def get_billed_amount(self):
(
loan_type,
calculation_slab,
rate_of_interest,
loan_principal,
) = frappe.get_value(
"Microfinance Loan",
self.loan,
["loan_type", "calculation_slab", "rate_of_interest", "loan_principal"],
)
if loan_type == "EMI":
return calc_interest(loan_principal, rate_of_interest)
outstanding_principal = get_outstanding_principal(self.loan, self.end_date)
return calc_interest(outstanding_principal, rate_of_interest, calculation_slab)
def calculate_principal(income, loan_plan, end_date, execution_date):
"""
Return a dict containing the maximum allowed principal along with the
duration and monthly installment.
:param income: Renumeration received by the Customer
:param loan_plan: Name of a Loan Plan
:param end_date: Maximum date on which the loan could end
:param execution_date: Date on which the loan would start
"""
plan = frappe.get_doc('Microfinance Loan Plan', loan_plan)
if not plan.income_multiple or not plan.max_duration:
frappe.throw('Missing values in Loan Plan', ValueError)
recovery_amount = flt(income) * plan.income_multiple / plan.max_duration
duration = plan.max_duration if plan.force_max_duration else min(
plan.max_duration,
compose(partial(month_diff, end_date), get_last_day)(execution_date),
)
expected_eta = compose(partial(add_months, months=duration),
get_last_day)(execution_date)
principal = recovery_amount * duration
initial_interest = calc_interest(principal, plan.rate_of_interest,
plan.calculation_slab)
return {
'principal': rounded(principal, 2),
'expected_eta': expected_eta,
'duration': duration,
'recovery_amount': rounded(recovery_amount, 2),
'initial_interest': rounded(initial_interest, 2),
}
def get_billed_amount(self):
outstanding_principal = get_outstanding_principal(
self.loan, self.end_date)
calculation_slab, rate_of_interest = frappe.get_value(
'Microfinance Loan',
self.loan,
['calculation_slab', 'rate_of_interest'],
)
return calc_interest(outstanding_principal, rate_of_interest,
calculation_slab)
def allocate_interests(loan, posting_date, amount_to_allocate=0, principal=0):
periods = []
to_allocate = amount_to_allocate
existing_unpaid_interests = get_unpaid(loan)
for period in map(_interest_to_period, existing_unpaid_interests):
p = _allocate(period, to_allocate)
periods.append(p)
to_allocate -= p.get('allocated_amount')
calculation_slab, loan_date, rate_of_interest = frappe.get_value(
'Microfinance Loan',
loan,
['calculation_slab', 'posting_date', 'rate_of_interest'],
)
outstanding_amount = get_outstanding_principal(loan, posting_date)
interest_amount = calc_interest(outstanding_amount, rate_of_interest,
calculation_slab)
adv_interest_amount = calc_interest(outstanding_amount - principal,
rate_of_interest, calculation_slab)
last = get_last(loan)
effective_date = frappe.get_value('Microfinance Loan Settings', None,
'effective_date')
init_date = add_days(last.get('end_date'), 1) if last \
else max(loan_date, getdate(effective_date))
gen_per = _generate_periods(init_date)
while to_allocate > 0:
per_ = gen_per.next()
# for advance payments consider outstanding_amount to be minus
# the current principal to be paid
amount = adv_interest_amount \
if _is_advance(per_, posting_date) else interest_amount
per_.update({
'billed_amount': amount,
'outstanding_amount': amount,
})
per = _allocate(per_, to_allocate)
periods.append(per)
to_allocate -= per.get('allocated_amount')
return filter(lambda x: x.get('allocated_amount') > 0, periods)
def allocate_interests(loan, posting_date, amount_to_allocate=0, principal=0):
periods = []
to_allocate = amount_to_allocate
existing_unpaid_interests = get_unpaid(loan)
for period in map(_interest_to_period, existing_unpaid_interests):
p = _allocate(period, to_allocate)
periods.append(p)
to_allocate -= p.get("allocated_amount")
calculation_slab, loan_date, rate_of_interest = frappe.get_value(
"Microfinance Loan",
loan,
["calculation_slab", "posting_date", "rate_of_interest"],
)
outstanding_amount = get_outstanding_principal(loan, posting_date)
interest_amount = calc_interest(outstanding_amount, rate_of_interest,
calculation_slab)
adv_interest_amount = calc_interest(outstanding_amount - principal,
rate_of_interest, calculation_slab)
last = get_last(loan)
effective_date = frappe.get_value("Microfinance Loan Settings", None,
"effective_date")
init_date = (add_days(last.get("end_date"), 1) if last else max(
loan_date, getdate(effective_date)))
gen_per = _generate_periods(init_date)
while to_allocate > 0:
per_ = next(gen_per)
# for advance payments consider outstanding_amount to be minus
# the current principal to be paid
amount = (adv_interest_amount
if _is_advance(per_, posting_date) else interest_amount)
per_.update({"billed_amount": amount, "outstanding_amount": amount})
per = _allocate(per_, to_allocate)
periods.append(per)
to_allocate -= per.get("allocated_amount")
return filter(lambda x: x.get("allocated_amount") > 0, periods)
def get_current_interest(loan, posting_date):
calculation_slab, rate_of_interest, recovery_status = frappe.get_value(
"Microfinance Loan",
loan,
["calculation_slab", "rate_of_interest", "recovery_status"],
)
if recovery_status == "NPA":
return 0
prev_billed_amount = compose(
partial(frappe.get_value,
"Microfinance Loan Interest",
fieldname="billed_amount"),
partial(make_name, loan),
getdate,
partial(add_months, months=-1),
)(posting_date)
if prev_billed_amount:
return prev_billed_amount
outstanding = get_outstanding_principal(loan, posting_date)
return calc_interest(outstanding, rate_of_interest, calculation_slab)
def get_current_interest(loan, posting_date):
calculation_slab, rate_of_interest, recovery_status = frappe.get_value(
'Microfinance Loan',
loan,
['calculation_slab', 'rate_of_interest', 'recovery_status'],
)
if recovery_status == 'NPA':
return 0
prev_billed_amount = compose(
partial(frappe.get_value,
'Microfinance Loan Interest',
fieldname='billed_amount'),
partial(make_name, loan),
getdate,
partial(add_months, months=-1),
)(posting_date)
if prev_billed_amount:
return prev_billed_amount
outstanding = get_outstanding_principal(loan, posting_date)
return calc_interest(outstanding, rate_of_interest, calculation_slab)
