public CreditContractRepayment(Loan pContract, CreditContractOptions pCCo, DateTime pDate,int pInstallmentNumber, User pUser, ApplicationSettings pGeneralSettings,NonWorkingDateSingleton pNonWorkingDate)
{
_generalSettings = pGeneralSettings;
_nWds = pNonWorkingDate;
_date = pDate;
_installmentNumber = pInstallmentNumber;
PaidIstallments = new List<Installment>();
_amountToRepayTottalyLoan = new CalculateMaximumAmountToRepayStrategy(pCCo, pContract.Copy(), pUser, _generalSettings,_nWds);
_amountToRegradingLoan = new CalculateMaximumAmountToRegradingLoanStrategy(pCCo, pContract.Copy(), pUser, _generalSettings, _nWds);
_amountToRepayInstallment = new CalculateAmountToRepaySpecifiedInstallmentStrategy(pCCo, pContract.Copy(), pUser, _generalSettings, _nWds);
_calculateInstallments = new Repayment.RepayLateInstallments.CalculateInstallments(pCCo, pContract, pUser, _generalSettings, _nWds);
_feesForAnticipatedRepayment = new CalculateAnticipatedFeesStrategy(pCCo, pContract, _generalSettings);
_repayNextInstallments = new RepayNextInstallmentsStrategy(pContract, pCCo, pUser, _generalSettings);
_repaymentMethod = new RepaymentMethod(pContract,pCCo);
CalculateMaximumAmountAuthorizedToRepay();
CalculateAmountToRegradingLoan();
CalculateMaximumAmountForEscapedMember();
LoanOptions = pCCo;
}
public OCurrency CalculateAmountToRepaySpecifiedInstallment(int pNumber, DateTime pDate,
bool pCancelFees, OCurrency pManualFeesAmount, OCurrency pManualCommissionAmount,
bool pDisableInterests, OCurrency pManualInterests, bool pKeepExpectedInstallment)
{
CreditContractOptions cCo =
new CreditContractOptions(Product.LoanType, pKeepExpectedInstallment,
pCancelFees, pManualFeesAmount, pManualCommissionAmount,
pDisableInterests, pManualInterests, Product.AnticipatedTotalRepaymentPenaltiesBase);
CreditContractRepayment cCr = new CreditContractRepayment(this, cCo, pDate, pNumber, _user, _generalSettings, _nwdS);
return cCr.AmountToRepayInstallment;
}
public OCurrency CalculateMaximumAmountForEscapedMember(int pNumber, DateTime pDate,
bool pCancelFees, OCurrency pManualFeesAmount, OCurrency pManualCommissionAmount,
bool pDisableInterests, OCurrency pManualInterests, bool pKeepExpectedInstallment, OCurrency pLoanShareAmount)
{
var cCo = new CreditContractOptions(Product.LoanType, pKeepExpectedInstallment,
pCancelFees, pManualFeesAmount, pManualCommissionAmount,
pDisableInterests, pManualInterests,
Product.AnticipatedTotalRepaymentPenaltiesBase, Product.IsExotic);
var cCr = new CreditContractRepayment(this, cCo, pDate, pNumber, _user, _generalSettings, _nwdS);
return cCr.MaximumAmountForEscapedMember;
}
/// <summary>
/// This method manages all the repayment cases implemented in OCTOPUS
/// </summary>
/// <param name="pNumber">pNumber of the installment paid</param>
/// <param name="pDate">pDate of the payment</param>
/// <param name="pAmountPaid">amount paid by the client which can be lower, equal or greater than the expected amount for an installment</param>
/// <param name="cancelFees">when true, cancel anticipated payment Commission</param>
/// <param name="manualFeesAmount">manual amount of commission (when anticipated payment commission are cancelled)</param>
/// <returns>A RepaymentEvent or null if :
/// - repayment amount lower than 0
/// - repayment amount greater than olb + interestsToPay + commission
/// - installment already repaid
/// - bad loan and past due days greater than 180
/// </returns>
/// <param name="manualCommissionAmount"></param>
/// <param name="disableInterests"></param>
/// <param name="manualInterests"></param>
/// <param name="keepExpectedInstallment"></param>
/// <param name="paymentMethod"></param>
/// <param name="comment"></param>
/// <param name="pending"></param>
public RepaymentEvent Repay(int pNumber, DateTime pDate, OCurrency pAmountPaid,
bool cancelFees, OCurrency manualFeesAmount, OCurrency manualCommissionAmount,
bool disableInterests, OCurrency manualInterests, bool keepExpectedInstallment,
OPaymentMethods paymentMethod, string comment, bool pending)
{
OCurrency anticipatePayment = CalculateAnticipateInteresAmountForClosure(pDate, OPaymentType.PartialPayment)
+ CalculateTotalNonRepaymentPenalties(pDate);
if (anticipatePayment >= pAmountPaid || (anticipatePayment == 0 && GetInstallment(pNumber - 1).ExpectedDate <= pDate))
{
keepExpectedInstallment = true;
}
var cCo = new CreditContractOptions(Product.LoanType,
keepExpectedInstallment,
cancelFees,
manualFeesAmount,
manualCommissionAmount,
disableInterests,
manualInterests,
Product.AnticipatedTotalRepaymentPenaltiesBase,
Product.IsExotic);
var cCr = new CreditContractRepayment(this, cCo, pDate, pNumber, _user, _generalSettings, _nwdS);
