public static LoanDisbursmentEvent GenerateLoanDisbursmentEvent(Loan pLoan, ApplicationSettings pGeneralSettings, DateTime pDisburseDate, bool pAlignInstallmentsDatesOnRealDisbursmentDate, bool pDisableFees, User pUser)
{
if (pAlignInstallmentsDatesOnRealDisbursmentDate)
{
//pLoan.StartDate = pDisburseDate;
//for (int i = 1; i <= pLoan.NbOfInstallments; i++)
//{
// pLoan.InstallmentList[i - 1].ExpectedDate = pLoan.CalculateInstallmentDate(pLoan.StartDate, i);
//}
}
else
{
if (pGeneralSettings.PayFirstInterestRealValue)
{
TimeSpan time = pDisburseDate - pLoan.StartDate;
int diffDays = Math.Abs(time.Days);
int nbOfDaysInPeriod = pLoan.InstallmentType.NbOfMonths * AVERAGE_NB_OF_DAYS_IN_MONTH + pLoan.InstallmentType.NbOfDays;
if (pDisburseDate.CompareTo(pLoan.StartDate) < 0)
{
pLoan.GetInstallment(0).InterestsRepayment += (Convert.ToDecimal(pLoan.InterestRate) * diffDays * pLoan.Amount / (double)nbOfDaysInPeriod);
}
else
{
pLoan.GetInstallment(0).InterestsRepayment -= (Convert.ToDecimal(pLoan.InterestRate) * diffDays * pLoan.Amount / (double)nbOfDaysInPeriod);
}
if (AmountComparer.Compare(pLoan.GetInstallment(0).InterestsRepayment, 0) < 0)
{
pLoan.GetInstallment(0).InterestsRepayment = 0;
}
pLoan.GetInstallment(0).InterestsRepayment = Math.Round(pLoan.GetInstallment(0).InterestsRepayment.Value, 2);
}
}
pLoan.Disbursed = true;
LoanDisbursmentEvent lDe = !pDisableFees
? new LoanDisbursmentEvent
{
Date = pDisburseDate,
Amount = pLoan.Amount,
ClientType = pLoan.ClientType
}
: new LoanDisbursmentEvent
{
Date = pDisburseDate,
Amount = pLoan.Amount,
Commissions = null,
ClientType = pLoan.ClientType
};
pLoan.Events.Add(lDe);
return(lDe);
}
public void Repay(ref OCurrency pAmountPaid, ref OCurrency pFeesEvent, ref OCurrency pCommissionsEvent, ref OCurrency pInterestEvent)
{
if (_cco.CancelFees && (_cco.ManualFeesAmount + _cco.ManualCommissionAmount) >= 0)
{
pCommissionsEvent = _cco.ManualCommissionAmount;
pFeesEvent = _cco.ManualFeesAmount;
if (AmountComparer.Compare(pAmountPaid, _cco.ManualFeesAmount + _cco.ManualCommissionAmount) > 0)
{
//pAmountPaid -= _cco.ManualFeesAmount + _cco.ManualCommissionAmount;
}
else
{
pAmountPaid = 0;
}
}
if (_cco.KeepExpectedInstallments)
{
if (_cco.CancelInterests && _cco.ManualInterestsAmount >= 0)
{
OCurrency manualInterestAmount = _cco.ManualInterestsAmount;
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
Installment installment = _contract.GetInstallment(i);
if (!installment.IsRepaid && pAmountPaid > 0 && manualInterestAmount > 0)
{
OCurrency interestHasToPay = installment.InterestsRepayment - installment.PaidInterests;
if (AmountComparer.Compare(manualInterestAmount, interestHasToPay) > 0)
{
pInterestEvent += interestHasToPay;
installment.PaidInterests = installment.InterestsRepayment;
pAmountPaid -= interestHasToPay;
manualInterestAmount -= interestHasToPay;
}
else
{
pInterestEvent += manualInterestAmount;
installment.PaidInterests += manualInterestAmount;
pAmountPaid -= manualInterestAmount;
manualInterestAmount = 0;
}
PaidIstallments.Add(installment);
}
}
}
}
}
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 CalculateFees(DateTime pDate, ref OCurrency pAmountPaid, ref OCurrency pFeesEvent)
{
OCurrency fees = _loan.UseCents
? Math.Round(_bTcffar.CalculateFees(pDate).Value, 2)
: Math.Round(_bTcffar.CalculateFees(pDate).Value, 0);
if (AmountComparer.Compare(fees, pAmountPaid) > 0)
{
pFeesEvent += pAmountPaid;
pAmountPaid = 0;
}
else
{
pAmountPaid -= fees;
pFeesEvent += fees;
}
}
