private DateTime GetLastEndDate(IEnumerable<Installment> schedule, ITrancheConfiguration trancheConfiguration)
{
var installment = (from i in schedule
where i.ExpectedDate <= trancheConfiguration.StartDate
select i).LastOrDefault();
if (installment == null) return schedule.First().StartDate;
return installment.ExpectedDate;
}
public List<Installment> BuildTranche(IEnumerable<Installment> schedule, IScheduleBuilder scheduleBuilder, IScheduleConfiguration scheduleConfiguration, ITrancheConfiguration trancheConfiguration)
{
var rhc = (IScheduleConfiguration)scheduleConfiguration.Clone();
rhc.Amount = trancheConfiguration.Amount;
rhc.NumberOfInstallments = trancheConfiguration.NumberOfInstallments;
rhc.GracePeriod = trancheConfiguration.GracePeriod;
rhc.InterestRate = trancheConfiguration.InterestRate;
rhc.StartDate = trancheConfiguration.StartDate;
rhc.PreferredFirstInstallmentDate = trancheConfiguration.PreferredFirstInstallmentDate;
var lhc = (IScheduleConfiguration)rhc.Clone();
lhc.Amount = schedule.Sum(i => i.CapitalRepayment.Value - i.PaidCapital.Value);
if (!trancheConfiguration.ApplyNewInterestRateToOlb)
{
lhc.InterestRate = scheduleConfiguration.InterestRate;
}
var lhs = scheduleBuilder.BuildSchedule(lhc);
var rhs = scheduleBuilder.BuildSchedule(rhc);
var result = new List<Installment>();
// Merge the two schedules
var max = Math.Max(lhs.Count, rhs.Count);
for (var i = 0; i < max; i++)
{
var lhi = i >= lhs.Count ? null : lhs[i];
var rhi = i >= rhs.Count ? null : rhs[i];
Installment installment;
if (lhi == null)
{
installment = rhi;
}
else if (rhi == null)
{
installment = lhi;
}
else
{
installment = new Installment
{
Number = lhi.Number,
StartDate = lhi.StartDate,
ExpectedDate = lhi.ExpectedDate,
//RepaymentDate = lhi.RepaymentDate,
CapitalRepayment = lhi.CapitalRepayment + rhi.CapitalRepayment,
InterestsRepayment = lhi.InterestsRepayment + rhi.InterestsRepayment,
OLB = lhi.OLB + rhi.OLB,
};
}
result.Add(installment);
}
result[0].InterestsRepayment += GetExtraInterest(schedule, scheduleConfiguration, trancheConfiguration);
return result;
}
private decimal GetExtraInterest(IEnumerable<Installment> schedule,
IScheduleConfiguration scheduleConfiguration,
ITrancheConfiguration trancheConfiguration)
{
var days = (trancheConfiguration.StartDate - GetLastEndDate(schedule, trancheConfiguration)).Days;
var daysInYear = scheduleConfiguration.YearPolicy.GetNumberOfDays(trancheConfiguration.StartDate);
var olb = schedule.Sum(i => i.CapitalRepayment.Value - i.PaidCapital.Value);
var interest = olb * scheduleConfiguration.InterestRate / 100 * days / daysInYear;
return scheduleConfiguration.RoundingPolicy.Round(interest);
}
private decimal GetExtraInterest(IEnumerable <Installment> schedule,
IScheduleConfiguration scheduleConfiguration,
ITrancheConfiguration trancheConfiguration)
{
var days = (trancheConfiguration.StartDate - GetLastEndDate(schedule, trancheConfiguration)).Days;
var daysInYear = scheduleConfiguration.YearPolicy.GetNumberOfDays(trancheConfiguration.StartDate);
var olb = schedule.Sum(i => i.CapitalRepayment.Value - i.PaidCapital.Value);
var interest = olb * scheduleConfiguration.InterestRate / 100 * days / daysInYear;
return(scheduleConfiguration.RoundingPolicy.Round(interest));
}
private DateTime GetLastEndDate(IEnumerable <Installment> schedule, ITrancheConfiguration trancheConfiguration)
{
var installment = (from i in schedule
where i.ExpectedDate <= trancheConfiguration.StartDate
select i).LastOrDefault();
if (installment == null)
{
return(schedule.First().StartDate);
}
return(installment.ExpectedDate);
