public void Repay(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pFeesEvent)
{
//Nothing to modify
pInstallment.PaidFees += pFeesEvent;
pAmountPaid -= pFeesEvent;
pFeesEvent = 0;
}
private static void ManualRepayMethod(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pCommisionEvent)
{
pInstallment.PaidCommissions = pCommisionEvent;
pAmountPaid -= pCommisionEvent;
pCommisionEvent = 0;
//Nothing to modify
}
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);
}
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);
}
installment.OLB = olb;
installment.InterestsRepayment = Math.Round(olb.Value * Convert.ToDecimal(_contract.InterestRate), RoundingPoint);
if (number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
installment.InterestsRepayment = 0;
installment.CapitalRepayment = 0;
}
else
{
ExoticInstallment exoInstallment = _contract.Product.ExoticProduct.GetExoticInstallment(number - _contract.GracePeriod.Value - 1);
OCurrency capital = Convert.ToDecimal(exoInstallment.PrincipalCoeff) * _contract.Amount.Value;
installment.CapitalRepayment = Math.Round(capital.Value, RoundingPoint);
olb -= capital;
}
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;
//return _iCI.CalculateInstallments(changeDate);
}
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;
}
}
private void _Reschedule_ExtendMaturity(int newInstallments)
{
if (newInstallments > 0)
{
int lastNumber = _contract.LastInstallment.Number;
for (int i = 1; i <= newInstallments; i++)
{
DateTime expectedDate = _contract.CalculateInstallmentDate(_contract.FirstInstallmentDate, lastNumber + i - 1);
Installment installment = new Installment
{
Number = lastNumber + i,
CapitalRepayment = 0,
PaidCapital = 0,
CommissionsUnpaid = 0,
FeesUnpaid = 0,
InterestsRepayment = 1,
PaidInterests = 0,
ExpectedDate = expectedDate
};
_contract.AddInstallment(installment);
}
}
}
private void _Reschedule_DecliningFixedInstallments(ReschedulingOptions ro)
{
int months = _contract.InstallmentType.NbOfMonths;
int days = _contract.InstallmentType.NbOfDays;
int rounding = _contract.UseCents ? 2 : 0;
// Split installments into two lists - paid and unpaid
List<Installment> paidInstallments = new List<Installment>();
List<Installment> unpaidInstallments = new List<Installment>();
foreach (Installment installment in _contract.InstallmentList)
{
if (installment.IsRepaid)
{
paidInstallments.Add(installment);
}
else
{
unpaidInstallments.Add(installment);
}
}
// Add new installments
if (ro.NewInstallments > 0)
{
int lastNumber = unpaidInstallments[unpaidInstallments.Count - 1].Number;
for (int i = 1; i <= ro.NewInstallments; i++)
{
Installment installment = new Installment();
installment.Number = lastNumber + i;
installment.CapitalRepayment = 0;
installment.PaidCapital = 0;
installment.InterestsRepayment = 0;
installment.PaidInterests = 0;
installment.FeesUnpaid = 0;
installment.CommissionsUnpaid = 0;
unpaidInstallments.Add(installment);
}
}
// We want to recalculate installments if new installments are introduced,
// interest rate is changed, or the first unpaid installment is partially paid.
