public void DecliningRate_ExoticInstallments_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, null),
new ExoticInstallment(2, 0.1, null),
new ExoticInstallment(3, 0.1, null),
new ExoticInstallment(4, 0.1, null),
new ExoticInstallment(5, 0.1, null),
new ExoticInstallment(6, 0.5, null)
},
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 100.00m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 27.00m, 100.00m, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 24.00m, 100.00m, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 21.00m, 100.00m, 700);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 18.00m, 100.00m, 600);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 15.00m, 500.00m, 500);
}
private static OCurrency _AccruedInterestsLoanBalance(Loan pCredit)
{
if (!pCredit.Disbursed || pCredit.Rescheduled) return 0;
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0) return 0;
foreach (Installment installment in pCredit.InstallmentList)
{
if(!installment.IsRepaid)
{
DateTime date = installment.Number == 1
? pCredit.StartDate
: pCredit.GetInstallment(installment.Number - 2).ExpectedDate;
int days = (TimeProvider.Today - date).Days;
OCurrency accruedInterest = installment.InterestsRepayment * (double)days / (double)DateTime.DaysInMonth(date.Year, date.Month);
accruedInterest -= installment.PaidInterests;
return accruedInterest > 0 ? accruedInterest : 0;
}
}
return 0;
}
public void FlatRate_BiWeeklyInstallmentType_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1, UseCents = true}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32.14m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 30.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 30.00m, 250, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 30.00m, 250, 750);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 30.00m, 250, 500);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 3, 27), 30.00m, 250, 250);
}
public void TestDisburseWhenDisburseDateEqualsToContractStartDate()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.03m,6,1,new DateTime(2006,1,1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
EntryFee entryFee = new EntryFee();
entryFee.Value = 5;
entryFee.IsRate = true;
entryFee.Id = 21;
LoanEntryFee loanEntryFee = new LoanEntryFee();
loanEntryFee.FeeValue = 5;
loanEntryFee.ProductEntryFee = entryFee;
loanEntryFee.ProductEntryFeeId = 21;
myContract.LoanEntryFeesList = new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(loanEntryFee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,1,1),false,false);
Assert.AreEqual(new DateTime(2006,1,1),myContract.StartDate);
Assert.AreEqual(30m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m,lDE.Amount.Value);
Assert.AreEqual(50m,lDE.Commissions[0].Fee.Value);
}
public void TestDisburseWhenBiWeeklyInstallmentType()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weelky", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.02m, 6, 1, new DateTime(2006, 1, 2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
EntryFee entryFee = new EntryFee();
entryFee.Value = 5;
entryFee.IsRate = true;
entryFee.Id = 21;
LoanEntryFee loanEntryFee = new LoanEntryFee();
loanEntryFee.FeeValue = 5;
loanEntryFee.ProductEntryFee = entryFee;
loanEntryFee.ProductEntryFeeId = 21;
myContract.LoanEntryFeesList = new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(loanEntryFee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006, 1, 6), false, false);
Assert.AreEqual(new DateTime(2006,1,2), myContract.StartDate);
Assert.AreEqual(14.29m, myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m, lDE.Amount.Value);
Assert.AreEqual(50m, lDE.Commissions[0].Fee.Value);
}
public void TestContract9InstallmentsDecliningRateWhenLittleOverPaid()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = false;
Loan myContract = new Loan(package,1500,0.03m,9,1,new DateTime(2006,1,1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.AnticipatedTotalRepaymentPenalties = 0.02;
Assert.AreEqual(45m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(0,myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006,2,1),myContract.GetInstallment(0).ExpectedDate);
RepaymentEvent rPE = myContract.Repay(1,new DateTime(2006,2,1),45m,false,false);
Assert.AreEqual(45,myContract.GetInstallment(0).PaidInterests.Value);
Assert.AreEqual(0,myContract.GetInstallment(0).PaidCapital.Value);
Assert.AreEqual(0m,rPE.Fees.Value);
Assert.AreEqual(45m,rPE.Interests.Value);