}
public Loan AddTranche(Loan loan, IClient client, ITrancheConfiguration trancheConfiguration, IList<LoanEntryFee> entryFees, PaymentMethod paymentMethod)
{
using (var connection = _loanManager.GetConnection())
using (var transaction = connection.BeginTransaction())
{
try
{
CheckTranche(trancheConfiguration.StartDate, loan, trancheConfiguration.Amount);
var copyOfLoan = SimulateTranche(loan, trancheConfiguration);
var startInstallment =
copyOfLoan.InstallmentList
.FindAll(i => i.ExpectedDate <= trancheConfiguration.StartDate)
.LastOrDefault();
var trancheEvent = new TrancheEvent
{
Amount = trancheConfiguration.Amount,
ApplyNewInterest = trancheConfiguration.ApplyNewInterestRateToOlb,
Maturity = trancheConfiguration.NumberOfInstallments,
StartDate = trancheConfiguration.StartDate,
Date = trancheConfiguration.StartDate,
InterestRate = trancheConfiguration.InterestRate/100,
Number = copyOfLoan.GivenTranches.Count,
FirstRepaymentDate = trancheConfiguration.PreferredFirstInstallmentDate,
GracePeriod = trancheConfiguration.GracePeriod,
StartedFromInstallment = startInstallment == null ? 0 : startInstallment.Number,
User = _user,
PaymentMethod = paymentMethod
};
trancheEvent.User = _user;
//insert into table TrancheEvent
_ePs.FireEvent(trancheEvent, copyOfLoan, transaction);
copyOfLoan.Events.Add(trancheEvent);
CallInterceptor(new Dictionary<string, object>
{
{"Loan", copyOfLoan},
{"Event", trancheEvent},
{"SqlTransaction", transaction}
});
// Add entry fee events
foreach (var entryFee in entryFees)
{
if (entryFee.FeeValue == 0) continue;
var entryFeeEvent = new LoanEntryFeeEvent
{
Fee = entryFee.FeeValue,
Code = "LEE" + entryFee.ProductEntryFee.Index,
DisbursementEventId = trancheEvent.Id,
Cancelable = true,
User = User.CurrentUser,
Date = trancheEvent.Date
};
_ePs.FireEvent(entryFeeEvent, copyOfLoan, transaction);
copyOfLoan.Events.Add(entryFeeEvent);
}
var trancheEntryFeeEvent =
copyOfLoan.Events.OfType<LoanEntryFeeEvent>()
.First(i => i.DisbursementEventId == trancheEvent.Id);
if (trancheEntryFeeEvent != null)
CallInterceptor(new Dictionary<string, object>
{
{"Loan", copyOfLoan},
{
"Event", new LoanEntryFeeEvent
{
Id = trancheEntryFeeEvent.Id,
Fee = entryFees.Sum(i => i.FeeValue),
Code = "LEE0"
}
},
{"SqlTransaction", transaction}
});
ArchiveInstallments(loan, trancheEvent, transaction);
//delete all the old installments of the table Installments
_instalmentManager.DeleteInstallments(loan.Id, transaction);
//insert all the new installments in the table Installments
_instalmentManager.AddInstallments(copyOfLoan.InstallmentList, copyOfLoan.Id, transaction);
//Activate the contract if it's closed because of new tranch
if (copyOfLoan.Closed)
{
copyOfLoan.ContractStatus = OContractStatus.Active;
copyOfLoan.Closed = false;
_loanManager.UpdateLoan(copyOfLoan, transaction);
}
//in the feature might be combine UpdateLoan + UpdateLoanWithinTranche
_loanManager.UpdateLoanWithinTranche(
trancheConfiguration.InterestRate/100,
copyOfLoan.NbOfInstallments,
copyOfLoan,
transaction);
copyOfLoan.GivenTranches.Add(trancheEvent);
transaction.Commit();
SetClientStatus(copyOfLoan, client);
return copyOfLoan;
}
catch
{
transaction.Rollback();
throw;
}
}
}
public Loan SimulateTranche(Loan loan, ITrancheConfiguration trancheConfiguration)
{
var copyOfLoan = loan.Copy();
var scheduleConfiguration = _configurationFactory
.Init()
.WithLoan(copyOfLoan)
.Finish()
.GetConfiguration();
var schedule = Mapper.Map<IEnumerable<Installment>, IEnumerable<IInstallment>>(copyOfLoan.InstallmentList);
var scheduleBuilder = new ScheduleBuilder();
