/**
* 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.guarantor.service;
import java.math.BigDecimal;
import java.math.RoundingMode;
import java.util.ArrayList;
import java.util.Arrays;
import java.util.HashMap;
import java.util.List;
import java.util.Locale;
import java.util.Map;
import javax.annotation.PostConstruct;
import org.joda.time.LocalDate;
import org.joda.time.format.DateTimeFormatter;
import org.mifosplatform.infrastructure.core.data.ApiParameterError;
import org.mifosplatform.infrastructure.core.data.DataValidatorBuilder;
import org.mifosplatform.infrastructure.core.exception.PlatformApiDataValidationException;
import org.mifosplatform.organisation.monetary.domain.MoneyHelper;
import org.mifosplatform.portfolio.account.PortfolioAccountType;
import org.mifosplatform.portfolio.account.data.AccountTransferDTO;
import org.mifosplatform.portfolio.account.domain.AccountTransferDetails;
import org.mifosplatform.portfolio.account.domain.AccountTransferType;
import org.mifosplatform.portfolio.account.service.AccountTransfersWritePlatformService;
import org.mifosplatform.portfolio.common.BusinessEventNotificationConstants.BUSINESS_ENTITY;
import org.mifosplatform.portfolio.common.BusinessEventNotificationConstants.BUSINESS_EVENTS;
import org.mifosplatform.portfolio.common.service.BusinessEventListner;
import org.mifosplatform.portfolio.common.service.BusinessEventNotifierService;
import org.mifosplatform.portfolio.loanaccount.domain.Loan;
import org.mifosplatform.portfolio.loanaccount.domain.LoanTransaction;
import org.mifosplatform.portfolio.loanaccount.guarantor.GuarantorConstants;
import org.mifosplatform.portfolio.loanaccount.guarantor.domain.Guarantor;
import org.mifosplatform.portfolio.loanaccount.guarantor.domain.GuarantorFundingDetails;
import org.mifosplatform.portfolio.loanaccount.guarantor.domain.GuarantorFundingRepository;
import org.mifosplatform.portfolio.loanaccount.guarantor.domain.GuarantorFundingTransaction;
import org.mifosplatform.portfolio.loanaccount.guarantor.domain.GuarantorFundingTransactionRepository;
import org.mifosplatform.portfolio.loanaccount.guarantor.domain.GuarantorRepository;
import org.mifosplatform.portfolio.loanproduct.domain.LoanProduct;
import org.mifosplatform.portfolio.loanproduct.domain.LoanProductGuaranteeDetails;
import org.mifosplatform.portfolio.paymentdetail.domain.PaymentDetail;
import org.mifosplatform.portfolio.savings.domain.DepositAccountOnHoldTransaction;
import org.mifosplatform.portfolio.savings.domain.DepositAccountOnHoldTransactionRepository;
import org.mifosplatform.portfolio.savings.domain.SavingsAccount;
import org.mifosplatform.portfolio.savings.exception.InsufficientAccountBalanceException;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Service;
@Service
public class GuarantorDomainServiceImpl implements GuarantorDomainService {
private final GuarantorRepository guarantorRepository;
private final GuarantorFundingRepository guarantorFundingRepository;
private final GuarantorFundingTransactionRepository guarantorFundingTransactionRepository;
private final AccountTransfersWritePlatformService accountTransfersWritePlatformService;
private final BusinessEventNotifierService businessEventNotifierService;
private final DepositAccountOnHoldTransactionRepository depositAccountOnHoldTransactionRepository;
private final Map<Long, Long> releaseLoanIds = new HashMap<>(2);
@Autowired
public GuarantorDomainServiceImpl(final GuarantorRepository guarantorRepository,
final GuarantorFundingRepository guarantorFundingRepository,
final GuarantorFundingTransactionRepository guarantorFundingTransactionRepository,
final AccountTransfersWritePlatformService accountTransfersWritePlatformService,
final BusinessEventNotifierService businessEventNotifierService,
final DepositAccountOnHoldTransactionRepository depositAccountOnHoldTransactionRepository) {
this.guarantorRepository = guarantorRepository;
this.guarantorFundingRepository = guarantorFundingRepository;
this.guarantorFundingTransactionRepository = guarantorFundingTransactionRepository;
this.accountTransfersWritePlatformService = accountTransfersWritePlatformService;
this.businessEventNotifierService = businessEventNotifierService;
this.depositAccountOnHoldTransactionRepository = depositAccountOnHoldTransactionRepository;
}
@PostConstruct
public void addListners() {