Assert.AreEqual(0m,rPE.Principal.Value);
}
public void TestCalculatePastDueSinceLastRepayment2()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = false,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
PaymentMethod paymentMethod = new PaymentMethod(1, "Cash", "", false);
myContract.Repay(1, new DateTime(2006, 6, 1), 30, true, 0, 0, false, 0, true, false, false, paymentMethod);
Assert.IsTrue(myContract.GetInstallment(0).IsRepaid);
Assert.AreEqual(122, myContract.CalculatePastDueSinceLastRepayment(new DateTime(2006, 7, 1)));
}
public void TestCalculateOverDueAmountWithInterest()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1, UseCents = true},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 12, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.NonRepaymentPenalties.OLB = 0.0016;
Assert.AreEqual(30m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(70.46m,myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006,2,1),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(1000, _CheckInstalmentsTotalPrincipal(myContract).Value);
Assert.AreEqual(27.89m,myContract.GetInstallment(1).InterestsRepayment.Value);
Assert.AreEqual(72.57m,myContract.GetInstallment(1).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006,3,1),myContract.GetInstallment(1).ExpectedDate);
Assert.AreEqual(new DateTime(2006,4,3),myContract.GetInstallment(2).ExpectedDate);
Assert.AreEqual(new DateTime(2006,5,1),myContract.GetInstallment(3).ExpectedDate);
Assert.AreEqual(new DateTime(2006,6,1),myContract.GetInstallment(4).ExpectedDate);
Assert.AreEqual(new DateTime(2006,7,3),myContract.GetInstallment(5).ExpectedDate);
}
public void TestAddInstallmentAndGetInstallment()
{
Loan newContract = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())); new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Installment i = new Installment {PaidCapital = 100};
newContract.AddInstallment(i);
Assert.AreEqual(100m,newContract.GetInstallment(0).PaidCapital.Value);
}
public void Disburse_DisburseDateGreaterThanContractFirstInstallmentDate_NoAlignDates()
{
LoanProduct package = new LoanProduct{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 750, 0.03m,6,1,new DateTime(2006,1,1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,3,1),false,false);
Assert.IsNotNull(lDE);
Assert.AreEqual(new DateTime(2006,1,1),myContract.StartDate);
Assert.AreEqual(0m,myContract.GetInstallment(0).InterestsRepayment.Value);
}
public void TestRepayEventCorrectlyGenerateWhenTenDaysLateAndPayFees()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.NonRepaymentPenalties.OLB = 0.003;
Assert.AreEqual(new DateTime(2006, 2, 1), myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2006, 3, 1), myContract.GetInstallment(1).ExpectedDate);
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
RepaymentEvent rPE = myContract.Repay(2, new DateTime(2006, 3, 11), 230.41m, false, false);
Assert.AreEqual(30m, rPE.Fees.Value);
Assert.AreEqual(30m, rPE.Interests.Value);
Assert.AreEqual(170.41m, rPE.Principal.Value);
}
public void TestIfPastDueCorrectlyCalculatedWhenLimitDateYearIsLowerThanInstallmentDateOne()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = false;
package.NonRepaymentPenalties.OLB = 0.001;
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(1000m,myContract.GetInstallment(0).OLB.Value);
Assert.AreEqual(1000m,myContract.GetInstallment(1).OLB.Value);
Assert.AreEqual(800m,myContract.GetInstallment(2).OLB.Value);
Assert.AreEqual(600m,myContract.GetInstallment(3).OLB.Value);
}
public void TestDisburseWhenMontlyInstallmentTypeAndAlignDateWithRealDisbuseDate()
{
ApplicationSettings pDataParam = ApplicationSettings.GetInstance("");
pDataParam.DeleteAllParameters();
pDataParam.AddParameter("ALIGN_INSTALLMENTS_ON_REAL_DISBURSEMENT_DATE", true);
pDataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
pDataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
pDataParam.AddParameter(OGeneralSettings.PAYFIRSTINSTALLMENTREALVALUE, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.02m,6,1,new DateTime(2006,1,2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
EntryFee entryFee = new EntryFee();
entryFee.Value = 5;
entryFee.IsRate = true;
entryFee.Id = 21;
LoanEntryFee loanEntryFee = new LoanEntryFee();
loanEntryFee.FeeValue = 5;
loanEntryFee.ProductEntryFee = entryFee;
loanEntryFee.ProductEntryFeeId = 21;
myContract.LoanEntryFeesList = new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(loanEntryFee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,1,2),true,false);