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 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 RepayNextInstallments(ref OCurrency amountPaid, ref OCurrency interestEvent, ref OCurrency interestPrepayment, ref OCurrency principalEvent, ref OCurrency feesEvent, ref OCurrency commissionsEvent)
{
if (amountPaid > 0)
{
OCurrency totalInterest = 0;
OCurrency totalPrincipal = 0;
double nbInterest = 0;
double nbPrincipal = 0;
foreach (Installment _installment in _contract.InstallmentList)
{
if (_installment.InterestsRepayment - _installment.PaidInterests > 0)
{
totalInterest += (_installment.InterestsRepayment - _installment.PaidInterests);
if (!_contract.GracePeriod.HasValue)
{
nbInterest += _contract.Product.ExoticProduct.GetExoticInstallment(_installment.Number - 1).InterestCoeff.Value;
}
else if (_installment.Number > _contract.GracePeriod.Value)
{
nbInterest += _contract.Product.ExoticProduct.GetExoticInstallment(_installment.Number - 1 - _contract.GracePeriod.Value).InterestCoeff.Value;
}
}
if (_installment.CapitalRepayment - _installment.PaidCapital > 0)
{
totalPrincipal += (_installment.CapitalRepayment - _installment.PaidCapital);
if (!_contract.GracePeriod.HasValue)
{
nbPrincipal += _contract.Product.ExoticProduct.GetExoticInstallment(_installment.Number - 1).PrincipalCoeff;
}
else if (_installment.Number > _contract.GracePeriod.Value)
{
nbPrincipal += _contract.Product.ExoticProduct.GetExoticInstallment(_installment.Number - 1 - _contract.GracePeriod.Value).PrincipalCoeff;
}
}
}
if (AmountComparer.Compare(amountPaid, totalInterest) > 0)
{
amountPaid -= totalInterest;
interestEvent += totalInterest;
interestPrepayment += totalInterest;
totalInterest = 0;
}
else
{
totalInterest -= amountPaid;
interestEvent += amountPaid;
interestPrepayment += amountPaid;
amountPaid = 0;
}
if (AmountComparer.Compare(amountPaid, totalPrincipal) > 0)
{
amountPaid -= totalPrincipal;
principalEvent += totalPrincipal;
totalPrincipal = 0;
}
else
{
totalPrincipal -= amountPaid;
principalEvent += amountPaid;
amountPaid = 0;
}
if (totalInterest != 0)
{
totalInterest = totalInterest / (Convert.ToDecimal(nbInterest) * 10);
}
if (totalPrincipal != 0)
{
totalPrincipal = totalPrincipal / (Convert.ToDecimal(nbPrincipal) * 10);
}
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
Installment _installment = _contract.GetInstallment(i);
if (!_installment.IsRepaid)
{
ExoticInstallment exoticInstallment = null;
if (!_contract.GracePeriod.HasValue)
{
exoticInstallment = _contract.Product.ExoticProduct.GetExoticInstallment(i);
_installment.InterestsRepayment = Convert.ToDecimal(exoticInstallment.InterestCoeff.Value) * totalInterest * (double)10;
_installment.CapitalRepayment = Convert.ToDecimal(exoticInstallment.PrincipalCoeff) * totalPrincipal * (double)10;
}
else if (_installment.Number > _contract.GracePeriod.Value)
{
exoticInstallment = _contract.Product.ExoticProduct.GetExoticInstallment(i - _contract.GracePeriod.Value);
_installment.InterestsRepayment = Convert.ToDecimal(exoticInstallment.InterestCoeff.Value) * totalInterest * (double)10;
_installment.CapitalRepayment = Convert.ToDecimal(exoticInstallment.PrincipalCoeff) * totalPrincipal * (double)10;
}
else
{
_installment.InterestsRepayment = totalInterest * Convert.ToDecimal(_contract.InterestRate);
_installment.CapitalRepayment = 0;
}
}
}
}
}
public void TestEqualsWhenFirstNumberGreaterThanSecondOne()
{
Assert.IsFalse(AmountComparer.Equals(243m, 242.97m));
}
public void TestCompareWhenAmount2MinusAmount1LowerThan002()
{
Assert.IsTrue(AmountComparer.Compare(154.014m, 154.033m) == 0);
}
