public void Repay(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pFeesEvent)
{
//Nothing to modify
pInstallment.PaidFees += pFeesEvent;
pAmountPaid -= pFeesEvent;
pFeesEvent = 0;
}
public override bool Equals(object obj)
{
Installment compareTo = obj as Installment;
if (null == compareTo)
{
return(false);
}
if (Number != compareTo.Number)
{
return(false);
}
if (CapitalRepayment != compareTo.CapitalRepayment)
{
return(false);
}
if (InterestsRepayment != compareTo.InterestsRepayment)
{
return(false);
}
if (!ExpectedDate.Equals(compareTo.ExpectedDate))
{
return(false);
}
return(true);
}
public void RepayCommission(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pCommisionEvent)
{
if (!_pCCO.CancelFees)
AutomaticRepayMethod(pInstallment, ref pAmountPaid, ref pCommisionEvent);
else
ManualRepayMethod(pInstallment, ref pAmountPaid, ref pCommisionEvent);
}
public void Calculate(Installment installment, IScheduleConfiguration configuration)
{
var annuity = configuration.RoundingPolicy.Round(FindAnnuity(configuration));
installment.InterestsRepayment = CalculateInterest(installment, configuration, installment.OLB.Value);
installment.CapitalRepayment = annuity - installment.InterestsRepayment;
}
private static void ManualRepayMethod(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pCommisionEvent)
{
pInstallment.PaidCommissions = pCommisionEvent;
pInstallment.CommissionsUnpaid = 0;
pAmountPaid -= pCommisionEvent;
pCommisionEvent = 0;
//Nothing to modify
}
public List<Installment> CalculateInstallments(bool changeDate)
{
List<Installment> schedule = new List<Installment>();
OCurrency olb = _contract.Amount;
OCurrency totalInterestsRepayment = _contract.Amount * Convert.ToDecimal(_contract.InterestRate) * (_contract.NbOfInstallments - _contract.GracePeriod.Value);
decimal decCr = 0;
decimal decIr = 0;
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment { Number = number, FeesUnpaid = 0, OLB = olb };
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
else
{
installment = _contract.GetInstallment(number - 1);
}
if (number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
installment.InterestsRepayment = 0;
installment.CapitalRepayment = 0;
installment.InterestsRepayment = Math.Round(installment.OLB.Value * Convert.ToDecimal(_contract.InterestRate) + decIr, _roundingPoint);
decIr = _contract.Amount.Value * Convert.ToDecimal(_contract.InterestRate) - installment.InterestsRepayment.Value;
}
else
{
ExoticInstallment exoInstallment = _contract.Product.ExoticProduct.GetExoticInstallment(number - _contract.GracePeriod.Value - 1);
OCurrency cr = Convert.ToDecimal(exoInstallment.PrincipalCoeff) * _contract.Amount.Value + decCr;
installment.CapitalRepayment = Math.Round(cr.Value, _roundingPoint);
decCr = cr.Value - installment.CapitalRepayment.Value;
OCurrency ir = totalInterestsRepayment.Value * Convert.ToDecimal(exoInstallment.InterestCoeff) + decIr;
installment.InterestsRepayment = Math.Round(ir.Value, _roundingPoint);
decIr = ir.Value - installment.InterestsRepayment.Value;
}
olb -= installment.CapitalRepayment.Value;
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment = Math.Round(installment.InterestsRepayment.Value / _contract.NbOfDaysInTheInstallment * (_contract.FirstInstallmentDate - _contract.StartDate).Days, _roundingPoint);
}
schedule.Add(installment);
}
return schedule;
}
public List<Installment> CalculateInstallments(bool changeDate)
{
List<Installment> schedule = new List<Installment>();
OCurrency olb = _contract.Amount;
DateTime date = _contract.AlignDisbursementDate;
int daysInTheYear = GetDaysInAYear(_contract.AlignDisbursementDate.Date.Year);
