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FINERACT-2081: Loan account summary with Unpaid Payable Interest

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This commit is contained in:
Jose Alberto Hernandez
2024-08-01 23:12:38 +02:00
committed by Adam Saghy
parent 526fb6b3a8
commit 06edb4c7d9
5 changed files with 193 additions and 94 deletions
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fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanSummaryData.java
+45 -58
View File
@@ -26,8 +26,9 @@ import lombok.Builder;
import lombok.Data;
import lombok.experimental.Accessors;
import org.apache.fineract.infrastructure.core.service.DateUtils;
import org.apache.fineract.infrastructure.core.service.MathUtil;
import org.apache.fineract.organisation.monetary.data.CurrencyData;
import org.apache.fineract.organisation.monetary.domain.Money;
import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionType;
import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanSchedulePeriodData;
@@ -100,11 +101,12 @@ public class LoanSummaryData {
private final Long chargeOffReasonId;
private final String chargeOffReason;
private BigDecimal totalUnpaidAccruedDueInterest;
private BigDecimal totalUnpaidAccruedNotDueInterest;
private BigDecimal totalUnpaidPayableDueInterest;
private BigDecimal totalUnpaidPayableNotDueInterest;
public static LoanSummaryData withTransactionAmountsSummary(final LoanSummaryData defaultSummaryData,
final LoanScheduleData repaymentSchedule, final Collection<LoanTransactionBalance> loanTransactionBalances) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
BigDecimal totalMerchantRefund = BigDecimal.ZERO;
BigDecimal totalMerchantRefundReversed = BigDecimal.ZERO;
@@ -121,8 +123,8 @@ public class LoanSummaryData {
BigDecimal totalRepaymentTransactionReversed = BigDecimal.ZERO;
BigDecimal totalInterestPaymentWaiver = BigDecimal.ZERO;
BigDecimal totalInterestRefund = BigDecimal.ZERO;
BigDecimal totalUnpaidAccruedDueInterest = BigDecimal.ZERO;
BigDecimal totalUnpaidAccruedNotDueInterest = BigDecimal.ZERO;
BigDecimal totalUnpaidPayableDueInterest = BigDecimal.ZERO;
BigDecimal totalUnpaidPayableNotDueInterest = BigDecimal.ZERO;
totalChargeAdjustment = fetchLoanTransactionBalanceByType(loanTransactionBalances,
LoanTransactionType.CHARGE_ADJUSTMENT.getValue());
@@ -160,25 +162,12 @@ public class LoanSummaryData {
LoanTransactionType.REPAYMENT.getValue());
if (repaymentSchedule != null) {
// Accrued Due Interest on Past due installments
totalUnpaidAccruedDueInterest = computeTotalAccruedDueInterestAmount(repaymentSchedule.getPeriods());
if (MathUtil.isGreaterThanZero(totalUnpaidAccruedDueInterest)) {
totalUnpaidAccruedDueInterest = totalUnpaidAccruedDueInterest
.subtract(computeTotalInterestPaidDueAmount(repaymentSchedule.getPeriods()));
if (MathUtil.isLessThanZero(totalUnpaidAccruedDueInterest)) {
totalUnpaidAccruedDueInterest = BigDecimal.ZERO;
}
}
// Outstanding Interest on Past due installments
totalUnpaidPayableDueInterest = computeTotalUnpaidPayableDueInterestAmount(repaymentSchedule.getPeriods(), businessDate);
// Accrued Due Interest on Actual Installment
totalUnpaidAccruedNotDueInterest = computeTotalAccruedNotDueInterestAmountOnActualPeriod(repaymentSchedule.getPeriods());
if (MathUtil.isGreaterThanZero(totalUnpaidAccruedNotDueInterest)) {
totalUnpaidAccruedNotDueInterest = totalUnpaidAccruedNotDueInterest
.subtract(computeTotalInterestPaidNotDueAmountOnActualPeriod(repaymentSchedule.getPeriods()));
if (MathUtil.isLessThanZero(totalUnpaidAccruedNotDueInterest)) {
totalUnpaidAccruedNotDueInterest = BigDecimal.ZERO;
}
}
// Accumulated daily interest of the current Installment period
totalUnpaidPayableNotDueInterest = computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(repaymentSchedule.getPeriods(),
businessDate, defaultSummaryData.currency);
}
return LoanSummaryData.builder().currency(defaultSummaryData.currency).principalDisbursed(defaultSummaryData.principalDisbursed)
@@ -212,8 +201,8 @@ public class LoanSummaryData {
.totalChargeback(totalChargeback).totalCreditBalanceRefund(totalCreditBalanceRefund)
.totalCreditBalanceRefundReversed(totalCreditBalanceRefundReversed).totalRepaymentTransaction(totalRepaymentTransaction)
.totalRepaymentTransactionReversed(totalRepaymentTransactionReversed).totalInterestPaymentWaiver(totalInterestPaymentWaiver)
.totalUnpaidAccruedDueInterest(totalUnpaidAccruedDueInterest)
.totalUnpaidAccruedNotDueInterest(totalUnpaidAccruedNotDueInterest).totalInterestRefund(totalInterestRefund).build();
.totalUnpaidPayableDueInterest(totalUnpaidPayableDueInterest)
