public LoanScheduleModel assembleLoanScheduleFrom(
final LoanApplicationTerms loanApplicationTerms,
final boolean isHolidayEnabled,
final List<Holiday> holidays,
final WorkingDays workingDays,
final JsonElement element) {
final Set<LoanCharge> loanCharges = this.loanChargeAssembler.fromParsedJson(element);
final LoanScheduleGenerator loanScheduleGenerator =
this.loanScheduleFactory.create(loanApplicationTerms.getInterestMethod());
final RoundingMode roundingMode = RoundingMode.HALF_EVEN;
final MathContext mc = new MathContext(8, roundingMode);
final MonetaryCurrency currency = loanApplicationTerms.getCurrency();
final ApplicationCurrency applicationCurrency =
this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
return loanScheduleGenerator.generate(
mc,
applicationCurrency,
loanApplicationTerms,
loanCharges,
isHolidayEnabled,
holidays,
workingDays);
}
public LoanScheduleModel assembleLoanScheduleFrom(final JsonElement element) {
// This method is getting called from calculate loan schedule.
final LoanApplicationTerms loanApplicationTerms = assembleLoanTerms(element);
// Get holiday details
final boolean isHolidayEnabled =
this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
final Long clientId = fromApiJsonHelper.extractLongNamed("clientId", element);
final Long groupId = fromApiJsonHelper.extractLongNamed("groupId", element);
Client client = null;
Group group = null;
Long officeId = null;
if (clientId != null) {
client = this.clientRepository.findOneWithNotFoundDetection(clientId);
officeId = client.getOffice().getId();
} else if (groupId != null) {
group = this.groupRepository.findOneWithNotFoundDetection(groupId);
officeId = group.getOffice().getId();
}
final LocalDate expectedDisbursementDate =
this.fromApiJsonHelper.extractLocalDateNamed("expectedDisbursementDate", element);
final List<Holiday> holidays =
this.holidayRepository.findByOfficeIdAndGreaterThanDate(
officeId, expectedDisbursementDate.toDate());
final WorkingDays workingDays = this.workingDaysRepository.findOne();
validateDisbursementDateIsOnNonWorkingDay(
loanApplicationTerms.getExpectedDisbursementDate(), workingDays);
validateDisbursementDateIsOnHoliday(
loanApplicationTerms.getExpectedDisbursementDate(), isHolidayEnabled, holidays);
return assembleLoanScheduleFrom(
loanApplicationTerms, isHolidayEnabled, holidays, workingDays, element);
}
public LoanProductRelatedDetail assembleLoanProductRelatedDetail(final JsonElement element) {
LoanApplicationTerms loanApplicationTerms = assembleLoanTerms(element);
return loanApplicationTerms.toLoanProductRelatedDetail();
}
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);
}