Assert.AreEqual(new DateTime(2006, 1, 2), myContract.StartDate);
Assert.AreEqual(20m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(new DateTime(2006,2,2),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(1000m,lDE.Amount.Value);
Assert.AreEqual(50m, lDE.Commissions[0].Fee.Value);
}
public void TestDisburseWhenMonthlyInstallmentTypeAndNotAlignWithRealDisburseDate()
{
ApplicationSettings pDataParam = ApplicationSettings.GetInstance("");
pDataParam.DeleteAllParameters();
pDataParam.AddParameter("ALIGN_INSTALLMENTS_ON_REAL_DISBURSEMENT_DATE", false);
pDataParam.AddParameter("PAY_FIRST_INSTALLMENT_REAL_VALUE", true);
pDataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
pDataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Disburse(new DateTime(2006,1,6),false,true);
Assert.AreEqual(26m,myContract.GetInstallment(0).InterestsRepayment.Value);
}
public void TestDisburseWhenDisburseDateLowerThanContractStartDate()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.03m,6,1,new DateTime(2006,2,1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(new DateTime(2006,2,1),myContract.StartDate);
myContract.Disburse(new DateTime(2005,12,25),false,false);
Assert.AreEqual(new DateTime(2006,2,1),myContract.StartDate);
Assert.AreEqual(68m,myContract.GetInstallment(0).InterestsRepayment.Value);
}
public void Repay_DecliningLoan_KeepNotExpectedInstallment_EntirlyPaid_NoCancelFees()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = false,
Currency = new Currency { Id = 1, UseCents = true},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
NonRepaymentPenalties = { InitialAmount = 0.003 },
AnticipatedTotalRepaymentPenalties = 0.003
};
//VPM => 218,3546
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
RepaymentEvent repayEvent = myContract.Repay(2, new DateTime(2006, 3, 1), 1032.44m, false, false);
_AssertSpecifiedEvent(repayEvent, 2.44m, 30.00m, 1000.00m);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30.00m, 0, 1000, 0, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 188.35m, 1000, 188.35m, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 0, 811.65m, 811.65m, 811.65m, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 0, 0, 0, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 0, 0, 0, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 0, 0, 0, 0, 0);
}
public void Repay_DecliningLoan_KeepNotExpectedInstallment_SecondInstallmentNotEntirlyPaid()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = false,
Currency = new Currency { Id = 1, UseCents = true},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(1000, _CheckInstalmentsTotalPrincipal(myContract).Value);
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
myContract.Repay(2, new DateTime(2006, 3, 1), 100, true, false);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30, 0, 1000, 0, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30, 154.60m, 1000, 70, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 25.36m, 159.24m, 845.40m, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 20.58m, 164.02m, 686.16m, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 15.66m, 168.93m, 522.14m, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 10.60m, 173.99m, 353.21m, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 5.38m, 179.22m, 179.22m, 0, 0);
}
public void TestRepayFlateLoanWhenKeepExpectedInstallmentButSecondInstallmentNotEntirlyPaidTheSecondInstallment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = true;
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
myContract.Repay(2, new DateTime(2006, 3, 1), 200, true, false);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30, 0, 1000, 0, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30, 200, 1000, 170, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 30, 200, 800, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 30, 200, 600, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 30, 200, 400, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 30, 200, 200, 0, 0);
}
public void TestCalculateInstallmentWhenChangeDateSetToFalse()
{
ApplicationSettings pDataParam = ApplicationSettings.GetInstance("");
pDataParam.DeleteAllParameters();
pDataParam.AddParameter("ALIGN_INSTALLMENTS_ON_REAL_DISBURSEMENT_DATE", false);
pDataParam.AddParameter("PAY_FIRST_INSTALLMENT_REAL_VALUE", true);
pDataParam.AddParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
pDataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
pDataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.02m,6,1,new DateTime(2006,1,2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(new DateTime(2006,2,2),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2006,3,2),myContract.GetInstallment(1).ExpectedDate);
myContract.Disburse(new DateTime(2006,1,6),false,false);
Assert.AreEqual(new DateTime(2006,1,2),myContract.StartDate);
Assert.AreEqual(new DateTime(2006,2,2),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2006,3,2),myContract.GetInstallment(1).ExpectedDate);
myContract.Repay(1,new DateTime(2006,2,2),100,true,false);
Assert.AreEqual(new DateTime(2006,2,2),myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2006,3,2),myContract.GetInstallment(1).ExpectedDate);
}
public void TestRepayFlateLoanWhenKeepNotExpectedInstallmentAndOverPaid()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = false;
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
RepaymentEvent rE = myContract.Repay(2, new DateTime(2006, 3, 1), 430, true, false);
Assert.AreEqual(0, rE.Fees.Value);
Assert.AreEqual(30, rE.Interests.Value);
Assert.AreEqual(400, rE.Principal.Value);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 30, 0, 1000, 0, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 30, 200, 1000, 200, 30);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 18, 150, 600, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 18, 150, 450, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 18, 150, 300, 0, 0);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 18, 150, 150, 0, 0);
}
public void TestCalculateOverDueAmountWithoutInterest()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(30m, myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(0m, myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006, 2, 1), myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(30m, myContract.GetInstallment(1).InterestsRepayment.Value);
Assert.AreEqual(200m, myContract.GetInstallment(1).CapitalRepayment.Value);
Assert.AreEqual(new DateTime(2006, 3, 1), myContract.GetInstallment(1).ExpectedDate);
Assert.AreEqual(new DateTime(2006, 4, 3), myContract.GetInstallment(2).ExpectedDate);
Assert.AreEqual(0m, myContract.CalculateOverduePrincipal(new DateTime(2006, 1, 9)).Value);
Assert.AreEqual(400m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
Assert.AreEqual(400m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
Assert.AreEqual(400m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
myContract.Repay(2, new DateTime(2006, 3, 1), 230, true, false);
Assert.AreEqual(200m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
myContract.Repay(3, new DateTime(2006, 4, 3), 130, true, false);
Assert.AreEqual(100m, myContract.CalculateOverduePrincipal(new DateTime(2006, 4, 9)).Value);
}
public void TestRepayFlateLoanWhenKeepNotExpectedInstallmentButEntirlyPaidButNoCancelFees()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.INTEREST_RATE_DECIMAL_PLACES, 2);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {Id = 1, UseCents = true},
KeepExpectedInstallment = false
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(),
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
NonRepaymentPenalties = {InitialAmount = 0.003},
AnticipatedTotalRepaymentPenalties = 0.003
};
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
RepaymentEvent repayEvent = myContract.Repay(2, new DateTime(2006, 3, 1), 1032.4m, false, false);
Assert.AreEqual(2.4m, repayEvent.Fees.Value);
Assert.AreEqual(30, repayEvent.Interests.Value);
Assert.AreEqual(1000, repayEvent.Principal.Value);
Assert.AreEqual(30, myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(0, myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(1000, myContract.GetInstallment(0).OLB.Value);
Assert.AreEqual(0, myContract.GetInstallment(0).PaidCapital.Value);
Assert.AreEqual(30, myContract.GetInstallment(0).PaidInterests.Value);
Assert.AreEqual(30, myContract.GetInstallment(1).InterestsRepayment.Value);
Assert.AreEqual(200, myContract.GetInstallment(1).CapitalRepayment.Value);
Assert.AreEqual(1000, myContract.GetInstallment(1).OLB.Value);
Assert.AreEqual(200, myContract.GetInstallment(1).PaidCapital.Value);
Assert.AreEqual(30, myContract.GetInstallment(1).PaidInterests.Value);
Assert.AreEqual(0, myContract.GetInstallment(2).InterestsRepayment.Value);
Assert.AreEqual(800, myContract.GetInstallment(2).CapitalRepayment.Value);
Assert.AreEqual(800, myContract.GetInstallment(2).OLB.Value);
