def test_calculate_principal_force_max_duration(self):
actual = calculate_principal(20000.0, "_Test Loan Plan Eco",
"2020-08-19", "2017-12-12")
expected = {
"principal": 300000.0,
"expected_eta": getdate("2022-12-31"),
"duration": 60,
"recovery_amount": 5000.0,
"initial_interest": 15000.0,
}
self.assertEqual(actual, expected)
def test_calculate_principal(self):
actual = calculate_principal(20000.0, "_Test Loan Plan Basic",
"2030-08-19", "2017-12-12")
expected = {
"principal": 400000.0,
"expected_eta": getdate("2022-12-31"),
"duration": 60,
"recovery_amount": 6666.67,
"initial_interest": 40000.0,
}
self.assertEqual(actual, expected)
def test_calculate_principal_end_date_before_loan_plan_max_duration(self):
actual = calculate_principal(20000.0, "_Test Loan Plan Basic",
"2020-08-19", "2017-12-12")
expected = {
"principal": 206666.67,
"expected_eta": getdate("2020-07-31"),
"duration": 31,
"recovery_amount": 6666.67,
"initial_interest": 21000.0,
}
self.assertEqual(actual, expected)
def test_calculate_principal_force_max_duration(self):
actual = calculate_principal(20000.0, '_Test Loan Plan Eco',
'2020-08-19', '2017-12-12')
expected = {
'principal': 300000.0,
'expected_eta': getdate('2022-12-31'),
'duration': 60,
'recovery_amount': 5000.0,
'initial_interest': 15000.0,
}
self.assertEqual(actual, expected)
def test_calculate_principal(self):
actual = calculate_principal(20000.0, '_Test Loan Plan Basic',
'2030-08-19', '2017-12-12')
expected = {
'principal': 400000.0,
'expected_eta': getdate('2022-12-31'),
'duration': 60,
'recovery_amount': 6666.67,
'initial_interest': 40000.0,
}
self.assertEqual(actual, expected)
def validate_allowable_amount(self, is_update=False):
effective_date = frappe.get_value(
'Loan Plan', self.loan_plan, 'effective_from'
)
if effective_date and \
getdate(effective_date) > getdate(self.posting_date):
return None
date_of_retirement, net_salary_amount = frappe.get_value(
'Microfinance Loanee',
{'customer': self.customer},
['date_of_retirement', 'net_salary_amount']
)
if not date_of_retirement or not net_salary_amount:
return None
allowed = calculate_principal(
income=net_salary_amount,
loan_plan=self.loan_plan,
end_date=date_of_retirement,
execution_date=self.posting_date,
)
loan_principal = flt(self.loan_principal)
recovery_amount = flt(self.recovery_amount)
if loan_principal > allowed.get('principal'):
frappe.throw(
"Requested principal cannot exceed {}".format(
_fmt_money(allowed.get('principal'))
)
)
tentative_outstanding = reduce(
lambda a, x: a + get_outstanding_principal(x),
map(pick('name'), _existing_loans_by(self.customer)),
loan_principal
)
if is_update:
before = self.get_doc_before_save()
tentative_outstanding -= before.loan_principal
if tentative_outstanding > allowed.get('principal'):
frappe.throw(
"Customer already has existing loans. "
"Total principal would exceed allowed {}".format(
_fmt_money(allowed.get('principal')),
)
)
if recovery_amount < tentative_outstanding / allowed.get('duration'):
frappe.throw(
"Recovery Amount cannot be less than {}".format(
_fmt_money(loan_principal / allowed.get('duration'))
)
)
def test_calculate_principal_end_date_before_loan_plan_max_duration(self):
actual = calculate_principal(
20000.0,
'_Test Loan Plan Basic',
'2020-08-19',
'2017-12-12',
)
expected = {
'principal': 206666.67,
'expected_eta': getdate('2020-07-31'),
'duration': 31,
'recovery_amount': 6666.67,
'initial_interest': 21000.0,
}
self.assertEqual(actual, expected)
def validate_allowable_amount(self, is_update=False):
loan_type = self.loan_type or frappe.db.get_value(
"Loan Plan", self.loan_plan, "loan_type")
if loan_type == "EMI":
return
effective_date = frappe.get_value("Loan Plan", self.loan_plan,
"effective_from")
if effective_date and getdate(effective_date) > getdate(
self.posting_date):
return None
date_of_retirement, net_salary_amount = frappe.get_value(
"Microfinance Loanee",
{"customer": self.customer},
["date_of_retirement", "net_salary_amount"],
)
if not date_of_retirement or not net_salary_amount:
return None
allowed = calculate_principal(
income=net_salary_amount,
loan_plan=self.loan_plan,
end_date=date_of_retirement,
execution_date=self.posting_date,
)
loan_principal = flt(self.loan_principal)
recovery_amount = flt(self.recovery_amount)
if loan_principal > allowed.get("principal"):
frappe.throw("Requested principal cannot exceed {}".format(
_fmt_money(allowed.get("principal"))))
tentative_outstanding = reduce(
lambda a, x: a + get_outstanding_principal(x),
map(pick("name"), _existing_loans_by(self.customer)),
loan_principal,
)
if is_update:
before = self.get_doc_before_save()
tentative_outstanding -= before.loan_principal
if tentative_outstanding > allowed.get("principal"):
frappe.throw("Customer already has existing loans. "
"Total principal would exceed allowed {}".format(
_fmt_money(allowed.get("principal"))))
if recovery_amount < tentative_outstanding / allowed.get("duration"):
frappe.throw("Recovery Amount cannot be less than {}".format(
_fmt_money(loan_principal / allowed.get("duration"))))