public LoanCharge(
final Loan loan,
final Charge chargeDefinition,
final BigDecimal loanPrincipal,
final BigDecimal amount,
final ChargeTimeType chargeTime,
final ChargeCalculationType chargeCalculation,
final LocalDate dueDate,
final ChargePaymentMode chargePaymentMode,
final Integer numberOfRepayments,
final BigDecimal loanCharge) {
this.loan = loan;
this.charge = chargeDefinition;
this.penaltyCharge = chargeDefinition.isPenalty();
this.minCap = chargeDefinition.getMinCap();
this.maxCap = chargeDefinition.getMaxCap();
this.chargeTime = chargeDefinition.getChargeTime();
if (chargeTime != null) {
this.chargeTime = chargeTime.getValue();
}
if (ChargeTimeType.fromInt(this.chargeTime).equals(ChargeTimeType.SPECIFIED_DUE_DATE)
|| ChargeTimeType.fromInt(this.chargeTime).equals(ChargeTimeType.OVERDUE_INSTALLMENT)) {
if (dueDate == null) {
final String defaultUserMessage = "Loan charge is missing due date.";
throw new LoanChargeWithoutMandatoryFieldException(
"loanCharge",
"dueDate",
defaultUserMessage,
chargeDefinition.getId(),
chargeDefinition.getName());
}
this.dueDate = dueDate.toDate();
} else {
this.dueDate = null;
}
this.chargeCalculation = chargeDefinition.getChargeCalculation();
if (chargeCalculation != null) {
this.chargeCalculation = chargeCalculation.getValue();
}
BigDecimal chargeAmount = chargeDefinition.getAmount();
if (amount != null) {
chargeAmount = amount;
}
this.chargePaymentMode = chargeDefinition.getChargePaymentMode();
if (chargePaymentMode != null) {
this.chargePaymentMode = chargePaymentMode.getValue();
}
populateDerivedFields(loanPrincipal, chargeAmount, numberOfRepayments, loanCharge);
this.paid = determineIfFullyPaid();
}
public Set<SavingsAccountCharge> fromSavingsProduct(final SavingsProduct savingsProduct) {
final Set<SavingsAccountCharge> savingsAccountCharges = new HashSet<SavingsAccountCharge>();
Set<Charge> productCharges = savingsProduct.charges();
for (Charge charge : productCharges) {
ChargeTimeType chargeTime = null;
if (charge.getChargeTime() != null) {
chargeTime = ChargeTimeType.fromInt(charge.getChargeTime());
}
if (chargeTime != null && chargeTime.isOnSpecifiedDueDate()) {
continue;
}
ChargeCalculationType chargeCalculation = null;
if (charge.getChargeCalculation() != null) {
chargeCalculation = ChargeCalculationType.fromInt(charge.getChargeCalculation());
}
final boolean status = true;
final SavingsAccountCharge savingsAccountCharge =
SavingsAccountCharge.createNewWithoutSavingsAccount(
charge,
charge.getAmount(),
chargeTime,
chargeCalculation,
null,
status,
charge.getFeeOnMonthDay(),
charge.feeInterval());
savingsAccountCharges.add(savingsAccountCharge);
}
return savingsAccountCharges;
}
public Set<SavingsAccountCharge> fromParsedJson(
final JsonElement element, final String productCurrencyCode) {
final Set<SavingsAccountCharge> savingsAccountCharges = new HashSet<SavingsAccountCharge>();
if (element.isJsonObject()) {
final JsonObject topLevelJsonElement = element.getAsJsonObject();
final String dateFormat =
this.fromApiJsonHelper.extractDateFormatParameter(topLevelJsonElement);
final String monthDayFormat =
this.fromApiJsonHelper.extractMonthDayFormatParameter(topLevelJsonElement);
final Locale locale = this.fromApiJsonHelper.extractLocaleParameter(topLevelJsonElement);
if (topLevelJsonElement.has(chargesParamName)
&& topLevelJsonElement.get(chargesParamName).isJsonArray()) {
final JsonArray array = topLevelJsonElement.get(chargesParamName).getAsJsonArray();
for (int i = 0; i < array.size(); i++) {
final JsonObject savingsChargeElement = array.get(i).getAsJsonObject();
final Long id =
this.fromApiJsonHelper.extractLongNamed(idParamName, savingsChargeElement);
final Long chargeId =
this.fromApiJsonHelper.extractLongNamed(chargeIdParamName, savingsChargeElement);
final BigDecimal amount =
this.fromApiJsonHelper.extractBigDecimalNamed(
amountParamName, savingsChargeElement, locale);
final Integer chargeTimeType =
this.fromApiJsonHelper.extractIntegerNamed(
chargeTimeTypeParamName, savingsChargeElement, locale);
final Integer chargeCalculationType =
this.fromApiJsonHelper.extractIntegerNamed(
chargeCalculationTypeParamName, savingsChargeElement, locale);
final LocalDate dueDate =
this.fromApiJsonHelper.extractLocalDateNamed(
