create two types of repayment strategy from abstract template.
This commit is contained in:
Keith Woodlock
+140
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package org.mifosng.platform.loan.domain;
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import java.util.List;
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import org.joda.time.LocalDate;
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import org.mifosng.platform.currency.domain.MonetaryCurrency;
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import org.mifosng.platform.currency.domain.Money;
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/**
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* Abstract implementation of {@link LoanRepaymentScheduleTransactionProcessor} which is more convenient for concrete implementations to extend.
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*
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* @see HeavensFamilyLoanRepaymentScheduleTransactionProcessor
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* @see CreocoreLoanRepaymentScheduleTransactionProcessor
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*/
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public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implements LoanRepaymentScheduleTransactionProcessor {
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/**
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* Provides support for passing all {@link LoanTransaction}'s so it will
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* completely re-process the entire loan schedule. This is required in cases
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* where the {@link LoanTransaction} being processed is in the past and
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* falls before existing transactions or and adjustment is made to an
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* existing in which case the entire loan schedule needs to be re-processed.
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*/
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@Override
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public void handleTransaction(
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final List<LoanTransaction> repaymentsOrWaivers,
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final MonetaryCurrency currency,
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final List<LoanRepaymentScheduleInstallment> installments) {
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for (LoanRepaymentScheduleInstallment currentInstallment : installments) {
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currentInstallment.resetDerivedComponents();
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}
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for (LoanTransaction loanTransaction : repaymentsOrWaivers) {
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loanTransaction.resetDerivedComponents();
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handleTransaction(loanTransaction, currency, installments);
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}
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}
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/**
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* Provides support for processing the latest transaction (which should be latest transaction) against the loan schedule.
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*/
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@Override
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public void handleTransaction(
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final LoanTransaction loanTransaction,
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final MonetaryCurrency currency,
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final List<LoanRepaymentScheduleInstallment> installments) {
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// find earliest unpaid installment for which to apply this transaction to.
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int installmentIndex = 0;
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final LocalDate transactionDate = loanTransaction.getTransactionDate();
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Money transactionAmountUnprocessed = loanTransaction.getAmount(currency);
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for (LoanRepaymentScheduleInstallment currentInstallment : installments) {
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if (currentInstallment.isNotFullyCompleted()) {
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// is this transaction early/late/on-time with respect to the current installment?
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if (isTransactionInAdvanceOfInstallment(installmentIndex, installments, transactionDate, transactionAmountUnprocessed)) {
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transactionAmountUnprocessed = handleTransactionThatIsPaymentInAdvanceOfInstallment(currentInstallment, installments, loanTransaction, transactionDate, transactionAmountUnprocessed);
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} else if (isTransactionALateRepaymentOnInstallment(installmentIndex, installments, loanTransaction.getTransactionDate())) {
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// does this result in a late payment of existing installment?
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transactionAmountUnprocessed = handleTransactionThatIsALateRepaymentOfInstallment(currentInstallment, installments, loanTransaction, transactionAmountUnprocessed);
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} else {
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// standard transaction
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transactionAmountUnprocessed = handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, transactionAmountUnprocessed);
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}
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}
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installmentIndex++;
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}
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if (transactionAmountUnprocessed.isGreaterThanZero()) {
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onLoanOverpayment(loanTransaction, transactionAmountUnprocessed);
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}
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}
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// abstract interface
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/**
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* This method is responsible for checking if the current transaction is 'an
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* advance/early payment' based on the details passed through.
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*
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* Default implementation simply processes transactions as 'Late' if the
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* transaction date is after the installment due date.
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*/
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protected boolean isTransactionALateRepaymentOnInstallment(final int installmentIndex,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LocalDate transactionDate) {
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LoanRepaymentScheduleInstallment currentInstallment = installments.get(installmentIndex);
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return transactionDate.isAfter(currentInstallment.getDueDate());
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}
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/**
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* For late repayments, how should components of installment be paid off
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*/
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protected abstract Money handleTransactionThatIsALateRepaymentOfInstallment(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction loanTransaction,
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final Money transactionAmountUnprocessed);
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/**
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* This method is responsible for checking if the current transaction is 'an
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* advance/early payment' based on the details passed through.
