} // GenerateAgreementModel
private void GetSetupFees(
Customer customer,
Loan loan,
out decimal manualSetupFeePct,
out decimal brokerSetupFeePct
) {
if (loan.LoanLegalId != null) {
var loanLegal = this.loanLegalRepo.GetAll().FirstOrDefault(ll => ll.Id == loan.LoanLegalId.Value);
if (loanLegal != null) {
manualSetupFeePct = loanLegal.ManualSetupFeePercent ?? 0;
brokerSetupFeePct = loanLegal.BrokerSetupFeePercent ?? 0;
return;
} // if
} // if
manualSetupFeePct = loan.CashRequest.ManualSetupFeePercent ?? 0;
brokerSetupFeePct = loan.CashRequest.BrokerSetupFeePercent ?? 0;
decimal approvedAmount =
(decimal)(loan.CashRequest.ManagerApprovedSum ?? loan.CashRequest.SystemCalculatedSum ?? 0);
if ((customer.Broker != null) && (approvedAmount != loan.LoanAmount)) {
this.log.Debug(
"GetSetupFees: broker customer '{0}', broker fee in cash request with approved amount {1} is {2}.",
customer.Stringify(),
approvedAmount.ToString("C2"),
brokerSetupFeePct.ToString("P2")
);
Loan firstLoan = customer.Loans.OrderBy(l => l.Date).FirstOrDefault();
brokerSetupFeePct = new CommissionCalculator(
loan.LoanAmount,
firstLoan == null ? (DateTime?)null : firstLoan.Date
)
.Calculate()
.BrokerCommission;
this.log.Debug(
"CreateNewLoan: broker customer '{0}', broker fee adjusted to loan amount {1} is {2}.",
customer.Stringify(),
loan.LoanAmount.ToString("C2"),
brokerSetupFeePct.ToString("P2")
);
} // if broker customer
} // GetSetupFees
} // CreateNewLoan
public BuiltLoan BuildLoan(CashRequest cr, decimal amount, DateTime now, int term, int interestOnlyTerm = 0) {
decimal setupFeePct = cr.ManualSetupFeePercent ?? 0;
decimal brokerFeePct = cr.BrokerSetupFeePercent ?? 0;
decimal approvedAmount = (decimal)(cr.ManagerApprovedSum ?? cr.SystemCalculatedSum ?? 0);
if ((cr.Customer.Broker != null) && (approvedAmount != amount)) {
log.Debug(
"CreateNewLoan: broker customer '{0}', broker fee in cash request with approved amount {1} is {2}.",
cr.Customer.Stringify(),
approvedAmount.ToString("C2"),
brokerFeePct.ToString("P2")
);
Loan firstLoan = cr.Customer.Loans.OrderBy(l => l.Date).FirstOrDefault();
brokerFeePct = new CommissionCalculator(amount, firstLoan == null ? (DateTime?)null : firstLoan.Date)
.Calculate()
.BrokerCommission;
log.Debug(
"CreateNewLoan: broker customer '{0}', broker fee adjusted to loan amount {1} is {2}.",
cr.Customer.Stringify(),
amount.ToString("C2"),
brokerFeePct.ToString("P2")
);
} // if broker customer
var fees = new SetupFeeCalculator(setupFeePct, brokerFeePct).Calculate(amount);
decimal setupFee = fees.Total;
decimal brokerFee = fees.Broker;
var calculator = new LoanScheduleCalculator { Interest = cr.InterestRate, Term = term };
LoanLegal loanLegal = cr.LoanLegals.LastOrDefault();
var loan = new Loan {
LoanAmount = amount,
Date = now,
LoanType = cr.LoanType,
CashRequest = cr,
SetupFee = setupFee,
LoanLegalId = loanLegal == null ? (int?)null : loanLegal.Id
};
calculator.Calculate(amount, loan, loan.Date, interestOnlyTerm, cr.SpreadSetupFee());
loan.LoanSource = cr.LoanSource;
if (brokerFee > 0 && cr.Customer.Broker != null) {
loan.BrokerCommissions.Add(new LoanBrokerCommission {
Broker = cr.Customer.Broker,
CardInfo = cr.Customer.Broker.BankAccounts.FirstOrDefault(
x => x.IsDefault.HasValue && x.IsDefault.Value
),
CommissionAmount = brokerFee,
CreateDate = now,
Loan = loan,
});
} // if broker fee & broker
return new BuiltLoan {
Loan = loan,
BrokerFeePercent = brokerFeePct,
ManualSetupFeePercent = setupFeePct,
};
} // BuildLoan