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment { Number = number, FeesUnpaid = 0 };
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
installment.OLB = Math.Round(olb.Value, _roundingPoint);
int days = (installment.ExpectedDate - date).Days;
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment =
Math.Round(olb.Value * Convert.ToDecimal(_contract.InterestRate) / daysInTheYear *
(installment.ExpectedDate - _contract.StartDate).Days, _roundingPoint);
}
else
{
installment.InterestsRepayment =
Math.Round((olb * _contract.InterestRate / daysInTheYear * days).Value,
_roundingPoint, MidpointRounding.AwayFromZero);
}
if (number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
installment.InterestsRepayment = 0;
installment.CapitalRepayment = 0;
}
else
{
OCurrency principal = olb / (double)(_contract.NbOfInstallments - number + 1);
installment.CapitalRepayment = Math.Round(principal.Value, _roundingPoint);
}
olb -= installment.CapitalRepayment;
date = installment.ExpectedDate;
schedule.Add(installment);
}
return schedule;
}
/// <summary>
/// Finding total for all Annuity policy (30/360, Fact/360, Fact/Fact)
/// </summary>
/// <param name="configuration"></param>
/// <returns>total annuity</returns>
private decimal FindAnnuity(IScheduleConfiguration configuration)
{
var number = configuration.NumberOfInstallments - configuration.GracePeriod;
var numberOfPeriods = configuration.PeriodPolicy.GetNumberOfPeriodsInYear(configuration.PreferredFirstInstallmentDate, configuration.YearPolicy);
var interestRate = (double)configuration.InterestRate / 100 / numberOfPeriods;
// at first we are trying to calculate standard annuity for 30/360 using standard formula.
var numerator = (decimal)interestRate * configuration.Amount;
var denominator = 1 - 1 / Math.Pow(1 + interestRate, number);
var annuity = 0.0M;
if (configuration.InterestRate == 0)
annuity = configuration.Amount / number;
else
annuity = numerator / (decimal)denominator;
// In order to define the annuity amount for the other types Period and Year policy
// we need to increase the standard annuity, build schedule according defined amount
// and if scheduled is not balanced, repeat the procedure again
// remainder it is surplus amount, which is left after building schedule using calculated annuity
// remainder = remainder/numberOfInstallemnts * interestRate/100
// left remainder // should be divided by number of installments in order to proportionally spread between installments
// but because we need to count interest also that amount should be multiplied by interest rate / 100
var remainder = 0m;
var counter = 0;
var installment = new Installment {OLB = configuration.Amount};
var endDate = configuration.PreferredFirstInstallmentDate;
do
{
// loop is only for building schedule and determining the remainder
for (var i = 1; i <= configuration.NumberOfInstallments; ++i)
{
installment.Number = i;
installment.StartDate = i != 1 ? installment.ExpectedDate : configuration.StartDate;
endDate = i == 1
? configuration.PreferredFirstInstallmentDate
: configuration.PeriodPolicy.GetNextDate(endDate);
installment.ExpectedDate = configuration.DateShiftPolicy.ShiftDate(endDate);
if (i <= configuration.GracePeriod) continue;
installment.InterestsRepayment = CalculateInterest(installment, configuration, installment.OLB.Value);
installment.CapitalRepayment = annuity - installment.InterestsRepayment;
installment.OLB -= installment.CapitalRepayment;
}
remainder = installment.OLB.Value;
installment.OLB = configuration.Amount;
++counter;
annuity += (remainder * configuration.InterestRate / (decimal)numberOfPeriods / 100 / number);
} while (Math.Abs(remainder) > 0.01m && counter < 1000);
