def test_loan_security_unpledge(self):
pledge = [{"loan_security": "Test Security 1", "qty": 4000.00}]
loan_application = create_loan_application("_Test Company",
self.applicant2,
"Demand Loan", pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2,
"Demand Loan",
loan_application,
posting_date="2019-10-01")
loan.submit()
self.assertEqual(loan.loan_amount, 1000000)
first_date = "2019-10-01"
last_date = "2019-10-30"
no_of_days = date_diff(last_date, first_date) + 1
no_of_days += 5
accrued_interest_amount = (
loan.loan_amount * loan.rate_of_interest *
no_of_days) / (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
repayment_entry = create_repayment_entry(
loan.name,
self.applicant2,
add_days(last_date, 5),
flt(loan.loan_amount + accrued_interest_amount),
)
repayment_entry.submit()
request_loan_closure(loan.name)
loan.load_from_db()
self.assertEqual(loan.status, "Loan Closure Requested")
unpledge_request = unpledge_security(loan=loan.name, save=1)
unpledge_request.submit()
unpledge_request.status = "Approved"
unpledge_request.save()
loan.load_from_db()
pledged_qty = get_pledged_security_qty(loan.name)
self.assertEqual(loan.status, "Closed")
self.assertEqual(sum(pledged_qty.values()), 0)
amounts = amounts = calculate_amounts(loan.name,
add_days(last_date, 5))
self.assertEqual(amounts["pending_principal_amount"], 0)
self.assertEqual(amounts["payable_principal_amount"], 0.0)
self.assertEqual(amounts["interest_amount"], 0)
def get_total_pledged_security_value(loan):
update_time = get_datetime()
loan_security_price_map = frappe._dict(
frappe.get_all(
"Loan Security Price",
fields=["loan_security", "loan_security_price"],
filters={
"valid_from": ("<=", update_time),
"valid_upto": (">=", update_time)
},
as_list=1,
))
hair_cut_map = frappe._dict(
frappe.get_all("Loan Security", fields=["name", "haircut"], as_list=1))
security_value = 0.0
pledged_securities = get_pledged_security_qty(loan)
for security, qty in pledged_securities.items():
after_haircut_percentage = 100 - hair_cut_map.get(security)
security_value += (loan_security_price_map.get(security) * qty *
after_haircut_percentage) / 100
return security_value
def unpledge_security(loan=None, loan_security_pledge=None, as_dict=0, save=0, submit=0, approve=0):
# if loan is passed it will be considered as full unpledge
if loan:
pledge_qty_map = get_pledged_security_qty(loan)
loan_doc = frappe.get_doc('Loan', loan)
unpledge_request = create_loan_security_unpledge(pledge_qty_map, loan_doc.name, loan_doc.company,
loan_doc.applicant_type, loan_doc.applicant)
# will unpledge qty based on loan security pledge
elif loan_security_pledge:
security_map = {}
pledge_doc = frappe.get_doc('Loan Security Pledge', loan_security_pledge)
for security in pledge_doc.securities:
security_map.setdefault(security.loan_security, security.qty)
unpledge_request = create_loan_security_unpledge(security_map, pledge_doc.loan,
pledge_doc.company, pledge_doc.applicant_type, pledge_doc.applicant)
if save:
unpledge_request.save()
if submit:
unpledge_request.submit()
if approve:
if unpledge_request.docstatus == 1:
unpledge_request.status = 'Approved'
unpledge_request.save()
else:
frappe.throw(_('Only submittted unpledge requests can be approved'))
if as_dict:
return unpledge_request
else:
return unpledge_request
def test_loan_security_unpledge(self):
pledges = []
pledges.append({
"loan_security": "Test Security 1",
"qty": 4000.00,
"haircut": 50
})
loan_security_pledge = create_loan_security_pledge(
self.applicant2, pledges)
loan = create_demand_loan(self.applicant2,
"Demand Loan",
loan_security_pledge.name,
posting_date=get_first_day(nowdate()))
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
no_of_days += 6
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
repayment_entry = create_repayment_entry(
loan.name, self.applicant2, add_days(last_date, 6), "Loan Closure",
flt(loan.loan_amount + accrued_interest_amount))
repayment_entry.submit()
amounts = frappe.db.get_value(
'Loan Interest Accrual', {'loan': loan.name},
['paid_interest_amount', 'paid_principal_amount'])
loan.load_from_db()
self.assertEquals(loan.status, "Loan Closure Requested")
unpledge_request = create_loan_security_unpledge(loan.name,
loan.applicant_type,
loan.applicant,
loan.company,
as_dict=0)
unpledge_request.submit()
unpledge_request.status = 'Approved'
unpledge_request.save()
loan.load_from_db()
pledged_qty = get_pledged_security_qty(loan.name)
self.assertEqual(loan.status, 'Closed')
self.assertEquals(sum(pledged_qty.values()), 0)
def test_loan_security_unpledge(self):
pledge = [{"loan_security": "Test Security 1", "qty": 4000.00}]
loan_application = create_loan_application('_Test Company',
self.applicant2,
'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2,
"Demand Loan",
loan_application,
posting_date=get_first_day(nowdate()))
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
no_of_days += 6
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
repayment_entry = create_repayment_entry(
loan.name, self.applicant2, add_days(last_date, 6), "Loan Closure",
flt(loan.loan_amount + accrued_interest_amount))
repayment_entry.submit()
loan.load_from_db()