var trancheBuilder = new TrancheBuilder();
var trancheAssembler = new TrancheAssembler();
var copyOfTrancheConfiguration = (ITrancheConfiguration) trancheConfiguration.Clone();
copyOfTrancheConfiguration.InterestRate *=
(decimal) scheduleConfiguration.PeriodPolicy.GetNumberOfPeriodsInYear(
copyOfTrancheConfiguration.StartDate,
scheduleConfiguration.YearPolicy);
schedule = trancheAssembler.AssembleTranche(
schedule,
scheduleConfiguration,
copyOfTrancheConfiguration,
scheduleBuilder,
trancheBuilder);
var newSchedule = Mapper.Map<IEnumerable<IInstallment>, List<Installment>>(schedule);
foreach (var installment in newSchedule)
{
var oldInstallment = copyOfLoan.InstallmentList.Find(i => i.Number == installment.Number);
if (oldInstallment == null) break;
installment.Comment = oldInstallment.Comment;
installment.PaidFees = oldInstallment.PaidFees;
installment.PaidCommissions = oldInstallment.PaidCommissions;
installment.FeesUnpaid = oldInstallment.FeesUnpaid;
installment.CommissionsUnpaid = oldInstallment.CommissionsUnpaid;
installment.IsPending = oldInstallment.IsPending;
//installment.PaidDate = oldInstallment.PaidDate;
}
copyOfLoan.InstallmentList = newSchedule;
copyOfLoan.NbOfInstallments = newSchedule.Count();
copyOfLoan.Amount += trancheConfiguration.Amount;
return copyOfLoan;
}
private IEnumerable<Installment> BuildTranche(IEnumerable<Installment> schedule,Loan loan, IScheduleConfiguration scheduleConfiguration, ITrancheConfiguration trancheConfiguration)
{
var copyOfLoan = loan.Copy();
loan.Amount = trancheConfiguration.Amount;
loan.NbOfInstallments = trancheConfiguration.NumberOfInstallments;
loan.GracePeriod = trancheConfiguration.GracePeriod;
loan.InterestRate = trancheConfiguration.InterestRate/100;
loan.StartDate = trancheConfiguration.StartDate;
loan.FirstInstallmentDate = trancheConfiguration.PreferredFirstInstallmentDate;
var rhs = SimulateScheduleCreation(loan);
loan.Amount = schedule.Sum(i => i.CapitalRepayment.Value - i.PaidCapital.Value);
if (!trancheConfiguration.ApplyNewInterestRateToOlb)
{
loan.InterestRate = copyOfLoan.InterestRate;
}
var lhs = SimulateScheduleCreation(loan);
var result = new List<Installment>();
// Merge the two schedules
var max = Math.Max(lhs.Count, rhs.Count);
for (var i = 0; i < max; i++)
{
var lhi = i >= lhs.Count ? null : lhs[i];
var rhi = i >= rhs.Count ? null : rhs[i];
Installment installment;
if (lhi == null)
{
installment = rhi;
}
else if (rhi == null)
{
installment = lhi;
}
else
{
installment = new Installment
{
Number = lhi.Number,
StartDate = lhi.StartDate,
ExpectedDate = lhi.ExpectedDate,
//RepaymentDate = lhi.RepaymentDate,
CapitalRepayment = lhi.CapitalRepayment + rhi.CapitalRepayment,
InterestsRepayment = lhi.InterestsRepayment + rhi.InterestsRepayment,
OLB = lhi.OLB + rhi.OLB,
};
}
result.Add(installment);
}
result[0].InterestsRepayment += GetExtraInterest(schedule, scheduleConfiguration, trancheConfiguration);
return result;
}
private List<Installment> AssembleTranche(Loan loan, IScheduleConfiguration scheduleConfiguration, ITrancheConfiguration trancheConfiguration)
{
var schedule = loan.InstallmentList;
var trancheSchedule = BuildTranche(schedule, loan, scheduleConfiguration, trancheConfiguration);
// Get an interested paid in advance, whereas "in advance" means after the new tranche date
var overpaidInterest = (
from installment in schedule
where installment.ExpectedDate > trancheConfiguration.StartDate
select installment
).Sum(installment => installment.PaidInterests.Value);
// Get the part of the schedule that comes before the tranche date...
