public Loan SimulateRescheduling(Loan loan, ScheduleConfiguration rescheduleConfiguration)
{
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 rescheduleAssembler = new RescheduleAssembler();
var copyOfRescheduleConfiguration = (IScheduleConfiguration) rescheduleConfiguration.Clone();
copyOfRescheduleConfiguration.InterestRate *=
(decimal) scheduleConfiguration.PeriodPolicy.GetNumberOfPeriodsInYear(
copyOfRescheduleConfiguration.StartDate,
scheduleConfiguration.YearPolicy);
schedule = rescheduleAssembler.AssembleRescheduling(
schedule,
scheduleConfiguration,
copyOfRescheduleConfiguration,
scheduleBuilder,
loan.CalculateActualOlb().Value);
var newSchedule = Mapper.Map<IEnumerable<IInstallment>, List<Installment>>(schedule);
copyOfLoan.InstallmentList = newSchedule;
copyOfLoan.NbOfInstallments = newSchedule.Count();
return copyOfLoan;
}
private List<Installment> AssembleRescheduling(Loan loan, ScheduleConfiguration rescheduleConfiguration, IScheduleConfiguration scheduleConfiguration)
{
var copyOfLoan = loan.Copy();;
var schedule = copyOfLoan.InstallmentList;
// Build a new combined schedule
// 1. To close all active installments before date of rescheduling.
// Get the part of the schedule that comes before the rescheduling date...
var newSchedule =
from installment in schedule
where installment.ExpectedDate <= rescheduleConfiguration.StartDate
select installment;
// Get overpaid principal = sum of paid principal after the rescheduling date...
var overpaidPrincipal = (
from installment in schedule
where installment.PaidDate > rescheduleConfiguration.StartDate
select installment
).Sum(installment => installment.PaidCapital.Value);
//Add overpaid principal to paid principal of the last installment before the rescheduling
if (newSchedule.Any())
newSchedule.Last().PaidCapital += overpaidPrincipal;
// Close all active installments before date of rescheduling
var olbDifference = 0m;
foreach (var installment in newSchedule)
{
installment.OLB += olbDifference;
olbDifference += installment.CapitalRepayment.Value - installment.PaidCapital.Value;
installment.CapitalRepayment = installment.PaidCapital;
installment.InterestsRepayment = installment.PaidInterests;
}
// 2. To store amounts of interest paid, those for installments after date of rescheduling.
var overpaidInterest = (
from installment in schedule
where installment.ExpectedDate > rescheduleConfiguration.StartDate
select installment
).Sum(installment => installment.PaidInterests.Value);
// 3. To get total of first calculated interest. It will be interest between last closed installment and date of rescheduling
// plus interest between date of rescheduling and first repayment date
// To calculate extra interest for used days.
// For the case when date of rescheduling < date of first installment
var currentOlb = loan.CalculateActualOlb().Value;
var usedDays = 0;
if (newSchedule.Any())
{
usedDays = (rescheduleConfiguration.StartDate - newSchedule.Last().ExpectedDate).Days;
}
var daysInYear = scheduleConfiguration.YearPolicy.GetNumberOfDays(rescheduleConfiguration.StartDate);
var extraInterest = currentOlb * scheduleConfiguration.InterestRate / 100 * usedDays / daysInYear;
// To calculate interest between date of rescheduling and first repayment date.
