FINERACT-2311: Add Buy Down Fees transaction support

This commit is contained in:
Jose Alberto Hernandez
2025-07-08 13:50:24 +02:00
committed by Adam Saghy
parent b8d6dfa794
commit 53108227ae
8 changed files with 74 additions and 20 deletions
@@ -689,7 +689,8 @@ public class LoanTransactionsApiResource {
transactionData = this.loanReadPlatformService.retrieveLoanTransactionTemplate(resolvedLoanId,
LoanTransactionType.CAPITALIZED_INCOME_ADJUSTMENT, transactionId);
} else if (CommandParameterUtil.is(commandParam, LoanApiConstants.BUY_DOWN_FEE_COMMAND)) {
transactionData = this.loanReadPlatformService.retrieveLoanTransactionTemplate(resolvedLoanId);
transactionData = this.loanReadPlatformService.retrieveLoanTransactionTemplate(resolvedLoanId, LoanTransactionType.BUY_DOWN_FEE,
transactionId);
} else if (CommandParameterUtil.is(commandParam, LoanApiConstants.BUY_DOWN_FEE_ADJUSTMENT_COMMAND)) {
transactionData = this.loanReadPlatformService.retrieveLoanTransactionTemplate(resolvedLoanId,
LoanTransactionType.BUY_DOWN_FEE_ADJUSTMENT, transactionId);
@@ -33,7 +33,7 @@ import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeBalance;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
import org.apache.fineract.portfolio.loanaccount.repository.LoanBuyDownFeesBalanceRepository;
import org.apache.fineract.portfolio.loanaccount.repository.LoanBuyDownFeeBalanceRepository;
import org.apache.fineract.portfolio.loanaccount.util.BuyDownFeeAmortizationUtil;
import org.springframework.lang.NonNull;
import org.springframework.stereotype.Component;
@@ -44,7 +44,7 @@ import org.springframework.transaction.annotation.Transactional;
public class LoanBuyDownFeeAmortizationProcessingServiceImpl implements LoanBuyDownFeeAmortizationProcessingService {
private final LoanTransactionRepository loanTransactionRepository;
private final LoanBuyDownFeesBalanceRepository loanBuyDownFeesBalanceRepository;
private final LoanBuyDownFeeBalanceRepository loanBuyDownFeeBalanceRepository;
private final BusinessEventNotifierService businessEventNotifierService;
private final LoanJournalEntryPoster journalEntryPoster;
private final ExternalIdFactory externalIdFactory;
@@ -55,7 +55,7 @@ public class LoanBuyDownFeeAmortizationProcessingServiceImpl implements LoanBuyD
final List<Long> existingTransactionIds = loanTransactionRepository.findTransactionIdsByLoan(loan);
final List<Long> existingReversedTransactionIds = loanTransactionRepository.findReversedTransactionIdsByLoan(loan);
List<LoanBuyDownFeeBalance> balances = loanBuyDownFeesBalanceRepository.findAllByLoanId(loan.getId());
List<LoanBuyDownFeeBalance> balances = loanBuyDownFeeBalanceRepository.findAllByLoanId(loan.getId());
LocalDate maturityDate = loan.getMaturityDate() != null ? loan.getMaturityDate()
: getFinalBuyDownFeeAmortizationTransactionDate(loan);
@@ -75,7 +75,7 @@ public class LoanBuyDownFeeAmortizationProcessingServiceImpl implements LoanBuyD
.subtract(amortizationTillDate.getAmount()));
}
loanBuyDownFeesBalanceRepository.saveAll(balances);
loanBuyDownFeeBalanceRepository.saveAll(balances);
BigDecimal totalAmortized = loanTransactionRepository.getAmortizedAmountBuyDownFee(loan);
BigDecimal totalAmortizationAmount = totalAmortization.getAmount().subtract(totalAmortized);
@@ -484,16 +484,41 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
switch (transactionType) {
case CAPITALIZED_INCOME:
final Loan loan = loanRepositoryWrapper.findOneWithNotFoundDetection(loanId);
BigDecimal capitalizedIncomeBalance = BigDecimal.ZERO;
BigDecimal buyDownFeeBalance = BigDecimal.ZERO;