public void TestCompareWhenAmount2MinusAmount1GreaterThan002()
{
Assert.IsTrue(AmountComparer.Compare(154.011m, 154.033m) < 0);
}
public void TestEqualsWhenSecondNumberGreaterThanFirstOneButDifferenceLowerThan002()
{
Assert.IsTrue(AmountComparer.Equals(1567.1234m, 1567.1238m));
}
public void TestCompareWhenAmount1MinusAmount2GreaterThan002()
{
Assert.IsTrue(AmountComparer.Compare(154.033m, 154.001m) > 0);
}
public void TestEqualsWhenFirstNumberGreaterThanSecondOneButDifferenceLowerThan002()
{
Assert.IsTrue(AmountComparer.Equals(243.001m, 243.02m));
}
public void RepayNextInstallments(ref OCurrency amountPaid, ref OCurrency interestEvent, ref OCurrency interestPrepayment, ref OCurrency principalEvent, ref OCurrency feesEvent, ref OCurrency commissionsEvent)
{
if (amountPaid == 0)
{
return;
}
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
Installment installment = _contract.GetInstallment(i);
if (!installment.IsRepaid && amountPaid > 0)
{
//commission
_methodToRepayCommission.RepayCommission(installment, ref amountPaid, ref commissionsEvent);
if (amountPaid == 0)
{
break;
}
//penalty
_methodToRepayFees.RepayFees(installment, ref amountPaid, ref feesEvent);
if (amountPaid == 0)
{
break;
}
//Interests
if (amountPaid == 0)
{
return;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref interestEvent, ref interestPrepayment);
//principal
if (amountPaid == 0)
{
_paidInstallments.Add(installment);
return;
}
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
if (AmountComparer.Compare(amountPaid, principalHasToPay) < 0)
{
installment.PaidCapital += amountPaid;
installment.PaidCapital = Math.Round(installment.PaidCapital.Value, 2);
principalEvent += amountPaid;
amountPaid = 0;
}
else if (AmountComparer.Compare(amountPaid, principalHasToPay) > 0)
{
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
principalEvent += principalHasToPay;
}
else
{
installment.PaidCapital += amountPaid;
installment.PaidCapital = Math.Round(installment.PaidCapital.Value, 2);
principalEvent += amountPaid;
amountPaid = 0;
}
_paidInstallments.Add(installment);
}
}
}
public void RepayInstallments(DateTime payDate,
ref OCurrency amountPaid,
ref OCurrency interestEvent,
ref OCurrency principalEvent,
ref OCurrency feesEvent,
ref OCurrency commissionsEvent,
ref OPaymentType paymentType)
{
if (amountPaid == 0)
{
return;
}
// we need date without time part
payDate = payDate.Date;
Installment installment = null;
int daysInTheYear = _generalSettings.GetDaysInAYear(_contract.StartDate.Year);
int startNumber = 0;
int roundingPoint = _contract.UseCents ? 2 : 0;
OCurrency olb = _contract.CalculateActualOlb();
OCurrency actualOlb = _contract.CalculateActualOlb();
OCurrency interestsToRepay = 0;
OCurrency movedPrincipal = 0;
OCurrency paidPrincipal = 0;
OCurrency paymentOfInterest = 0;
OCurrency totalAmount = _calculateMaximumAmount.CalculateMaximumAmountAuthorizedToRepay(payDate);
DateTime beginDate = _contract.StartDate;
DateTime date = _contract.StartDate;
bool recalculateSchedule = false;
bool totalPayment = totalAmount == amountPaid &&
_contract.GetFirstUnpaidInstallment().Number != _contract.InstallmentList.Count;
#region calculate interest payment)
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
if (!installment.IsRepaid)
{
//get last repDate
if (date < _contract.GetLastRepaymentDate())
{
date = _contract.GetLastRepaymentDate();
beginDate = date;
}
}
}
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
if (installment.IsRepaid)
{
continue;
}
if (installment.Number == 1 && installment.ExpectedDate > payDate)
