def test_calculate_principal_and_duration_raises_error(self):
'''
Test whether Loan Plan fields are missing
'''
params = (20000.0, '_Test Loan Plan 2', '2020-08-19')
with self.assertRaises(ValueError):
calculate_principal_and_duration(*params)
def test_calculate_principal_and_duration_raises_when_invalid_plan(self):
'''
Test for invalid Loan Plan dict
'''
params = (20000.0, 104, '2020-08-19')
with self.assertRaises(ValueError):
calculate_principal_and_duration(*params)
def validate(self):
effective_date = frappe.get_value('Loan Plan', self.loan_plan,
'date_effective_from')
if effective_date and \
getdate(effective_date) > getdate(self.posting_date):
return None
if self.stipulated_recovery_amount > self.loan_principal:
frappe.throw("Recovery Amount cannot exceed Principal.")
date_of_retirement, net_salary_amount = frappe.get_value(
'Loanee Details', {'customer': self.customer},
['date_of_retirement', 'net_salary_amount'])
force_duration, income_multiple, max_duration = frappe.get_value(
'Loan Plan', self.loan_plan,
['force_duration', 'income_multiple', 'max_duration'])
check = calculate_principal_and_duration(
income=net_salary_amount,
loan_plan={
'force_duration': force_duration,
'income_multiple': income_multiple,
'max_duration': max_duration,
'billing_day': getdate(self.billing_date).day,
'rate_of_interest': self.rate_of_interest,
},
end_date=date_of_retirement,
execution_date=self.posting_date)
if self.loan_principal > flt(check.get('principal')):
frappe.throw("Requested principal cannot exceed {}.".format(
self.fmt_money(check.get('principal'))))
if self.stipulated_recovery_amount < \
self.loan_principal / check.get('duration'):
frappe.throw("Recovery Amount can be less than {}.".format(
self.fmt_money(self.loan_principal / check.get('duration'))))
# possible heavy db queries ahead so check for outstanding is
# positioned last
outstanding_principal = reduce(
(lambda a, x: a + get_outstanding_principal(
x.name, self.posting_date)),
frappe.get_all('Loan',
filters={
'customer':
self.customer,
'docstatus':
1,
'recovery_status':
('in', 'Not Started, In Progress'),
}), 0)
if self.loan_principal + outstanding_principal > \
flt(check.get('principal')):
frappe.throw("""
Customer has existing loans of outstanding {}.
Total principal should not exceed allowable principal {}.
""".format(self.fmt_money(outstanding_principal),
self.fmt_money(check.get('principal'))))
self.expected_end_date = check.get('expected_eta')
def test_calculate_principal_and_duration(self):
'''Test calculate_principal_and_duration default case'''
actual = calculate_principal_and_duration(
20000.0,
'_Test Loan Plan 1',
'2030-08-19',
'2017-12-12',
)
expected = {
'principal': 480000.0,
'expected_eta': '2023-01-04',
'duration': 60,
'recovery_amount': 8000.0,
'initial_interest': 24000.0,
}
self.assertEqual(actual, expected)
def test_calculate_principal_force_duration(self):
'''
Test calculate_principal_and_duration when the end_date is ignored
in Loan Plan.
'''
actual = calculate_principal_and_duration(
20000.0,
'_Test Loan Plan 3',
'2020-08-19',
'2017-12-12',
)
expected = {
'principal': 480000.0,
'expected_eta': '2023-01-04',
'duration': 60,
'recovery_amount': 8000.0,
'initial_interest': 24000.0,
}
self.assertEqual(actual, expected)
def test_calculate_principal_and_duration_end_date_before_loan_plan_max_duration(
self):
'''
Test calculate_principal_and_duration when the end_date is before
Loan Plan.max duration.
'''
actual = calculate_principal_and_duration(
20000.0,
'_Test Loan Plan 1',
'2020-08-19',
'2017-12-12',
)
expected = {
'principal': 248000.0,
'expected_eta': '2020-08-04',
'duration': 31,
'recovery_amount': 8000.0,
'initial_interest': 12500.0,
}
self.assertEqual(actual, expected)
def test_calculate_principal_and_duration_when_plan_is_dict(self):
'''Test when loan_plan param is a dict'''
actual = calculate_principal_and_duration(
20000.0,
{
'income_multiple': 24,
'max_duration': 60,
'billing_day': 5,
'rate_of_interest': 5.0,
},
'2020-08-19',
'2017-12-12',
)
expected = {
'principal': 248000.0,
'expected_eta': '2020-08-04',
'duration': 31,
'recovery_amount': 8000.0,
'initial_interest': 12400.0,
}
self.assertEqual(actual, expected)