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*/
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protected abstract boolean isTransactionInAdvanceOfInstallment(
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final int currentInstallmentIndex,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LocalDate transactionDate,
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final Money transactionAmount);
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/**
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* For early/'in advance' repayments.
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*/
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protected abstract Money handleTransactionThatIsPaymentInAdvanceOfInstallment(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction loanTransaction,
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final LocalDate transactionDate,
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final Money paymentInAdvance);
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/**
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* For normal on-time repayments.
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*/
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protected abstract Money handleTransactionThatIsOnTimePaymentOfInstallment(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final LoanTransaction loanTransaction,
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final Money transactionAmountUnprocessed);
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/**
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* Invoked when a transaction results in an over-payment of the full loan.
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*
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* transaction amount is greater than the total expected principal and interest of the loan.
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*/
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protected abstract void onLoanOverpayment(final LoanTransaction loanTransaction, final Money loanOverPaymentAmount);
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}
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+102
@@ -0,0 +1,102 @@
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package org.mifosng.platform.loan.domain;
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import java.util.List;
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import org.joda.time.LocalDate;
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import org.mifosng.platform.currency.domain.Money;
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/**
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* Creocore style {@link LoanRepaymentScheduleTransactionProcessor}.
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*
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* For standard transactions, pays off components in order of interest, then
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* principal.
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*
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* If a transaction results in an advance payment or over-payment for a given
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* installment, the over paid amount is pay off on the principal component of
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* subsequent installments.
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*
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* If the entire principal of an installment is paid in advance then the
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* interest component is waived.
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*/
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public class CreocoreLoanRepaymentScheduleTransactionProcessor extends
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AbstractLoanRepaymentScheduleTransactionProcessor {
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/**
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* For creocore, early is defined as any date before the installment due
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* date
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*/
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@Override
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protected boolean isTransactionInAdvanceOfInstallment(
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final int currentInstallmentIndex,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LocalDate transactionDate, final Money transactionAmount) {
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LoanRepaymentScheduleInstallment currentInstallment = installments.get(currentInstallmentIndex);
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return transactionDate.isBefore(currentInstallment.getDueDate());
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}
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/**
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* For early/'in advance' repayments, pays off principal component only.
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*/
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@Override
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protected Money handleTransactionThatIsPaymentInAdvanceOfInstallment(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction loanTransaction,
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final LocalDate transactionDate, final Money paymentInAdvance) {
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return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, paymentInAdvance);
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}
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/**
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* For late repayments, pay off in the same way as on-time payments,
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* interest first then principal.
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*/
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@Override
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protected Money handleTransactionThatIsALateRepaymentOfInstallment(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction loanTransaction,
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final Money transactionAmountUnprocessed) {
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return handleTransactionThatIsOnTimePaymentOfInstallment(
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currentInstallment, loanTransaction,
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transactionAmountUnprocessed);
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}
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/**
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* For normal on-time repayments, pays off interest first, then principal.
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*/
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@Override
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protected Money handleTransactionThatIsOnTimePaymentOfInstallment(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final LoanTransaction loanTransaction,
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final Money transactionAmountUnprocessed) {
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Money transactionAmountRemaining = transactionAmountUnprocessed;
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Money interestPortion = currentInstallment
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.payInterestComponent(transactionAmountRemaining);
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transactionAmountRemaining = transactionAmountRemaining
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.minus(interestPortion);
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Money principalPortion = currentInstallment
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.payPrincipalComponent(transactionAmountRemaining);
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transactionAmountRemaining = transactionAmountRemaining
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.minus(principalPortion);
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Money interestWaivedPortion = Money.zero(transactionAmountRemaining
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.getCurrency());
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loanTransaction.updateComponents(principalPortion, interestPortion,
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interestWaivedPortion);
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return transactionAmountRemaining;
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}
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@Override
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protected void onLoanOverpayment(final LoanTransaction loanTransaction,
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final Money loanOverPaymentAmount) {
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// dont do anything for with loan over-payment
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}
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}
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-206
@@ -1,206 +0,0 @@
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package org.mifosng.platform.loan.domain;
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import java.util.List;
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import org.joda.time.LocalDate;
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import org.mifosng.platform.currency.domain.MonetaryCurrency;
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import org.mifosng.platform.currency.domain.Money;
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/**
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* Heavensfamily style {@link LoanRepaymentScheduleTransactionProcessor}.