{
if (installment.PaidCapital == 0 && installment.PaidInterests > 0)
{
date = installment.Number == 1
? _contract.StartDate
: _contract.GetInstallment(installment.Number - 2).ExpectedDate;
beginDate = date;
}
int daySpan = (payDate - _contract.StartDate).Days < 0
? 0
: (payDate - _contract.StartDate).Days;
installment.InterestsRepayment = olb * _contract.InterestRate * daySpan / daysInTheYear;
installment.InterestsRepayment =
Math.Round(installment.InterestsRepayment.Value, roundingPoint,
MidpointRounding.AwayFromZero);
interestsToRepay += installment.InterestsRepayment;
startNumber = 0;
date = installment.ExpectedDate;
}
if (installment.Number > 1 && installment.ExpectedDate > payDate)
{
OCurrency paidInterests = installment.PaidInterests;
int daySpan = (payDate - date).Days < 0 ? 0 : (payDate - date).Days;
installment.InterestsRepayment = olb * _contract.InterestRate * daySpan / daysInTheYear + paidInterests;
installment.InterestsRepayment =
Math.Round(installment.InterestsRepayment.Value, roundingPoint,
MidpointRounding.AwayFromZero);
interestsToRepay += installment.InterestsRepayment - paidInterests;
date = installment.ExpectedDate;
}
if (installment.ExpectedDate <= payDate)
{
OCurrency calculatedInterest = 0;
OCurrency paidInterest = 0;
if (installment.PaidInterests > 0 &&
installment.InterestsRepayment > installment.PaidInterests)
{
calculatedInterest = installment.PaidInterests;
}
if (installment.PaidCapital == 0 &&
installment.PaidInterests > 0 &&
installment.PaidInterests != installment.InterestsRepayment)
{
DateTime dateOfInstallment = installment.Number == 1
? _contract.StartDate
: _contract.GetInstallment(installment.Number - 2).ExpectedDate;
int d = (date - dateOfInstallment).Days;
OCurrency olbBeforePayment =
_contract.Events.GetRepaymentEvents().Where(
repaymentEvent =>
!repaymentEvent.Deleted && repaymentEvent.Date <= dateOfInstallment).
Aggregate(
_contract.Amount,
(current, repaymentEvent) => current - repaymentEvent.Principal);
calculatedInterest =
(olbBeforePayment * Convert.ToDecimal(_contract.InterestRate) / daysInTheYear * d).Value;
calculatedInterest = Math.Round(calculatedInterest.Value, roundingPoint,
MidpointRounding.AwayFromZero);
if (installment.PaidInterests < calculatedInterest && actualOlb == olbBeforePayment)
{
paidInterest = installment.PaidInterests.Value;
calculatedInterest = 0;
date = dateOfInstallment;
}
if (installment.PaidInterests < calculatedInterest && actualOlb != olbBeforePayment)
{
paidInterest = 0;
calculatedInterest = installment.PaidInterests;
}
}
DateTime expectedDate = installment.ExpectedDate;
//in case very late repayment
if (installment.Number == _contract.InstallmentList.Count &&
installment.ExpectedDate < payDate &&
installment.PaidCapital == 0)
{
expectedDate = payDate;
}
int daySpan = (expectedDate - date).Days < 0
? 0
: (expectedDate - date).Days;
if (daySpan == 0 && calculatedInterest > 0)
{
interestsToRepay += calculatedInterest - installment.PaidInterests;
}
if (daySpan > 0)
{
installment.InterestsRepayment = Math.Round((olb * _contract.InterestRate / daysInTheYear * daySpan).Value,
roundingPoint, MidpointRounding.AwayFromZero);
installment.InterestsRepayment =
Math.Round(calculatedInterest.Value + installment.InterestsRepayment.Value,
roundingPoint,
MidpointRounding.AwayFromZero);
interestsToRepay += installment.InterestsRepayment - calculatedInterest - paidInterest;
date = installment.ExpectedDate;
}
}
}
#endregion
#region Repay installment
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
