} // ReBuild
private AgreementModel GenerateAgreementModel(Customer customer, Loan loan, DateTime now, double apr) {
var model = new AgreementModel();
model.Schedule = loan.Schedule.Select(LoanScheduleExtention.FromLoanScheduleItem).ToList();
model.CustomerEmail = customer.Name;
model.FullName = customer.PersonalInfo.Fullname;
model.TypeOfBusinessName = customer.PersonalInfo.TypeOfBusinessName;
var businessType = customer.PersonalInfo.TypeOfBusiness;
var company = customer.Company;
CustomerAddress companyAddress = null;
if (company != null) {
switch (businessType.Reduce()) {
case TypeOfBusinessReduced.Limited:
model.CompanyNumber = company.ExperianRefNum ?? company.CompanyNumber;
goto case TypeOfBusinessReduced.NonLimited;
case TypeOfBusinessReduced.NonLimited:
model.CompanyName = company.ExperianCompanyName ?? company.CompanyName;
var experianCompanyAddress = company.ExperianCompanyAddress.LastOrDefault();
if (experianCompanyAddress != null && !String.IsNullOrEmpty(experianCompanyAddress.Postcode)) {
companyAddress = company.ExperianCompanyAddress.LastOrDefault();
} else {
companyAddress = company.CompanyAddress.LastOrDefault();
}
break;
}
}
model.CompanyAdress = companyAddress.GetFormatted();
model.PersonAddress = customer.AddressInfo.PersonalAddress.FirstOrDefault().GetFormatted();
CalculateTotal(loan.SetupFee, loan.Schedule.ToList(), model);
model.CurentDate = FormattingUtils.FormatDateTimeToString(now);
model.CurrentDate = now;
model.FormattedSchedules = CreateSchedule(loan.Schedule.ToList()).ToList();
model.InterestRate = loan.InterestRate * 100;
model.SetupFee = FormattingUtils.NumericFormats(loan.SetupFee);
model.LatePaymentCharge = String.Format("{0:0.00}", Convert.ToInt32(ConfigManager.CurrentValues.Instance.LatePaymentCharge.Value));
model.AdministrationCharge = String.Format("{0:0.00}", Convert.ToInt32(ConfigManager.CurrentValues.Instance.AdministrationCharge.Value));
// According to new logic the setup fee is always percent and min setup fee is amount SetupFeeFixed
decimal manualSetupFeePct;
decimal brokerSetupFeePct;
GetSetupFees(customer, loan, out manualSetupFeePct, out brokerSetupFeePct);
bool shouldHaveSetupFee =
(!loan.CashRequest.SpreadSetupFee.HasValue || !loan.CashRequest.SpreadSetupFee.Value) &&
((manualSetupFeePct > 0) || (brokerSetupFeePct > 0));
this.log.Debug(
"Customer {0} agreement model: spread setup fee '{1}', manual {2}, broker {3}.",
customer.Id,
loan.CashRequest.SpreadSetupFee == null ? "null" : (loan.CashRequest.SpreadSetupFee.Value ? "spread" : "no"),
manualSetupFeePct.ToString("P2"),
brokerSetupFeePct.ToString("P2")
);
if (shouldHaveSetupFee) {
decimal setupFeePercent = manualSetupFeePct + brokerSetupFeePct;
model.SetupFeePercent = (setupFeePercent * 100).ToString(CultureInfo.InvariantCulture);
model.SetupFeeAmount = FormattingUtils.NumericFormats((int)CurrentValues.Instance.SetupFeeFixed);
} else {
model.SetupFeePercent = "0";
model.SetupFeeAmount = FormattingUtils.NumericFormats(0);
} // if
model.IsBrokerFee = false;
model.IsManualSetupFee = false;
model.APR = apr;
// var start = loan.Schedule.First().Date.AddMonths(-1);
// var end = loan.Schedule.Last().Date;
// var days = (end - start).TotalDays;
//model.InterestRatePerDay = (model.Schedule.Count * model.InterestRate) / (decimal)days;
model.InterestRatePerDay = model.Schedule[1].InterestRate / 30; // For first month
model.InterestRatePerDayFormatted = string.Format("{0:0.00}", model.InterestRatePerDay);
model.InterestRatePerYearFormatted = string.Format("{0:0.00}", model.InterestRate * 12);
var loanType = customer.LastCashRequest.LoanType ?? new StandardLoanType();
model.LoanType = loanType.Type;
model.TermOnlyInterest = loan.Schedule.Count(s => s.LoanRepayment == 0);
model.TermOnlyInterestWords = FormattingUtils.ConvertToWord(model.TermOnlyInterest).ToLower();
