PrincipalInterestPenaltyFeesOrderLoanRepaymentScheduleTransactionProcessor.java

/**
 * 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;

/**
 * This {@link LoanRepaymentScheduleTransactionProcessor} defaults to having the
 * payment order of principal first, then interest, penalties and fees.
 */
public class PrincipalInterestPenaltyFeesOrderLoanRepaymentScheduleTransactionProcessor extends
        AbstractLoanRepaymentScheduleTransactionProcessor {

    /**
     * For early/'in advance' repayments, pay off in the same way as on-time
     * payments, interest first, principal, penalties and charges.
     */
    @SuppressWarnings("unused")
    @Override
    protected Money handleTransactionThatIsPaymentInAdvanceOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
            final List<LoanRepaymentScheduleInstallment> installments, final LoanTransaction loanTransaction,
            final LocalDate transactionDate, final Money paymentInAdvance,
            List<LoanTransactionToRepaymentScheduleMapping> transactionMappings) {

        return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, paymentInAdvance, transactionMappings);
    }

    /**
     * For late repayments, pay off in the same way as on-time payments,
     * interest first then principal.
     */
    @SuppressWarnings("unused")
    @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);
    }

    /**
     * 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);
            }
            loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
        } else {
            principalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountRemaining);
            transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);

            interestPortion = currentInstallment.payInterestComponent(transactionDate, transactionAmountRemaining);
            transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);

            penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);

            feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);

            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 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()) {
            feeChargesPortion = currentInstallment.unpayFeeChargesComponent(transactionDate, transactionAmountRemaining);
            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
        }

        if (transactionAmountRemaining.isGreaterThanZero()) {
            penaltyChargesPortion = currentInstallment.unpayPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
        }

        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;
    }

}