#region payment on time
if (installment.ExpectedDate == payDate)
{
OCurrency interestPrepayment = 0;
installment.CommissionsUnpaid = 0;
installment.FeesUnpaid = 0;
installment.PaidFees = 0;
//interest
if (amountPaid == 0)
{
break;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref paymentOfInterest,
ref interestPrepayment);
interestsToRepay -= paymentOfInterest;
if (interestsToRepay < amountPaid && amountPaid > 0)
{
if (!totalPayment)
{
if (
AmountComparer.Compare(amountPaid,
installment.CapitalRepayment - installment.PaidCapital) > 0)
{
if (installment.CapitalRepayment - installment.PaidCapital == amountPaid)
{
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
paidPrincipal += principalHasToPay;
}
else
{
OCurrency paidCapital = installment.PaidCapital;
movedPrincipal = amountPaid - installment.CapitalRepayment + paidCapital;
installment.PaidCapital = amountPaid + paidCapital;
installment.CapitalRepayment = amountPaid + paidCapital;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
else
{
installment.PaidCapital += amountPaid;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
else
{
installment.PaidCapital = amountPaid;
installment.CapitalRepayment = amountPaid;
paidPrincipal += amountPaid;
amountPaid = 0;
paymentType = OPaymentType.TotalPayment;
}
}
PaidIstallments.Add(installment);
if (installment.PaidCapital > 0)
{
olb -= paidPrincipal;
}
else
{
olb -= installment.CapitalRepayment;
}
beginDate = installment.ExpectedDate;
startNumber = installment.Number;
recalculateSchedule = true;
principalEvent += paidPrincipal;
interestEvent += paymentOfInterest;
paidPrincipal = 0;
paymentOfInterest = 0;
if (amountPaid == 0)
{
break;
}
}
#endregion
#region payment installmets which is late
if (installment.ExpectedDate < payDate)
{
OCurrency interestPrepayment = 0;
installment.CommissionsUnpaid = 0;
installment.FeesUnpaid = 0;
installment.PaidFees = 0;
recalculateSchedule = true;
//interest
if (amountPaid == 0)
{
break;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref paymentOfInterest,
ref interestPrepayment);
interestsToRepay -= paymentOfInterest;
if (amountPaid - interestsToRepay > 0 && amountPaid > 0)
{
if (AmountComparer.Compare(amountPaid, installment.CapitalRepayment - installment.PaidCapital) > 0)
{
if (amountPaid - interestsToRepay < installment.CapitalRepayment - installment.PaidCapital)
{
OCurrency paidCapital = installment.PaidCapital;
installment.PaidCapital = amountPaid - interestsToRepay + paidCapital;
amountPaid -= installment.PaidCapital - paidCapital;
paidPrincipal += installment.PaidCapital - paidCapital;
}
else
{
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
paidPrincipal += principalHasToPay;
}
}
else
{
installment.PaidCapital += amountPaid - interestsToRepay;
paidPrincipal += amountPaid - interestsToRepay;
amountPaid -= paidPrincipal;
}
}
if (paidPrincipal > 0 || paymentOfInterest > 0)
{
PaidIstallments.Add(installment);
}
if (installment.PaidCapital > 0)
{
olb -= paidPrincipal;
}
else
{
olb -= installment.CapitalRepayment;
}
startNumber = installment.Number;
beginDate = installment.ExpectedDate;
principalEvent += paidPrincipal;
interestEvent += paymentOfInterest;
paidPrincipal = 0;
paymentOfInterest = 0;
if (amountPaid == 0)
{
break;
}
}
#endregion
#region early payment
if (installment.ExpectedDate > payDate)
{
OCurrency interestPrepayment = 0;
installment.CommissionsUnpaid = 0;
installment.FeesUnpaid = 0;
installment.PaidFees = 0;
recalculateSchedule = true;
//interest
if (amountPaid == 0)
{
break;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref paymentOfInterest,
