
{
DateTime previousDate = Convert.ToDateTime (
finForeParamToAssociate.ValidFrom);
if (DateUtilities.IsFirstDateGreaterOrEqualThanSecondDate (
paramDate,
previousDate))
{
//Take the new param
finForeParamToAssociate = finForecastParam;
}
}
else
{
finForeParamToAssociate = finForecastParam;
}
}
}
/* We could not find a parameter to associate */
if (finForeParamToAssociate == null)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgFinancialForecastParamsWrongDate);
}
loanRequest.FinancialForecastParameters = finForeParamToAssociate;
//TODO: I don't expect anybody to have thousands of parameters
// thus we can get them all.
IList<ProjectFeasibilityParameters> projFeasibilityParams
= projectFeasibilityParametersDAO.GetAllProjectFeasibilityParameters (
financialInstitutionName);
/* Make sure they have registered the parameters */
if (projFeasibilityParams.Count <= 0)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgProjectFeasibilityParamsMissing);
}
ProjectFeasibilityParameters projFeasParamToAssociate = null;
//Look for the parameter that is applicable so we can associate it
//to our loan request.
foreach (ProjectFeasibilityParameters projFeasParam in projFeasibilityParams)
{
DateTime paramDate = Convert.ToDateTime (projFeasParam.ValidFrom);
//There is a posiblity that they have not assigned an Authorization date.
//in that case we use todays date.
DateTime? loanReqDate = null;
if (loanRequest.LoanAuthorizationDate == null)
loanReqDate = DateTime.Now;
else
loanReqDate = Convert.ToDateTime (loanRequest.LoanAuthorizationDate);
if (DateUtilities.IsFirstDateGreaterOrEqualThanSecondDate (
Convert.ToDateTime (loanReqDate),
paramDate))
{
//The Current Parameter Date could apply to this loan Request.
//Before we take it, we verify if we already have another date
//in our paramToAssociate
if (projFeasParamToAssociate != null)
{
DateTime previousDate = Convert.ToDateTime (
projFeasParamToAssociate.ValidFrom);
if (DateUtilities.IsFirstDateGreaterOrEqualThanSecondDate (
paramDate,
previousDate))
{
//Take the new param
projFeasParamToAssociate = projFeasParam;
}
}
else
{
projFeasParamToAssociate = projFeasParam;
}
}
}
/* We could not find a parameter to associate */
if (projFeasParamToAssociate == null)
{
throw new ZiblerBusinessComponentsException (
Resources.LoanRequestOperationsMsgProjectFeasibilityParamsWrongDate);
}
loanRequest.ProjectFeasibilityParameters = projFeasParamToAssociate;
/* Assign a credit line only if we have not done it before.
* This is to avoid wrong balances in the credit line.
* If the credit line has been assigned before, then we won't do anything
* it will be up to the Administrator to change it if they need to.
*
* Note also that this method is called whenever the loan request is fully
* captured in the system. This menas that the credit line balances
* will be automatically updated whenever the loan request is first
* captured. After this point, if the loan request status is changed
* the credit line will also be updated.
* */
//Get the default credit line and associate the Request
//to the Credit line.
//TODO: The following code is identical to the code contained in the
// CreditLineOperations function:
// public void AddLoanRequestsToCreditLine(CreditLine creditLineToUpdate,
// IList<int> loanRequestIds)
/*
* The following rules are followed to determine how to calculate the amounts for the
* credit line.
*
* If the Loan Request status is any of the following:
*
* -Cancelada
* -Rechazada
* -Pagada
* -EnCaptura
*
* Then no update will be made to the balances in the Credit line. The update to the balance
* will be performed when the LoanRequest status is changed to any of these. So we can
* safely assume that if a loan request status is any of the above mention, it means that
* the balance to its credit line has been updated.
*
* if the loan Request status is any of the following:
*
* -Capturada
* -Expediente Integrado
* -Condicionada
*
* then the total amount in loans will be added to the AmountInRequestedLoans
* and substracted from the available amount.
