cbsnexora/src/app/deposits/party-master/premature-close-dialog/premature-close-dialog.component.html

<!--
  Copyright since 2025 Mifos Initiative

  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/.
-->

<h2 mat-dialog-title>Close {{ data.partyCode }} early</h2>

<mat-dialog-content>
  @if (loading) {
    <mat-progress-bar mode="indeterminate"></mat-progress-bar>
  }

  <!--
    The account as it stands, so the clerk is choosing against real figures rather than from memory.
    The term still to run is the whole reason there is a charge at all.
  -->
  <div class="pcd-summary">
    <div class="pcd-row">
      <span>Customer</span>
      <strong>{{ data.partyName }}</strong>
    </div>
    <div class="pcd-row">
      <span>Balance</span>
      <strong class="pcd-amount">{{ data.currentBalance | number: '1.2-2' }}</strong>
    </div>
    <div class="pcd-row">
      <span>Matures on</span>
      <strong>{{ data.maturityDate | dateFormat }}</strong>
    </div>
    <div class="pcd-row">
      <span>Scheme rate</span>
      <strong>{{ data.interestRate | number: '1.0-2' }}%</strong>
    </div>
  </div>

  <h4 class="pcd-question">Who bears the cost of closing early?</h4>

  <mat-radio-group class="pcd-choices" [(ngModel)]="borneBy">
    <label class="pcd-choice" [class.pcd-choice--on]="borneBy === 'CUSTOMER'">
      <mat-radio-button value="CUSTOMER"></mat-radio-button>
      <div class="pcd-choice-body">
        <div class="pcd-choice-title">Customer</div>
        @if (scheme) {
          <div class="pcd-choice-detail">
            Interest recalculated at
            <strong>{{ reducedRate | number: '1.0-2' }}%</strong>
            instead of {{ data.interestRate | number: '1.0-2' }}% for the whole period, and the difference taken back
            before the balance is paid out.
          </div>
        } @else {
          <div class="pcd-choice-detail">Their interest is recalculated at the scheme's reduced rate.</div>
        }
      </div>
    </label>

    <label class="pcd-choice" [class.pcd-choice--on]="borneBy === 'AGENT'">
      <mat-radio-button value="AGENT"></mat-radio-button>
      <div class="pcd-choice-body">
        <div class="pcd-choice-title">Agent — {{ data.agentCode }}</div>
        <div class="pcd-choice-detail">
          The customer keeps a full month's interest, and the agent funds the days left in this month. The balance is
          paid out in full.
        </div>
      </div>
    </label>
  </mat-radio-group>

  <!--
    Stated rather than offered as a third option: the agent is charged whichever answer is picked, and
    a clerk who did not know that would be surprised by it afterwards.
  -->
  @if (scheme && scheme.prematureAgentCommissionPenalty > 0) {
    <p class="pcd-note">
      Either way, {{ data.agentCode }} is charged
      <strong>{{ scheme.prematureAgentCommissionPenalty | number: '1.0-2' }}%</strong>
      of the commission owed to them — the round was not kept going.
    </p>
  }

  <h4 class="pcd-question">Where should the balance go?</h4>

  <mat-radio-group class="pcd-destinations" [(ngModel)]="destination">
    <mat-radio-button value="own" [disabled]="ownAccounts.length === 0">
      Into another account of theirs at this bank
    </mat-radio-button>
    <mat-radio-button value="other">Park in Sundry (no account here)</mat-radio-button>
  </mat-radio-group>

  @if (destination === 'own' && ownAccounts.length > 0) {
    <mat-form-field appearance="outline" class="pcd-field">
      <mat-label>Credit to account</mat-label>
      <mat-select [(ngModel)]="selectedAccountNo">
        @for (account of ownAccounts; track account.accountNo) {
          <mat-option [value]="account.accountNo"> {{ account.accountNo }} — {{ account.productName }} </mat-option>
        }
      </mat-select>
    </mat-form-field>
  }

  @if (destination === 'other') {
    <mat-form-field appearance="outline" class="pcd-field">
      <mat-label>Park in GL account</mat-label>
      <input
        matInput
        [ngModel]="sundrySearch"
        (ngModelChange)="onSundryTyped($event)"
        [matAutocomplete]="sundryAuto"
        placeholder="Type GL code or name…"
        autocomplete="off"
      />
      <mat-autocomplete
        #sundryAuto="matAutocomplete"
        panelWidth="min(28rem, 90vw)"
        [displayWith]="sundryDisplay"
        (optionSelected)="pickSundry($event.option.value)"
      >
        @for (account of sundryOptions; track account.id) {
          <mat-option [value]="account">{{ account.glCode }} · {{ account.name }}</mat-option>
        }
        @if (sundryOptions.length === 0) {
          <mat-option disabled>No liability GL matches</mat-option>
        }
      </mat-autocomplete>
      @if (!sundryGlAccountId) {
        <mat-hint class="po-hint-warn">Search and pick your bank's Sundry GL account</mat-hint>
      } @else {
        <mat-hint>The balance is held here in the customer's name until it is paid to them</mat-hint>
      }
    </mat-form-field>
  }

  @if (ownAccounts.length === 0 && !loading) {
    <p class="pcd-note">
      This customer has no other account here, so the balance is parked in the Sundry account chosen above, in their
      name until it is paid to them.
    </p>
  }

  <!--
    Inside the lock-in the scheme does not allow closing early, so this is asked for rather than done:
    the reason goes to a manager, who approves this one account. The scheme's lock-in stays as it is.
  -->
  @if (withinLockin) {
    <div class="pcd-lockin">
      <p class="pcd-lockin-title">Within lock-in until {{ closableFrom | dateFormat }}</p>
      <p class="pcd-note">
        {{ data.partyCode }} opened on {{ data.openingDate | dateFormat }} and the scheme locks it in for
        {{ scheme?.prematureLockinMonths }} months. It can be closed early only if a manager approves it.
      </p>
      <mat-form-field appearance="outline" class="pcd-field">
        <mat-label>Reason for closing within lock-in</mat-label>
        <textarea matInput rows="2" maxlength="250" required [(ngModel)]="lockinReason"></textarea>
        <mat-hint align="end">{{ lockinReason.length }}/250</mat-hint>
      </mat-form-field>
    </div>
  }

  <p class="pcd-warn">
    @if (withinLockin) {
      Once approved, this closes the account. It cannot be reopened.
    } @else {
      This closes the account. It cannot be reopened.
    }
  </p>
</mat-dialog-content>

<mat-dialog-actions align="end">
  <button mat-button mat-dialog-close type="button">Cancel</button>
  <button mat-raised-button color="warn" type="button" [disabled]="!canClose" (click)="close()">
    {{ withinLockin ? 'Send for Approval' : 'Close Account' }}
  </button>
</mat-dialog-actions>