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*
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* For standard transactions, pays off components in order of interest, then principal.
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*
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* If a transaction results in an overpayment for a given installment, the over paid amount is pay off on the principal component of subsequent installments.
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*/
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public class DefaultLoanRepaymentScheduleTransactionProcessor implements LoanRepaymentScheduleTransactionProcessor {
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@Override
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public void handleTransaction(final List<LoanTransaction> repaymentsOrWaivers,
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final MonetaryCurrency currency,
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final List<LoanRepaymentScheduleInstallment> installments) {
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for (LoanRepaymentScheduleInstallment currentInstallment : installments) {
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currentInstallment.resetDerivedComponents();
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}
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for (LoanTransaction loanTransaction : repaymentsOrWaivers) {
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loanTransaction.resetDerivedComponents();
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handleTransaction(loanTransaction, currency, installments);
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}
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}
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@Override
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public void handleTransaction(final LoanTransaction loanTransaction, final MonetaryCurrency currency, final List<LoanRepaymentScheduleInstallment> installments) {
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// find earliest unpaid installment for which to apply this transaction to.
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boolean transactionProcessed = false;
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int installmentIndex = 0;
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for (LoanRepaymentScheduleInstallment currentInstallment : installments) {
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if (currentInstallment.isNotFullyCompleted() && !transactionProcessed) {
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if (isTransactionInAdvance(installmentIndex, installments, loanTransaction)) {
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handleTransactionInAdvance(installments, loanTransaction, currency);
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transactionProcessed = true;
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} else if (isTransactionLate(installmentIndex, installments, loanTransaction.getTransactionDate())) {
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// does this result in a late payment of existing installment?
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handleLateTransaction(currentInstallment, installments, loanTransaction, currency);
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transactionProcessed = true;
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} else {
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// standard transaction
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Money installmentOverPaymentAmount = handleOnTimeTransaction(currentInstallment, loanTransaction, currency);
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Money loanOverPaymentAmount = handleOverpaymentTransaction(installments, loanTransaction, currency, installmentOverPaymentAmount);
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if (loanOverPaymentAmount.isGreaterThanZero()) {
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onLoanOverpayment(loanTransaction, currency, loanOverPaymentAmount);
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}
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transactionProcessed = true;
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}
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}
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installmentIndex++;
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}
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}
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/**
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* Dont do anything special for late payments e.g. no fees, charges or penalties are applied
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* @param currentInstallment2
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*/
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protected void handleLateTransaction(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction loanTransaction,
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final MonetaryCurrency currency) {
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Money installmentOverPaymentAmount = handleOnTimeTransaction(currentInstallment, loanTransaction, currency);
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Money loanOverPaymentAmount = handleOverpaymentTransaction(installments, loanTransaction, currency, installmentOverPaymentAmount);
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if (loanOverPaymentAmount.isGreaterThanZero()) {
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onLoanOverpayment(loanTransaction, currency, loanOverPaymentAmount);
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}
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}
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/**
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* just process transactions paid in advance the same as you would handle an overpayment.
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*/
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protected void handleTransactionInAdvance(
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List<LoanRepaymentScheduleInstallment> installments,
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LoanTransaction loanTransaction, MonetaryCurrency currency) {
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final Money paymentInAdvance = loanTransaction.getAmount(currency);
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Money loanOverPaymentAmount = handleOverpaymentTransaction(installments, loanTransaction, currency, paymentInAdvance);
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if (loanOverPaymentAmount.isGreaterThanZero()) {
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onLoanOverpayment(loanTransaction, currency, loanOverPaymentAmount);
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}
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}
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/**
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* called when a transaction results in a overpayment of the full loan i.e.