ref interestPrepayment);
interestsToRepay -= paymentOfInterest;
if (amountPaid - interestsToRepay > 0 && amountPaid > 0)
{
if (AmountComparer.Compare(amountPaid, installment.CapitalRepayment - installment.PaidCapital) > 0)
{
if (installment.CapitalRepayment - installment.PaidCapital == amountPaid)
{
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
paidPrincipal += principalHasToPay;
}
else
{
OCurrency paidCapital = installment.PaidCapital;
movedPrincipal = amountPaid - installment.CapitalRepayment + paidCapital;
installment.PaidCapital = amountPaid + paidCapital;
installment.CapitalRepayment = amountPaid + paidCapital;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
else
{
installment.PaidCapital += amountPaid;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
if (paidPrincipal > 0)
{
startNumber = installment.Number;
}
if (installment.CapitalRepayment - installment.PaidCapital > 0 &&
installment.CapitalRepayment > 0)
{
startNumber = installment.Number - 1;
}
beginDate = startNumber > 0 ? installment.ExpectedDate : _contract.StartDate;
if (installment.PaidCapital > 0)
{
olb -= paidPrincipal;
}
else
{
if (startNumber == installment.Number)
{
olb -= installment.CapitalRepayment;
}
}
if (paidPrincipal > 0 || paymentOfInterest > 0)
{
PaidIstallments.Add(installment);
}
principalEvent += paidPrincipal;
interestEvent += paymentOfInterest;
paidPrincipal = 0;
paymentOfInterest = 0;
if (installment.CapitalRepayment > 0 &&
installment.CapitalRepayment - installment.PaidCapital == 0 &&
olb > 0)
{
OCurrency paidInterests = installment.PaidInterests;
int daySpan = (installment.ExpectedDate - payDate).Days < 0
? 0
: (installment.ExpectedDate - payDate).Days;
installment.InterestsRepayment = paidInterests.Value +
Math.Round((olb * _contract.InterestRate / daysInTheYear * daySpan).Value
, roundingPoint, MidpointRounding.AwayFromZero);
}
if (amountPaid == 0)
{
break;
}
}
#endregion
}
#endregion
//recalculate installmets after repayment
if (recalculateSchedule)
{
OCurrency o = _contract.CalculateActualOlb();
bool isCapitalRemoved = false;
bool isInterestCalculated = false;
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
if (installment.Number > startNumber)
{
OCurrency remainingPrincipal = 0;
Installment priorInstallment = null;
Installment priorInstallment1 = null;
if (installment.Number > 1)
{
priorInstallment = _contract.GetInstallment(installment.Number - 2);
}
if (installment.Number > 2)
{
priorInstallment1 = _contract.GetInstallment(installment.Number - 3);
}
if (priorInstallment != null &&
priorInstallment.CapitalRepayment - priorInstallment.PaidCapital > 0 &&
priorInstallment.PaidCapital > 0 &&
!isCapitalRemoved)
{
remainingPrincipal = priorInstallment.CapitalRepayment - priorInstallment.PaidCapital;
isCapitalRemoved = true;
}
if (installment.CapitalRepayment - installment.PaidCapital > 0 &&
installment.PaidCapital > 0 &&
!isCapitalRemoved)
{
remainingPrincipal = -1 * installment.PaidCapital.Value;
isCapitalRemoved = true;
beginDate = payDate;
}
// balloon case /////////////////////
if (installment.CapitalRepayment == 0 &&
installment.PaidCapital == 0 &&
installment.PaidInterests == 0)
{
beginDate = installment.Number > 1 ? priorInstallment.ExpectedDate : _contract.StartDate;
isInterestCalculated = false;
isCapitalRemoved = true;
}
/////////////////////////////
if (priorInstallment != null &&
priorInstallment1 != null &&
priorInstallment.InterestHasToPay == 0 &&
installment.PaidCapital == 0 &&
priorInstallment1.PaidCapital > 0 &&