return annuity;
}
protected decimal CalculateInterest(Installment installment, IScheduleConfiguration configuration, decimal amount)
{
var daysInPeriod = configuration.PeriodPolicy.GetNumberOfDays(installment.ExpectedDate);//, configuration.DateShiftPolicy);
var daysInYear = configuration.YearPolicy.GetNumberOfDays(installment.ExpectedDate);
var interest = installment.OLB * configuration.InterestRate / 100 * daysInPeriod / daysInYear;
//if schedule is flat
if (configuration.CalculationPolicy.GetType() == typeof(FlatInstallmentCalculationPolicy))
{
var numberOfPeriods =
(decimal)
(configuration.PeriodPolicy.GetNumberOfPeriodsInYear(
configuration.PreferredFirstInstallmentDate, configuration.YearPolicy));
interest = configuration.Amount*configuration.InterestRate/numberOfPeriods/100;
}
return configuration.RoundingPolicy.Round(interest.Value);
}
private static void AutomaticRepayMethod(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pCommisionEvent)
{
if (AmountComparer.Compare(pAmountPaid, pInstallment.CommissionsUnpaid) > 0)
{
pCommisionEvent += pInstallment.CommissionsUnpaid;
pAmountPaid -= pInstallment.CommissionsUnpaid;
pInstallment.PaidCommissions += pInstallment.CommissionsUnpaid;
pInstallment.CommissionsUnpaid = 0;
}
else
{
pCommisionEvent += pAmountPaid;
pInstallment.PaidCommissions += pAmountPaid;
pInstallment.CommissionsUnpaid -= pAmountPaid;
pAmountPaid = 0;
}
}
public void Repay(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pFeesEvent)
{
if (AmountComparer.Compare(pAmountPaid, pInstallment.FeesUnpaid) > 0)
{
pFeesEvent += pInstallment.FeesUnpaid;
pAmountPaid -= pInstallment.FeesUnpaid;
pInstallment.PaidFees += pInstallment.FeesUnpaid;
pInstallment.FeesUnpaid = 0;
}
else
{
pFeesEvent += pAmountPaid;
pInstallment.PaidFees += pAmountPaid;
pInstallment.FeesUnpaid -= pAmountPaid;
pAmountPaid = 0;
}
}
public List<Installment> CalculateInstallments(bool changeDate)
{
List<Installment> schedule = new List<Installment>();
OCurrency olb = _contract.Amount;
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment { Number = number, FeesUnpaid = 0 };
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
decimal olbValue = olb.Value;
installment.OLB = Math.Round(olbValue, _roundingPoint);
decimal interestRepayment = (olbValue * _contract.InterestRate);
installment.InterestsRepayment = Math.Round(interestRepayment, _roundingPoint);
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment = Math.Round(installment.InterestsRepayment.Value / _contract.NbOfDaysInTheInstallment * (_contract.FirstInstallmentDate - _contract.StartDate).Days, _roundingPoint);
}
if (number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
installment.InterestsRepayment = 0;
installment.CapitalRepayment = 0;
}
else
{
OCurrency principal = olb / (double)(_contract.NbOfInstallments - number + 1);
installment.CapitalRepayment = Math.Round(principal.Value, _roundingPoint);
}
olb -= installment.CapitalRepayment;
schedule.Add(installment);
}
return schedule;
}
public void Repay(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pInterestEvent, ref OCurrency pInterestPrepayment)
{
if (AmountComparer.Compare(pAmountPaid, pInstallment.InterestsRepayment - pInstallment.PaidInterests) > 0)
{
OCurrency interestHasToPay = pInstallment.InterestsRepayment - pInstallment.PaidInterests;
pAmountPaid -= interestHasToPay;
pInterestEvent += interestHasToPay;
pInterestPrepayment += interestHasToPay;
pInstallment.PaidInterests += interestHasToPay;
}
else
{
pInstallment.PaidInterests += pAmountPaid;
pInterestEvent += pAmountPaid;
pInterestPrepayment += pAmountPaid;
pAmountPaid = 0;
}
}
public void TestPaidCapitalDefaultValue()