*
* if the request status is any of the following:
*
* -Aprobada
* -Corriente
* -Vencida
* -ExtraJudicial
* -Judicial de Alto Riesgo
*
* then the total amount in loans will be added to the AmountInApprovedLoans
* and substracted from the available amount
*
* */
CreditLine defaultCreditLine = creditLineDAO.GetDefaultCreditLine (
financialInstitutionName);
//Now lets add the amounts from all the associated loans to this loanRequest
decimal totalLoans = 0.0m;
foreach (Loan loan in loanRequest.Loans)
{
totalLoans = totalLoans + loan.LoanedAmount;
}
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Capturada
|| loanRequest.LoanRequestStatus == LoanRequestStatus.ExpedienteIntegrado
|| loanRequest.LoanRequestStatus == LoanRequestStatus.Condicionada)
{
/* If we have not previously assigned the Credit Line and the
* default credit line exists then we go ahead and assign the
* credit line and update balances.
* Update the credit line status */
if (loanRequest.CreditLine == null && defaultCreditLine != null)
{
//If there is not enough money in the credit line to associate
//the loan request then we raise an exception indicating the problem.
if (defaultCreditLine.AvailableAmount < totalLoans)
throw new ZiblerBusinessComponentsException (
Resources.CreditLineOperationsMsgNotEnoughMoneyInCreditLine);
else //Otherwise
{
//Add the totalLoans amount to the Amount In Authorized Loans
defaultCreditLine.AmountInRequestedLoans = defaultCreditLine.AmountInRequestedLoans +
totalLoans;
defaultCreditLine.AvailableAmount = defaultCreditLine.AvailableAmount -
totalLoans;
//Associate the Credit Line to the LoanRequest
loanRequest.CreditLine = defaultCreditLine;
}
}
else
{
/* DO NOTHING:
* If either the credit line is not null or the
* defulat credit line is null, then there is no
* need to update the credit line, as it either does not exist
* because they have not registered it or they did not buy
* that part of the system, or it was assigned before
* which means the values have been updated.
*/
}
}
/* If the loan request has been approved, then we need to update the
* credit line mounts in case they updated the amounts in the loans */
else if (loanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada ||
loanRequest.LoanRequestStatus == LoanRequestStatus.Corriente ||
loanRequest.LoanRequestStatus == LoanRequestStatus.ExtraJudicial ||
loanRequest.LoanRequestStatus == LoanRequestStatus.JudicialAltoRiesgo ||
loanRequest.LoanRequestStatus == LoanRequestStatus.Vencida)
{
/* At this point a credit line should have been assigned
* to the loan request, so only perform the update if
* the credit line was assigned to it */
if (loanRequest.CreditLine != null)
{
decimal totalAmount = 0.00m;
foreach (Loan existingLoan in loanRequest.Loans)
{
totalAmount = totalAmount + existingLoan.LoanedAmount;
}
/* They have just approved the loan request */
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada &&
previousLoanRequestState != loanRequest.LoanRequestStatus)
{
/* Update the credit line amounts */
loanRequest.CreditLine.AmountInRequestedLoans = loanRequest.CreditLine.AmountInRequestedLoans -
oldAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount +
oldAmount;
/* Make sure there is enough money */
if (loanRequest.CreditLine.AvailableAmount < totalAmount)
{
throw new ZiblerBusinessComponentsException (
Resources.CreditLineOperationsMsgNotEnoughMoneyInCreditLine);
}
loanRequest.CreditLine.AmountInAuthorizedLoans = loanRequest.CreditLine.AmountInAuthorizedLoans +
totalAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount -
totalAmount;
}
/* The loan request has been approved already, we are just updating
* it after it has been approved */
else
{
/* Update the credit line amounts */
loanRequest.CreditLine.AmountInAuthorizedLoans = loanRequest.CreditLine.AmountInAuthorizedLoans -
oldAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount +
oldAmount;
/* Make sure there is enough money */
if (loanRequest.CreditLine.AvailableAmount < totalAmount)
{
throw new ZiblerBusinessComponentsException (
Resources.CreditLineOperationsMsgNotEnoughMoneyInCreditLine);
}
loanRequest.CreditLine.AmountInAuthorizedLoans = loanRequest.CreditLine.AmountInAuthorizedLoans +
totalAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount -
totalAmount;
}
}
}
}
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Aprobada ||
loanRequest.LoanRequestStatus == LoanRequestStatus.Corriente ||
loanRequest.LoanRequestStatus == LoanRequestStatus.ExtraJudicial ||
loanRequest.LoanRequestStatus == LoanRequestStatus.JudicialAltoRiesgo ||
loanRequest.LoanRequestStatus == LoanRequestStatus.Vencida)
{
//TODO: Should I do this here, or when they print the pagare.
