adamsaghy commented on code in PR #5053:
URL: https://github.com/apache/fineract/pull/5053#discussion_r2432359549
##########
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java:
##########
@@ -2890,71 +2899,362 @@ private void handleReAge(LoanTransaction
loanTransaction, TransactionCtx ctx) {
MonetaryCurrency currency = ctx.getCurrency();
List<LoanRepaymentScheduleInstallment> installments =
ctx.getInstallments();
- AtomicReference<Money> outstandingPrincipalBalance = new
AtomicReference<>(Money.zero(currency));
+ // re-aging logic for interest-bearing loans
+ if (ctx instanceof ProgressiveTransactionCtx progressiveTransactionCtx
+ &&
loanTransaction.getLoan().isInterestBearingAndInterestRecalculationEnabled()) {
+ handleReAgeWithInterestRecalculationEnabled(loanTransaction,
progressiveTransactionCtx);
+ } else if (loanTransaction.getLoan().isInterestBearing() &&
!loanTransaction.getLoan().isInterestRecalculationEnabled()) {
+ // TODO: implement interestRecalculation = false logic
+ throw new NotImplementedException(
+ "Logic for re-aging when interest bearing loan has
interestRecalculation disabled is not implemented");
+ } else {
+ AtomicReference<Money> outstandingPrincipalBalance = new
AtomicReference<>(Money.zero(currency));
+ installments.forEach(i -> {
+ Money principalOutstanding =
i.getPrincipalOutstanding(currency);
+ if (principalOutstanding.isGreaterThanZero()) {
+
outstandingPrincipalBalance.set(outstandingPrincipalBalance.get().add(principalOutstanding));
+ i.addToPrincipal(loanTransaction.getTransactionDate(),
principalOutstanding.negated());
+ }
+ });
+
+
loanTransaction.updateComponentsAndTotal(outstandingPrincipalBalance.get(),
Money.zero(currency), Money.zero(currency),
+ Money.zero(currency));
+
+ Money calculatedPrincipal = Money.zero(currency);
+ Money adjustCalculatedPrincipal = Money.zero(currency);
+ if (outstandingPrincipalBalance.get().isGreaterThanZero()) {
+ calculatedPrincipal = outstandingPrincipalBalance.get()
+
.dividedBy(loanTransaction.getLoanReAgeParameter().getNumberOfInstallments(),
MoneyHelper.getMathContext());
+ Integer installmentAmountInMultiplesOf =
loanTransaction.getLoan().getLoanProductRelatedDetail()
+ .getInstallmentAmountInMultiplesOf();
+ if (installmentAmountInMultiplesOf != null) {
+ calculatedPrincipal =
Money.roundToMultiplesOf(calculatedPrincipal, installmentAmountInMultiplesOf);
+ }
+ adjustCalculatedPrincipal = outstandingPrincipalBalance.get()
+
.minus(calculatedPrincipal.multipliedBy(loanTransaction.getLoanReAgeParameter().getNumberOfInstallments()));
+ }
+
+ Optional<LoanRepaymentScheduleInstallment>
lastNormalInstallmentOptional = installments.stream().filter(i ->
!i.isDownPayment())
+ .filter(i ->
i.getDueDate().isBefore(loanTransaction.getTransactionDate())).reduce((first,
second) -> second);
+
+ int reAgedInstallmentNumber;
+ LocalDate fromDate;
+ Loan loan;
+ if (lastNormalInstallmentOptional.isEmpty()) {
+ LoanRepaymentScheduleInstallment firstNormalInstallment =
installments.stream().filter(i -> !i.isDownPayment())
+
.min(Comparator.comparing(LoanRepaymentScheduleInstallment::getDueDate)).orElseThrow();
+ reAgedInstallmentNumber =
firstNormalInstallment.getInstallmentNumber();
+ fromDate = firstNormalInstallment.getFromDate();
+ loan = firstNormalInstallment.getLoan();
+ } else {
+ LoanRepaymentScheduleInstallment lastNormalInstallment =
lastNormalInstallmentOptional.get();
+ reAgedInstallmentNumber =
lastNormalInstallment.getInstallmentNumber() + 1;
+ fromDate = lastNormalInstallment.getDueDate();
+ loan = lastNormalInstallment.getLoan();
+ }
+
+ LoanRepaymentScheduleInstallment reAgedInstallment =
LoanRepaymentScheduleInstallment.newReAgedInstallment(loan,
+ reAgedInstallmentNumber, fromDate,
loanTransaction.getLoanReAgeParameter().getStartDate(),
+ calculatedPrincipal.getAmount());
+ insertOrReplaceRelatedInstallment(installments, reAgedInstallment,
currency, loanTransaction.getTransactionDate());
+
+ for (int i = 1; i <
loanTransaction.getLoanReAgeParameter().getNumberOfInstallments(); i++) {
+ LocalDate calculatedDueDate =
calculateReAgedInstallmentDueDate(loanTransaction.getLoanReAgeParameter(),
+ reAgedInstallment.getDueDate());
+ int nextReAgedInstallmentNumber =
reAgedInstallment.getInstallmentNumber() + 1;
+ reAgedInstallment =
LoanRepaymentScheduleInstallment.newReAgedInstallment(reAgedInstallment.getLoan(),
+ nextReAgedInstallmentNumber,
reAgedInstallment.getDueDate(), calculatedDueDate,
calculatedPrincipal.getAmount());
+ if (i + 1 ==
loanTransaction.getLoanReAgeParameter().getNumberOfInstallments()) {
+
reAgedInstallment.addToPrincipal(loanTransaction.getTransactionDate(),
adjustCalculatedPrincipal);
+ }
+ insertOrReplaceRelatedInstallment(installments,
reAgedInstallment, currency, loanTransaction.getTransactionDate());
+ }
+ int lastReAgedInstallmentNumber =
reAgedInstallment.getInstallmentNumber();
+ List<LoanRepaymentScheduleInstallment> toRemove =
installments.stream().filter(i -> i != null && !i.isAdditional()
+ && i.getInstallmentNumber() != null &&
i.getInstallmentNumber() > lastReAgedInstallmentNumber).toList();
+ toRemove.forEach(installments::remove);
+ reprocessInstallments(installments);
+ }
+ }
+
+ private void handleReAgeWithInterestRecalculationEnabled(final
LoanTransaction loanTransaction, final ProgressiveTransactionCtx ctx) {
+ final MonetaryCurrency currency = ctx.getCurrency();
+ final Loan loan = loanTransaction.getLoan();
+ final MathContext mc = MoneyHelper.getMathContext();
+ final LocalDate transactionDate = loanTransaction.getTransactionDate();
+ final List<LoanRepaymentScheduleInstallment> installments =
ctx.getInstallments();
+ final List<RepaymentPeriod> repaymentPeriods =
ctx.getModel().repaymentPeriods();
+ final LocalDate reAgingStartDate =
loanTransaction.getLoanReAgeParameter().getStartDate();
+
+ final Optional<LoanTransaction> chargeOffTransaction =
ctx.getAlreadyProcessedTransactions().stream()
+ .filter(t -> ((t.isChargeOff() &&
(loan.hasAccelerateChargeOffStrategy() ||
loan.hasZeroInterestChargeOffStrategy()))
+ || t.isContractTermination()) && !t.isReversed() &&
t.getTransactionDate().isBefore(reAgingStartDate))
+ .findFirst();
Review Comment:
Its 2 types of transactions: chargeoff and contract termination
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