{
Installment i = new Installment();
Assert.AreEqual(0m,i.PaidCapital.Value);
}
private void InitTotal()
{
decimal totalInterest = 0, totalPrincipal = 0, totalPaidInterests = 0, totalPaidCapital = 0;
foreach (var installment in Loan.InstallmentList)
{
totalInterest += installment.InterestsRepayment.Value;
totalPrincipal += installment.CapitalRepayment.Value;
totalPaidCapital += installment.PaidCapital.Value;
totalPaidInterests += installment.PaidInterests.Value;
}
var empty = new OCurrency();
var date = new DateTime();
_total = new Installment(
date,
totalInterest,
totalPrincipal,
totalPaidCapital,
totalPaidInterests,
empty,
null,
-1);
}
private static void AssertSpecifiedInstallment(Installment pInstallment, OCurrency pInterestRepayment, OCurrency pCapitalRepayment,
OCurrency pPaidCapital, OCurrency pPaidInterest, OCurrency pFeesUnpaid)
{
Assert.AreEqual(pInterestRepayment.Value, pInstallment.InterestsRepayment.Value);
Assert.AreEqual(pCapitalRepayment.Value, pInstallment.CapitalRepayment.Value);
Assert.AreEqual(pPaidCapital.Value, pInstallment.PaidCapital.Value);
Assert.AreEqual(pPaidInterest.Value, pInstallment.PaidInterests.Value);
Assert.AreEqual(pFeesUnpaid.Value, pInstallment.FeesUnpaid.Value);
}
public void TestFixtureSetUp()
{
ProvisioningTable.GetInstance(new User()).Add(new ProvisioningRate { Number = 1, NbOfDaysMin = 0, NbOfDaysMax = 1000, Rate = 0 });
ApplicationSettings.GetInstance("").DeleteAllParameters();
ApplicationSettings.GetInstance("").AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
ApplicationSettings.GetInstance("").AddParameter(OGeneralSettings.USECENTS, true);
ApplicationSettings.GetInstance("").AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
ApplicationSettings.GetInstance("").AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
TechnicalSettings.UseOnlineMode = false;
projectManager = new ProjectManager(DataUtil.TESTDB);
creditManagement = new CreditContractManagement(DataUtil.TESTDB);
installmentManagement = new InstallmentManager(DataUtil.TESTDB);
clientManagement = new ClientManager(DataUtil.TESTDB);
connectionManager = ConnectionManager.GetInstance(DataUtil.TESTDB);
fundingLineManager = new FundingLineManager(DataUtil.TESTDB);
userManager = new UserManager(DataUtil.TESTDB);
_packageManager = new LoanProductManager(DataUtil.TESTDB);
installment1 = new Installment();
installment1.Number = 1;
installment1.CapitalRepayment = 200;
installment1.InterestsRepayment = 100;
installment1.PaidCapital = 200;
installment1.PaidInterests = 100;
//to initialize Installment.FeesUnpaid, ocurrency is an object, must be initialized
installment1.FeesUnpaid = 0;
installment1.ExpectedDate = DateTime.Today.AddDays(-1);
installment2 = new Installment();
installment2.Number = 2;
installment2.CapitalRepayment = 200;
installment2.InterestsRepayment = 100;
installment2.PaidCapital = 0;
installment2.PaidInterests = 100;
//to initialize Installment.FeesUnpaid, ocurrency is an object, must be initialized
installment2.FeesUnpaid = 0;
installment2.ExpectedDate = DateTime.Today.AddMonths(1);
}
public void TestSelectAllAlertsRepaymentAlertWhen2NonRepaidInstallmentsAndLoanOfficerFilterNotActive()
{
ApplicationSettings dataParam = ApplicationSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.LOANOFFICERPORTFOLIOFILTER, false);
dataParam.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
dataParam.AddParameter(OGeneralSettings.USECENTS, true);
dataParam.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
//NonWorkingDateSingleton nonWorkingDateHelper = NonWorkingDateSingleton.GetInstance("");
//nonWorkingDateHelper.WeekEndDay1 = 6;
//nonWorkingDateHelper.WeekEndDay2 = 0;