var daysTillRepayment =
(rescheduleConfiguration.PreferredFirstInstallmentDate - rescheduleConfiguration.StartDate).Days;
decimal firstInterest = 0;
if (rescheduleConfiguration.GracePeriod == 0 || rescheduleConfiguration.ChargeInterestDuringGracePeriod)
firstInterest = currentOlb*rescheduleConfiguration.InterestRate/100*daysTillRepayment/
scheduleConfiguration.PeriodPolicy.GetNumberOfDays(
rescheduleConfiguration.PreferredFirstInstallmentDate);
copyOfLoan.Amount = currentOlb;
copyOfLoan.InterestRate = rescheduleConfiguration.InterestRate/100;
copyOfLoan.NbOfInstallments = rescheduleConfiguration.NumberOfInstallments;
copyOfLoan.GracePeriod = rescheduleConfiguration.GracePeriod;
copyOfLoan.StartDate = rescheduleConfiguration.StartDate;
copyOfLoan.FirstInstallmentDate = rescheduleConfiguration.PreferredFirstInstallmentDate;
copyOfLoan.Product.ChargeInterestWithinGracePeriod = rescheduleConfiguration.ChargeInterestDuringGracePeriod;
rescheduleConfiguration.RoundingPolicy = scheduleConfiguration.RoundingPolicy;
var rescheduled = SimulateScheduleCreation(copyOfLoan);
// Adjust the new schedule's installment numbers
var increment = newSchedule.Count();
foreach (var installment in rescheduled)
{
installment.Number += increment;
}
// Distribute the extra and overpaid interest
if (rescheduleConfiguration.GracePeriod > 0 && !rescheduleConfiguration.ChargeInterestDuringGracePeriod)
rescheduled[rescheduleConfiguration.GracePeriod].InterestsRepayment +=
rescheduleConfiguration.RoundingPolicy.Round(extraInterest);
else
rescheduled.First().InterestsRepayment =
rescheduleConfiguration.RoundingPolicy.Round(firstInterest + extraInterest);
foreach (var installment in rescheduled)
{
if (installment.InterestsRepayment < overpaidInterest)
{
installment.PaidInterests = installment.InterestsRepayment;
overpaidInterest -= installment.InterestsRepayment.Value;
}
else
{
installment.PaidInterests = overpaidInterest;
break;
}
}
var result = new List<Installment>();
result.AddRange(newSchedule);
result.AddRange(rescheduled);
return result;
}
public Loan Reschedule(Loan loan, IClient client, ScheduleConfiguration rescheduleConfiguration)
{
using (var connection = _loanManager.GetConnection())
using (var transaction = connection.BeginTransaction())
{
try
{
var copyOfLoan = SimulateRescheduling(loan, rescheduleConfiguration);
var rescheduleLoanEvent = new RescheduleLoanEvent
{
Amount = copyOfLoan.CalculateActualOlb(),
Date = rescheduleConfiguration.StartDate,
ClientType = client.Type,
Interest = rescheduleConfiguration.InterestRate,
BadLoan = loan.BadLoan,
NbOfMaturity = rescheduleConfiguration.NumberOfInstallments,
GracePeriod = rescheduleConfiguration.GracePeriod,
ChargeInterestDuringGracePeriod = rescheduleConfiguration.ChargeInterestDuringGracePeriod,
InstallmentNumber =
copyOfLoan.GetLastFullyRepaidInstallment() == null
? 1
: copyOfLoan.GetLastFullyRepaidInstallment().Number + 1,
PreferredFirstInstallmentDate = rescheduleConfiguration.PreferredFirstInstallmentDate,
User = _user,
PreviousInterestRate = rescheduleConfiguration.PreviousInterestRate,
};
//insert into table TrancheEvent
_ePs.FireEvent(rescheduleLoanEvent, copyOfLoan, transaction);
ArchiveInstallments(loan, rescheduleLoanEvent, 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);
copyOfLoan.Events.Add(rescheduleLoanEvent);
transaction.Commit();
SetClientStatus(copyOfLoan, client);
return copyOfLoan;
}
catch
{
transaction.Rollback();
throw;
}
}
}
public Loan SimulateRescheduling(Loan loan, ScheduleConfiguration rescheduleConfiguration)
{
var copyOfLoan = loan.Copy();
var scheduleConfiguration = _configurationFactory
.Init()
.WithLoan(copyOfLoan)
.Finish()
.GetConfiguration();
var schedule = copyOfLoan.InstallmentList;
var scheduleBuilder = new ScheduleBuilder();
var rescheduleAssembler = new RescheduleAssembler();
var copyOfRescheduleConfiguration = (IScheduleConfiguration)rescheduleConfiguration.Clone();
if (loan.Product.ScriptName == null)
schedule = rescheduleAssembler.AssembleRescheduling(
schedule,
scheduleConfiguration,
copyOfRescheduleConfiguration,
scheduleBuilder,
loan.CalculateActualOlb().Value).ToList();
else
schedule = AssembleRescheduling(loan, rescheduleConfiguration, scheduleConfiguration);
copyOfLoan.InstallmentList = schedule;
copyOfLoan.NbOfInstallments = schedule.Count();
return copyOfLoan;
}