var newSchedule =
from installment in schedule
where installment.ExpectedDate <= trancheConfiguration.StartDate
select installment;
// ...and force close it (set expected equal to paid)
var olbDifference = 0m;
foreach (var installment in newSchedule)
{
installment.OLB += olbDifference;
olbDifference += installment.CapitalRepayment.Value - installment.PaidCapital.Value;
if (!(installment.CapitalRepayment == installment.PaidCapital && installment.InterestsRepayment == installment.PaidInterests))
{
installment.PaidDate = trancheConfiguration.StartDate;
}
installment.CapitalRepayment = installment.PaidCapital;
installment.InterestsRepayment = installment.PaidInterests;
}
// Adjust the new schedule's installment numbers
var increment = newSchedule.Count();
foreach (var installment in trancheSchedule)
{
installment.Number += increment;
}
var result = new List<Installment>();
result.AddRange(newSchedule);
// Distribute the overpaid interest
foreach (var installment in trancheSchedule)
{
if (installment.InterestsRepayment < overpaidInterest)
{
installment.PaidInterests = installment.InterestsRepayment;
overpaidInterest -= installment.InterestsRepayment.Value;
}
else
{
installment.PaidInterests = overpaidInterest;
break;
}
}
result.AddRange(trancheSchedule);
return result;
}
public Loan SimulateTranche(Loan loan, ITrancheConfiguration trancheConfiguration)
{
var copyOfLoan = loan.Copy();
var scheduleConfiguration = _configurationFactory
.Init()
.WithLoan(copyOfLoan)
.Finish()
.GetConfiguration();
var schedule = copyOfLoan.InstallmentList;
var scheduleBuilder = new ScheduleBuilder();
var trancheBuilder = new TrancheBuilder();
var trancheAssembler = new TrancheAssembler();
var copyOfTrancheConfiguration = (ITrancheConfiguration)trancheConfiguration.Clone();
var newSchedule = new List<Installment>();
if (loan.Product.ScriptName == null)
newSchedule = trancheAssembler.AssembleTranche(
schedule,
scheduleConfiguration,
copyOfTrancheConfiguration,
scheduleBuilder,
trancheBuilder).ToList();
else
newSchedule = AssembleTranche(copyOfLoan, scheduleConfiguration, trancheConfiguration);
foreach (var installment in newSchedule)
{
var oldInstallment = copyOfLoan.InstallmentList.Find(i => i.Number == installment.Number);
if (oldInstallment == null) break;
installment.Comment = oldInstallment.Comment;
installment.PaidFees = oldInstallment.PaidFees;
installment.PaidCommissions = oldInstallment.PaidCommissions;
installment.FeesUnpaid = oldInstallment.FeesUnpaid;
installment.CommissionsUnpaid = oldInstallment.CommissionsUnpaid;
installment.IsPending = oldInstallment.IsPending;
//installment.PaidDate = oldInstallment.PaidDate;
}
copyOfLoan.InstallmentList = newSchedule;
copyOfLoan.NbOfInstallments = newSchedule.Count();
copyOfLoan.Amount += trancheConfiguration.Amount;
return copyOfLoan;
}
public IEnumerable <Installment> AssembleTranche(
IEnumerable <Installment> schedule,
IScheduleConfiguration scheduleConfiguration,
ITrancheConfiguration trancheConfiguration,
IScheduleBuilder scheduleBuilder,
ITrancheBuilder trancheBuilder)
{
// Build a new combined schedule
var trancheSchedule = trancheBuilder.BuildTranche(schedule, scheduleBuilder, scheduleConfiguration, trancheConfiguration);
// Get an interested paid in advance, whereas "in advance" means after the new tranche date
var overpaidInterest = (
from installment in schedule
where installment.ExpectedDate > trancheConfiguration.StartDate
select installment
).Sum(installment => installment.PaidInterests.Value);
// Get the part of the schedule that comes before the tranche date...
