monorepo/LCU.WebApps.Indirect.ReserveManagementSystem/Api/ReserveManagementSystemApi/Services/LoanCalculationService.cs

using ReserveManagementSystemApi.Helpers;
using ReserveManagementSystemLib.Models;

namespace ReserveManagementSystemApi.Services
{
    public class LoanCalculationService : ILoanCalculationService
    {
        private readonly LoanCalculationHelper _loanCalculationHelper;
        private readonly BoatLoanCalculationHelper _boatLoanCalculationHelper;
        private CalculationConfig _calculationConfig;

        public LoanCalculationService()
        {
            _loanCalculationHelper = new LoanCalculationHelper();
            _boatLoanCalculationHelper = new BoatLoanCalculationHelper();
        }
               
        public LoanReserve CalculateSingleReserve(Loan loan)
        {
            var result = new LoanReserve();
            try
            {
                _calculationConfig = new CalculationConfig(loan);
                if (!loan.IsBoatLoan(loan))
                {
                    result = ReserveCalculation(loan);
                }
                else 
                {
                    result = BoatReserveCalculation(loan);
                }
            }
            catch (Exception e)
            {
                Log.Error("Failure to Calculate Loan: {0} {1}", e.Message, e.StackTrace);
                result.ReserveTypeMessage = "Exception while calculating reserve";
            }

            return result;
        }
            
        public LoanChargeback CalculateSingleChargeback(Loan loan)
        {
            var result = new LoanChargeback();
            try
            {
                _calculationConfig = new CalculationConfig(loan);
                if (!loan.IsBoatLoan(loan))
                {
                    result = ChargebackCalculation(loan);
                }
                else
                {
                    result = BoatChargebackCalculation(loan);
                }
               
            }
            catch (Exception e)
            {
                Log.Error("Failure to Calculate Chargeback: {0} {1}", e.Message, e.StackTrace);
            }

            return result;
        }

        public Loan CalculateLoanReserve(Loan loan, decimal? originalReserve = null, DateTime? originalExportReserveDate = null)
        {
            try
            {
                _calculationConfig = new CalculationConfig(loan);
                var loanReserve = new LoanReserve();
                if (!loan.IsBoatLoan(loan))
                {
                    loanReserve = ReserveCalculation(loan);
                }
                else
                {
                    loanReserve = BoatReserveCalculation(loan);
                }

                loan = AssignReserveValues(loan, loanReserve);
                if (originalReserve.HasValue)
                {
                    CalculateReserveAdjustment(loan, originalReserve, originalExportReserveDate);
                }
            }
            catch (Exception e)
            {
                Log.Error("Failure to Calculate Reserve: {0} {1}", e.Message, e.StackTrace);
                loan.ReserveMessage = "Exception while calculating reserve";
            }

            return loan;
        }
              
        private static void CalculateReserveAdjustment(Loan loan, decimal? originalReserve, DateTime? originalExportReserveDate)
        {
            var updatedReserveSaved = Math.Round(loan.ReserveAmount, 4, MidpointRounding.AwayFromZero); //this represents the amount saved to DB
            var updatedReserveRounded = Math.Round(updatedReserveSaved, 2, MidpointRounding.AwayFromZero);
            var originalReserveRounded = Math.Round(originalReserve.Value, 2, MidpointRounding.AwayFromZero);

            if (updatedReserveRounded != originalReserveRounded)
            {
                loan.Adjustment = (updatedReserveRounded - originalReserveRounded);
                loan.ExportedReserveDate = null; //we only want to remove last export date if reserve amount changed
            }
            else
            {
                loan.ExportedReserveDate = originalExportReserveDate;
            }
        }

