def allocate_amounts(self, repayment_details):
precision = cint(frappe.db.get_default("currency_precision")) or 2
self.set('repayment_details', [])
self.principal_amount_paid = 0
total_interest_paid = 0
interest_paid = self.amount_paid - self.penalty_amount
if self.amount_paid - self.penalty_amount > 0:
interest_paid = self.amount_paid - self.penalty_amount
for lia, amounts in iteritems(repayment_details.get('pending_accrual_entries', [])):
if amounts['interest_amount'] + amounts['payable_principal_amount'] <= interest_paid:
interest_amount = amounts['interest_amount']
paid_principal = amounts['payable_principal_amount']
self.principal_amount_paid += paid_principal
interest_paid -= (interest_amount + paid_principal)
elif interest_paid:
if interest_paid >= amounts['interest_amount']:
interest_amount = amounts['interest_amount']
paid_principal = interest_paid - interest_amount
self.principal_amount_paid += paid_principal
interest_paid = 0
else:
interest_amount = interest_paid
interest_paid = 0
paid_principal=0
total_interest_paid += interest_amount
self.append('repayment_details', {
'loan_interest_accrual': lia,
'paid_interest_amount': interest_amount,
'paid_principal_amount': paid_principal
})
if repayment_details['unaccrued_interest'] and interest_paid:
# no of days for which to accrue interest
# Interest can only be accrued for an entire day and not partial
if interest_paid > repayment_details['unaccrued_interest']:
per_day_interest = flt(get_per_day_interest(self.pending_principal_amount,
self.rate_of_interest, self.posting_date), precision)
interest_paid -= repayment_details['unaccrued_interest']
total_interest_paid += repayment_details['unaccrued_interest']
else:
# get no of days for which interest can be paid
per_day_interest = flt(get_per_day_interest(self.pending_principal_amount,
self.rate_of_interest, self.posting_date), precision)
no_of_days = cint(interest_paid/per_day_interest)
total_interest_paid += no_of_days * per_day_interest
interest_paid -= no_of_days * per_day_interest
self.total_interest_paid = total_interest_paid
if interest_paid:
self.principal_amount_paid += interest_paid
def book_unaccrued_interest(self):
precision = cint(frappe.db.get_default("currency_precision")) or 2
if self.total_interest_paid > self.interest_payable:
if not self.is_term_loan:
# get last loan interest accrual date
last_accrual_date = get_last_accrual_date(self.against_loan)
# get posting date upto which interest has to be accrued
per_day_interest = flt(get_per_day_interest(self.pending_principal_amount,
self.rate_of_interest, self.posting_date), 2)
no_of_days = flt(flt(self.total_interest_paid - self.interest_payable,
precision)/per_day_interest, 0) - 1
posting_date = add_days(last_accrual_date, no_of_days)
# book excess interest paid
process = process_loan_interest_accrual_for_demand_loans(posting_date=posting_date,
loan=self.against_loan, accrual_type="Repayment")
# get loan interest accrual to update paid amount
lia = frappe.db.get_value('Loan Interest Accrual', {'process_loan_interest_accrual':
process}, ['name', 'interest_amount', 'payable_principal_amount'], as_dict=1)
self.append('repayment_details', {
'loan_interest_accrual': lia.name,
'paid_interest_amount': flt(self.total_interest_paid - self.interest_payable, precision),
'paid_principal_amount': 0.0,
'accrual_type': 'Repayment'
})
def book_unaccrued_interest(self):
precision = cint(frappe.db.get_default("currency_precision")) or 2
if flt(self.total_interest_paid, precision) > flt(
self.interest_payable, precision):
if not self.is_term_loan:
# get last loan interest accrual date
last_accrual_date = get_last_accrual_date(self.against_loan)
# get posting date upto which interest has to be accrued
per_day_interest = get_per_day_interest(
self.pending_principal_amount, self.rate_of_interest,
self.posting_date)
no_of_days = (flt(
flt(self.total_interest_paid - self.interest_payable,
precision) / per_day_interest, 0) - 1)
posting_date = add_days(last_accrual_date, no_of_days)
# book excess interest paid
process = process_loan_interest_accrual_for_demand_loans(
posting_date=posting_date,
loan=self.against_loan,
accrual_type="Repayment")
