def post(self, request, loan_id=None):
user = request.user
loan = Loan.objects.filter(
pk=loan_id).prefetch_related('loanpayment_set')
if not loan.exists():
return Response(
{'detail': MESSAGES.get('NOT_FOUND').format('Loan')},
status=status.HTTP_404_NOT_FOUND)
loan = loan.first()
if not loan.user == user:
return Response({'detail': MESSAGES.get('NOT_LOAN_OWNER')},
status=status.HTTP_400_BAD_REQUEST)
if loan.status == 'paid':
return Response({'detail': MESSAGES.get('LOAN_ALREADY_PAID')},
status=status.HTTP_400_BAD_REQUEST)
payment = loan.loanpayment_set.filter(status='pending')
if not payment.exists():
return Response({'detail': MESSAGES.get('LOAN_ALREADY_PAID')},
status=status.HTTP_400_BAD_REQUEST)
payment = payment.first()
payment.payment_date = datetime.datetime.now()
payment.status = 'paid'
payment.save()
loan_profile = LoanProfile.objects.filter(user=user)
loan_profile = loan_profile.first() \
if loan_profile.exists() \
else LoanProfile(user=user, score=0)
today = datetime.date.today()
if payment.deadline < today:
loan_profile.score -= 3
else:
loan_profile.score += 1
loan_profile.save()
total_payment = 0
for pm in loan.loanpayment_set.all():
total_payment += pm.amount
serializer = self.serializer_class(payment)
response_data = serializer.data
if total_payment >= (loan.amount +
loan.amount * loan.interest_rate / 100):
loan.status = 'paid'
loan.save()
else:
LoanPayment.objects.create(loan=loan,
amount=payment.amount,
status='pending',
payment_date=None,
deadline=add_months(
payment.deadline, 1))
response_data['loan_status'] = loan.status
return Response(response_data)
def get(self, request, account_number=None):
if not account_number:
return Response({'detail': MESSAGES.get('URL_PARAM_MISSING')},
status=status.HTTP_400_BAD_REQUEST)
transactions = self.get_queryset().filter(account=account_number)
serializer = self.serializer_class(transactions, many=True)
return self.get_paginated_response(
self.paginate_queryset(serializer.data))
def get(self, request, loan_id=None):
if not loan_id:
return Response({'detail': MESSAGES.get('URL_PARAM_MISSING')},
status=status.HTTP_400_BAD_REQUEST)
payments = self.get_queryset().filter(
loan=loan_id).order_by('-created_at')
serializer = self.serializer_class(payments, many=True)
return self.get_paginated_response(
self.paginate_queryset(serializer.data))
def get(self, request):
user = request.user
account = Account.objects.filter(user=user)
if not account.exists():
return Response({'detail': MESSAGES.get('ACCOUNT_DOES_NOT_EXIST')},
status=status.HTTP_400_BAD_REQUEST)
serializer = self.serializer_class(account.first())
return Response(serializer.data)
def post(self, request):
user = request.user
account = Account.objects.filter(user=user)
if account.exists():
return Response({'detail': MESSAGES.get('ACCOUNT_EXISTS')},
status=status.HTTP_400_BAD_REQUEST)
account_number = generate_account_number()
account = Account.objects.create(number=account_number, user=user)
serializer = self.serializer_class(account)
return Response(serializer.data, status=status.HTTP_201_CREATED)
def is_eligible_lender(amount, length, score, num_of_loans):
if amount > 50000 or amount < 500:
return {
'eligible': False,
'reason': MESSAGES.get('WRONG_LOAN_AMOUNT')
}
if length > 96 or length < 6:
return {
'eligible': False,
'reason': MESSAGES.get('WRONG_LOAN_LENGTH')
}
if num_of_loans <= 5:
return check_eligibility(amount, length, 'newbee')
elif 5 < num_of_loans <= 10:
_type = 'bronze' if 60 <= score else 'newbee'
return check_eligibility(amount, length, _type)
elif 10 < num_of_loans <= 25:
_type = 'silver' if 120 <= score else 'bronze'
return check_eligibility(amount, length, _type)
else:
_type = 'gold' if 180 <= score else 'silver'
return check_eligibility(amount, length, _type)
def get(self, request, user_id=None):
user = request.user
if user_id:
user = User.objects.filter(pk=user_id).first()
if not user:
return Response(
{'detail': MESSAGES.get('NOT_FOUND').format('user')},
status=status.HTTP_404_NOT_FOUND)
loan_profile = LoanProfile.objects.filter(user=user)
num_of_loans = len(Loan.objects.filter(user=user))
