/**
* This Source Code Form is subject to the terms of the Mozilla Public
* License, v. 2.0. If a copy of the MPL was not distributed with this file,
* You can obtain one at http://mozilla.org/MPL/2.0/.
*/
package org.mifosplatform.portfolio.loanaccount.domain;
import java.math.BigDecimal;
import java.util.List;
import java.util.Set;
import org.joda.time.LocalDate;
import org.mifosplatform.organisation.monetary.domain.MonetaryCurrency;
import org.mifosplatform.organisation.monetary.domain.Money;
/**
* A wrapper around loan schedule related data exposing needed behaviour by
* loan.
*/
public class LoanRepaymentScheduleProcessingWrapper {
public void reprocess(final MonetaryCurrency currency, final LocalDate disbursementDate,
final List<LoanRepaymentScheduleInstallment> repaymentPeriods, final Set<LoanCharge> loanCharges,
final LocalDate lastTransactionDate) {
Money totalInterest = Money.zero(currency);
Money totalPrincipal = Money.zero(currency);
for (final LoanRepaymentScheduleInstallment installment : repaymentPeriods) {
totalInterest = totalInterest.plus(installment.getInterestCharged(currency));
totalPrincipal = totalPrincipal.plus(installment.getPrincipal(currency));
}
LocalDate startDate = disbursementDate;
for (final LoanRepaymentScheduleInstallment period : repaymentPeriods) {
final Money feeChargesDueForRepaymentPeriod = cumulativeFeeChargesDueWithin(startDate, period.getDueDate(), loanCharges,
currency, period, repaymentPeriods.size(), totalPrincipal, totalInterest, !period.isRecalculatedInterestComponent(),
lastTransactionDate);
final Money feeChargesWaivedForRepaymentPeriod = cumulativeFeeChargesWaivedWithin(startDate, period.getDueDate(), loanCharges,
currency, !period.isRecalculatedInterestComponent());
final Money feeChargesWrittenOffForRepaymentPeriod = cumulativeFeeChargesWrittenOffWithin(startDate, period.getDueDate(),
loanCharges, currency, !period.isRecalculatedInterestComponent());
final Money penaltyChargesDueForRepaymentPeriod = cumulativePenaltyChargesDueWithin(startDate, period.getDueDate(),
loanCharges, currency, period, repaymentPeriods.size(), totalPrincipal, totalInterest,
!period.isRecalculatedInterestComponent(), lastTransactionDate);
final Money penaltyChargesWaivedForRepaymentPeriod = cumulativePenaltyChargesWaivedWithin(startDate, period.getDueDate(),
loanCharges, currency, !period.isRecalculatedInterestComponent());
final Money penaltyChargesWrittenOffForRepaymentPeriod = cumulativePenaltyChargesWrittenOffWithin(startDate,
period.getDueDate(), loanCharges, currency, !period.isRecalculatedInterestComponent());
period.updateChargePortion(feeChargesDueForRepaymentPeriod, feeChargesWaivedForRepaymentPeriod,
feeChargesWrittenOffForRepaymentPeriod, penaltyChargesDueForRepaymentPeriod, penaltyChargesWaivedForRepaymentPeriod,
penaltyChargesWrittenOffForRepaymentPeriod);
startDate = period.getDueDate();
}
}
private Money cumulativeFeeChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd, final Set<LoanCharge> loanCharges,
final MonetaryCurrency monetaryCurrency, LoanRepaymentScheduleInstallment period, int numberOfRepayments,
final Money totalPrincipal, final Money totalInterest, boolean isInstallmentChargeApplicable,
final LocalDate lastTransactionDate) {
Money cumulative = Money.zero(monetaryCurrency);
for (final LoanCharge loanCharge : loanCharges) {
if (loanCharge.isFeeCharge()) {
if (loanCharge.isInstalmentFee() && isInstallmentChargeApplicable) {
if (loanCharge.getChargeCalculation().isPercentageBased()) {
BigDecimal amount = BigDecimal.ZERO;
if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
amount = amount.add(period.getPrincipal(monetaryCurrency).getAmount()).add(
period.getInterestCharged(monetaryCurrency).getAmount());
} else if (loanCharge.getChargeCalculation().isPercentageOfInterest()) {
amount = amount.add(period.getInterestCharged(monetaryCurrency).getAmount());
} else {
amount = amount.add(period.getPrincipal(monetaryCurrency).getAmount());
}
BigDecimal loanChargeAmt = amount.multiply(loanCharge.getPercentage()).divide(BigDecimal.valueOf(100));
cumulative = cumulative.plus(loanChargeAmt);
} else {
cumulative = cumulative.plus(loanCharge.amount().divide(BigDecimal.valueOf(numberOfRepayments)));
}
} else if (loanCharge.isOverdueInstallmentCharge()
&& loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
&& loanCharge.getChargeCalculation().isPercentageBased()) {
cumulative = cumulative.plus(loanCharge.chargeAmount());
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
&& loanCharge.getChargeCalculation().isPercentageBased()
&& !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
BigDecimal amount = BigDecimal.ZERO;
if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
amount = amount.add(totalPrincipal.getAmount()).add(totalInterest.getAmount());
} else if (loanCharge.getChargeCalculation().isPercentageOfInterest()) {
amount = amount.add(totalInterest.getAmount());
} else {
amount = amount.add(totalPrincipal.getAmount());
}
BigDecimal loanChargeAmt = amount.multiply(loanCharge.getPercentage()).divide(BigDecimal.valueOf(100));
cumulative = cumulative.plus(loanChargeAmt);
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
cumulative = cumulative.plus(loanCharge.amount());
}
}
}
return cumulative;
}
private Money cumulativeFeeChargesWaivedWithin(final LocalDate periodStart, final LocalDate periodEnd,