ZiblerFinanceUtilities util = new ZiblerFinanceUtilities ();
AmortizationFactory amrtztnFctry = new AmortizationFactory ();
//Finally we need to verify if a Start Date has been provided for the Loans
//If it has, then we won't do anything, otherwise we will verify
//if the loan is approved
foreach (Loan existingLoan in loanRequest.Loans)
{
/* Make the loan start date, the same as the authorization date */
existingLoan.StartDate = loanRequest.LoanAuthorizationDate;
/* After setting the checks and setting the start date, then calculate the end
* date */
/* Calculate the Last payment date for this loan */
DateTime endDate = util.GetPaymentNumberDate (
Convert.ToDateTime (existingLoan.StartDate),
existingLoan.NumberOfAmortizations,
existingLoan.PaymentFrequency,
Country.Mexico);
existingLoan.EndDate = endDate;
/* Calculate the payments for this loan, and save them to the database.
* This is to ease the report operations later */
Amortization amortization = amrtztnFctry.CreateAmortization (
existingLoan.AmortizationTableType,
existingLoan.LoanedAmount,
existingLoan.NumberOfAmortizations,
existingLoan.PaymentFrequency,
0,
existingLoan.GracePeriod,
existingLoan.StartDate.Value,
0);
//Calculate the amortization.
amortization.CalculateAmortizationTable ();
/* Add the payment dates */
util.AddAmortizationPaymentDates (amortization.AmortizationTable,
amortization.StartDate,
amortization.PaymentFrequency,
Country.Mexico);
/* Remove all payment schedules. This will guarantee that only
* the correct information will be stored in the database */
existingLoan.RemoveAllPaymentSchedules ();
/* Add the Payment Schedule */
foreach (AmortizationEntry entry in amortization.AmortizationTable)
{
PaymentSchedule newSchedule = new PaymentSchedule ();
newSchedule.PaymentDate = entry.Date;
newSchedule.PaymentNumber = entry.Number;
existingLoan.AddPaymentSchedule (newSchedule);
}
}
}
//If the loan request is in any of these final states, we have to make sure
//we update the available amounts in the credit line associated to this loan request.
/*
* IT IS ABSOLUTLY NECESSARY THAT AFTER A LOAN REQUEST HAS BEEN CANCELLED,
* REJECTED OR PAID, THEN THE SYSTEM WON'T ALLOW THEM TO UPDATE ANY DATA ON
* THE REQUEST. IN FACT THIS FUNCTION SHOULD NOT BE CALLED EVER AGAIN
* ON THE REQUEST, OTHERWISE THE CREDIT LINE AMOUNTS WILL NOT BE ACCURATE
* */
//TODO: Again this could cause problems if there were no Credit Lines previously
//registered.
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Cancelada
|| loanRequest.LoanRequestStatus == LoanRequestStatus.Rechazada
|| loanRequest.LoanRequestStatus == LoanRequestStatus.Pagada)
{
if (loanRequest.CreditLine != null)
{
decimal totalAmountInLoans = 0.0m;
foreach (Loan loan in loanRequest.Loans)
{
totalAmountInLoans = totalAmountInLoans + loan.LoanedAmount;
}
//Now that we know how much we have borrowed. Lets update the Creditline
//amounts.