serializer = self.serializer_class(user, context={'request': request})
response_data = serializer.data
response_data['lend_score'] = loan_profile.first().score \
if loan_profile.exists() else None
response_data['num_of_loans'] = num_of_loans
return Response(response_data)
def check_eligibility(amount, length, _type):
if _type == 'newbee':
if 500 <= amount <= 3000 and 6 <= length <= 24:
interest_rate = 17
if length <= 12:
interest_rate += 18 / length
else:
interest_rate -= 18 / length
return {
'eligible': True,
'interest_rate': interest_rate
}
return {
'eligible': False,
'reason': MESSAGES.get('NON_ELIGIBLE_REQUEST')
}
elif _type == 'bronze':
if 500 <= amount <= 10000 and 6 <= length <= 48:
interest_rate = 14
if length <= 24:
interest_rate += 22 / length
else:
interest_rate -= 22 / length
return {
'eligible': True,
'interest_rate': interest_rate
}
return {
'eligible': False,
'reason': MESSAGES.get('NON_ELIGIBLE_REQUEST')
}
elif _type == 'silver':
if 500 <= amount <= 30000 and 6 <= length < 72:
interest_rate = 11
if length <= 36:
interest_rate += 34 / length
else:
interest_rate -= 34 / length
return {
'eligible': True,
'interest_rate': interest_rate
}
return {
'eligible': False,
'reason': MESSAGES.get('NON_ELIGIBLE_REQUEST')
}
elif _type == 'gold':
if 500 <= amount <= 50000 and 6 <= length < 96:
interest_rate = 8
if length <= 48:
interest_rate += 44 / length
else:
interest_rate -= 44 / length
return {
'eligible': True,
'interest_rate': interest_rate
}
return {
'eligible': False,
'reason': MESSAGES.get('NON_ELIGIBLE_REQUEST')
}
else:
return {
'eligible': False,
'reason': MESSAGES.get('WRONG_SCORE_TYPE')
}
def post(self, request):
user = request.user
requested_amount = request.data.get('amount')
requested_length = request.data.get('length')
errors = {}
if not requested_amount:
errors['amount'] = [
MESSAGES.get('FIELD_REQUIRED').format('This field')
]
if not requested_length:
errors['length'] = [
MESSAGES.get('FIELD_REQUIRED').format('This field')
]
loan_profile = LoanProfile.objects.filter(user=user)
if loan_profile.exists():
loan_profile = loan_profile.first()
loans = self.get_queryset().prefetch_related(
'loanpayment_set').filter(user=user)
for loan in loans:
loan_finished = True
total_amount = loan.amount + (loan.amount *
loan.interest_rate / 100)
amount = 0
for payment in loan.loanpayment_set.filter(status='paid'):
amount += payment.amount
if total_amount > amount:
loan_finished = False
if not loan_finished:
return Response({'detail': MESSAGES.get('UNPAID_LOAN')},
status=status.HTTP_400_BAD_REQUEST)
num_of_loans = len(loans)
else:
loan_profile = LoanProfile.objects.create(user=user, score=0)
num_of_loans = 0
lend_score = loan_profile.score
eligibility = is_eligible_lender(requested_amount, requested_length,
lend_score, num_of_loans)
if not eligibility['eligible']:
return Response({'detail': eligibility['reason']},
status=status.HTTP_400_BAD_REQUEST)
today = datetime.date.today()
deadline = today.replace(year=today.year +
math.ceil(requested_length / 12))
loan_request = Loan.objects.create(
user=user,
amount=requested_amount,
interest_rate=eligibility['interest_rate'],
status='ongoing',
deadline=deadline)
account = Account.objects.get(user=user)
account.balance += requested_amount
account.updated_at = datetime.datetime.now()
account.save()
Transaction.objects.create(id=generate_transaction_id(),
type='loan',
amount=requested_amount,
description='LOAN FOR {} {}'.format(
user.first_name, user.last_name),
account=account)
payment_deadline = add_months(today, 1)
payment_amount = requested_amount
payment_amount += payment_amount * eligibility['interest_rate'] / 100
payment_amount /= requested_length
LoanPayment.objects.create(loan=loan_request,
amount=payment_amount,
status='pending',
payment_date=None,
deadline=payment_deadline)
return Response({
'id': loan_request.id,
'monthly_payment_amount': payment_amount,
'loan_length': requested_length,
'loan_amount': requested_amount,
'interest_rate': eligibility['interest_rate'],
'next_payment_date': payment_deadline,
'loan_deadline': deadline
})