        private LoanReserve ReserveCalculation(Loan loanData)
        {
            var loanReserve = new LoanReserve();
            _calculationConfig.BuyFinanceCharge = _loanCalculationHelper.FinanceCharge(_calculationConfig.LoanData().Term, loanData.LoanAmount, loanData.BuyRate); // Finance charge using BuyRate%
            _calculationConfig.ContractFinanceCharge = _loanCalculationHelper.FinanceCharge(_calculationConfig.LoanData().Term, loanData.LoanAmount, loanData.ContractRate); // Finance charge using ContractRate%

            if (loanData.ContractRate < loanData.BuyRate)
            {
                //Calculate Buy Down.
                return _loanCalculationHelper.CalculateBuyDown(_calculationConfig);
            }
            else
            {
                // Calculate Reserve Amount for all other loans.
                if ((double)loanData.ContractRate == (double)loanData.BuyRate)
                {
                    loanReserve = _loanCalculationHelper.CalculateNoMarkup(_calculationConfig);
                }
                else
                {
                    loanReserve = _loanCalculationHelper.CalculateStandardMarkup(_calculationConfig);
                }
              
                //Assign any Flat Fees if applicable
                return _loanCalculationHelper.AssignFlatFee(loanReserve, _calculationConfig);
            }           
        }

        private LoanReserve BoatReserveCalculation(Loan loanData)
        {      
            if (loanData.ContractRate < loanData.BuyRate)
            {
                _calculationConfig.BuyFinanceCharge = _loanCalculationHelper.FinanceCharge(_calculationConfig.LoanData().Term, loanData.LoanAmount, loanData.BuyRate); // Finance charge using BuyRate%
                _calculationConfig.ContractFinanceCharge = _loanCalculationHelper.FinanceCharge(_calculationConfig.LoanData().Term, loanData.LoanAmount, loanData.ContractRate); // Finance charge using ContractRate%

                return _loanCalculationHelper.CalculateBuyDown(_calculationConfig);
              
            }
            else
            {
                // Calculate Reserve Amount for all other loans.
                return _boatLoanCalculationHelper.CalculateStandardMarkup(_calculationConfig);
            }
        }

        private Loan AssignReserveValues(Loan loan, LoanReserve loanReserve)
        {
            loan.ReserveAmount = loanReserve.ReserveAmount;
            loan.ReserveMessage = loanReserve.ReserveTypeMessage;
            loan.Term = _calculationConfig.LoanData().Term;
            loan.FlatFeePaid = loanReserve.FlatFeePaid;

            return loan;
        }

        private LoanChargeback ChargebackCalculation(Loan loanData)
        {
            if (loanData.ReserveAmount < 0 || loanData.ReserveMessage != null && loanData.ReserveMessage.ToUpper().Contains("BUYDOWN"))
            {
                return SetBuyDownChargeback(loanData);
            }

            if (loanData.LoanType?.ChargebackMethod == "S")
            {
                return CalculateBBLoans(loanData);
            }
            else
            {
                return CalculateLoanWithChargebackDate(loanData);
            }
        }

        private LoanChargeback BoatChargebackCalculation(Loan loanData)
        {
            if (loanData.ReserveAmount < 0 || loanData.ReserveMessage != null && loanData.ReserveMessage.ToUpper().Contains("BUYDOWN"))
            {
                return SetBuyDownChargeback(loanData);
            }
            else
            { 
                return CalculateBoatLoanWithChargebackDate(loanData);
            }
        }

        private LoanChargeback CalculateBoatLoanWithChargebackDate(Loan loanData)
        {
            var numOfChargebackPayments = loanData.Term <= 63 ? 6 : 12; //term is 63 or less chargeback date is 6 monthly payments, otherwise 12
            var lastChargebackDate = _boatLoanCalculationHelper.GetLastChargebackDate(loanData.FirstPmtDate, numOfChargebackPayments);

            if (loanData.PaidLoanDate > lastChargebackDate)
            {
                return new LoanChargeback
                {
                    ChargebackAmount = 0M,
                    ChargebackTypeMessage = loanData.ReserveAmount == 0 ? "No Reserve - No Chargeback" : "Paid After Chargeback Date",
                    RemainingMonthsAtClose = (byte)_loanCalculationHelper.GetRemainingMonths(loanData)
                };
            }

            return ChargebackWithRemainingMonths(loanData);