model.TermInterestAndPrincipal = loan.Schedule.Count(s => s.LoanRepayment != 0 && s.Interest != 0);
model.TermInterestAndPrincipalWords = FormattingUtils.ConvertToWord(model.TermInterestAndPrincipal).ToLower();
model.isHalwayLoan = loanType.IsHalwayLoan;
model.CountRepayment = this.repaymentCalculator.CalculateCountRepayment(loan);
model.Term = this.repaymentCalculator.CalculateCountRepayment(loan);
model.TotalPrincipalWithSetupFee = FormattingUtils.NumericFormats(loan.Schedule.Sum(a => a.LoanRepayment) - loan.SetupFee);
return model;
} // GenerateAgreementModel
} // CalculateTotal
/// <exception cref="OverflowException">The number of elements in is larger than <see cref="F:System.Int32.MaxValue" />.</exception>
/// <exception cref="NullReferenceException"><paramref /> is null. </exception>
/// <exception cref="NoScheduleException">Condition. </exception>
public AgreementModel NL_BuildAgreementModel(Customer customer, NL_Model nlModel) {
// fill in loan+history with offer data
nlModel = this.serviceClient.Instance.BuildLoanFromOffer(this.context != null ? this.context.UserId : customer.Id, nlModel.CustomerID, nlModel).Value;
ALoanCalculator nlCalculator = null;
// 2. get Schedule and Fees
try {
// init calculator
nlCalculator = new LegacyLoanCalculator(nlModel);
// model should contain Schedule and Fees after this invocation
nlCalculator.CreateSchedule(); // create primary dates/p/r/f distribution of schedules (P/n) and setup/servicing fees. 7 September - fully completed schedule + fee + amounts due, without payments.
} catch (NoInitialDataException noDataException) {
this.log.Alert("CreateSchedule failed: {0}", noDataException.Message);
} catch (InvalidInitialAmountException amountException) {
this.log.Alert("CreateSchedule failed: {0}", amountException.Message);
} catch (InvalidInitialInterestRateException interestRateException) {
this.log.Alert("CreateSchedule failed: {0}", interestRateException.Message);
} catch (InvalidInitialRepaymentCountException paymentsException) {
this.log.Alert("CreateSchedule failed: {0}", paymentsException.Message);
} catch (Exception ex) {
this.log.Alert("Failed to create Schedule for customer {0}, err: {1}", nlModel.CustomerID, ex);
} finally {
if (nlCalculator == null) {
this.log.Alert("failed to get nlCalculator for customer: {0}", nlModel.CustomerID);
} // if
} // try
var history = nlModel.Loan.LastHistory();
// no Schedule
if (history.Schedule.Count == 0) {
this.log.Alert("No Schedule. Customer: {0}", nlModel.CustomerID);
return null;
}
var model = new AgreementModel() {
Schedule = new List<LoanScheduleItemModel>()
};
// fill in AgreementModel schedules list
foreach (NL_LoanSchedules s in history.Schedule) {
var item = new LoanScheduleItemModel {
Id = s.LoanScheduleID,
AmountDue = s.AmountDue,
Date = s.PlannedDate,
Interest = s.Interest,
Status = Enum.GetName(typeof(NLScheduleStatuses), s.LoanScheduleStatusID).DescriptionAttr(),
LoanRepayment = s.Principal,
Balance = s.Balance,
Fees = s.Fees,
InterestRate = s.InterestRate
};
item.StatusDescription = item.Status;
model.Schedule.Add(item);
} // for each
model.CustomerEmail = customer.Name;
model.FullName = customer.PersonalInfo.Fullname;
model.TypeOfBusinessName = customer.PersonalInfo.TypeOfBusinessName;
var businessType = customer.PersonalInfo.TypeOfBusiness;
var company = customer.Company;
CustomerAddress companyAddress = null;
if (company != null) {
switch (businessType.Reduce()) {
case TypeOfBusinessReduced.Limited:
model.CompanyNumber = company.ExperianRefNum ?? company.CompanyNumber;
goto case TypeOfBusinessReduced.NonLimited;
case TypeOfBusinessReduced.NonLimited:
model.CompanyName = company.ExperianCompanyName ?? company.CompanyName;
companyAddress = company.ExperianCompanyAddress.LastOrDefault() ?? company.CompanyAddress.LastOrDefault();
break;
} // switch
} // if