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_APPROVED, new ValidateOnBusinessEvent());
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_APPROVED, new HoldFundsOnBusinessEvent());
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_UNDO_APPROVAL, new UndoAllFundTransactions());
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_UNDO_DISBURSAL,
new ReverseAllFundsOnBusinessEvent());
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_ADJUST_TRANSACTION,
new AdjustFundsOnBusinessEvent());
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_MAKE_REPAYMENT,
new ReleaseFundsOnBusinessEvent());
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_WRITTEN_OFF, new ReleaseAllFunds());
this.businessEventNotifierService.addBusinessEventPostListners(BUSINESS_EVENTS.LOAN_UNDO_WRITTEN_OFF,
new ReverseFundsOnBusinessEvent());
}
@Override
public void validateGuarantorBusinessRules(Loan loan) {
LoanProduct loanProduct = loan.loanProduct();
BigDecimal principal = loan.getPrincpal().getAmount();
if (loanProduct.isHoldGuaranteeFundsEnabled()) {
LoanProductGuaranteeDetails guaranteeData = loanProduct.getLoanProductGuaranteeDetails();
final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan);
BigDecimal mandatoryAmount = principal.multiply(guaranteeData.getMandatoryGuarantee()).divide(BigDecimal.valueOf(100));
BigDecimal minSelfAmount = principal.multiply(guaranteeData.getMinimumGuaranteeFromOwnFunds()).divide(BigDecimal.valueOf(100));
BigDecimal minExtGuarantee = principal.multiply(guaranteeData.getMinimumGuaranteeFromGuarantor())
.divide(BigDecimal.valueOf(100));
BigDecimal actualAmount = BigDecimal.ZERO;
BigDecimal actualSelfAmount = BigDecimal.ZERO;
BigDecimal actualExtGuarantee = BigDecimal.ZERO;
for (Guarantor guarantor : existGuarantorList) {
List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails();
for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) {
if (guarantorFundingDetails.getStatus().isActive() || guarantorFundingDetails.getStatus().isWithdrawn()
|| guarantorFundingDetails.getStatus().isCompleted()) {
if (guarantor.isSelfGuarantee()) {
actualSelfAmount = actualSelfAmount.add(guarantorFundingDetails.getAmount())
.subtract(guarantorFundingDetails.getAmountTransfered());
} else {
actualExtGuarantee = actualExtGuarantee.add(guarantorFundingDetails.getAmount())
.subtract(guarantorFundingDetails.getAmountTransfered());
}
}
}
}
final List<ApiParameterError> dataValidationErrors = new ArrayList<>();
final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor");
if (actualSelfAmount.compareTo(minSelfAmount) == -1) {
baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_SELF_GUARANTEE_ERROR,
minSelfAmount);
}
if (actualExtGuarantee.compareTo(minExtGuarantee) == -1) {
baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_EXTERNAL_GUARANTEE_ERROR,
minExtGuarantee);
}
actualAmount = actualAmount.add(actualExtGuarantee).add(actualSelfAmount);
if (actualAmount.compareTo(mandatoryAmount) == -1) {
baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_MANDATORY_GUARANTEE_ERROR,
mandatoryAmount);
}
if (!dataValidationErrors.isEmpty()) { throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist",
"Validation errors exist.", dataValidationErrors); }
}
}
/**
* Method assigns a guarantor to loan and blocks the funds on guarantor's
* account
*/
@Override
public void assignGuarantor(final GuarantorFundingDetails guarantorFundingDetails, final LocalDate transactionDate) {
if (guarantorFundingDetails.getStatus().isActive()) {
SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount();
savingsAccount.holdFunds(guarantorFundingDetails.getAmount());
if (savingsAccount.getWithdrawableBalance().compareTo(BigDecimal.ZERO) == -1) {
final List<ApiParameterError> dataValidationErrors = new ArrayList<>();
final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor");
baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_INSUFFICIENT_BALANCE_ERROR,
savingsAccount.getId());
throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.",
dataValidationErrors);
}
DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.hold(savingsAccount,
guarantorFundingDetails.getAmount(), transactionDate);
GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails, null,
onHoldTransaction);
guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction);
this.depositAccountOnHoldTransactionRepository.save(onHoldTransaction);