        }

        private LoanChargeback CalculateLoanWithChargebackDate(Loan loanData)
        {
            var numOfChargebackPayments = loanData.LoanType?.NoChargebackPayments ?? 3;
            var numOfChargebackDays = loanData.LoanType?.NoChargebackDays ?? 90;
            var lastChargebackDate = _loanCalculationHelper.GetLastChargebackDate(loanData.LoanDate, loanData.FirstPmtDate, numOfChargebackPayments, numOfChargebackDays);

            if (loanData.PaidLoanDate > lastChargebackDate)
            {
                return new LoanChargeback
                {
                    ChargebackAmount = 0M,
                    ChargebackTypeMessage = loanData.ReserveAmount == 0 ? "No Reserve - No Chargeback" : "Paid After Chargeback Date",
                    RemainingMonthsAtClose = (byte)_loanCalculationHelper.GetRemainingMonths(loanData)
                };
            }

            return ChargebackWithRemainingMonths(loanData);

        }

        private LoanChargeback ChargebackWithRemainingMonths(Loan loanData)
        {
            int remainingMonths = 0;
            string message = "Paid On or Before Chargeback Date";

            remainingMonths = _loanCalculationHelper.GetRemainingMonths(loanData);    

            return new LoanChargeback
            {
                //this needs to be the original term formula
                ChargebackAmount = _loanCalculationHelper.CalculateChargeback(loanData.ReserveAmount, loanData.Term, remainingMonths),
                ChargebackTypeMessage = loanData.ReserveAmount == 0 ? "No Reserve - No Chargeback" : message,
                RemainingMonthsAtClose = (byte)remainingMonths
            };
        }

        private LoanChargeback ChargebackWithRemainingMonthsBB(Loan loanData)
        {
            int remainingMonths = 0;
            string message = "Paid After Chargeback Date";

            //add chargeback date for BB Loans
            var chargeBackDate = loanData.FirstPmtDate.AddMonths(loanData.Term - 1);

            if (loanData.PaidLoanDate <= chargeBackDate)
            {
                remainingMonths = _loanCalculationHelper.GetRemainingMonths(loanData);
                if (remainingMonths <= 0)
                    {
                        return new LoanChargeback
                        {
                            ChargebackAmount = 0M,
                            ChargebackTypeMessage = message,
                            RemainingMonthsAtClose = 0
                        };
                    }               
                else
                {
                    message = "Paid On or Before Chargeback Date";
                }
            }

            return new LoanChargeback
            {
                ChargebackAmount = _loanCalculationHelper.CalculateChargeback(loanData.ReserveAmount, loanData.Term, remainingMonths),
                ChargebackTypeMessage = message,
                RemainingMonthsAtClose = (byte)remainingMonths
            };
        }

        private LoanChargeback CalculateBBLoans(Loan loanData)
        {
            if (loanData.ReserveAmount != 0) 
            {
               return ChargebackWithRemainingMonthsBB(loanData);
            }
            else
            {
                return new LoanChargeback
                {
                    ChargebackAmount = 0M,
                    ChargebackTypeMessage = "No Reserve - No Chargeback",
                    RemainingMonthsAtClose = (byte)_loanCalculationHelper.GetRemainingMonths(loanData)
                };
            }
        }

        private LoanChargeback SetBuyDownChargeback(Loan loanData)
        {
            //Buydown scenarios will not calculate a chargeback and return a message indicating this.
            return new LoanChargeback
            {
                ChargebackAmount = 0M,
                ChargebackTypeMessage = "Buy Down Reserve - No Chargeback",
                RemainingMonthsAtClose = (byte)_loanCalculationHelper.GetRemainingMonths(loanData)
            };
        }
    }
}