var newSchedule =
from installment in schedule
where installment.ExpectedDate <= trancheConfiguration.StartDate
select installment;
// ...and force close it (set expected equal to paid)
var olbDifference = 0m;
foreach (var installment in newSchedule)
{
installment.OLB += olbDifference;
olbDifference += installment.CapitalRepayment.Value - installment.PaidCapital.Value;
if (!(installment.CapitalRepayment == installment.PaidCapital && installment.InterestsRepayment == installment.PaidInterests))
{
installment.PaidDate = trancheConfiguration.StartDate;
}
installment.CapitalRepayment = installment.PaidCapital;
installment.InterestsRepayment = installment.PaidInterests;
}
// Adjust the new schedule's installment numbers
var increment = newSchedule.Count();
foreach (var installment in trancheSchedule)
{
installment.Number += increment;
}
var result = new List <Installment>();
result.AddRange(newSchedule);
// Distribute the overpaid interest
foreach (var installment in trancheSchedule)
{
if (installment.InterestsRepayment < overpaidInterest)
{
installment.PaidInterests = installment.InterestsRepayment;
overpaidInterest -= installment.InterestsRepayment.Value;
}
else
{
installment.PaidInterests = overpaidInterest;
break;
}
}
result.AddRange(trancheSchedule);
return(result);
}
public IEnumerable<IInstallment> AssembleTranche(
IEnumerable<IInstallment> schedule,
IScheduleConfiguration scheduleConfiguration,
ITrancheConfiguration trancheConfiguration,
IScheduleBuilder scheduleBuilder,
ITrancheBuilder trancheBuilder)
{
// Build a new combined schedule
var trancheSchedule = trancheBuilder.BuildTranche(schedule, scheduleBuilder, scheduleConfiguration, trancheConfiguration);
// Get an interested paid in advance, whereas "in advance" means after the new tranche date
var overpaidInterest = (
from installment in schedule
where installment.RepaymentDate > trancheConfiguration.StartDate
select installment
).Sum(installment => installment.PaidInterest);
// Get the part of the schedule that comes before the tranche date...
var newSchedule =
from installment in schedule
where installment.RepaymentDate <= trancheConfiguration.StartDate
select installment;
// ...and force close it (set expected equal to paid)
var olbDifference = 0m;
foreach (var installment in newSchedule)
{
installment.Olb += olbDifference;
olbDifference += installment.Principal - installment.PaidPrincipal;
if (!(installment.Principal == installment.PaidPrincipal && installment.Interest == installment.PaidInterest))
{
installment.LastPaymentDate = trancheConfiguration.StartDate;
}
installment.Principal = installment.PaidPrincipal;
installment.Interest = installment.PaidInterest;
}
// Adjust the new schedule's installment numbers
var increment = newSchedule.Count();
foreach (var installment in trancheSchedule)
{
installment.Number += increment;
}
var result = new List<IInstallment>();
result.AddRange(newSchedule);
// Distribute the overpaid interest
foreach (var installment in trancheSchedule)
{
if (installment.Interest < overpaidInterest)
{
installment.PaidInterest = installment.Interest;
overpaidInterest -= installment.Interest;
}
else
{
installment.PaidInterest = overpaidInterest;
break;
}
}
result.AddRange(trancheSchedule);
return result;
}
public List <Installment> BuildTranche(IEnumerable <Installment> schedule, IScheduleBuilder scheduleBuilder, IScheduleConfiguration scheduleConfiguration, ITrancheConfiguration trancheConfiguration)
{
var rhc = (IScheduleConfiguration)scheduleConfiguration.Clone();
rhc.Amount = trancheConfiguration.Amount;