dueAsOfDateParamName, savingsChargeElement, dateFormat, locale);
final MonthDay feeOnMonthDay =
this.fromApiJsonHelper.extractMonthDayNamed(
feeOnMonthDayParamName, savingsChargeElement, monthDayFormat, locale);
final Integer feeInterval =
this.fromApiJsonHelper.extractIntegerNamed(
feeIntervalParamName, savingsChargeElement, locale);
if (id == null) {
final Charge chargeDefinition =
this.chargeRepository.findOneWithNotFoundDetection(chargeId);
if (!chargeDefinition.isSavingsCharge()) {
final String errorMessage =
"Charge with identifier "
+ chargeDefinition.getId()
+ " cannot be applied to Savings product.";
throw new ChargeCannotBeAppliedToException(
"savings.product", errorMessage, chargeDefinition.getId());
}
ChargeTimeType chargeTime = null;
if (chargeTimeType != null) {
chargeTime = ChargeTimeType.fromInt(chargeTimeType);
}
ChargeCalculationType chargeCalculation = null;
if (chargeCalculationType != null) {
chargeCalculation = ChargeCalculationType.fromInt(chargeCalculationType);
}
final boolean status = true;
final SavingsAccountCharge savingsAccountCharge =
SavingsAccountCharge.createNewWithoutSavingsAccount(
chargeDefinition,
amount,
chargeTime,
chargeCalculation,
dueDate,
status,
feeOnMonthDay,
feeInterval);
savingsAccountCharges.add(savingsAccountCharge);
} else {
final Long savingsAccountChargeId = id;
final SavingsAccountCharge savingsAccountCharge =
this.savingsAccountChargeRepository.findOne(savingsAccountChargeId);
if (savingsAccountCharge == null) {
throw new SavingsAccountChargeNotFoundException(savingsAccountChargeId);
}
savingsAccountCharge.update(amount, dueDate, feeOnMonthDay, feeInterval);
savingsAccountCharges.add(savingsAccountCharge);
}
}
}
}
this.validateSavingsCharges(savingsAccountCharges, productCurrencyCode);
return savingsAccountCharges;
}
public boolean isOverdueInstallmentCharge() {
return ChargeTimeType.fromInt(this.chargeTime).equals(ChargeTimeType.OVERDUE_INSTALLMENT);
}
public boolean isInstalmentFee() {
return ChargeTimeType.fromInt(this.chargeTime).equals(ChargeTimeType.INSTALMENT_FEE);
}
public boolean isSpecifiedDueDate() {
return ChargeTimeType.fromInt(this.chargeTime).equals(ChargeTimeType.SPECIFIED_DUE_DATE);
}
public boolean isDueAtDisbursement() {
return ChargeTimeType.fromInt(this.chargeTime).equals(ChargeTimeType.DISBURSEMENT);
}
public static LoanCharge createNewFromJson(
final Loan loan,
final Charge chargeDefinition,
final JsonCommand command,
final LocalDate dueDate) {
final BigDecimal amount = command.bigDecimalValueOfParameterNamed("amount");
final ChargeTimeType chargeTime = null;
final ChargeCalculationType chargeCalculation = null;
final ChargePaymentMode chargePaymentMode = null;
BigDecimal amountPercentageAppliedTo = BigDecimal.ZERO;
switch (ChargeCalculationType.fromInt(chargeDefinition.getChargeCalculation())) {
case PERCENT_OF_AMOUNT:
if (command.hasParameter("principal")) {
amountPercentageAppliedTo = command.bigDecimalValueOfParameterNamed("principal");
} else {
amountPercentageAppliedTo = loan.getPrincpal().getAmount();
}
break;
case PERCENT_OF_AMOUNT_AND_INTEREST:
if (command.hasParameter("principal") && command.hasParameter("interest")) {
amountPercentageAppliedTo =
command
.bigDecimalValueOfParameterNamed("principal")
.add(command.bigDecimalValueOfParameterNamed("interest"));
} else {
amountPercentageAppliedTo = loan.getPrincpal().getAmount().add(loan.getTotalInterest());
}
break;
case PERCENT_OF_INTEREST:
if (command.hasParameter("interest")) {
amountPercentageAppliedTo = command.bigDecimalValueOfParameterNamed("interest");
} else {
amountPercentageAppliedTo = loan.getTotalInterest();
}
break;
default:
break;
}
BigDecimal loanCharge = BigDecimal.ZERO;
if (ChargeTimeType.fromInt(chargeDefinition.getChargeTime())
.equals(ChargeTimeType.INSTALMENT_FEE)) {
BigDecimal percentage = amount;
if (percentage == null) {
percentage = chargeDefinition.getAmount();
}
loanCharge =
loan.calculatePerInstallmentChargeAmount(
ChargeCalculationType.fromInt(chargeDefinition.getChargeCalculation()), percentage);
}
return new LoanCharge(
loan,
chargeDefinition,
amountPercentageAppliedTo,
amount,
chargeTime,
chargeCalculation,
dueDate,
chargePaymentMode,
null,
loanCharge);
}
