private static OCurrency CalculateNonRepaymentPenalties(Loan pContract, DateTime pDate, int installmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(installmentNumber - 1);
DateTime date = installment.ExpectedDate;
// Calulating of fee in case of previous installment's fee is written off
if (installment.PaidCapital + installment.PaidInterests > 0 && installment.PaidFees == 0 && installment.FeesUnpaid > 0)
{
if (pDate < installment.ExpectedDate)
date = pDate;
else
{
var last = pContract.InstallmentList.FindLast(i => i.PaidDate != null);
if (last != null && last.PaidDate != null) date = last.PaidDate.Value;
}
}
//
foreach (RepaymentEvent rPayment in pContract.Events.GetRepaymentEvents())
{
if (rPayment.Date == pDate && rPayment.Deleted == false && installmentNumber == rPayment.InstallmentNumber)
{
date = pDate;
}
if (rPayment.InstallmentNumber <= installment.Number && rPayment.Deleted == false && rPayment.Date != pDate && pDate > installment.ExpectedDate && installment.PaidFees != 0)
{
date = rPayment.Date <= installment.ExpectedDate ? installment.ExpectedDate : rPayment.Date;
}
}
int nbOfDays = (pDate - date).Days < 0 ? 0 : (pDate - date).Days;
nbOfDays = nbOfDays - CountDaysOff(date, pDate, pGeneralSettings, pNonWorkingDate);
nbOfDays = _CalculatePastDueWithGeneralParameterForRepayment(nbOfDays, pGeneralSettings);
if (pContract.GracePeriodOfLateFees >= nbOfDays)
{
nbOfDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB - installment.PaidCapital;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
decimal amount = amountHasToPay.Value * Convert.ToDecimal(penalties) * nbOfDays;
amount = pContract.UseCents ? Math.Round(amount, 2, MidpointRounding.AwayFromZero) : Math.Round(amount, 0, MidpointRounding.AwayFromZero);
if (pContract.WrittenOff && pGeneralSettings.IsStopWriteOffPenalty)
amount = 0;
return amount;
}
private static OCurrency _CalculateNonRepaymentPenaltiesForClosure(Loan pContract, DateTime pDate, int pInstallmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(pInstallmentNumber - 1);
if (pDate <= installment.ExpectedDate) return 0;
DateTime baseDate = DateTime.MinValue;
DateTime dateForInstallment = installment.PaidDate.HasValue ? installment.PaidDate.Value : installment.ExpectedDate;
if (baseDate == DateTime.MinValue)
{
baseDate = dateForInstallment;
}
else
{
if (baseDate < dateForInstallment)
baseDate = dateForInstallment;
}
int pstDueDays = (pDate - baseDate).Days < 0 ? 0 : (pDate - baseDate).Days;
pstDueDays = pstDueDays - CountDaysOff(baseDate, pDate, pGeneralSettings, pNonWorkingDate);
if(pContract.GracePeriodOfLateFees >= pstDueDays)
{
pstDueDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
return amountHasToPay * penalties * pstDueDays;
}
private static OCurrency CalculateNonRepaymentPenalties(Loan pContract, DateTime pDate, int installmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(installmentNumber - 1);
DateTime date = installment.ExpectedDate;
// Calulating of fee in case of previous installment's fee is written off
if (installment.PaidCapital + installment.PaidInterests > 0 && installment.PaidFees == 0 && installment.FeesUnpaid > 0)
{
if (pDate < installment.ExpectedDate)
{
date = pDate;
}
else
{
var last = pContract.InstallmentList.FindLast(i => i.PaidDate != null);
if (last != null && last.PaidDate != null)
{
date = last.PaidDate.Value;
}
}
}
//
foreach (RepaymentEvent rPayment in pContract.Events.GetRepaymentEvents())
{
if (rPayment.Date == pDate && rPayment.Deleted == false && installmentNumber == rPayment.InstallmentNumber)
{
date = pDate;
}
if (rPayment.InstallmentNumber <= installment.Number && rPayment.Deleted == false && rPayment.Date != pDate && pDate > installment.ExpectedDate && installment.PaidFees != 0)