model.CompanyAdress = companyAddress.GetFormatted();
model.PersonAddress = customer.AddressInfo.PersonalAddress.FirstOrDefault().GetFormatted();
// collect all setup/servicing "spreaded" fees
List<NL_LoanFees> loanSetupFees = nlModel.Loan.Fees.Where(f => f.LoanFeeTypeID == (int)NLFeeTypes.SetupFee || f.LoanFeeTypeID == (int)NLFeeTypes.ServicingFee).ToList();
// get fees sum
decimal totalFees = 0m;
loanSetupFees.ForEach(f => totalFees += f.Amount);
decimal totalPrincipal = model.Schedule.Sum(a => a.LoanRepayment);
// formatted totals
model.TotalAmount = FormattingUtils.NumericFormats(model.Schedule.Sum(a => a.AmountDue));
model.TotalPrincipal = FormattingUtils.NumericFormats(totalPrincipal);
model.TotalInterest = FormattingUtils.NumericFormats(model.Schedule.Sum(a => a.Interest));
model.TotalAmoutOfCredit = model.TotalPrincipal; //FormattingUtils.NumericFormats(model.Schedule.Sum(a => a.LoanRepayment));
model.TotalFees = FormattingUtils.NumericFormats(totalFees);
decimal currencyRate = GetUSDCurrencyRate();
model.TotalPrincipalUsd = "$ " + (CurrentValues.Instance.AlibabaCurrencyConversionCoefficient * currencyRate * totalPrincipal).ToString("N", CultureInfo.CreateSpecificCulture("en-gb"));
model.CurentDate = FormattingUtils.FormatDateTimeToString(DateTime.UtcNow);
model.CurrentDate = DateTime.UtcNow;
model.FormattedSchedules = model.Schedule.Select((installment, i) => new FormattedSchedule {
AmountDue = FormattingUtils.NumericFormats(installment.AmountDue),
Principal = FormattingUtils.NumericFormats(installment.LoanRepayment),
Interest = FormattingUtils.NumericFormats(installment.Interest),
Fees = FormattingUtils.NumericFormats(installment.Fees),
Date = FormattingUtils.FormatDateToString(installment.Date),
StringNumber = FormattingUtils.ConvertingNumberToWords(i + 1),
InterestRate = string.Format("{0:0.00}", installment.InterestRate * 100),
Iterration = i + 1,
}).ToList();
// TODO update from history?
model.InterestRate = history.InterestRate * 100;
model.SetupFee = FormattingUtils.NumericFormats(totalFees);
model.SetupFeeAmount = FormattingUtils.NumericFormats((int)CurrentValues.Instance.SetupFeeFixed);
model.SetupFeePercent = CurrentValues.Instance.SetupFeePercent;
//// FEES TODO
////According to new logic the setup fee is always percent and min setup fee is amount SetupFeeFixed ????
if ((totalFees > 0) || (nlModel.Offer.BrokerSetupFeePercent.HasValue && nlModel.Offer.BrokerSetupFeePercent.Value > 0)) {
decimal setupFeePercent = totalFees + nlModel.Offer.BrokerSetupFeePercent ?? 0M;
model.SetupFeePercent = (setupFeePercent * 100).ToString(CultureInfo.InvariantCulture);
} // if
// TODO was is das?
model.IsBrokerFee = false;
model.IsManualSetupFee = false;
if (nlCalculator != null)
model.APR = nlCalculator.CalculateApr(history.EventTime);
model.InterestRatePerDay = model.Schedule[1].InterestRate / 30; // For first month
model.InterestRatePerDayFormatted = string.Format("{0:0.00}", model.InterestRatePerDay);
model.InterestRatePerYearFormatted = string.Format("{0:0.00}", model.InterestRate * 12);
model.LoanType = Enum.GetName(typeof(NLLoanTypes), nlModel.Loan.LoanTypeID);
model.TermOnlyInterest = model.Schedule.Count(s => s.LoanRepayment == 0);
model.TermOnlyInterestWords = FormattingUtils.ConvertToWord(model.TermOnlyInterest).ToLower();
model.TermInterestAndPrincipal = model.Schedule.Count(s => s.LoanRepayment != 0 && s.Interest != 0);
model.TermInterestAndPrincipalWords = FormattingUtils.ConvertToWord(model.TermInterestAndPrincipal).ToLower();
model.isHalwayLoan = Enum.GetName(typeof(NLLoanTypes), nlModel.Loan.LoanTypeID) == NLLoanTypes.HalfWayLoanType.ToString();
model.CountRepayment = model.Schedule.Count;
model.Term = model.Schedule.Count;
model.TotalPrincipalWithSetupFee = FormattingUtils.NumericFormats(totalPrincipal - totalFees);
return model;
} // NL_BuildAgreementModel