# get loan interest accrual to update paid amount
lia = frappe.db.get_value(
"Loan Interest Accrual",
{"process_loan_interest_accrual": process},
["name", "interest_amount", "payable_principal_amount"],
as_dict=1,
)
if lia:
self.append(
"repayment_details",
{
"loan_interest_accrual":
lia.name,
"paid_interest_amount":
flt(
self.total_interest_paid -
self.interest_payable, precision),
"paid_principal_amount":
0.0,
"accrual_type":
"Repayment",
},
)
def test_loan_topup_with_additional_pledge(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application(
'_Test Company', self.applicant, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(
self.applicant, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
# Disbursed 10,00,000 amount
make_loan_disbursement_entry(
loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
amounts = calculate_amounts(loan.name, add_days(last_date, 1))
previous_interest = amounts['interest_amount']
pledge1 = [{
"loan_security": "Test Security 1",
"qty": 2000.00
}]
create_loan_security_pledge(self.applicant, pledge1, loan=loan.name)
# Topup 500000
make_loan_disbursement_entry(
loan.name, 500000, disbursement_date=add_days(last_date, 1))
process_loan_interest_accrual_for_demand_loans(
posting_date=add_days(last_date, 15))
amounts = calculate_amounts(loan.name, add_days(last_date, 15))
per_day_interest = get_per_day_interest(1500000, 13.5, '2019-10-30')
interest = per_day_interest * 15
self.assertEquals(amounts['pending_principal_amount'], 1500000)
self.assertEquals(amounts['interest_amount'],
flt(interest + previous_interest, 2))
def allocate_excess_payment_for_demand_loans(self, interest_paid,
repayment_details):
if repayment_details["unaccrued_interest"] and interest_paid > 0:
# no of days for which to accrue interest
# Interest can only be accrued for an entire day and not partial
if interest_paid > repayment_details["unaccrued_interest"]:
interest_paid -= repayment_details["unaccrued_interest"]
self.total_interest_paid += repayment_details[
"unaccrued_interest"]
else:
# get no of days for which interest can be paid
per_day_interest = get_per_day_interest(
self.pending_principal_amount, self.rate_of_interest,
self.posting_date)
no_of_days = cint(interest_paid / per_day_interest)
self.total_interest_paid += no_of_days * per_day_interest
interest_paid -= no_of_days * per_day_interest
if interest_paid > 0:
self.principal_amount_paid += interest_paid
def get_amounts(amounts, against_loan, posting_date):
precision = cint(frappe.db.get_default("currency_precision")) or 2
against_loan_doc = frappe.get_doc("Loan", against_loan)
loan_type_details = frappe.get_doc("Loan Type", against_loan_doc.loan_type)
accrued_interest_entries = get_accrued_interest_entries(against_loan_doc.name)
pending_accrual_entries = {}
total_pending_interest = 0
penalty_amount = 0
payable_principal_amount = 0
final_due_date = ''
due_date = ''
for entry in accrued_interest_entries:
# Loan repayment due date is one day after the loan interest is accrued
# no of late days are calculated based on loan repayment posting date
# and if no_of_late days are positive then penalty is levied
due_date = add_days(entry.posting_date, 1)
no_of_late_days = date_diff(posting_date,
add_days(due_date, loan_type_details.grace_period_in_days)) + 1
if no_of_late_days > 0 and (not against_loan_doc.repay_from_salary) and entry.accrual_type == 'Regular':
penalty_amount += (entry.interest_amount * (loan_type_details.penalty_interest_rate / 100) * no_of_late_days)
total_pending_interest += entry.interest_amount
payable_principal_amount += entry.payable_principal_amount
pending_accrual_entries.setdefault(entry.name, {
'interest_amount': flt(entry.interest_amount, precision),
'payable_principal_amount': flt(entry.payable_principal_amount, precision)
})
if due_date and not final_due_date:
final_due_date = add_days(due_date, loan_type_details.grace_period_in_days)
if against_loan_doc.status in ('Disbursed', 'Loan Closure Requested', 'Closed'):
pending_principal_amount = against_loan_doc.total_payment - against_loan_doc.total_principal_paid \
- against_loan_doc.total_interest_payable - against_loan_doc.written_off_amount
else:
pending_principal_amount = against_loan_doc.disbursed_amount - against_loan_doc.total_principal_paid \