int moveToNext = 0;
if (unpaidInstallments[0].IsPartiallyRepaid && ro.GracePeriod > 0)
{
moveToNext = 1;
}
if (ro.NewInstallments > 0 || _contract.InterestRate != ro.InterestRate || unpaidInstallments[0].IsPartiallyRepaid)
{
OCurrency initialOlb = unpaidInstallments[0].OLB - unpaidInstallments[0].PaidCapital;
int n = unpaidInstallments.Count - ro.GracePeriod - moveToNext;
// We use the formula below to calculate monthly annuity payments
//OCurrency monthly = 0 == r ? initialOlb / n : initialOlb * r * Math.Pow(1 + r, n) / (Math.Pow(1 + r, n) - 1);
OCurrency monthly = _contract.VPM(initialOlb, n, ro.InterestRate);
monthly = Math.Round(monthly.Value, rounding, MidpointRounding.AwayFromZero); //_Reschedule_Round(monthly);
// Now loop through the unpaid installments and calculate the principal and the interest
OCurrency sum = 0;
OCurrency olb = initialOlb;
foreach (Installment installment in unpaidInstallments)
{
OCurrency interest = olb * ro.InterestRate;
if (installment.IsPartiallyRepaid && ro.GracePeriod > 0)
{
installment.InterestsRepayment = installment.PaidInterests;
installment.CapitalRepayment = installment.PaidCapital;
}
else
{
if (installment.Number > ro.GracePeriod + unpaidInstallments[0].Number - 1 + moveToNext)
{
OCurrency principal = monthly - interest;
installment.CapitalRepayment = Math.Round(principal.Value, rounding,
MidpointRounding.AwayFromZero);
}
else
{
installment.CapitalRepayment = 0;
}
if ((installment.Number > ro.GracePeriod + unpaidInstallments[0].Number - 1 + moveToNext) ||
(ro.ChargeInterestDuringGracePeriod))
{
installment.InterestsRepayment = Math.Round(interest.Value, rounding,
MidpointRounding.AwayFromZero);
}
else
{
installment.InterestsRepayment = 0;
}
if (ro.GracePeriod > 0)
{
if (!installment.IsPartiallyRepaid)
{
sum += installment.CapitalRepayment;
installment.OLB = olb;
olb -= installment.CapitalRepayment.Value;
}
}
else
{
sum += installment.CapitalRepayment;
installment.OLB = olb;
olb -= installment.CapitalRepayment.Value;
}
}
}
// As a result of rounding there might be some difference between the
// initial OLB and the sum of installment repayments. Thus we have to
// compensate for this difference.
OCurrency diff = sum - initialOlb;
if (diff != 0)
{
unpaidInstallments[ro.GracePeriod + moveToNext].CapitalRepayment -= diff;
int firstNumber = unpaidInstallments[ro.GracePeriod + moveToNext].Number;
// Iterate through all unpaid but first
foreach (Installment installment in unpaidInstallments.FindAll(x => x.Number > firstNumber))
{
installment.OLB += diff;
}
}
}
// Adjust the amount of interest for the first installment
if ((ro.RepaymentDateOffset > 0 && ro.ChargeInterestDuringShift) || (_contract.FirstDateChanged && 1 == unpaidInstallments[0].Number))
{
DateTime startDate;
DateTime endDate1;
DateTime endDate2;
if (0 == paidInstallments.Count)
{
startDate = _contract.StartDate;
endDate1 = startDate.AddMonths(months).AddDays(days);
endDate2 = _contract.FirstInstallmentDate.AddDays(ro.RepaymentDateOffset * (ro.ChargeInterestDuringShift ? 1 : 0));
}
else
{
startDate = paidInstallments[paidInstallments.Count - 1].ExpectedDate;
endDate1 = startDate.AddMonths(months).AddDays(days);
endDate2 = endDate1.AddDays(ro.RepaymentDateOffset * (ro.ChargeInterestDuringShift ? 1 : 0));
}
TimeSpan oldSpan = endDate1 - startDate;
TimeSpan newSpan = endDate2 - startDate;
double olb = Convert.ToDouble(unpaidInstallments[0].OLB.Value);
double ratio;
if (ro.GracePeriod > 0 && !ro.ChargeInterestDuringGracePeriod)
{
ratio = (double)(newSpan.Days - oldSpan.Days) / oldSpan.Days;
}
else
{
ratio = (double)newSpan.Days / oldSpan.Days;
}
OCurrency interest = Convert.ToDecimal(olb * ro.InterestRate * ratio);
interest = Math.Round(interest.Value, rounding, MidpointRounding.AwayFromZero);
unpaidInstallments[0].InterestsRepayment = interest;
}
if (unpaidInstallments[0].IsPartiallyRepaid)