priorInstallment1.CapitalRepayment - priorInstallment1.PaidCapital > 0 &&
!isCapitalRemoved)
{
olb = o;
remainingPrincipal = priorInstallment.CapitalRepayment + priorInstallment1.CapitalRepayment -
priorInstallment1.PaidCapital;
isCapitalRemoved = true;
}
if (installment.InterestsRepayment == 0)
{
o = olb;
}
installment.OLB = Math.Round(olb.Value, roundingPoint);
if (installment.ExpectedDate > payDate &&
installment.PaidInterests > 0 &&
olb == actualOlb)
{
beginDate = installment.Number > 1 ? priorInstallment.ExpectedDate : _contract.StartDate;
}
DateTime expectedDate = installment.ExpectedDate;
//in case very late repayment
if (installment.Number == _contract.InstallmentList.Count &&
installment.ExpectedDate < payDate &&
installment.PaidCapital == 0)
{
expectedDate = payDate;
beginDate = priorInstallment.ExpectedDate;
}
int days = (expectedDate - beginDate).Days;
if (installment.PaidInterests == installment.InterestsRepayment && days < 0)
{
days = 0;
}
OCurrency interestPayment =
(o * Convert.ToDecimal(_contract.InterestRate) / daysInTheYear * days).Value;
if (olb == actualOlb && !isInterestCalculated)
{
installment.InterestsRepayment =
Math.Round(interestPayment.Value, roundingPoint, MidpointRounding.AwayFromZero);
isInterestCalculated = true;
}
else
{
installment.InterestsRepayment +=
Math.Round(interestPayment.Value, roundingPoint, MidpointRounding.AwayFromZero);
}
if (installment.PaidCapital == 0 && movedPrincipal > 0)
{
movedPrincipal -= installment.CapitalRepayment;
if (movedPrincipal > 0)
{
installment.CapitalRepayment = 0;
}
else
{
installment.CapitalRepayment = installment.CapitalRepayment -
(installment.CapitalRepayment + movedPrincipal);
}
}
if (!totalPayment)
{
olb -= installment.CapitalRepayment + remainingPrincipal;
}
else
{
installment.CapitalRepayment = 0;
}
if (installment.PaidInterests != installment.InterestsRepayment && days >= 0)
{
beginDate = installment.ExpectedDate;
}
o = olb;
}
else
{
beginDate = payDate >= installment.ExpectedDate ? payDate : installment.ExpectedDate;
}
}
}
if (installment != null)
{
for (int i = installment.Number; i < _contract.NbOfInstallments; i++)
{
_contract.GetInstallment(i).FeesUnpaid = 0;
}
}
}
public void TestEqualsWhenThe2NumbersAreReallyEquals()
{
Assert.IsTrue(AmountComparer.Equals(123.3456m, 123.3456m));
}
public void Sort()
{
AmountComparer ac = new AmountComparer();
list.Sort(ac);
}
public void RepayNextInstallments(ref OCurrency amountPaid, ref OCurrency interestEvent, ref OCurrency interestPrepayment, ref OCurrency principalEvent, ref OCurrency feesEvent, ref OCurrency commissionsEvent)
{
if (amountPaid <= 0) return;
OCurrency totalInterest = 0;
OCurrency totalPrincipal = 0;
double nbInterest = 0;
double nbPrincipal = 0;
foreach (Installment installment in _contract.InstallmentList)
{
if(installment.InterestsRepayment - installment.PaidInterests > 0)
{
totalInterest += (installment.InterestsRepayment - installment.PaidInterests);
if (!_contract.GracePeriod.HasValue)
{
nbInterest += _contract.Product.ExoticProduct.GetExoticInstallment(installment.Number - 1).InterestCoeff.Value;
}
else if (installment.Number > _contract.GracePeriod.Value)
{
nbInterest += _contract.Product.ExoticProduct.GetExoticInstallment(installment.Number - 1 - _contract.GracePeriod.Value).InterestCoeff.Value;
}
}
if(installment.CapitalRepayment - installment.PaidCapital > 0)
{
totalPrincipal += (installment.CapitalRepayment - installment.PaidCapital);
if (!_contract.GracePeriod.HasValue)
{
