FINERACT-2232: Capitalized income - amortization calc util

2025-04-28 14:53:40 +02:00
parent 6d3e19cf25
commit 964017e666
2 changed files with 105 additions and 0 deletions
@@ -0,0 +1,39 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.util;
+
+import java.math.BigDecimal;
+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.LoanCapitalizedIncomeStrategy;
+
+public final class CapitalizedIncomeAmortizationUtil {
+
+    private CapitalizedIncomeAmortizationUtil() {}
+
+    public static Money calculateDailyAmortization(final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy,
+            final long daysTillMaturity, final BigDecimal remainingAmount, final CurrencyData currencyData) {
+        BigDecimal amortization = switch (capitalizedIncomeStrategy) {
+            case EQUAL_AMORTIZATION -> remainingAmount.divide(BigDecimal.valueOf(daysTillMaturity), MoneyHelper.getMathContext());
+        };
+
+        return Money.of(currencyData, amortization);
+    }
+}
@@ -0,0 +1,66 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.util;
+
+import java.math.BigDecimal;
+import java.math.MathContext;
+import java.math.RoundingMode;
+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.LoanCapitalizedIncomeStrategy;
+import org.junit.jupiter.api.AfterAll;
+import org.junit.jupiter.api.Assertions;
+import org.junit.jupiter.api.BeforeAll;
+import org.junit.jupiter.api.Test;
+import org.mockito.MockedStatic;
+import org.mockito.Mockito;
+
+class CapitalizedIncomeAmortizationUtilTest {
+
+    private static final MockedStatic<MoneyHelper> MONEY_HELPER = Mockito.mockStatic(MoneyHelper.class);
+
+    @BeforeAll
+    public static void init() {
+        MONEY_HELPER.when(MoneyHelper::getMathContext).thenReturn(new MathContext(19, RoundingMode.HALF_EVEN));
+        MONEY_HELPER.when(MoneyHelper::getRoundingMode).thenReturn(RoundingMode.HALF_EVEN);
+    }
+
+    @AfterAll
+    public static void deregister() {
+        MONEY_HELPER.close();
+    }
+
+    @Test
+    void calculateDailyAmortizationEqualAmortization() {
+        CurrencyData currency = new CurrencyData("USD", 2, null);
+
+        BigDecimal remaining = BigDecimal.valueOf(50.0);
+        Money dailyAmortization = CapitalizedIncomeAmortizationUtil
+                .calculateDailyAmortization(LoanCapitalizedIncomeStrategy.EQUAL_AMORTIZATION, 91L, remaining, currency);
+
+        Assertions.assertEquals(BigDecimal.valueOf(0.55), dailyAmortization.getAmount());
+
+        BigDecimal remaining2 = BigDecimal.valueOf(8.2);
+        Money dailyAmortization2 = CapitalizedIncomeAmortizationUtil
+                .calculateDailyAmortization(LoanCapitalizedIncomeStrategy.EQUAL_AMORTIZATION, 15L, remaining2, currency);
+
+        Assertions.assertEquals(BigDecimal.valueOf(0.55), dailyAmortization2.getAmount());
+    }
+}