//nonWorkingDateHelper.PublicHolidays = new Hashtable();
//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.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
credit.InstallmentList = new List<Installment>();
Installment installment1 = new Installment();
installment1.Number = 1;
installment1.CapitalRepayment = 200;
installment1.InterestsRepayment = 100;
installment1.PaidCapital = 0;
installment1.PaidInterests = 100;
installment1.FeesUnpaid = 0;
installment1.ExpectedDate = DateTime.Today.AddDays(-2);
Installment installment2 = new Installment();
installment2.Number = 2;
installment2.CapitalRepayment = 200;
installment2.InterestsRepayment = 100;
installment2.PaidCapital = 0;
installment2.PaidInterests = 65;
installment2.FeesUnpaid = 0;
installment2.ExpectedDate = DateTime.Today.AddDays(-1);
credit.Disbursed = true;
credit.AddInstallment(installment1);
credit.AddInstallment(installment2);
FundingLine fund = new FundingLine();
fund.Purpose = "Microsoft financement";
fund.Name = "AFD130";
fund.Deleted = false;
fund.StartDate = DateTime.Now;
fund.EndDate = DateTime.Now;
fund.Currency = new Currency { Id = 1 };
fundingLineManager.AddFundingLine(fund, null);
credit.FundingLine = fund;
creditManagement.AddCredit(credit, _project.Id, null);
AlertStock alertStock = creditManagement.SelectAllAlerts("");
Assert.AreEqual(1, alertStock.GetNumberOfAlerts);
}
public void RepayFees(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pFeesEvent)
{
_methodToCalculateFees.Repay(pInstallment,ref pAmountPaid, ref pFeesEvent);
}
public void Repay(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pInterestEvent, ref OCurrency pInterestPrepayment)
{
//Nothing to modify
}
public int GetNumberOfDays(Installment installment, IDateShiftPolicy shiftPolicy)
{
return (shiftPolicy.ShiftDate(installment.ExpectedDate) - shiftPolicy.ShiftDate(installment.StartDate)).Days;
}
public void UpdateAllInstalmentsDate()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
NonWorkingDateSingleton.GetInstance("").PublicHolidays = new Dictionary<DateTime, string>
{{DateTime.Today.AddDays(-1), "dfsdf"}};
Installment installment = new Installment
{
Number = 1,
CapitalRepayment = 200,
InterestsRepayment = 100,
FeesUnpaid = 0,
ExpectedDate = DateTime.Today.AddDays(-1)
};
DynamicMock mockInstalmentManager = new DynamicMock(typeof(InstallmentManager));
mockInstalmentManager.Expect("UpdateInstallment",installment, 1, null, true);
List<KeyValuePair<int, Installment>> list = new List<KeyValuePair<int, Installment>>
{
new KeyValuePair<int, Installment>(1, installment)
};
LoanServices loanServices = new LoanServices((InstallmentManager)mockInstalmentManager.MockInstance, null, null);
Assert.AreEqual(1, loanServices.UpdateAllInstallmentsDate(list));
}
public void TestAddInstallmentAndGetInstallment()
{
Loan newContract = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())); new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Installment i = new Installment {PaidCapital = 100};
newContract.AddInstallment(i);
Assert.AreEqual(100m,newContract.GetInstallment(0).PaidCapital.Value);
}
private static void _AssertSpecifiedInstallment(Installment pInstallment,int pNumber, DateTime pExpectedDate,OCurrency pInterestRepayment, OCurrency pCapitalRepayment,OCurrency pOLB, OCurrency pPaidCapital, OCurrency pPaidInterest)
{
Assert.AreEqual(pNumber, pInstallment.Number);
Assert.AreEqual(pExpectedDate, pInstallment.ExpectedDate);
Assert.AreEqual(pInterestRepayment.Value, pInstallment.InterestsRepayment.Value);
Assert.AreEqual(pCapitalRepayment.Value, pInstallment.CapitalRepayment.Value);
Assert.AreEqual(pOLB.Value, pInstallment.OLB.Value);