}
}
/**
* Method releases(withdraw) a guarantor from loan and unblocks the funds on
* guarantor's account
*/
@Override
public void releaseGuarantor(final GuarantorFundingDetails guarantorFundingDetails, final LocalDate transactionDate) {
BigDecimal amoutForWithdraw = guarantorFundingDetails.getAmountRemaining();
if (amoutForWithdraw.compareTo(BigDecimal.ZERO) == 1 && (guarantorFundingDetails.getStatus().isActive())) {
SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount();
savingsAccount.releaseFunds(amoutForWithdraw);
DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.release(savingsAccount, amoutForWithdraw,
transactionDate);
GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails, null,
onHoldTransaction);
guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction);
guarantorFundingDetails.releaseFunds(amoutForWithdraw);
guarantorFundingDetails.withdrawFunds(amoutForWithdraw);
guarantorFundingDetails.getLoanAccount().updateGuaranteeAmount(amoutForWithdraw.negate());
this.depositAccountOnHoldTransactionRepository.save(onHoldTransaction);
this.guarantorFundingRepository.save(guarantorFundingDetails);
}
}
/**
* Method is to recover funds from guarantor's in case loan is unpaid.
* (Transfers guarantee amount from guarantor's account to loan account and
* releases guarantor)
*/
@Override
public void transaferFundsFromGuarantor(final Loan loan) {
if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) != 1) { return; }
final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan);
final boolean isRegularTransaction = true;
final boolean isExceptionForBalanceCheck = true;
LocalDate transactionDate = LocalDate.now();
PortfolioAccountType fromAccountType = PortfolioAccountType.SAVINGS;
PortfolioAccountType toAccountType = PortfolioAccountType.LOAN;
final Long toAccountId = loan.getId();
final String description = "Payment from guarantor savings";
final Locale locale = null;
final DateTimeFormatter fmt = null;
final PaymentDetail paymentDetail = null;
final Integer fromTransferType = null;
final Integer toTransferType = null;
final Long chargeId = null;
final Integer loanInstallmentNumber = null;
final Integer transferType = AccountTransferType.LOAN_REPAYMENT.getValue();
final AccountTransferDetails accountTransferDetails = null;
final String noteText = null;
final String txnExternalId = null;
final SavingsAccount toSavingsAccount = null;
Long loanId = loan.getId();
for (Guarantor guarantor : existGuarantorList) {
final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails();
for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) {
if (guarantorFundingDetails.getStatus().isActive()) {
final SavingsAccount fromSavingsAccount = guarantorFundingDetails.getLinkedSavingsAccount();
final Long fromAccountId = fromSavingsAccount.getId();
releaseLoanIds.put(loanId, guarantorFundingDetails.getId());
try {
BigDecimal remainingAmount = guarantorFundingDetails.getAmountRemaining();
if (loan.getGuaranteeAmount().compareTo(loan.getPrincpal().getAmount()) == 1) {
remainingAmount = remainingAmount.multiply(loan.getPrincpal().getAmount()).divide(loan.getGuaranteeAmount(),
MoneyHelper.getRoundingMode());
}
AccountTransferDTO accountTransferDTO = new AccountTransferDTO(transactionDate, remainingAmount, fromAccountType,
toAccountType, fromAccountId, toAccountId, description, locale, fmt, paymentDetail, fromTransferType,
toTransferType, chargeId, loanInstallmentNumber, transferType, accountTransferDetails, noteText,
txnExternalId, loan, toSavingsAccount, fromSavingsAccount, isRegularTransaction,
isExceptionForBalanceCheck);
transferAmount(accountTransferDTO);
} finally {
releaseLoanIds.remove(loanId);
}
}
}
}
}
/**
* @param accountTransferDTO
*/
private void transferAmount(final AccountTransferDTO accountTransferDTO) {
try {
this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO);
} catch (final InsufficientAccountBalanceException e) {
final List<ApiParameterError> dataValidationErrors = new ArrayList<>();
final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor");
baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_INSUFFICIENT_BALANCE_ERROR,
accountTransferDTO.getFromAccountId(), accountTransferDTO.getToAccountId());
throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.",
dataValidationErrors);
}
}
/**
* Method reverses all blocked fund(both hold and release) transactions.