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Pagada)
{
loanRequest.CreditLine.AmountInAuthorizedLoans
= loanRequest.CreditLine.AmountInAuthorizedLoans - oldAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount +
oldAmount;
}
else if (loanRequest.LoanRequestStatus == LoanRequestStatus.Rechazada)
{
loanRequest.CreditLine.AmountInRequestedLoans = loanRequest.CreditLine.AmountInRequestedLoans -
oldAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount +
oldAmount;
}
else if (loanRequest.LoanRequestStatus == LoanRequestStatus.Cancelada
&& (previousLoanRequestState == LoanRequestStatus.Aprobada
|| previousLoanRequestState == LoanRequestStatus.Corriente
|| previousLoanRequestState == LoanRequestStatus.Vencida
|| previousLoanRequestState == LoanRequestStatus.ExtraJudicial
||
previousLoanRequestState ==
LoanRequestStatus.JudicialAltoRiesgo))
{
loanRequest.CreditLine.AmountInAuthorizedLoans
= loanRequest.CreditLine.AmountInAuthorizedLoans - oldAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount +
oldAmount;
}
else if (loanRequest.LoanRequestStatus == LoanRequestStatus.Cancelada
&& (previousLoanRequestState == LoanRequestStatus.Capturada
|| previousLoanRequestState == LoanRequestStatus.Condicionada
||
previousLoanRequestState ==
LoanRequestStatus.ExpedienteIntegrado))
{
loanRequest.CreditLine.AmountInRequestedLoans = loanRequest.CreditLine.AmountInRequestedLoans -
oldAmount;
loanRequest.CreditLine.AvailableAmount = loanRequest.CreditLine.AvailableAmount +
oldAmount;
}
}
//If they just rejected the loan request, then we will go ahead
//and update the rejection date
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Rechazada
&& previousLoanRequestState != LoanRequestStatus.Rechazada)
{
//If the date has not been provided then we use todays date.
if (loanRequest.LoanRejectionDate == null)
loanRequest.LoanRejectionDate = DateTime.Today;
}
//If they just cancelled the loan request, then we will go ahead
//and update the cancelled date
if (loanRequest.LoanRequestStatus == LoanRequestStatus.Cancelada
&& previousLoanRequestState != LoanRequestStatus.Cancelada)
{
if (loanRequest.LoanCancelledDate == null)
loanRequest.LoanCancelledDate = DateTime.Today;
}
}
}
/* If the exception was thrown here, just pass it up */
catch (ZiblerBusinessComponentsException ex)
{
throw;
}
/* Catch any Data Layer or other exception and throw an unkown exception */
catch (Exception ex)
{
ZiblerBusinessComponentsUnknownException exc
= new ZiblerBusinessComponentsUnknownException (ex);
/* Throw the new exception */
throw exc;
}
}
/// <summary>
/// Creates the amortization table. This function takes every amortization and
/// calculates the payment based on the current Interest and VAT values.
/// </summary>
private void CreateAmortizationTable(ref Amortization amort)
{
try
{
AmortizationFactory amrtztnFctry = new AmortizationFactory ();
amort = amrtztnFctry.CreateAmortization (_loan.AmortizationTableType,
_loan.LoanedAmount,
_loan.NumberOfAmortizations,
_loan.PaymentFrequency,
0.0m,
_loan.GracePeriod,
Convert.ToDateTime (_loan.StartDate),
0.0m);
//Calculate the amortization.
amort.CalculateAmortizationTable ();
//Add the dates
_financeUtil.AddAmortizationPaymentDates (amort.AmortizationTable,
amort.StartDate,
amort.PaymentFrequency,
Country.Mexico);
}
/* If the exception was thrown here, just pass it up */
catch (ZiblerBusinessComponentsException ex)
{
throw;
}
/* Catch any Data Layer or other exception and throw an unkown exception */
catch (Exception ex)
{
ZiblerBusinessComponentsUnknownException exc
= new ZiblerBusinessComponentsUnknownException (ex);
/* Throw the new exception */
throw exc;
}
}