private void validateDisbursementDateWithMeetingDates(
final LocalDate expectedDisbursementDate, final Calendar calendar) {
// disbursement date should fall on a meeting date
if (!CalendarHelper.isValidRedurringDate(
calendar.getRecurrence(), calendar.getStartDateLocalDate(), expectedDisbursementDate)) {
final String errorMessage =
"Expected disbursement date '"
+ expectedDisbursementDate
+ "' do not fall on a meeting date";
throw new LoanApplicationDateException(
"disbursement.date.do.not.match.meeting.date", errorMessage, expectedDisbursementDate);
}
}
private void validateRepaymentsStartDateWithMeetingDates(
final LocalDate repaymentsStartingFromDate, final Calendar calendar) {
if (repaymentsStartingFromDate != null
&& !CalendarHelper.isValidRedurringDate(
calendar.getRecurrence(),
calendar.getStartDateLocalDate(),
repaymentsStartingFromDate)) {
final String errorMessage =
"First repayment date '" + repaymentsStartingFromDate + "' do not fall on a meeting date";
throw new LoanApplicationDateException(
"first.repayment.date.do.not.match.meeting.date",
errorMessage,
repaymentsStartingFromDate);
}
}
private LoanApplicationTerms assembleLoanApplicationTermsFrom(
final JsonElement element, final LoanProduct loanProduct) {
final MonetaryCurrency currency = loanProduct.getCurrency();
final ApplicationCurrency applicationCurrency =
this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
// loan terms
final Integer loanTermFrequency =
fromApiJsonHelper.extractIntegerWithLocaleNamed("loanTermFrequency", element);
final Integer loanTermFrequencyType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("loanTermFrequencyType", element);
final PeriodFrequencyType loanTermPeriodFrequencyType =
PeriodFrequencyType.fromInt(loanTermFrequencyType);
final Integer numberOfRepayments =
fromApiJsonHelper.extractIntegerWithLocaleNamed("numberOfRepayments", element);
final Integer repaymentEvery =
fromApiJsonHelper.extractIntegerWithLocaleNamed("repaymentEvery", element);
final Integer repaymentFrequencyType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("repaymentFrequencyType", element);
final PeriodFrequencyType repaymentPeriodFrequencyType =
PeriodFrequencyType.fromInt(repaymentFrequencyType);
final Integer amortizationType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("amortizationType", element);
final AmortizationMethod amortizationMethod = AmortizationMethod.fromInt(amortizationType);
// interest terms
final Integer interestType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("interestType", element);
final InterestMethod interestMethod = InterestMethod.fromInt(interestType);
final Integer interestCalculationPeriodType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("interestCalculationPeriodType", element);
final InterestCalculationPeriodMethod interestCalculationPeriodMethod =
InterestCalculationPeriodMethod.fromInt(interestCalculationPeriodType);
final BigDecimal interestRatePerPeriod =
fromApiJsonHelper.extractBigDecimalWithLocaleNamed("interestRatePerPeriod", element);
final PeriodFrequencyType interestRatePeriodFrequencyType =
loanProduct.getInterestPeriodFrequencyType();
final BigDecimal annualNominalInterestRate =
this.aprCalculator.calculateFrom(interestRatePeriodFrequencyType, interestRatePerPeriod);
// disbursement details
final BigDecimal principal =
this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed("principal", element);
final Money principalMoney = Money.of(currency, principal);
final LocalDate expectedDisbursementDate =
this.fromApiJsonHelper.extractLocalDateNamed("expectedDisbursementDate", element);
final LocalDate repaymentsStartingFromDate =
this.fromApiJsonHelper.extractLocalDateNamed("repaymentsStartingFromDate", element);
LocalDate calculatedRepaymentsStartingFromDate = repaymentsStartingFromDate;
final Boolean synchDisbursement =
fromApiJsonHelper.extractBooleanNamed("syncDisbursementWithMeeting", element);
final Long calendarId = this.fromApiJsonHelper.extractLongNamed("calendarId", element);
Calendar calendar = null;
if ((synchDisbursement != null && synchDisbursement.booleanValue())
|| (calendarId != null && calendarId != 0)) {
calendar = this.calendarRepository.findOne(calendarId);
if (calendar == null) {
throw new CalendarNotFoundException(calendarId);
}
// validate repayment frequency and interval with meeting frequency and interval
PeriodFrequencyType meetingPeriodFrequency =
CalendarHelper.getMeetingPeriodFrequencyType(calendar.getRecurrence());
validateRepaymentFrequencyIsSameAsMeetingFrequency(
meetingPeriodFrequency.getValue(),
repaymentFrequencyType,
CalendarHelper.getInterval(calendar.getRecurrence()),
repaymentEvery);
}
if (synchDisbursement != null && synchDisbursement.booleanValue()) {
validateDisbursementDateWithMeetingDates(expectedDisbursementDate, calendar);
}
// if calendar is attached (not null) then reschedule repayment dates according to meeting
if (null != calendar) {
// TODO : AA - Is it require to reset repaymentsStartingFromDate or
// set only if it is not provided (or null)
// Currently provided repaymentsStartingFromDate takes precedence over system generated next
// meeting date
if (calculatedRepaymentsStartingFromDate == null) {
// FIXME: AA - Possibility of having next meeting date immediately after disbursement date,
// need to have minimum number of days gap between disbursement and first repayment date.
final String frequency =
CalendarHelper.getMeetingFrequencyFromPeriodFrequencyType(repaymentPeriodFrequencyType);
calculatedRepaymentsStartingFromDate =
CalendarHelper.getFirstRepaymentMeetingDate(
calendar, expectedDisbursementDate, repaymentEvery, frequency);
} else { // validate user provided repaymentsStartFromDate
validateRepaymentsStartDateWithMeetingDates(repaymentsStartingFromDate, calendar);
}
}
// grace details
final Integer graceOnPrincipalPayment =
this.fromApiJsonHelper.extractIntegerWithLocaleNamed("graceOnPrincipalPayment", element);
final Integer graceOnInterestPayment =
this.fromApiJsonHelper.extractIntegerWithLocaleNamed("graceOnInterestPayment", element);
final Integer graceOnInterestCharged =
this.fromApiJsonHelper.extractIntegerWithLocaleNamed("graceOnInterestCharged", element);
final LocalDate interestChargedFromDate =
fromApiJsonHelper.extractLocalDateNamed("interestChargedFromDate", element);
// other
final BigDecimal inArrearsTolerance =
this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed("inArrearsTolerance", element);
final Money inArrearsToleranceMoney = Money.of(currency, inArrearsTolerance);
return LoanApplicationTerms.assembleFrom(
applicationCurrency,
loanTermFrequency,
loanTermPeriodFrequencyType,
numberOfRepayments,
repaymentEvery,
repaymentPeriodFrequencyType,
amortizationMethod,
interestMethod,
interestRatePerPeriod,
interestRatePeriodFrequencyType,
annualNominalInterestRate,
interestCalculationPeriodMethod,
principalMoney,
expectedDisbursementDate,
repaymentsStartingFromDate,
calculatedRepaymentsStartingFromDate,
graceOnPrincipalPayment,
graceOnInterestPayment,
graceOnInterestCharged,
interestChargedFromDate,
inArrearsToleranceMoney);
}