* example: reverses all transactions on undo approval of loan account.
*
*/
private void reverseAllFundTransaction(final Loan loan) {
if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) == 1) {
final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan);
List<GuarantorFundingDetails> guarantorFundingDetailList = new ArrayList<>();
for (Guarantor guarantor : existGuarantorList) {
final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails();
for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) {
guarantorFundingDetails.undoAllTransactions();
guarantorFundingDetailList.add(guarantorFundingDetails);
}
}
if (!guarantorFundingDetailList.isEmpty()) {
loan.setGuaranteeAmount(null);
this.guarantorFundingRepository.save(guarantorFundingDetailList);
}
}
}
/**
* Method holds all guarantor's guarantee amount for a loan account.
* example: hold funds on approval of loan account.
*
*/
private void holdGuarantorFunds(final Loan loan) {
if (loan.loanProduct().isHoldGuaranteeFundsEnabled()) {
final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan);
List<GuarantorFundingDetails> guarantorFundingDetailList = new ArrayList<>();
List<DepositAccountOnHoldTransaction> onHoldTransactions = new ArrayList<>();
BigDecimal totalGuarantee = BigDecimal.ZERO;
List<Long> insufficientBalanceIds = new ArrayList<>();
for (Guarantor guarantor : existGuarantorList) {
final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails();
for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) {
if (guarantorFundingDetails.getStatus().isActive()) {
SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount();
savingsAccount.holdFunds(guarantorFundingDetails.getAmount());
totalGuarantee = totalGuarantee.add(guarantorFundingDetails.getAmount());
DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.hold(savingsAccount,
guarantorFundingDetails.getAmount(), loan.getApprovedOnDate());
onHoldTransactions.add(onHoldTransaction);
GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails,
null, onHoldTransaction);
guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction);
guarantorFundingDetailList.add(guarantorFundingDetails);
if (savingsAccount.getWithdrawableBalance().compareTo(BigDecimal.ZERO) == -1) {
insufficientBalanceIds.add(savingsAccount.getId());
}
}
}
}
if (!insufficientBalanceIds.isEmpty()) {
final List<ApiParameterError> dataValidationErrors = new ArrayList<>();
final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor");
baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_INSUFFICIENT_BALANCE_ERROR,
insufficientBalanceIds);
throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.",
dataValidationErrors);
}
loan.setGuaranteeAmount(totalGuarantee);
if (!guarantorFundingDetailList.isEmpty()) {
this.depositAccountOnHoldTransactionRepository.save(onHoldTransactions);
this.guarantorFundingRepository.save(guarantorFundingDetailList);
}
}
}
/**
* Method releases all guarantor's guarantee amount(first external guarantee
* and then self guarantee) for a loan account in the portion of guarantee
* percentage on a paid principal. example: releases funds on repayments of
* loan account.
*
*/
private void releaseGuarantorFunds(final LoanTransaction loanTransaction) {
final Loan loan = loanTransaction.getLoan();
if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) == 1) {
final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan);
List<GuarantorFundingDetails> externalGuarantorList = new ArrayList<>();
List<GuarantorFundingDetails> selfGuarantorList = new ArrayList<>();
BigDecimal selfGuarantee = BigDecimal.ZERO;
BigDecimal guarantorGuarantee = BigDecimal.ZERO;
for (Guarantor guarantor : existGuarantorList) {
final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails();
for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) {
if (guarantorFundingDetails.getStatus().isActive()) {
if (guarantor.isSelfGuarantee()) {
selfGuarantorList.add(guarantorFundingDetails);
selfGuarantee = selfGuarantee.add(guarantorFundingDetails.getAmountRemaining());
} else if (guarantor.isExistingCustomer()) {
externalGuarantorList.add(guarantorFundingDetails);
guarantorGuarantee = guarantorGuarantee.add(guarantorFundingDetails.getAmountRemaining());
}
}
}
}
BigDecimal amountForRelease = loanTransaction.getPrincipalPortion();
BigDecimal totalGuaranteeAmount = loan.getGuaranteeAmount();
BigDecimal principal = loan.getPrincpal().getAmount();
if ((amountForRelease != null) && (totalGuaranteeAmount != null)) {
amountForRelease = amountForRelease.multiply(totalGuaranteeAmount).divide(principal, MoneyHelper.getRoundingMode());
List<DepositAccountOnHoldTransaction> accountOnHoldTransactions = new ArrayList<>();
BigDecimal amountLeft = calculateAndRelaseGuarantorFunds(externalGuarantorList, guarantorGuarantee, amountForRelease,
loanTransaction, accountOnHoldTransactions);
if (amountLeft.compareTo(BigDecimal.ZERO) == 1) {
calculateAndRelaseGuarantorFunds(selfGuarantorList, selfGuarantee, amountLeft, loanTransaction,
accountOnHoldTransactions);
externalGuarantorList.addAll(selfGuarantorList);
}
if (!externalGuarantorList.isEmpty()) {
this.depositAccountOnHoldTransactionRepository.save(accountOnHoldTransactions);
this.guarantorFundingRepository.save(externalGuarantorList);
}
}
}
}
/**
* Method releases all guarantor's guarantee amount. example: releases funds
* on write-off of a loan account.