nbPrincipal += _contract.Product.ExoticProduct.GetExoticInstallment(installment.Number - 1).PrincipalCoeff;
}
else if (installment.Number > _contract.GracePeriod.Value)
{
nbPrincipal += _contract.Product.ExoticProduct.GetExoticInstallment(installment.Number - 1 - _contract.GracePeriod.Value).PrincipalCoeff;
}
}
}
if(AmountComparer.Compare(amountPaid,totalInterest) > 0)
{
amountPaid -= totalInterest;
interestEvent += totalInterest;
interestPrepayment += totalInterest;
totalInterest = 0;
}
else
{
totalInterest -= amountPaid;
interestEvent += amountPaid;
interestPrepayment += amountPaid;
amountPaid = 0;
}
if(AmountComparer.Compare(amountPaid,totalPrincipal) > 0)
{
amountPaid -= totalPrincipal;
principalEvent += totalPrincipal;
totalPrincipal = 0;
}
else
{
totalPrincipal -= amountPaid;
principalEvent += amountPaid;
amountPaid = 0;
}
if(totalInterest != 0)
totalInterest = totalInterest / (Convert.ToDecimal(nbInterest) * 10);
if(totalPrincipal != 0)
totalPrincipal = totalPrincipal / (Convert.ToDecimal(nbPrincipal) * 10);
OCurrency interestForLastInstallment = 0;
OCurrency capitalForLastInstallment = 0;
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
Installment installment = _contract.GetInstallment(i);
if(!installment.IsRepaid)
{
ExoticInstallment exoticInstallment;
if (!_contract.GracePeriod.HasValue)
{
exoticInstallment = _contract.Product.ExoticProduct.GetExoticInstallment(i);
OCurrency tempInterest = Convert.ToDecimal(exoticInstallment.InterestCoeff)*totalInterest*(double)10;
OCurrency tempCapital = Convert.ToDecimal(exoticInstallment.PrincipalCoeff)*totalPrincipal*(double)10;
installment.InterestsRepayment = Math.Truncate(tempInterest.Value);
installment.CapitalRepayment = Math.Truncate(tempCapital.Value);
interestForLastInstallment += tempInterest - installment.InterestsRepayment;
capitalForLastInstallment += tempCapital - installment.CapitalRepayment;
}
else if (installment.Number > _contract.GracePeriod.Value)
{
exoticInstallment = _contract.Product.ExoticProduct.GetExoticInstallment(i - _contract.GracePeriod.Value);
OCurrency tempInterest = Convert.ToDecimal(exoticInstallment.InterestCoeff) * totalInterest * (double)10;
OCurrency tempCapital = Convert.ToDecimal(exoticInstallment.PrincipalCoeff) * totalPrincipal * (double)10;
installment.InterestsRepayment = Math.Truncate(tempInterest.Value);
installment.CapitalRepayment = Math.Truncate(tempCapital.Value);
interestForLastInstallment += tempInterest - installment.InterestsRepayment;
capitalForLastInstallment += tempCapital - installment.CapitalRepayment;
}
else
{
OCurrency tempInterest = 0;
if (totalInterest != 0)
tempInterest = totalPrincipal * Convert.ToDecimal(_contract.InterestRate);
installment.InterestsRepayment = Math.Truncate(tempInterest.Value);
installment.CapitalRepayment = 0;
interestForLastInstallment += tempInterest - installment.InterestsRepayment;
}
}
_paidInstallments.Add(installment);
}
Installment lastInstallment = _contract.GetInstallment(_contract.NbOfInstallments - 1);
lastInstallment.InterestsRepayment += interestForLastInstallment;
lastInstallment.CapitalRepayment += capitalForLastInstallment;
lastInstallment.InterestsRepayment = lastInstallment.InterestsRepayment;
lastInstallment.CapitalRepayment = lastInstallment.CapitalRepayment;
lastInstallment.InterestsRepayment = Math.Round(lastInstallment.InterestsRepayment.Value, 0);
lastInstallment.CapitalRepayment = Math.Round(lastInstallment.CapitalRepayment.Value, 0);
}
public void TestEqualsWhenSecondNumberGreaterThanFirstOne()
{
Assert.IsFalse(AmountComparer.Equals(242.974321m, 243.0001m));
}