.totalUnpaidPayableNotDueInterest(totalUnpaidPayableNotDueInterest).totalInterestRefund(totalInterestRefund).build();
}
private static BigDecimal fetchLoanTransactionBalanceByType(final Collection<LoanTransactionBalance> loanTransactionBalances,
@@ -236,44 +225,42 @@ public class LoanSummaryData {
return LoanSummaryData.builder().currency(currencyData).build();
}
private static BigDecimal computeTotalAccruedDueInterestAmount(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream().filter(period -> !period.getDownPaymentPeriod() && businessDate.isAfter(period.getDueDate()))
.map(period -> period.getTotalAccruedInterest()).reduce(BigDecimal.ZERO, BigDecimal::add);
private static BigDecimal computeTotalUnpaidPayableDueInterestAmount(Collection<LoanSchedulePeriodData> periods,
final LocalDate businessDate) {
return periods.stream().filter(period -> !period.getDownPaymentPeriod() && businessDate.compareTo(period.getDueDate()) >= 0)
.map(period -> period.getInterestOutstanding()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
private static BigDecimal computeTotalInterestPaidDueAmount(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream().filter(period -> !period.getDownPaymentPeriod() && businessDate.isAfter(period.getDueDate()))
.map(period -> period.getInterestPaid()).reduce(BigDecimal.ZERO, BigDecimal::add);
private static BigDecimal computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(final Collection<LoanSchedulePeriodData> periods,
final LocalDate businessDate, final CurrencyData currency) {
// Find the current Period (If exists one) based on the Business date
final Optional<LoanSchedulePeriodData> optCurrentPeriod = periods.stream()
.filter(period -> !period.getDownPaymentPeriod() && period.isActualPeriodForNotDuePayableCalculation(businessDate))
.findFirst();
if (optCurrentPeriod.isPresent()) {
final LoanSchedulePeriodData currentPeriod = optCurrentPeriod.get();
final long remainingDays = currentPeriod.getDaysInPeriod()
- DateUtils.getDifferenceInDays(currentPeriod.getFromDate(), businessDate);
return computeAccruedInterestTillDay(currentPeriod, remainingDays, currency);
}
// Default value equal to Zero
return BigDecimal.ZERO;
}
private static BigDecimal computeTotalAccruedNotDueInterestAmountOnActualPeriod(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream()
.filter(period -> !period.getDownPaymentPeriod() && isActualPeriod(period) && businessDate.isBefore(period.getDueDate()))
.map(period -> period.getTotalAccruedInterest()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
private static BigDecimal computeTotalInterestPaidNotDueAmountOnActualPeriod(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream()
.filter(period -> !period.getDownPaymentPeriod() && isActualPeriod(period) && businessDate.isBefore(period.getDueDate()))
.map(period -> period.getInterestPaid()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
private static boolean isActualPeriod(LoanSchedulePeriodData period) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
boolean actualPeriod = false;
if (period.getPeriod() != null) {
if (period.getPeriod() == 1) {
actualPeriod = ((businessDate.isEqual(period.getFromDate()) || businessDate.isAfter(period.getFromDate()))
&& businessDate.isBefore(period.getDueDate()));
} else {
actualPeriod = (businessDate.isAfter(period.getFromDate()) && businessDate.isBefore(period.getDueDate()));
}
private static BigDecimal computeAccruedInterestTillDay(final LoanSchedulePeriodData period, final long untilDay,
final CurrencyData currency) {
Integer remainingDays = period.getDaysInPeriod();
BigDecimal totalAccruedInterest = BigDecimal.ZERO;
while (remainingDays > untilDay) {
final BigDecimal accruedInterest = period.getInterestDue().subtract(totalAccruedInterest)
.divide(BigDecimal.valueOf(remainingDays), MoneyHelper.getMathContext());
totalAccruedInterest = totalAccruedInterest.add(accruedInterest);
remainingDays--;
}
return actualPeriod;
return Money.of(currency, totalAccruedInterest).getAmount();
}
}
fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/data/LoanSchedulePeriodData.java
+13
View File
@@ -402,6 +402,19 @@ public final class LoanSchedulePeriodData {
return value;
}
public boolean isActualPeriodForNotDuePayableCalculation(final LocalDate businessDate) {
boolean actualPeriod = false;
if (getPeriod() != null) {
if (getPeriod() == 1) {
actualPeriod = ((businessDate.compareTo(getFromDate()) >= 0) && businessDate.compareTo(getDueDate()) < 0);
} else {
actualPeriod = ((businessDate.compareTo(getFromDate()) >= 0) && businessDate.compareTo(getDueDate()) < 0);
}
}
return actualPeriod;
}
public BigDecimal getPrincipalDisbursed() {
return defaultToZeroIfNull(this.principalDisbursed);
}