{
int instNum = ro.GracePeriod > 0 ? ro.GracePeriod - 1 : 0;
unpaidInstallments[instNum].CapitalRepayment += unpaidInstallments[0].PaidCapital;
unpaidInstallments[instNum].OLB += unpaidInstallments[0].PaidCapital;
}
// Adjust dates
DateTime baseDate = unpaidInstallments[0].ExpectedDate.AddDays(ro.RepaymentDateOffset);
int num = 0;
foreach (Installment installment in unpaidInstallments)
{
DateTime d = baseDate.AddMonths(months * num).AddDays(days * num);
d = _nwdS.GetTheNearestValidDate(d, _generalSettings.IsIncrementalDuringDayOff,
_generalSettings.DoNotSkipNonWorkingDays, true);
installment.ExpectedDate = d;
num++;
}
// Merge the lists back into one
_contract.InstallmentList = paidInstallments;
_contract.InstallmentList.AddRange(unpaidInstallments);
_contract.NbOfInstallments = _contract.InstallmentList.Count();
}
public void Repay(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pInterestEvent, ref OCurrency pInterestPrepayment)
{
//Nothing to modify
}
public List<Installment> CalculateInstallments(bool pChangeDate)
{
List<Installment> schedule = new List<Installment>();
OCurrency olb = _startAmount;
OCurrency VPM = 0;
for (int number = 1; number <= _contract.NbOfInstallments; number++)
{
Installment installment;
if (pChangeDate)
{
installment = new Installment {Number = number};
installment.ExpectedDate = _contract.CalculateInstallmentDate(_contract.AlignDisbursementDate,
installment.Number);
}
else
{
installment = _contract.GetInstallment(number - 1);
}
installment.FeesUnpaid = 0;
installment.InterestsRepayment = Math.Round(olb.Value*Convert.ToDecimal(_contract.InterestRate),
RoundingPoint, MidpointRounding.AwayFromZero);
if (installment.Number <= _contract.GracePeriod)
{
if (!_contract.Product.ChargeInterestWithinGracePeriod)
installment.InterestsRepayment = 0;
installment.CapitalRepayment = 0;
}
else
{
OCurrency installmentVPM = Math.Round(_contract.VPM(olb, _numberOfInstallmentsToPay - installment.Number + 1).Value,
RoundingPoint, MidpointRounding.AwayFromZero);
if ((_contract.Product.RoundingType == ORoundingType.End ||
_contract.Product.RoundingType == ORoundingType.Begin) && VPM == 0)
{
VPM = installmentVPM;
}
else if (_contract.Product.RoundingType == ORoundingType.Approximate)
{
VPM = installmentVPM;
}
OCurrency capital =
Math.Round((VPM.Value - Math.Round(olb.Value * Convert.ToDecimal(_contract.InterestRate), RoundingPoint)),
RoundingPoint, MidpointRounding.AwayFromZero);
installment.CapitalRepayment = capital;
//to count the difference in case End and Beging rounding type
OCurrency InstallemtDiff = VPM - (installment.CapitalRepayment + installment.InterestsRepayment);
if(InstallemtDiff != 0)
installment.CapitalRepayment += InstallemtDiff;
olb -= capital + InstallemtDiff;
///////////////////////////////////////////////////////////////
}
if (installment.Number == 1 && GeneralSettings.PayFirstInterestRealValue)
{
installment.InterestsRepayment =
Math.Round(
installment.InterestsRepayment.Value/_contract.NbOfDaysInTheInstallment*
(_contract.FirstInstallmentDate - _contract.StartDate).Days, RoundingPoint,
MidpointRounding.AwayFromZero);
}
if (pChangeDate)
{
schedule.Add(installment);
}
}
if (_contract.Product.RoundingType == ORoundingType.End && olb != 0)
{
schedule[_contract.NbOfInstallments - 1].CapitalRepayment += olb;
}
if (_contract.Product.RoundingType == ORoundingType.Begin && olb != 0)
{
schedule[0].CapitalRepayment += olb;
}
olb = _startAmount;
OCurrency capetalRepayment = 0;
//OLB Calculation
foreach (Installment installment in schedule)
{
olb -= capetalRepayment;
installment.OLB = olb;
capetalRepayment = installment.CapitalRepayment;
}
return schedule;
//return _iCs.CalculateInstallments(pChangeDate);
}
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;
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;