Assert.AreEqual(pPaidCapital.Value, pInstallment.PaidCapital.Value);
Assert.AreEqual(pPaidInterest.Value, pInstallment.PaidInterests.Value);
}
private static void _AssertSpecifiedInstallment(Installment pInstallment, int pNumber, DateTime pExpectedDate, OCurrency pInterestRepayment, OCurrency pCapitalRepayment, OCurrency pOLB, OCurrency pInstallmentTotalAmount)
{
Assert.AreEqual(pNumber, pInstallment.Number);
Assert.AreEqual(pExpectedDate, pInstallment.ExpectedDate);
Assert.AreEqual(pInterestRepayment.Value, pInstallment.InterestsRepayment.Value);
Assert.AreEqual(pCapitalRepayment.Value, pInstallment.CapitalRepayment.Value);
Assert.AreEqual(pOLB.Value, pInstallment.OLB.Value);
Assert.AreEqual(pInstallmentTotalAmount.Value, pInstallment.AmountHasToPayWithInterest.Value);
}
public void TestSortInstallments()
{
LoanProduct package = new LoanProduct {Currency = new Currency {Id = 1},KeepExpectedInstallment = true};
Loan myContract = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())); new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Amount = 1000;
myContract.Product = package;
Installment installment1 = new Installment
{
ExpectedDate = new DateTime(2005, 9, 5),
Number = 1,
InterestsRepayment = 0,
CapitalRepayment = 100
};
Installment installment2 = new Installment
{
ExpectedDate = new DateTime(2005, 8, 5),
Number = 1,
InterestsRepayment = 0,
CapitalRepayment = 100
};
Installment installment3 = new Installment
{
ExpectedDate = new DateTime(2005, 12, 5),
Number = 1,
InterestsRepayment = 0,
CapitalRepayment = 100
};
Installment installment4 = new Installment
{
ExpectedDate = new DateTime(2005, 10, 5),
Number = 1,
InterestsRepayment = 0,
CapitalRepayment = 100
};
myContract.InstallmentList = new List<Installment> {installment1,installment2,installment3,installment4};
myContract.InstallmentList.Sort((x, y) => x.ExpectedDate.CompareTo(y.ExpectedDate));
Assert.AreEqual(new DateTime(2005,8,5),myContract.InstallmentList[0].ExpectedDate);
Assert.AreEqual(new DateTime(2005,9,5),myContract.InstallmentList[1].ExpectedDate);
Assert.AreEqual(new DateTime(2005,10,5),myContract.InstallmentList[2].ExpectedDate);
Assert.AreEqual(new DateTime(2005,12,5),myContract.InstallmentList[3].ExpectedDate);
}
public void TestPaidInterestsDefaultValue()
{
Installment i = new Installment();
Assert.AreEqual(0m,i.PaidInterests.Value);
}
private static void _AssertSpecifiedInstallment(Installment pInstallment, OCurrency pInterestRepayment, OCurrency pCapitalRepayment, OCurrency pOLB, OCurrency pPaidCapital, OCurrency pPaidInterest)
{
Assert.AreEqual(pInterestRepayment.Value, pInstallment.InterestsRepayment.Value);
Assert.AreEqual(pCapitalRepayment.Value, pInstallment.CapitalRepayment.Value);
Assert.AreEqual(pOLB.Value, pInstallment.OLB.Value);
Assert.AreEqual(pPaidCapital.Value, pInstallment.PaidCapital.Value);
Assert.AreEqual(pPaidInterest.Value, pInstallment.PaidInterests.Value);
}
public void Test_Setup()
{
_installment = new Installment(new DateTime(2009, 7, 6), 100, 1000, 0, 0, 0, null, 1);
}
public List<Installment> CalculateInstallments(bool changeDate)
{
List<Installment> schedule = new List<Installment>();
OCurrency olb = _contract.Amount;
OCurrency totalAmount = _contract.Amount;
OCurrency totalInterest = _contract.GracePeriod.HasValue &&
!_contract.Product.ChargeInterestWithinGracePeriod
? Math.Round(
_contract.Amount.Value * Convert.ToDecimal(_contract.InterestRate) *
(_contract.NbOfInstallments - _contract.GracePeriod.Value),
_roundingPoint, MidpointRounding.AwayFromZero)
: Math.Round(
_contract.Amount.Value * Convert.ToDecimal(_contract.InterestRate) *
_contract.NbOfInstallments, _roundingPoint,
