/**
* 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/.
*/
package org.mifosplatform.portfolio.loanaccount.domain.transactionprocessor.impl;
import java.util.List;
import org.joda.time.LocalDate;
import org.mifosplatform.organisation.monetary.domain.MonetaryCurrency;
import org.mifosplatform.organisation.monetary.domain.Money;
import org.mifosplatform.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
import org.mifosplatform.portfolio.loanaccount.domain.LoanTransaction;
import org.mifosplatform.portfolio.loanaccount.domain.LoanTransactionToRepaymentScheduleMapping;
import org.mifosplatform.portfolio.loanaccount.domain.transactionprocessor.AbstractLoanRepaymentScheduleTransactionProcessor;
import org.mifosplatform.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
/**
* Heavensfamily style {@link LoanRepaymentScheduleTransactionProcessor}.
*
* For standard transactions, pays off components in order of interest, then
* principal.
*
* If a transaction results in an advance payment or overpayment for a given
* installment, the over paid amount is pay off on the principal component of
* subsequent installments.
*
* If the entire principal of an installment is paid in advance then the
* interest component is waived.
*/
@SuppressWarnings("unused")
public class HeavensFamilyLoanRepaymentScheduleTransactionProcessor extends AbstractLoanRepaymentScheduleTransactionProcessor {
/**
* For late repayments, pay off in the same way as on-time payments,
* interest first then principal.
*/
@Override
protected Money handleTransactionThatIsALateRepaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
final List<LoanRepaymentScheduleInstallment> installments, final LoanTransaction loanTransaction,
final Money transactionAmountUnprocessed, List<LoanTransactionToRepaymentScheduleMapping> transactionMappings) {
return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, transactionAmountUnprocessed,
transactionMappings);
}
@Override
protected boolean isTransactionInAdvanceOfInstallment(final int currentInstallmentIndex,
final List<LoanRepaymentScheduleInstallment> installments, final LocalDate transactionDate, final Money transactionAmount) {
boolean isInAdvance = false;
LocalDate lastInstallmentDueDate = null;
int previousInstallmentIndex = 0;
if (currentInstallmentIndex > 0) {
previousInstallmentIndex = currentInstallmentIndex - 1;
}
final LoanRepaymentScheduleInstallment previousInstallment = installments.get(previousInstallmentIndex);
lastInstallmentDueDate = previousInstallment.getDueDate();
isInAdvance = !(transactionDate.isAfter(lastInstallmentDueDate) || (transactionDate.isEqual(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,
final List<LoanTransactionToRepaymentScheduleMapping> transactionMappings) {
final MonetaryCurrency currency = paymentInAdvance.getCurrency();
Money transactionAmountRemaining = paymentInAdvance;
Money principalPortion = Money.zero(currency);
Money interestPortion = Money.zero(currency);
Money feeChargesPortion = Money.zero(currency);
Money penaltyChargesPortion = Money.zero(currency);
if (loanTransaction.isInterestWaiver()) {
interestPortion = currentInstallment.waiveInterestComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
} else if (loanTransaction.isChargePayment()) {
if (loanTransaction.isPenaltyPayment()) {
penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
} else {
feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
}
} else {
if (currentInstallment.isPrincipalNotCompleted(currency)) {
principalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountRemaining);
if (currentInstallment.isPrincipalCompleted(currency)) {
// FIXME - KW - if auto waiving interest need to create
// another transaction to handle this.
currentInstallment.waiveInterestComponent(transactionDate, currentInstallment.getInterestCharged(currency));
}
loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
}
// 1. pay of principal with over payment.
principalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
interestPortion = currentInstallment.payInterestComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
}
loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
if (principalPortion.plus(interestPortion).plus(feeChargesPortion).plus(penaltyChargesPortion).isGreaterThanZero()) {
transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(currentInstallment, principalPortion,
interestPortion, feeChargesPortion, penaltyChargesPortion));
}
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,
List<LoanTransactionToRepaymentScheduleMapping> transactionMappings) {
final LocalDate transactionDate = loanTransaction.getTransactionDate();
final MonetaryCurrency currency = transactionAmountUnprocessed.getCurrency();
Money transactionAmountRemaining = transactionAmountUnprocessed;
Money principalPortion = Money.zero(transactionAmountRemaining.getCurrency());
Money interestPortion = Money.zero(transactionAmountRemaining.getCurrency());
Money feeChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
Money penaltyChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
if (loanTransaction.isChargesWaiver()) {
penaltyChargesPortion = currentInstallment.waivePenaltyChargesComponent(transactionDate,
loanTransaction.getPenaltyChargesPortion(currency));
transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
feeChargesPortion = currentInstallment
.waiveFeeChargesComponent(transactionDate, loanTransaction.getFeeChargesPortion(currency));
transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
} else if (loanTransaction.isInterestWaiver()) {
interestPortion = currentInstallment.waiveInterestComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
} else if (loanTransaction.isChargePayment()) {
if (loanTransaction.isPenaltyPayment()) {
penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
} else {
feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
}
} else {
// 1. pay of principal before interest.
principalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
interestPortion = currentInstallment.payInterestComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
}
loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
if (principalPortion.plus(interestPortion).plus(feeChargesPortion).plus(penaltyChargesPortion).isGreaterThanZero()) {
transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(currentInstallment, principalPortion,
interestPortion, feeChargesPortion, penaltyChargesPortion));
}
return transactionAmountRemaining;
}
@Override
protected void onLoanOverpayment(final LoanTransaction loanTransaction, final Money loanOverPaymentAmount) {}
@Override
protected Money handleRefundTransactionPaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
final LoanTransaction loanTransaction, final Money transactionAmountUnprocessed,
List<LoanTransactionToRepaymentScheduleMapping> transactionMappings) {
final LocalDate transactionDate = loanTransaction.getTransactionDate();
final MonetaryCurrency currency = transactionAmountUnprocessed.getCurrency();
Money transactionAmountRemaining = transactionAmountUnprocessed;
Money principalPortion = Money.zero(transactionAmountRemaining.getCurrency());
Money interestPortion = Money.zero(transactionAmountRemaining.getCurrency());
Money feeChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
Money penaltyChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
if (transactionAmountRemaining.isGreaterThanZero()) {
penaltyChargesPortion = currentInstallment.unpayPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
}
if (transactionAmountRemaining.isGreaterThanZero()) {
feeChargesPortion = currentInstallment.unpayFeeChargesComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
}
if (transactionAmountRemaining.isGreaterThanZero()) {
interestPortion = currentInstallment.unpayInterestComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
}
if (transactionAmountRemaining.isGreaterThanZero()) {
principalPortion = currentInstallment.unpayPrincipalComponent(transactionDate, transactionAmountRemaining);
transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
}
loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
if (principalPortion.plus(interestPortion).plus(feeChargesPortion).plus(penaltyChargesPortion).isGreaterThanZero()) {
transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(currentInstallment, principalPortion,
interestPortion, feeChargesPortion, penaltyChargesPortion));
}
return transactionAmountRemaining;
}
}