{
date = rPayment.Date <= installment.ExpectedDate ? installment.ExpectedDate : rPayment.Date;
}
}
int nbOfDays = (pDate - date).Days < 0 ? 0 : (pDate - date).Days;
nbOfDays = nbOfDays - CountDaysOff(date, pDate, pGeneralSettings, pNonWorkingDate);
nbOfDays = _CalculatePastDueWithGeneralParameterForRepayment(nbOfDays, pGeneralSettings);
if (pContract.GracePeriodOfLateFees >= nbOfDays)
{
nbOfDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB - installment.PaidCapital;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
decimal amount = amountHasToPay.Value * Convert.ToDecimal(penalties) * nbOfDays;
amount = pContract.UseCents ? Math.Round(amount, 2, MidpointRounding.AwayFromZero) : Math.Round(amount, 0, MidpointRounding.AwayFromZero);
if (pContract.WrittenOff && pGeneralSettings.IsStopWriteOffPenalty)
{
amount = 0;
}
return(amount);
}
private static OCurrency _CalculateNonRepaymentPenalties(Loan pContract, DateTime pDate, int installmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(installmentNumber - 1);
DateTime date = installment.ExpectedDate;
foreach (RepaymentEvent rPayment in pContract.Events.GetRepaymentEvents())
{
if (rPayment.Date == pDate && rPayment.Deleted == false && installmentNumber == rPayment.InstallmentNumber)
{
date = pDate;
}
if (rPayment.InstallmentNumber <= installment.Number && rPayment.Deleted == false && rPayment.Date != pDate && pDate > installment.ExpectedDate && installment.PaidFees != 0)
{
date = rPayment.Date <= installment.ExpectedDate ? installment.ExpectedDate : rPayment.Date;
}
}
int nbOfDays = (pDate - date).Days < 0 ? 0 : (pDate - date).Days;
nbOfDays = nbOfDays - CountDaysOff(date, pDate, pGeneralSettings, pNonWorkingDate);
nbOfDays = _CalculatePastDueWithGeneralParameterForRepayment(nbOfDays, pGeneralSettings);
if (pContract.GracePeriodOfLateFees >= nbOfDays)
{
nbOfDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
return amountHasToPay * penalties * nbOfDays;
}
private static OCurrency _CalculateNonRepaymentPenaltiesForClosure(Loan pContract, DateTime pDate, int pInstallmentNumber,
OLateRepaymentTypes repaymentType, ApplicationSettings pGeneralSettings, NonWorkingDateSingleton pNonWorkingDate)
{
Installment installment = pContract.GetInstallment(pInstallmentNumber - 1);
if (pDate <= installment.ExpectedDate)
{
return(0);
}
DateTime baseDate = DateTime.MinValue;
DateTime dateForInstallment = installment.PaidDate.HasValue ? installment.PaidDate.Value : installment.ExpectedDate;
if (baseDate == DateTime.MinValue)
{
baseDate = dateForInstallment;
}
else
{
if (baseDate < dateForInstallment)
{
baseDate = dateForInstallment;
}
}
int pstDueDays = (pDate - baseDate).Days < 0 ? 0 : (pDate - baseDate).Days;
pstDueDays = pstDueDays - CountDaysOff(baseDate, pDate, pGeneralSettings, pNonWorkingDate);
if (pContract.GracePeriodOfLateFees >= pstDueDays)
{
pstDueDays = 0;
}
double penalties;
OCurrency amountHasToPay;
if (repaymentType == OLateRepaymentTypes.Principal)
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
else if (repaymentType == OLateRepaymentTypes.Interest)
{
amountHasToPay = installment.InterestHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDueInterest;
}
else if (repaymentType == OLateRepaymentTypes.Olb)
{
amountHasToPay = installment.OLB;
penalties = pContract.NonRepaymentPenalties.OLB;
}
else if (repaymentType == OLateRepaymentTypes.Amount)
{
amountHasToPay = installment.Amount;
penalties = pContract.NonRepaymentPenalties.InitialAmount;
}
else // Fixed method of late repayments for future implementation; Principal is set for now
{
amountHasToPay = installment.PrincipalHasToPay;
penalties = pContract.NonRepaymentPenalties.OverDuePrincipal;
}
return(amountHasToPay * penalties * pstDueDays);
}