final Set<LoanCharge> loanCharges, final MonetaryCurrency currency, boolean isInstallmentChargeApplicable) {
Money cumulative = Money.zero(currency);
for (final LoanCharge loanCharge : loanCharges) {
if (loanCharge.isFeeCharge()) {
if (loanCharge.isInstalmentFee() && isInstallmentChargeApplicable) {
LoanInstallmentCharge loanChargePerInstallment = loanCharge.getInstallmentLoanCharge(periodEnd);
if (loanChargePerInstallment != null) {
cumulative = cumulative.plus(loanChargePerInstallment.getAmountWaived(currency));
}
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
cumulative = cumulative.plus(loanCharge.getAmountWaived(currency));
}
}
}
return cumulative;
}
private Money cumulativeFeeChargesWrittenOffWithin(final LocalDate periodStart, final LocalDate periodEnd,
final Set<LoanCharge> loanCharges, final MonetaryCurrency currency, boolean isInstallmentChargeApplicable) {
Money cumulative = Money.zero(currency);
for (final LoanCharge loanCharge : loanCharges) {
if (loanCharge.isFeeCharge()) {
if (loanCharge.isInstalmentFee() && isInstallmentChargeApplicable) {
LoanInstallmentCharge loanChargePerInstallment = loanCharge.getInstallmentLoanCharge(periodEnd);
if (loanChargePerInstallment != null) {
cumulative = cumulative.plus(loanChargePerInstallment.getAmountWrittenOff(currency));
}
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
cumulative = cumulative.plus(loanCharge.getAmountWrittenOff(currency));
}
}
}
return cumulative;
}
private Money cumulativePenaltyChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd,
final Set<LoanCharge> loanCharges, final MonetaryCurrency currency, LoanRepaymentScheduleInstallment period,
int numberOfRepayments, final Money totalPrincipal, final Money totalInterest, boolean isInstallmentChargeApplicable,
final LocalDate lastTransactionDate) {
Money cumulative = Money.zero(currency);
for (final LoanCharge loanCharge : loanCharges) {
if (loanCharge.isPenaltyCharge()) {
if (loanCharge.isInstalmentFee() && isInstallmentChargeApplicable) {
if (loanCharge.getChargeCalculation().isPercentageBased()) {
BigDecimal amount = BigDecimal.ZERO;
if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
amount = amount.add(period.getPrincipal(currency).getAmount()).add(
period.getInterestCharged(currency).getAmount());
} else if (loanCharge.getChargeCalculation().isPercentageOfInterest()) {
amount = amount.add(period.getInterestCharged(currency).getAmount());
} else {
amount = amount.add(period.getPrincipal(currency).getAmount());
}
BigDecimal loanChargeAmt = amount.multiply(loanCharge.getPercentage()).divide(BigDecimal.valueOf(100));
cumulative = cumulative.plus(loanChargeAmt);
} else {
cumulative = cumulative.plus(loanCharge.amount().divide(BigDecimal.valueOf(numberOfRepayments)));
}
} else if (loanCharge.isOverdueInstallmentCharge()
&& loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
&& loanCharge.getChargeCalculation().isPercentageBased()) {
cumulative = cumulative.plus(loanCharge.chargeAmount());
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
&& loanCharge.getChargeCalculation().isPercentageBased()
&& !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
BigDecimal amount = BigDecimal.ZERO;
if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
amount = amount.add(totalPrincipal.getAmount()).add(totalInterest.getAmount());
} else if (loanCharge.getChargeCalculation().isPercentageOfInterest()) {
amount = amount.add(totalInterest.getAmount());
} else {
amount = amount.add(totalPrincipal.getAmount());
}
BigDecimal loanChargeAmt = amount.multiply(loanCharge.getPercentage()).divide(BigDecimal.valueOf(100));
cumulative = cumulative.plus(loanChargeAmt);
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
cumulative = cumulative.plus(loanCharge.amount());
}
}
}
return cumulative;
}
private Money cumulativePenaltyChargesWaivedWithin(final LocalDate periodStart, final LocalDate periodEnd,
final Set<LoanCharge> loanCharges, final MonetaryCurrency currency, boolean isInstallmentChargeApplicable) {
Money cumulative = Money.zero(currency);
for (final LoanCharge loanCharge : loanCharges) {
if (loanCharge.isPenaltyCharge()) {
if (loanCharge.isInstalmentFee() && isInstallmentChargeApplicable) {
LoanInstallmentCharge loanChargePerInstallment = loanCharge.getInstallmentLoanCharge(periodEnd);
if (loanChargePerInstallment != null) {
cumulative = cumulative.plus(loanChargePerInstallment.getAmountWaived(currency));
}
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
cumulative = cumulative.plus(loanCharge.getAmountWaived(currency));
}
}
}
return cumulative;
}
private Money cumulativePenaltyChargesWrittenOffWithin(final LocalDate periodStart, final LocalDate periodEnd,
final Set<LoanCharge> loanCharges, final MonetaryCurrency currency, boolean isInstallmentChargeApplicable) {
Money cumulative = Money.zero(currency);
for (final LoanCharge loanCharge : loanCharges) {
if (loanCharge.isPenaltyCharge()) {
if (loanCharge.isInstalmentFee() && isInstallmentChargeApplicable) {
LoanInstallmentCharge loanChargePerInstallment = loanCharge.getInstallmentLoanCharge(periodEnd);
if (loanChargePerInstallment != null) {
cumulative = cumulative.plus(loanChargePerInstallment.getAmountWrittenOff(currency));
}
} else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
cumulative = cumulative.plus(loanCharge.getAmountWrittenOff(currency));
}
}
}
return cumulative;
}
}