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* transaction amount is greater than the total expected principal +
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* interest of the loan.
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*/
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protected void onLoanOverpayment(@SuppressWarnings("unused") final LoanTransaction loanTransaction, @SuppressWarnings("unused") final MonetaryCurrency currency,
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@SuppressWarnings("unused") final Money loanOverPaymentAmount) {
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}
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/**
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* Handles overpayment scenario by paying of the principal of the next/subsequent installments that are not fully completed.
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*/
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protected Money handleOverpaymentTransaction(
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction loanTransaction, MonetaryCurrency currency,
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final Money overPaymentAmount) {
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Money transactionAmountRemaining = overPaymentAmount;
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Money principalPortion = Money.zero(currency);
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Money interestPortion = Money.zero(currency);
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Money interestWaivedPortion = Money.zero(currency);
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for (LoanRepaymentScheduleInstallment installment : installments) {
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if (installment.isPrincipalNotCompleted(currency) && transactionAmountRemaining.isGreaterThanZero()) {
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principalPortion = installment.payPrincipalComponent(transactionAmountRemaining);
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if (installment.isPrincipalCompleted(currency)) {
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interestWaivedPortion = installment.waiveInterestComponent(installment.getInterest(currency));
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}
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loanTransaction.updateComponents(principalPortion, interestPortion, interestWaivedPortion);
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transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
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}
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// reset portions for next installment
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principalPortion = Money.zero(currency);
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interestPortion = Money.zero(currency);
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interestWaivedPortion = Money.zero(currency);
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}
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return transactionAmountRemaining;
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}
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/**
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*
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*/
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protected Money handleOnTimeTransaction(final LoanRepaymentScheduleInstallment installment, final LoanTransaction loanTransaction, MonetaryCurrency currency) {
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Money transactionAmountRemaining = loanTransaction.getAmount(currency);
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Money interestPortion = installment.payInterestComponent(transactionAmountRemaining);
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transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
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Money principalPortion = installment.payPrincipalComponent(transactionAmountRemaining);
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transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
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Money interestWaivedPortion = Money.zero(transactionAmountRemaining.getCurrency());
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loanTransaction.updateComponents(principalPortion, interestPortion, interestWaivedPortion);
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return transactionAmountRemaining;
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}
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/**
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* Is overpayment if the amount in the transactions is greater than amount due.
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*/
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protected boolean isTransactionOverpayment(final int installmentIndex,
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final List<LoanRepaymentScheduleInstallment> installments,
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final Money transactionAmount) {
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LoanRepaymentScheduleInstallment currentInstallment = installments.get(installmentIndex);
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return transactionAmount.isGreaterThan(currentInstallment.getTotalDue(transactionAmount.getCurrency()));
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}
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/**
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* Is late if the date of the transactions is after that of the installment due date.
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*/
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protected boolean isTransactionLate(final int installmentIndex,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LocalDate transactionDate) {
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LoanRepaymentScheduleInstallment currentInstallment = installments.get(installmentIndex);
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return transactionDate.isAfter(currentInstallment.getDueDate());
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}
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/**
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* is in advance if the transaction date is before or equal to last installment due date (in other words not after last installment date)
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*/
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protected boolean isTransactionInAdvance(final int installmentIndex,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction transaction) {
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boolean isInAdvance = false;
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LocalDate lastInstallmentDueDate = null;
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if (installmentIndex > 0) {
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int previousInstallmentIndex = installmentIndex - 1;
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LoanRepaymentScheduleInstallment previousInstallment = installments.get(previousInstallmentIndex);
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lastInstallmentDueDate = previousInstallment.getDueDate();
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return !transaction.getTransactionDate().isAfter(lastInstallmentDueDate);
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}
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return isInAdvance;
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}
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}
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+130
@@ -0,0 +1,130 @@
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package org.mifosng.platform.loan.domain;
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import java.util.List;
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import org.joda.time.LocalDate;
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import org.mifosng.platform.currency.domain.MonetaryCurrency;
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import org.mifosng.platform.currency.domain.Money;
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/**
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* Heavensfamily style {@link LoanRepaymentScheduleTransactionProcessor}.