- against_loan_doc.total_interest_payable - against_loan_doc.written_off_amount
unaccrued_interest = 0
if due_date:
pending_days = date_diff(posting_date, due_date) + 1
else:
last_accrual_date = get_last_accrual_date(against_loan_doc.name)
pending_days = date_diff(posting_date, last_accrual_date) + 1
if pending_days > 0:
principal_amount = flt(pending_principal_amount, precision)
per_day_interest = get_per_day_interest(principal_amount, loan_type_details.rate_of_interest, posting_date)
unaccrued_interest += (pending_days * flt(per_day_interest, precision))
amounts["pending_principal_amount"] = flt(pending_principal_amount, precision)
amounts["payable_principal_amount"] = flt(payable_principal_amount, precision)
amounts["interest_amount"] = flt(total_pending_interest, precision)
amounts["penalty_amount"] = flt(penalty_amount, precision)
amounts["payable_amount"] = flt(payable_principal_amount + total_pending_interest + penalty_amount, precision)
amounts["pending_accrual_entries"] = pending_accrual_entries
amounts["unaccrued_interest"] = unaccrued_interest
if final_due_date:
amounts["due_date"] = final_due_date
return amounts
def get_amounts(amounts, against_loan, posting_date):
precision = cint(frappe.db.get_default("currency_precision")) or 2
against_loan_doc = frappe.get_doc("Loan", against_loan)
loan_type_details = frappe.get_doc("Loan Type", against_loan_doc.loan_type)
accrued_interest_entries = get_accrued_interest_entries(
against_loan_doc.name, posting_date)
computed_penalty_date, pending_penalty_amount = get_penalty_details(
against_loan)
pending_accrual_entries = {}
total_pending_interest = 0
penalty_amount = 0
payable_principal_amount = 0
final_due_date = ""
due_date = ""
for entry in accrued_interest_entries:
# Loan repayment due date is one day after the loan interest is accrued
# no of late days are calculated based on loan repayment posting date
# and if no_of_late days are positive then penalty is levied
due_date = add_days(entry.posting_date, 1)
due_date_after_grace_period = add_days(
due_date, loan_type_details.grace_period_in_days)
# Consider one day after already calculated penalty
if computed_penalty_date and getdate(
computed_penalty_date) >= due_date_after_grace_period:
due_date_after_grace_period = add_days(computed_penalty_date, 1)
no_of_late_days = date_diff(posting_date,
due_date_after_grace_period) + 1
if (no_of_late_days > 0 and (not against_loan_doc.repay_from_salary)
and entry.accrual_type == "Regular"):
penalty_amount += (
entry.interest_amount *
(loan_type_details.penalty_interest_rate / 100) *
no_of_late_days)
total_pending_interest += entry.interest_amount
payable_principal_amount += entry.payable_principal_amount
pending_accrual_entries.setdefault(
entry.name,
{
"interest_amount":
flt(entry.interest_amount, precision),
"payable_principal_amount":
flt(entry.payable_principal_amount, precision),
},
)
if due_date and not final_due_date:
final_due_date = add_days(due_date,
loan_type_details.grace_period_in_days)
pending_principal_amount = get_pending_principal_amount(against_loan_doc)
unaccrued_interest = 0
if due_date:
pending_days = date_diff(posting_date, due_date) + 1
else:
last_accrual_date = get_last_accrual_date(against_loan_doc.name)
pending_days = date_diff(posting_date, last_accrual_date) + 1
if pending_days > 0:
principal_amount = flt(pending_principal_amount, precision)
per_day_interest = get_per_day_interest(
principal_amount, loan_type_details.rate_of_interest, posting_date)
unaccrued_interest += pending_days * per_day_interest
amounts["pending_principal_amount"] = flt(pending_principal_amount,
precision)
amounts["payable_principal_amount"] = flt(payable_principal_amount,
precision)
amounts["interest_amount"] = flt(total_pending_interest, precision)
amounts["penalty_amount"] = flt(penalty_amount + pending_penalty_amount,
precision)
amounts["payable_amount"] = flt(
payable_principal_amount + total_pending_interest + penalty_amount,
precision)
amounts["pending_accrual_entries"] = pending_accrual_entries
amounts["unaccrued_interest"] = flt(unaccrued_interest, precision)
if final_due_date:
amounts["due_date"] = final_due_date
return amounts