if (loan.getLoanProduct().getLoanProductRelatedDetail().isEnableIncomeCapitalization()) {
final BigDecimal capitalizedIncomeBalance = loanCapitalizedIncomeBalanceRepository.findAllByLoanId(loanId).stream()
capitalizedIncomeBalance = loanCapitalizedIncomeBalanceRepository.findAllByLoanId(loanId).stream()
.map(LoanCapitalizedIncomeBalance::getAmount).reduce(BigDecimal.ZERO, BigDecimal::add);
transactionAmount = loan.getApprovedPrincipal().subtract(loan.getDisbursedAmount()).subtract(capitalizedIncomeBalance);
}
// Calculate Buy Down Fee balance to subtract from Capitalized Income formula
buyDownFeeBalance = loanBuyDownFeeBalanceRepository.findAllByLoanId(loanId).stream().map(LoanBuyDownFeeBalance::getAmount)
.reduce(BigDecimal.ZERO, BigDecimal::add);
transactionAmount = loan.getApprovedPrincipal().subtract(loan.getDisbursedAmount()).subtract(capitalizedIncomeBalance)
.subtract(buyDownFeeBalance);
paymentOptions = this.paymentTypeReadPlatformService.retrieveAllPaymentTypes();
loanTransactionData = LoanTransactionData.loanTransactionDataForCreditTemplate(
LoanEnumerations.transactionType(transactionType), DateUtils.getBusinessLocalDate(), transactionAmount,
paymentOptions, retriveLoanCurrencyData(loanId));
break;
case BUY_DOWN_FEE:
final Loan buyDownLoan = loanRepositoryWrapper.findOneWithNotFoundDetection(loanId);
BigDecimal buyDownFeeBalanceForCalc = BigDecimal.ZERO;
BigDecimal capitalizedIncomeBalanceForCalc = BigDecimal.ZERO;
// Calculate existing Buy Down Fee balance
buyDownFeeBalanceForCalc = loanBuyDownFeeBalanceRepository.findAllByLoanId(loanId).stream()
.map(LoanBuyDownFeeBalance::getAmount).reduce(BigDecimal.ZERO, BigDecimal::add);
// Calculate Capitalized Income balance to subtract from Buy Down Fee formula
if (buyDownLoan.getLoanProduct().getLoanProductRelatedDetail().isEnableIncomeCapitalization()) {
capitalizedIncomeBalanceForCalc = loanCapitalizedIncomeBalanceRepository.findAllByLoanId(loanId).stream()
.map(LoanCapitalizedIncomeBalance::getAmount).reduce(BigDecimal.ZERO, BigDecimal::add);
}
transactionAmount = buyDownLoan.getApprovedPrincipal().subtract(buyDownLoan.getDisbursedAmount())
.subtract(buyDownFeeBalanceForCalc).subtract(capitalizedIncomeBalanceForCalc);
paymentOptions = this.paymentTypeReadPlatformService.retrieveAllPaymentTypes();
loanTransactionData = LoanTransactionData.loanTransactionDataForCreditTemplate(
LoanEnumerations.transactionType(transactionType), DateUtils.getBusinessLocalDate(), transactionAmount,
paymentOptions, retriveLoanCurrencyData(loanId));
break;
case CAPITALIZED_INCOME_ADJUSTMENT:
final LoanCapitalizedIncomeBalance loanCapitalizedIncomeBalance = loanCapitalizedIncomeBalanceRepository
@@ -567,10 +567,10 @@ public class LoanAccountConfiguration {
@ConditionalOnMissingBean(LoanBuyDownFeeAmortizationProcessingService.class)
public LoanBuyDownFeeAmortizationProcessingService loanBuyDownFeeAmortizationProcessingService(
final LoanTransactionRepository loanTransactionRepository,
final LoanBuyDownFeesBalanceRepository loanBuyDownFeesBalanceRepository,
final LoanBuyDownFeeBalanceRepository loanBuyDownFeeBalanceRepository,
final BusinessEventNotifierService businessEventNotifierService, final LoanJournalEntryPoster journalEntryPoster,
final ExternalIdFactory externalIdFactory) {
return new LoanBuyDownFeeAmortizationProcessingServiceImpl(loanTransactionRepository, loanBuyDownFeesBalanceRepository,
return new LoanBuyDownFeeAmortizationProcessingServiceImpl(loanTransactionRepository, loanBuyDownFeeBalanceRepository,
businessEventNotifierService, journalEntryPoster, externalIdFactory);
}
}