public async Task EvaluateApplication(LoanApplication loanApplication)
{
var score = ApplicationScore.Green;
var explanation = new List <string>();
//property value
if (loanApplication.Property.Value < loanApplication.LoanAmount)
{
score = ApplicationScore.Red;
explanation.Add("Property value is lower than loan amount.");
}
//max age
if (DateTime.Now.Year + loanApplication.LoanNumberOfYears - loanApplication.Customer.Birthdate.Year > 65)
{
score = ApplicationScore.Red;
explanation.Add("Customer age at last installment date is above 65");
}
//income vs installment
if (loanApplication.LoanAmount / (loanApplication.LoanNumberOfYears * 12) >
loanApplication.Customer.MonthlyIncome * 0.15M)
{
score = ApplicationScore.Red;
explanation.Add("Installment is higher than 15% of customer's income");
}
//is debtor
var debtorInfo = await debtorRegistryClient.GetDebtorInfo(loanApplication.Customer.NationalIdentifier);
if (debtorInfo.Debts.Any())
{
score = ApplicationScore.Red;
explanation.Add("Customer is registered in debtor registry");
}
loanApplication.Score = score;
loanApplication.ScoreExplanation = string.Join(Environment.NewLine, explanation.ToArray());
}
public void ValidateLoanApplication(LoanApplication loanApplication)
{
new LoanApplicationValidator().ValidateAndThrow(loanApplication);
}