Assert.AreEqual(800, myContract.GetInstallment(2).PaidCapital.Value);
Assert.AreEqual(0, myContract.GetInstallment(2).PaidInterests.Value);
Assert.AreEqual(0, myContract.GetInstallment(3).InterestsRepayment.Value);
Assert.AreEqual(0, myContract.GetInstallment(3).CapitalRepayment.Value);
Assert.AreEqual(0, myContract.GetInstallment(3).OLB.Value);
Assert.AreEqual(0, myContract.GetInstallment(3).PaidCapital.Value);
Assert.AreEqual(0, myContract.GetInstallment(3).PaidInterests.Value);
Assert.AreEqual(0, myContract.GetInstallment(4).InterestsRepayment.Value);
Assert.AreEqual(0, myContract.GetInstallment(4).CapitalRepayment.Value);
Assert.AreEqual(0, myContract.GetInstallment(4).OLB.Value);
Assert.AreEqual(0, myContract.GetInstallment(4).PaidCapital.Value);
Assert.AreEqual(0, myContract.GetInstallment(4).PaidInterests.Value);
Assert.AreEqual(0, myContract.GetInstallment(5).InterestsRepayment.Value);
Assert.AreEqual(0, myContract.GetInstallment(5).CapitalRepayment.Value);
Assert.AreEqual(0, myContract.GetInstallment(5).OLB.Value);
Assert.AreEqual(0, myContract.GetInstallment(5).PaidCapital.Value);
Assert.AreEqual(0, myContract.GetInstallment(5).PaidInterests.Value);
}
public void TestCalculatePendingRepayment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = false,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 2, new DateTime(2006, 1, 1), new User(),
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
PaymentMethod paymentMethod = new PaymentMethod(2, "Voucher", "", true);
RepaymentEvent pEvent = myContract.Repay(1, new DateTime(2006, 6, 1), 30, true, 0, 0, false, 0, true, false, true,
paymentMethod);
Assert.IsTrue(myContract.GetInstallment(0).IsRepaid);
Assert.AreEqual(pEvent.Code, "PBLR");
Assert.IsTrue(myContract.GetInstallment(0).IsPending);
myContract.ConfirmPendingRepayment();
Assert.IsFalse(myContract.GetInstallment(0).IsPending);
}
public void TestRepayFlateLoanWhenKeepNotExpectedInstallmentButSecondInstallmentNotEntirlyPaidTheSecondInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
package.KeepExpectedInstallment = false;
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 2, 1), 30, true, false);
myContract.Repay(2, new DateTime(2006, 3, 1), 200, true, false);
Assert.AreEqual(30m, myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(0m, myContract.GetInstallment(0).CapitalRepayment.Value);
Assert.AreEqual(1000m, myContract.GetInstallment(0).OLB.Value);
Assert.AreEqual(0m, myContract.GetInstallment(0).PaidCapital.Value);
Assert.AreEqual(30m, myContract.GetInstallment(0).PaidInterests.Value);
Assert.AreEqual(30m, myContract.GetInstallment(1).InterestsRepayment.Value);
Assert.AreEqual(200m, myContract.GetInstallment(1).CapitalRepayment.Value);
Assert.AreEqual(1000m, myContract.GetInstallment(1).OLB.Value);
Assert.AreEqual(170m, myContract.GetInstallment(1).PaidCapital.Value);
Assert.AreEqual(30m, myContract.GetInstallment(1).PaidInterests.Value);
Assert.AreEqual(30m, myContract.GetInstallment(2).InterestsRepayment.Value);
Assert.AreEqual(200m, myContract.GetInstallment(2).CapitalRepayment.Value);
Assert.AreEqual(800m, myContract.GetInstallment(2).OLB.Value);
Assert.AreEqual(0m, myContract.GetInstallment(2).PaidCapital.Value);
Assert.AreEqual(0m, myContract.GetInstallment(2).PaidInterests.Value);
}
public void TestCountFeesWithSmallPrepayment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.STOP_WRITEOFF_PENALTY, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1, UseCents = true }
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2010, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.NonRepaymentPenalties.OverDuePrincipal = 0.01;
Assert.AreEqual(new DateTime(2010, 2, 1), myContract.GetInstallment(0).ExpectedDate);
Assert.AreEqual(new DateTime(2010, 3, 1), myContract.GetInstallment(1).ExpectedDate);
myContract.Repay(1, new DateTime(2010, 2, 1), 30, true, false);
myContract.Repay(2, new DateTime(2010, 2, 26), 30, true, false);
RepaymentEvent rPE = myContract.Repay(2, new DateTime(2010, 3, 4), 196.58m, false, false);
Assert.AreEqual(5.63m, rPE.Fees.Value);
Assert.AreEqual(3.2m, rPE.Interests.Value);
Assert.AreEqual(187.75m, rPE.Principal.Value);
Assert.AreEqual(myContract.GetInstallment(1).IsRepaid, true);
}
public void TestRepaySecondInstallmentDecliningRateNoOverPaid()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1, UseCents = true},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 2, 1), 184.60m, false, false);