rhc.NumberOfInstallments = trancheConfiguration.NumberOfInstallments;
rhc.GracePeriod = trancheConfiguration.GracePeriod;
rhc.InterestRate = trancheConfiguration.InterestRate;
rhc.StartDate = trancheConfiguration.StartDate;
rhc.PreferredFirstInstallmentDate = trancheConfiguration.PreferredFirstInstallmentDate;
var lhc = (IScheduleConfiguration)rhc.Clone();
lhc.Amount = schedule.Sum(i => i.CapitalRepayment.Value - i.PaidCapital.Value);
if (!trancheConfiguration.ApplyNewInterestRateToOlb)
{
lhc.InterestRate = scheduleConfiguration.InterestRate;
}
var lhs = scheduleBuilder.BuildSchedule(lhc);
var rhs = scheduleBuilder.BuildSchedule(rhc);
var result = new List <Installment>();
// Merge the two schedules
var max = Math.Max(lhs.Count, rhs.Count);
for (var i = 0; i < max; i++)
{
var lhi = i >= lhs.Count ? null : lhs[i];
var rhi = i >= rhs.Count ? null : rhs[i];
Installment installment;
if (lhi == null)
{
installment = rhi;
}
else if (rhi == null)
{
installment = lhi;
}
else
{
installment = new Installment
{
Number = lhi.Number,
StartDate = lhi.StartDate,
ExpectedDate = lhi.ExpectedDate,
//RepaymentDate = lhi.RepaymentDate,
CapitalRepayment = lhi.CapitalRepayment + rhi.CapitalRepayment,
InterestsRepayment = lhi.InterestsRepayment + rhi.InterestsRepayment,
OLB = lhi.OLB + rhi.OLB,
};
}
result.Add(installment);
}
result[0].InterestsRepayment += GetExtraInterest(schedule, scheduleConfiguration, trancheConfiguration);
return(result);
}
public Loan AddTranche(Loan loan, IClient client, ITrancheConfiguration trancheConfiguration)
{
using (var connection = _loanManager.GetConnection())
using (var transaction = connection.BeginTransaction())
{
try
{
CheckTranche(trancheConfiguration.StartDate, loan, trancheConfiguration.Amount);
var copyOfLoan = SimulateTranche(loan, trancheConfiguration);
var startInstallment =
copyOfLoan.InstallmentList
.FindAll(i => i.ExpectedDate <= trancheConfiguration.StartDate)
.LastOrDefault();
var trancheEvent = new TrancheEvent
{
Amount = trancheConfiguration.Amount,
ApplyNewInterest = trancheConfiguration.ApplyNewInterestRateToOlb,
Maturity = trancheConfiguration.NumberOfInstallments,
StartDate = trancheConfiguration.StartDate,
Date = trancheConfiguration.StartDate,
InterestRate = trancheConfiguration.InterestRate / 100,
Number = copyOfLoan.GivenTranches.Count,
FirstRepaymentDate = trancheConfiguration.PreferredFirstInstallmentDate,
GracePeriod = trancheConfiguration.GracePeriod,
StartedFromInstallment = startInstallment == null ? 0 : startInstallment.Number,
User = _user,
};
trancheEvent.User = _user;
//insert into table TrancheEvent
_ePs.FireEvent(trancheEvent, copyOfLoan, transaction);
ArchiveInstallments(loan, trancheEvent, transaction);
//delete all the old installments of the table Installments
_instalmentManager.DeleteInstallments(loan.Id, transaction);
//insert all the new installments in the table Installments
_instalmentManager.AddInstallments(copyOfLoan.InstallmentList, copyOfLoan.Id, transaction);
//Activate the contract if it's closed because of new tranch
if (copyOfLoan.Closed)
{
copyOfLoan.ContractStatus = OContractStatus.Active;
copyOfLoan.Closed = false;
_loanManager.UpdateLoan(copyOfLoan, transaction);
}
//in the feature might be combine UpdateLoan + UpdateLoanWithinTranche
_loanManager.UpdateLoanWithinTranche(
trancheConfiguration.InterestRate / 100,
copyOfLoan.NbOfInstallments,
copyOfLoan,
transaction);
copyOfLoan.Events.Add(trancheEvent);
copyOfLoan.GivenTranches.Add(trancheEvent);
transaction.Commit();
SetClientStatus(copyOfLoan, client);
return copyOfLoan;
}
catch
{
transaction.Rollback();
throw;
}
}
}