if (_contract.GracePeriod.HasValue && number <= _contract.GracePeriod)
{
installment.CapitalRepayment = 0;
if (_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = Math.Round((totalInterest.Value - sumOfInterest.Value) / (_contract.NbOfInstallments - installmentNumberWithoutGracePeriodForInterest), RoundingPoint);
sumOfInterest += installment.InterestsRepayment;
installmentNumberWithoutGracePeriodForInterest++;
}
else
{
installment.InterestsRepayment = 0;
installmentNumberWithoutGracePeriodForInterest++;
}
}
else
{
installment.CapitalRepayment = decimal.Round((totalAmount.Value - sumOfPrincipal.Value) / (nbOfInstallmentWithoutGracePeriod - installmentNumberWithoutGracePeriodForCapital), RoundingPoint);
sumOfPrincipal += installment.CapitalRepayment;
installmentNumberWithoutGracePeriodForCapital++;
installment.InterestsRepayment = Math.Round((totalInterest.Value - sumOfInterest.Value) / (_contract.NbOfInstallments - installmentNumberWithoutGracePeriodForInterest), RoundingPoint);
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);
}
olb -= installment.CapitalRepayment.Value;
schedule.Add(installment);
}
}
else
{
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;
if (_contract.GracePeriod.HasValue && number <= _contract.GracePeriod)
{
installment.CapitalRepayment = 0;
if (_contract.Product.ChargeInterestWithinGracePeriod)
{
installment.InterestsRepayment = _initialOLBOfContractBeforeRescheduling.Value * Convert.ToDecimal(_contract.InterestRate);
// decimal.Round((totalInterest.Value - sumOfInterest.Value) / (_contract.NbOfInstallments - installmentNumberWithoutGracePeriodForInterest), 2);
}
else
{
installment.InterestsRepayment = 0;
}
}
else
{
installment.CapitalRepayment = Math.Round((totalAmount.Value - sumOfPrincipal.Value) / (nbOfInstallmentWithoutGracePeriod - installmentNumberWithoutGracePeriodForCapital), RoundingPoint);
sumOfPrincipal += installment.CapitalRepayment;
installmentNumberWithoutGracePeriodForCapital++;
installment.InterestsRepayment = _initialOLBOfContractBeforeRescheduling.Value * Convert.ToDecimal(_contract.InterestRate);
//installment.InterestsRepayment = decimal.Round((totalInterest.Value - sumOfInterest.Value) / (_contract.NbOfInstallments - installmentNumberWithoutGracePeriodForInterest), 2);
}
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;
//return _iCS.CalculateInstallments(changeDate);
}
private void _Tranche_ExtendMaturity(int newInstallments, DateTime pFirstInstallmentDate)
{
if (newInstallments > 0)
{
List<Installment> listInstallment = new List<Installment>();
listInstallment.AddRange(_currentLoan.InstallmentList);
foreach (Installment _installment in _currentLoan.InstallmentList)
{
if (!_installment.IsRepaid)
{
listInstallment.Remove(_installment);
}
}
int lastNumber = listInstallment.Count;
_trancheEvent.StartedFrom = lastNumber;
for (int i = 1; i <= newInstallments; i++)
{
DateTime expectedDate = _currentLoan.CalculateInstallmentDate(pFirstInstallmentDate, i);
Installment installment = new Installment
{
Number = lastNumber + i,
CapitalRepayment = 0,
PaidCapital = 0,
CommissionsUnpaid = 0,
FeesUnpaid = 0,
InterestsRepayment = 1,
PaidInterests = 0,
ExpectedDate = expectedDate
};
listInstallment.Add(installment);
}
_currentLoan.InstallmentList = listInstallment;
_currentLoan.NbOfInstallments = _currentLoan.InstallmentList.Count;
}
}
public void AddInstallment(Installment pInstallment)
{
_installmentList.Add(pInstallment);
}
public void RepayFees(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pFeesEvent)
{
_methodToCalculateFees.Repay(pInstallment,ref pAmountPaid, ref pFeesEvent);
}
public void RepayInterest(Installment pInstallment, ref OCurrency pAmountPaid, ref OCurrency pInterestEvent,ref OCurrency pInterestPrepayment)
{
_methodToCalculateInterest.Repay(pInstallment, ref pAmountPaid, ref pInterestEvent,ref pInterestPrepayment);
}