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*
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* For standard transactions, pays off components in order of interest, then
|
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* principal.
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*
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* If a transaction results in an advance payment or overpayment for a given
|
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* installment, the over paid amount is pay off on the principal component of
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* subsequent installments.
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*
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* If the entire principal of an installment is paid in advance then the interest component is waived.
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*/
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public class HeavensFamilyLoanRepaymentScheduleTransactionProcessor extends AbstractLoanRepaymentScheduleTransactionProcessor {
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/**
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* For late repayments, pay off in the same way as on-time payments,
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* interest first then principal.
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*/
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@Override
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protected Money handleTransactionThatIsALateRepaymentOfInstallment(
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final LoanRepaymentScheduleInstallment currentInstallment,
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final List<LoanRepaymentScheduleInstallment> installments,
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final LoanTransaction loanTransaction,
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final Money transactionAmountUnprocessed) {
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return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, transactionAmountUnprocessed);
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}
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@Override
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protected boolean isTransactionInAdvanceOfInstallment(
|
||||
final int currentInstallmentIndex,
|
||||
final List<LoanRepaymentScheduleInstallment> installments,
|
||||
final LocalDate transactionDate,
|
||||
final Money transactionAmount) {
|
||||
|
||||
boolean isInAdvance = false;
|
||||
|
||||
LocalDate lastInstallmentDueDate = null;
|
||||
if (currentInstallmentIndex > 0) {
|
||||
int previousInstallmentIndex = currentInstallmentIndex - 1;
|
||||
LoanRepaymentScheduleInstallment previousInstallment = installments.get(previousInstallmentIndex);
|
||||
lastInstallmentDueDate = previousInstallment.getDueDate();
|
||||
|
||||
return !transactionDate.isAfter(lastInstallmentDueDate);
|
||||
}
|
||||
|
||||
return isInAdvance;
|
||||
}
|
||||
|
||||
/**
|
||||
* For early/'in advance' repayments, pays off principal component only.
|
||||
*/
|
||||
@Override
|
||||
protected Money handleTransactionThatIsPaymentInAdvanceOfInstallment(
|
||||
final LoanRepaymentScheduleInstallment currentInstallment,
|
||||
final List<LoanRepaymentScheduleInstallment> installments,
|
||||
final LoanTransaction loanTransaction,
|
||||
final LocalDate transactionDate, final Money paymentInAdvance) {
|
||||
|
||||
Money transactionAmountRemaining = paymentInAdvance;
|
||||
MonetaryCurrency currency = paymentInAdvance.getCurrency();
|
||||
|
||||
// placeholders for tracking the breakdown of components relevant to
|
||||
// this transaction.
|
||||
Money principalPortion = Money.zero(currency);
|
||||
Money interestPortion = Money.zero(currency);
|
||||
Money interestWaivedPortion = Money.zero(currency);
|
||||
|
||||
if (currentInstallment.isPrincipalNotCompleted(currency)) {
|
||||
principalPortion = currentInstallment
|
||||
.payPrincipalComponent(transactionAmountRemaining);
|
||||
if (currentInstallment.isPrincipalCompleted(currency)) {
|
||||
interestWaivedPortion = currentInstallment
|
||||
.waiveInterestComponent(currentInstallment
|
||||
.getInterest(currency));
|
||||
}
|
||||
|
||||
loanTransaction.updateComponents(principalPortion, interestPortion,
|
||||
interestWaivedPortion);
|
||||
|
||||
transactionAmountRemaining = transactionAmountRemaining
|
||||
.minus(principalPortion);
|
||||
}
|
||||
|
||||
return transactionAmountRemaining;
|
||||
}
|
||||
|
||||
/**
|
||||
* For normal on-time repayments, pays off interest first, then principal.