MidpointRounding.AwayFromZero);
int nbOfInstallmentWithoutGracePeriod = _contract.GracePeriod.HasValue
? _contract.NbOfInstallments - _contract.GracePeriod.Value
: _contract.NbOfInstallments;
OCurrency sumOfPrincipal = 0;
OCurrency sumOfInterest = 0;
OCurrency interestBase = _contract.Product.ChargeInterestWithinGracePeriod
? Math.Round(
(totalInterest.Value - sumOfInterest.Value)/
(nbOfInstallmentWithoutGracePeriod + _contract.GracePeriod.Value),
_roundingPoint, MidpointRounding.AwayFromZero)
: Math.Round(
(totalInterest.Value - sumOfInterest.Value)/
(nbOfInstallmentWithoutGracePeriod),
_roundingPoint, MidpointRounding.AwayFromZero);
OCurrency principalBase = Math.Round(
(totalAmount.Value - sumOfPrincipal.Value) /
(nbOfInstallmentWithoutGracePeriod),
_roundingPoint, MidpointRounding.AwayFromZero);
int installmentNumberWithoutGracePeriodForCapital = 0;
int installmentNumberWithoutGracePeriodForInterest = 0;
if (!_contract.Rescheduled)
{
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment = new Installment { Number = number, FeesUnpaid = 0 };
if (changeDate)
{
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate, installment.Number);
}
installment.OLB = olb;
OCurrency interest = Math.Round(
(totalInterest.Value - sumOfInterest.Value) /
(_contract.NbOfInstallments - installmentNumberWithoutGracePeriodForInterest),
_roundingPoint, MidpointRounding.AwayFromZero);
OCurrency principal = Math.Round(
(totalAmount.Value - sumOfPrincipal.Value) /
(nbOfInstallmentWithoutGracePeriod - installmentNumberWithoutGracePeriodForCapital),
_roundingPoint, MidpointRounding.AwayFromZero);
if (_contract.Product.RoundingType == ORoundingType.End ||
_contract.Product.RoundingType == ORoundingType.Begin)
{
interest = interestBase;
principal = principalBase;
}
if (_contract.GracePeriod.HasValue && number <= _contract.GracePeriod)
{
installment.CapitalRepayment = 0;
if (_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = interest;
sumOfInterest += installment.InterestsRepayment;
installmentNumberWithoutGracePeriodForInterest++;
}
else
{
installment.InterestsRepayment = 0;
installmentNumberWithoutGracePeriodForInterest++;
}
}
else
{
installment.CapitalRepayment = principal;
sumOfPrincipal += installment.CapitalRepayment;
installmentNumberWithoutGracePeriodForCapital++;
installment.InterestsRepayment = interest;
sumOfInterest += installment.InterestsRepayment;
installmentNumberWithoutGracePeriodForInterest++;
}
if (installment.Number == 1 && _generalSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment =
Math.Round(
installment.InterestsRepayment.Value/_contract.NbOfDaysInTheInstallment*
(_contract.FirstInstallmentDate - _contract.StartDate).Days, _roundingPoint,
MidpointRounding.AwayFromZero);
}
olb -= installment.CapitalRepayment.Value;
schedule.Add(installment);
}
}
if (_contract.Product.RoundingType == ORoundingType.End)
{
schedule[_contract.NbOfInstallments - 1].InterestsRepayment += totalInterest - sumOfInterest;
schedule[_contract.NbOfInstallments - 1].CapitalRepayment += totalAmount - sumOfPrincipal;
}
if (_contract.Product.RoundingType == ORoundingType.Begin)
{
schedule[0].CapitalRepayment += totalInterest - sumOfInterest;
schedule[0].CapitalRepayment += totalAmount - sumOfPrincipal;
}
return schedule;
}
public void TestInstallmentCopy()
{
Installment installment = new Installment(new DateTime(2006, 2, 1), 100, 102, 234, 32, 0, null, 1);
Installment installmentCopyFake = installment;
Installment installmentCopy = installment.Copy();
installment.PaidCapital = 2345678;
Assert.AreEqual(2345678,installmentCopyFake.PaidCapital.Value);
Assert.AreEqual(234,installmentCopy.PaidCapital.Value);
}