if (AmountComparer.Compare(pAmountPaid, cCr.MaximumAmountAuthorizeToRepay, pNumber) > 0)
{
return null;
}
OCurrency principalEvent = 0;
OCurrency interestEvent = 0;
OCurrency interestPrepayment = 0;
OCurrency penaltiesEvent = 0;
OCurrency commissionsEvent = 0;
OCurrency manualInterestEvent = cCo.ManualInterestsAmount;
int pastDueDays = CalculatePastDueSinceLastRepayment(pDate);
OPaymentType paymentType = OPaymentType.StandardPayment;
foreach (Installment installment in InstallmentList)
{
if (!installment.IsRepaid && installment.Number == pNumber && !keepExpectedInstallment)
{
paymentType = OPaymentType.PartialPayment;
}
}
//we have total repayment for a person
if(EscapedMember != null)
{
paymentType = OPaymentType.PartialPayment;
keepExpectedInstallment = false;
cCo.KeepExpectedInstallments = false;
}
if (AmountComparer.Compare(pAmountPaid, cCr.MaximumAmountAuthorizeToRepay, pNumber) == 0 && !keepExpectedInstallment)
{
paymentType = OPaymentType.TotalPayment;
}
cCr.Repay(pAmountPaid, ref penaltiesEvent, ref commissionsEvent, ref interestEvent,
ref interestPrepayment, ref principalEvent, ref manualInterestEvent, paymentType);
//this part of code to correct calculation of principal
OCurrency principalAmount = principalEvent;
foreach (RepaymentEvent rPayment in Events.GetRepaymentEvents())
{
if (!rPayment.Deleted)
principalAmount += rPayment.Principal;
if (principalAmount > Amount)
{
principalEvent -= Math.Round(principalAmount.Value, 2) - Amount;
}
}
// when we keep initial schedule and total payment
if (AmountComparer.Compare(pAmountPaid, cCr.MaximumAmountAuthorizeToRepay, pNumber) == 0 && (pNumber != InstallmentList.Count) && AllInstallmentsRepaid)
{
paymentType = OPaymentType.TotalPayment;
}
//////////////////////////////////////////////////////////////
RepaymentEvent rPe = CreateRepaymentEvent(pNumber, pDate, penaltiesEvent, commissionsEvent, interestEvent,
interestPrepayment, principalEvent, pastDueDays,
_clientType == OClientTypes.Group, paymentType, pending);
if (AllInstallmentsRepaid && !pending)
{
if (ContractStatus != OContractStatus.WrittenOff)
{
_closed = true;
ContractStatus = OContractStatus.Closed;
CloseDate = pDate;
}
// check if Client has other 'active' loans if so, mark him as active client
if (Project != null)
foreach (var loan in Project.Credits)
Project.Client.Active = loan.ContractStatus == OContractStatus.Active;
}
//Event identification
Events.Add(GenerateRepaymentEvents(cCr, pDate, penaltiesEvent, commissionsEvent, interestEvent,
interestPrepayment, principalEvent, pastDueDays, paymentType,
pending, pNumber, paymentMethod));
//principal amount correction in case of shit which is taken place when we do big prepayment
//please remove it when all shity contracts will be closed
OCurrency paidPrincipal = 0;
foreach (RepaymentEvent repaymentEvent in Events.GetLoanRepaymentEvents())
{
if(repaymentEvent.Deleted == false)
{
paidPrincipal += repaymentEvent.Principal;
}
if(paidPrincipal > Amount)
{
repaymentEvent.Principal += Amount - paidPrincipal;
}
}
//////////////////////////////////////////////////////////////////////////////////////////////
_installmentList.Sort((x, y) => x.ExpectedDate.CompareTo(y.ExpectedDate));
foreach (Installment installment in InstallmentList)
{
//setup paid date for installments
if (installment.IsRepaid && installment.Number > pNumber)
{
installment.PaidDate = pDate;
installment.PaymentMethod = paymentMethod;
installment.Comment = comment;
installment.IsPending = pending;
}
else if (installment.Number == pNumber)
{
installment.PaidDate = pDate;
installment.PaymentMethod = paymentMethod;
installment.Comment = comment;
installment.IsPending = pending;
}
installment.OLB = CalculateExpectedOlb(installment.Number, keepExpectedInstallment);
}
EscapedMember = null;
return rPe;
}
public OCurrency CalculateMaximumAmountAuthorizedToRepay(int pNumber, DateTime pDate,
bool pCancelFees, OCurrency pManualFeesAmount, OCurrency pManualCommissionAmount,
bool pDisableInterests, OCurrency pManualInterests, bool pKeepExpectedInstallment, bool pIsForExoticProduct)
{
Loan fakeLoan = Copy();
if (_generalSettings.AccountingProcesses == OAccountingProcesses.Accrual && !pKeepExpectedInstallment)
{
fakeLoan.CreateLoanInterestAccruingEvent(pDate);
}
CreditContractOptions cCo = new CreditContractOptions(Product.LoanType, pKeepExpectedInstallment,
pCancelFees, pManualFeesAmount, pManualCommissionAmount,
pDisableInterests, pManualInterests, Product.AnticipatedTotalRepaymentPenaltiesBase, pIsForExoticProduct);
CreditContractRepayment cCr = new CreditContractRepayment(fakeLoan, cCo, pDate, pNumber, _user, _generalSettings, _nwdS);
return cCr.MaximumAmountAuthorizeToRepay;
}