|
||||
*/
|
||||
@Override
|
||||
protected Money handleTransactionThatIsOnTimePaymentOfInstallment(
|
||||
final LoanRepaymentScheduleInstallment currentInstallment,
|
||||
final LoanTransaction loanTransaction,
|
||||
final Money transactionAmountUnprocessed) {
|
||||
|
||||
Money transactionAmountRemaining = transactionAmountUnprocessed;
|
||||
|
||||
Money interestPortion = currentInstallment
|
||||
.payInterestComponent(transactionAmountRemaining);
|
||||
transactionAmountRemaining = transactionAmountRemaining
|
||||
.minus(interestPortion);
|
||||
|
||||
Money principalPortion = currentInstallment
|
||||
.payPrincipalComponent(transactionAmountRemaining);
|
||||
transactionAmountRemaining = transactionAmountRemaining
|
||||
.minus(principalPortion);
|
||||
|
||||
Money interestWaivedPortion = Money.zero(transactionAmountRemaining
|
||||
.getCurrency());
|
||||
loanTransaction.updateComponents(principalPortion, interestPortion,
|
||||
interestWaivedPortion);
|
||||
|
||||
return transactionAmountRemaining;
|
||||
}
|
||||
|
||||
@Override
|
||||
protected void onLoanOverpayment(
|
||||
final LoanTransaction loanTransaction,
|
||||
final Money loanOverPaymentAmount) {
|
||||
}
|
||||
}
|
||||
@@ -132,6 +132,9 @@ public class Loan extends AbstractAuditableCustom<AppUser, Long> {
|
||||
|
||||
@Transient
|
||||
private final InterestRebateCalculatorFactory interestRebateCalculatorFactory = new DailyEquivalentInterestRebateCalculatorFactory();
|
||||
|
||||
@Transient
|
||||
private final LoanRepaymentScheduleTransactionProcessorFactory transactionProcessor = new LoanRepaymentScheduleTransactionProcessorFactory();
|
||||
|
||||
public static Loan createNew(final Fund fund,
|
||||
final LoanProduct loanProduct, final Client client,
|
||||
@@ -441,7 +444,8 @@ public class Loan extends AbstractAuditableCustom<AppUser, Long> {
|
||||
LoanTransactionComparator transactionComparator = new LoanTransactionComparator();
|
||||
Collections.sort(repaymentsOrWaivers, transactionComparator);
|
||||
|
||||
LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = new DefaultLoanRepaymentScheduleTransactionProcessor();
|
||||
|
||||
final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = this.transactionProcessor.determineProcessor();
|
||||
if (isTransactionChronologicallyLatest && !adjusted) {
|
||||
loanRepaymentScheduleTransactionProcessor.handleTransaction(loanTransaction, getCurrency(), this.repaymentScheduleInstallments);
|
||||
} else {
|
||||
|
||||
+24
@@ -0,0 +1,24 @@
|
||||
package org.mifosng.platform.loan.domain;
|
||||
|
||||
import org.mifosng.platform.infrastructure.MifosPlatformTenant;
|
||||
import org.mifosng.platform.infrastructure.ThreadLocalContextUtil;
|
||||
|
||||
/**
|
||||
*
|
||||
*/
|
||||
public class LoanRepaymentScheduleTransactionProcessorFactory {
|
||||
|
||||
public LoanRepaymentScheduleTransactionProcessor determineProcessor() {
|
||||
|
||||
LoanRepaymentScheduleTransactionProcessor processor = new HeavensFamilyLoanRepaymentScheduleTransactionProcessor();
|
||||
|
||||
// FIXME - Just temp way of deciding what 'repayment strategy' to use for now.
|
||||
MifosPlatformTenant tenant = ThreadLocalContextUtil.getTenant();
|
||||
if ("mifostenant-creocore".equalsIgnoreCase(tenant.getSchemaName())) {
|
||||
processor = new CreocoreLoanRepaymentScheduleTransactionProcessor();
|
||||
}
|
||||
|
||||
return processor;
|
||||
}
|
||||
|
||||
}
|
||||
Reference in New Issue
Block a user