self.assertEquals(loan.status, "Loan Closure Requested")
unpledge_request = unpledge_security(loan=loan.name, save=1)
unpledge_request.submit()
unpledge_request.status = 'Approved'
unpledge_request.save()
loan.load_from_db()
pledged_qty = get_pledged_security_qty(loan.name)
self.assertEqual(loan.status, 'Closed')
self.assertEquals(sum(pledged_qty.values()), 0)
amounts = amounts = calculate_amounts(loan.name,
add_days(last_date,
6), "Regular Repayment")
self.assertEqual(amounts['pending_principal_amount'], 0)
self.assertEqual(amounts['payable_principal_amount'], 0)
self.assertEqual(amounts['interest_amount'], 0)
def check_for_ltv_shortfall(process_loan_security_shortfall):
update_time = get_datetime()
loan_security_price_map = frappe._dict(
frappe.get_all("Loan Security Price",
fields=["loan_security", "loan_security_price"],
filters={
"valid_from": ("<=", update_time),
"valid_upto": (">=", update_time)
},
as_list=1))
loans = frappe.get_all('Loan',
fields=[
'name', 'loan_amount', 'total_principal_paid',
'total_payment', 'total_interest_payable',
'disbursed_amount', 'status'
],
filters={
'status':
('in', ['Disbursed', 'Partially Disbursed']),
'is_secured_loan':
1
})
loan_security_map = {}
for loan in loans:
if loan.status == 'Disbursed':
outstanding_amount = flt(loan.total_payment) - flt(loan.total_interest_payable) \
- flt(loan.total_principal_paid)
else:
outstanding_amount = loan.disbursed_amount
pledged_securities = get_pledged_security_qty(loan.name)
ltv_ratio = ''
security_value = 0.0
for security, qty in pledged_securities.items():
if not ltv_ratio:
ltv_ratio = get_ltv_ratio(security)
security_value += loan_security_price_map.get(security) * qty
current_ratio = (outstanding_amount / security_value) * 100
if current_ratio > ltv_ratio:
shortfall_amount = outstanding_amount - (
(security_value * ltv_ratio) / 100)
create_loan_security_shortfall(loan.name, outstanding_amount,
security_value, shortfall_amount,
process_loan_security_shortfall)
def unpledge_security(loan=None,
loan_security_pledge=None,
security_map=None,
as_dict=0,
save=0,
submit=0,
approve=0):
# if no security_map is passed it will be considered as full unpledge
if security_map and isinstance(security_map, string_types):
security_map = json.loads(security_map)
if loan:
pledge_qty_map = security_map or get_pledged_security_qty(loan)
loan_doc = frappe.get_doc("Loan", loan)
unpledge_request = create_loan_security_unpledge(
pledge_qty_map, loan_doc.name, loan_doc.company,
loan_doc.applicant_type, loan_doc.applicant)
# will unpledge qty based on loan security pledge
elif loan_security_pledge:
security_map = {}
pledge_doc = frappe.get_doc("Loan Security Pledge",
loan_security_pledge)
for security in pledge_doc.securities:
security_map.setdefault(security.loan_security, security.qty)
unpledge_request = create_loan_security_unpledge(
security_map,
pledge_doc.loan,
pledge_doc.company,
pledge_doc.applicant_type,
pledge_doc.applicant,
)
if save:
unpledge_request.save()
if submit:
unpledge_request.submit()
if approve:
if unpledge_request.docstatus == 1:
unpledge_request.status = "Approved"
unpledge_request.save()
else:
frappe.throw(
_("Only submittted unpledge requests can be approved"))
if as_dict:
return unpledge_request
else:
return unpledge_request
def check_for_ltv_shortfall(process_loan_security_shortfall):
update_time = get_datetime()
loan_security_price_map = frappe._dict(
frappe.get_all(
"Loan Security Price",
fields=["loan_security", "loan_security_price"],
filters={
"valid_from": ("<=", update_time),
"valid_upto": (">=", update_time)
},
as_list=1,
))
loans = frappe.get_all(
"Loan",
fields=[
"name",
"loan_amount",
"total_principal_paid",
"total_payment",
"total_interest_payable",
"disbursed_amount",
"status",
],
filters={
"status": ("in", ["Disbursed", "Partially Disbursed"]),
"is_secured_loan": 1
},
)
loan_shortfall_map = frappe._dict(
frappe.get_all("Loan Security Shortfall",
fields=["loan", "name"],
filters={"status": "Pending"},
as_list=1))
loan_security_map = {}
for loan in loans:
if loan.status == "Disbursed":
outstanding_amount = (flt(loan.total_payment) -
flt(loan.total_interest_payable) -
flt(loan.total_principal_paid))
else:
outstanding_amount = (flt(loan.disbursed_amount) -
flt(loan.total_interest_payable) -
flt(loan.total_principal_paid))
pledged_securities = get_pledged_security_qty(loan.name)
ltv_ratio = 0.0
security_value = 0.0
for security, qty in pledged_securities.items():
if not ltv_ratio:
ltv_ratio = get_ltv_ratio(security)
security_value += flt(
loan_security_price_map.get(security)) * flt(qty)
current_ratio = (outstanding_amount /
security_value) * 100 if security_value else 0
if current_ratio > ltv_ratio:
shortfall_amount = outstanding_amount - (
(security_value * ltv_ratio) / 100)
create_loan_security_shortfall(
loan.name,
outstanding_amount,
security_value,
shortfall_amount,
current_ratio,
process_loan_security_shortfall,
)
elif loan_shortfall_map.get(loan.name):
shortfall_amount = outstanding_amount - (
(security_value * ltv_ratio) / 100)
if shortfall_amount <= 0:
shortfall = loan_shortfall_map.get(loan.name)
update_pending_shortfall(shortfall)