myContract.Repay(2, new DateTime(2006, 3, 1), 184.60m, false, false);
Assert.AreEqual(159.24m, myContract.GetInstallment(1).PaidCapital.Value);
Assert.AreEqual(25.36m, myContract.GetInstallment(1).PaidInterests.Value);
Assert.IsTrue(myContract.GetInstallment(1).IsRepaid);
}
public void TestDisburseWhenDisableFeesTrue()
{
ApplicationSettings pDataParam = ApplicationSettings.GetInstance("");
pDataParam.DeleteAllParameters();
pDataParam.AddParameter("ALIGN_INSTALLMENTS_ON_REAL_DISBURSEMENT_DATE", false);
pDataParam.AddParameter("PAY_FIRST_INSTALLMENT_REAL_VALUE", true);
pDataParam.AddParameter(OGeneralSettings.DONOTSKIPWEEKENDSININSTALLMENTSDATE, false);
pDataParam.AddParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weelky", 14, 0),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
Loan myContract = new Loan(package,1000,0.02m,6,1,new DateTime(2006,1,2), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
EntryFee productFee = new EntryFee();
productFee.Value = 5;
productFee.IsRate = true;
LoanEntryFee entryFee = new LoanEntryFee();
entryFee.FeeValue = 5;
entryFee.ProductEntryFee = productFee;
myContract.LoanEntryFeesList = new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(entryFee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,1,6),false,true);
Assert.AreEqual(new DateTime(2006,1,2),myContract.StartDate);
Assert.AreEqual(14.29m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m,lDE.Amount.Value);
Assert.AreEqual(null, lDE.Commissions);
}
public void NonRepaidInstallments()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
Currency = new Currency {Id = 1}
};
Loan loan = new Loan(package, 1000, 0.02m, 5, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
loan.Repay(1, new DateTime(2006, 2, 1), 220, true, true);
Assert.AreEqual(loan.GetInstallment(0).IsRepaid, true);
int num = 2;
foreach (Installment i in loan.NonRepaidInstallments)
{
Assert.AreEqual(i.Number, num);
num++;
}
}
public void TestDisburseWhenDisburseDateGreaterThanContractStartDate()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.INCREMENTALDURINGDAYOFF, true);
//startdate = 1/1/2006
//expectedFirstInstallment = 1/2/2006
//real startdate = 6/1/2006
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1 }
};
EntryFee productEntryFee = new EntryFee();
productEntryFee.IsRate = true;
productEntryFee.Value = 5;//5% of an amount
productEntryFee.Id = 21;
productEntryFee.Name = "Test entry fee";
package.EntryFees = new List<EntryFee>();
package.EntryFees.Add(productEntryFee);
Loan myContract = new Loan(
package,
1000,
0.03m,
6,
1,
new DateTime(2006,1,1),
new User(),
ApplicationSettings.GetInstance(""),
NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()),
ChartOfAccounts.GetInstance(new User())
);
LoanEntryFee fee = new LoanEntryFee();
fee.ProductEntryFee = package.EntryFees[0];
fee.FeeValue = (decimal)fee.ProductEntryFee.Value;
fee.ProductEntryFeeId = (int) package.EntryFees[0].Id;
myContract.LoanEntryFeesList=new List<LoanEntryFee>();
myContract.LoanEntryFeesList.Add(fee);
LoanDisbursmentEvent lDE = myContract.Disburse(new DateTime(2006,1,6),false,false);
Assert.AreEqual(new DateTime(2006,1,1),myContract.StartDate);
Assert.AreEqual(25m,myContract.GetInstallment(0).InterestsRepayment.Value);
Assert.AreEqual(1000m,lDE.Amount.Value);
Assert.AreEqual(50m, lDE.Commissions[0].Fee.Value);
}
public void TestRepayThirdInstallmentDecliningRateWithOverPaid()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency { Id = 1, UseCents = true}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(1000, _CheckInstalmentsTotalPrincipal(myContract).Value);
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
myContract.AnticipatedPartialRepaymentPenalties = 0.01;
myContract.Repay(1, new DateTime(2006, 2, 1), 184.60m, true, false);
myContract.Repay(2, new DateTime(2006, 3, 1), 184.60m, true, false);
RepaymentEvent rPE = myContract.Repay(3, new DateTime(2006, 4, 3), 250m, false, false);
Assert.AreEqual(5.22m, rPE.Fees.Value);
Assert.AreEqual(20.58m, rPE.Interests.Value);
Assert.AreEqual(224.2m, rPE.Principal.Value);
Assert.AreEqual(164.02m, myContract.GetInstallment(2).PaidCapital.Value);
Assert.AreEqual(20.58m, myContract.GetInstallment(2).PaidInterests.Value);
Assert.IsTrue(myContract.GetInstallment(2).IsRepaid);
Assert.AreEqual(149.46m, myContract.GetInstallment(3).CapitalRepayment.Value);
Assert.AreEqual(13.86m, myContract.GetInstallment(3).InterestsRepayment.Value);
Assert.AreEqual(461.96m, myContract.GetInstallment(3).OLB.Value);
}