*
*/
private void releaseAllGuarantors(final LoanTransaction loanTransaction) {
Loan loan = loanTransaction.getLoan();
if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) == 1) {
final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan);
List<GuarantorFundingDetails> saveGuarantorFundingDetails = new ArrayList<>();
List<DepositAccountOnHoldTransaction> onHoldTransactions = new ArrayList<>();
for (Guarantor guarantor : existGuarantorList) {
final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails();
for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) {
BigDecimal amoutForRelease = guarantorFundingDetails.getAmountRemaining();
if (amoutForRelease.compareTo(BigDecimal.ZERO) == 1 && (guarantorFundingDetails.getStatus().isActive())) {
SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount();
savingsAccount.releaseFunds(amoutForRelease);
DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.release(savingsAccount,
amoutForRelease, loanTransaction.getTransactionDate());
onHoldTransactions.add(onHoldTransaction);
GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails,
loanTransaction, onHoldTransaction);
guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction);
guarantorFundingDetails.releaseFunds(amoutForRelease);
saveGuarantorFundingDetails.add(guarantorFundingDetails);
}
}
}
if (!saveGuarantorFundingDetails.isEmpty()) {
this.depositAccountOnHoldTransactionRepository.save(onHoldTransactions);
this.guarantorFundingRepository.save(saveGuarantorFundingDetails);
}
}
}
/**
* Method releases guarantor's guarantee amount on transferring guarantee
* amount to loan account. example: on recovery of guarantee funds from
* guarantor's.
*/
private void completeGuarantorFund(final LoanTransaction loanTransaction) {
Loan loan = loanTransaction.getLoan();
GuarantorFundingDetails guarantorFundingDetails = this.guarantorFundingRepository.findOne(releaseLoanIds.get(loan.getId()));
if (guarantorFundingDetails != null) {
BigDecimal amountForRelease = loanTransaction.getAmount(loan.getCurrency()).getAmount();
BigDecimal guarantorGuarantee = amountForRelease;
List<GuarantorFundingDetails> guarantorList = Arrays.asList(guarantorFundingDetails);
final List<DepositAccountOnHoldTransaction> accountOnHoldTransactions = new ArrayList<>();
calculateAndRelaseGuarantorFunds(guarantorList, guarantorGuarantee, amountForRelease, loanTransaction,
accountOnHoldTransactions);
this.depositAccountOnHoldTransactionRepository.save(accountOnHoldTransactions);
this.guarantorFundingRepository.save(guarantorFundingDetails);
}
}
private BigDecimal calculateAndRelaseGuarantorFunds(List<GuarantorFundingDetails> guarantorList, BigDecimal totalGuaranteeAmount,
BigDecimal amountForRelease, LoanTransaction loanTransaction,
final List<DepositAccountOnHoldTransaction> accountOnHoldTransactions) {
BigDecimal amountLeft = amountForRelease;
for (GuarantorFundingDetails fundingDetails : guarantorList) {
BigDecimal guarantorAmount = amountForRelease.multiply(fundingDetails.getAmountRemaining()).divide(totalGuaranteeAmount,
MoneyHelper.getRoundingMode());
if (fundingDetails.getAmountRemaining().compareTo(guarantorAmount) < 1) {
guarantorAmount = fundingDetails.getAmountRemaining();
}
fundingDetails.releaseFunds(guarantorAmount);
SavingsAccount savingsAccount = fundingDetails.getLinkedSavingsAccount();
savingsAccount.releaseFunds(guarantorAmount);
DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.release(savingsAccount, guarantorAmount,
loanTransaction.getTransactionDate());
accountOnHoldTransactions.add(onHoldTransaction);
GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(fundingDetails, loanTransaction,
onHoldTransaction);
fundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction);
amountLeft = amountLeft.subtract(guarantorAmount);
}
return amountLeft;
}
/**
* Method reverses the fund release transactions in case of loan transaction
* reversed
*/
private void reverseTransaction(final List<Long> loanTransactionIds) {
List<GuarantorFundingTransaction> fundingTransactions = this.guarantorFundingTransactionRepository
.fetchGuarantorFundingTransactions(loanTransactionIds);
for (GuarantorFundingTransaction fundingTransaction : fundingTransactions) {
fundingTransaction.reverseTransaction();
}
if (!fundingTransactions.isEmpty()) {
this.guarantorFundingTransactionRepository.save(fundingTransactions);
}
}
private class ValidateOnBusinessEvent implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN);
if (entity instanceof Loan) {
Loan loan = (Loan) entity;
validateGuarantorBusinessRules(loan);
}
}
}
private class HoldFundsOnBusinessEvent implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN);
if (entity instanceof Loan) {
Loan loan = (Loan) entity;
holdGuarantorFunds(loan);
}
}
}
private class ReleaseFundsOnBusinessEvent implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN_TRANSACTION);
if (entity instanceof LoanTransaction) {
LoanTransaction loanTransaction = (LoanTransaction) entity;
if (releaseLoanIds.containsKey(loanTransaction.getLoan().getId())) {
completeGuarantorFund(loanTransaction);
} else {
releaseGuarantorFunds(loanTransaction);
}
}
}
}
private class ReverseFundsOnBusinessEvent implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN_TRANSACTION);
if (entity instanceof LoanTransaction) {
LoanTransaction loanTransaction = (LoanTransaction) entity;
List<Long> reersedTransactions = new ArrayList<>(1);
reersedTransactions.add(loanTransaction.getId());
reverseTransaction(reersedTransactions);
}
}
}
private class AdjustFundsOnBusinessEvent implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN_ADJUSTED_TRANSACTION);
if (entity instanceof LoanTransaction) {
LoanTransaction loanTransaction = (LoanTransaction) entity;
List<Long> reersedTransactions = new ArrayList<>(1);
reersedTransactions.add(loanTransaction.getId());
reverseTransaction(reersedTransactions);
}
Object transactionentity = businessEventEntity.get(BUSINESS_ENTITY.LOAN_TRANSACTION);
if (transactionentity != null && transactionentity instanceof LoanTransaction) {
LoanTransaction loanTransaction = (LoanTransaction) transactionentity;
releaseGuarantorFunds(loanTransaction);
}
}
}
private class ReverseAllFundsOnBusinessEvent implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN);
if (entity instanceof Loan) {
Loan loan = (Loan) entity;
List<Long> reersedTransactions = new ArrayList<>(1);
reersedTransactions.addAll(loan.findExistingTransactionIds());
reverseTransaction(reersedTransactions);
}
}
}
private class UndoAllFundTransactions implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN);
if (entity instanceof Loan) {
Loan loan = (Loan) entity;
reverseAllFundTransaction(loan);
}
}
}
private class ReleaseAllFunds implements BusinessEventListner {
@Override
public void businessEventToBeExecuted(@SuppressWarnings("unused") Map<BUSINESS_ENTITY, Object> businessEventEntity) {}
@Override
public void businessEventWasExecuted(Map<BUSINESS_ENTITY, Object> businessEventEntity) {
Object entity = businessEventEntity.get(BUSINESS_ENTITY.LOAN_TRANSACTION);
if (entity instanceof LoanTransaction) {
LoanTransaction loanTransaction = (LoanTransaction) entity;
releaseAllGuarantors(loanTransaction);
}
}
}
}