| /** |
| * Licensed to the Apache Software Foundation (ASF) under one |
| * or more contributor license agreements. See the NOTICE file |
| * distributed with this work for additional information |
| * regarding copyright ownership. The ASF licenses this file |
| * to you under the Apache License, Version 2.0 (the |
| * "License"); you may not use this file except in compliance |
| * with the License. You may obtain a copy of the License at |
| * |
| * http://www.apache.org/licenses/LICENSE-2.0 |
| * |
| * Unless required by applicable law or agreed to in writing, |
| * software distributed under the License is distributed on an |
| * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY |
| * KIND, either express or implied. See the License for the |
| * specific language governing permissions and limitations |
| * under the License. |
| */ |
| package org.apache.fineract.portfolio.loanaccount.guarantor.service; |
| |
| import jakarta.annotation.PostConstruct; |
| import java.math.BigDecimal; |
| import java.time.LocalDate; |
| import java.time.format.DateTimeFormatter; |
| import java.util.ArrayList; |
| import java.util.Arrays; |
| import java.util.HashMap; |
| import java.util.List; |
| import java.util.Locale; |
| import java.util.Map; |
| import lombok.RequiredArgsConstructor; |
| import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService; |
| import org.apache.fineract.infrastructure.core.data.ApiParameterError; |
| import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder; |
| import org.apache.fineract.infrastructure.core.domain.ExternalId; |
| import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException; |
| import org.apache.fineract.infrastructure.core.service.DateUtils; |
| import org.apache.fineract.infrastructure.core.service.ExternalIdFactory; |
| import org.apache.fineract.infrastructure.event.business.BusinessEventListener; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.LoanAdjustTransactionBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.LoanApprovedBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.LoanUndoApprovalBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.LoanUndoDisbursalBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionMakeRepaymentPostBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanUndoWrittenOffBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanWrittenOffPostBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService; |
| import org.apache.fineract.organisation.monetary.domain.MoneyHelper; |
| import org.apache.fineract.portfolio.account.PortfolioAccountType; |
| import org.apache.fineract.portfolio.account.data.AccountTransferDTO; |
| import org.apache.fineract.portfolio.account.domain.AccountTransferDetails; |
| import org.apache.fineract.portfolio.account.domain.AccountTransferType; |
| import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformService; |
| import org.apache.fineract.portfolio.loanaccount.domain.Loan; |
| import org.apache.fineract.portfolio.loanaccount.domain.LoanRepository; |
| import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction; |
| import org.apache.fineract.portfolio.loanaccount.guarantor.GuarantorConstants; |
| import org.apache.fineract.portfolio.loanaccount.guarantor.domain.Guarantor; |
| import org.apache.fineract.portfolio.loanaccount.guarantor.domain.GuarantorFundingDetails; |
| import org.apache.fineract.portfolio.loanaccount.guarantor.domain.GuarantorFundingRepository; |
| import org.apache.fineract.portfolio.loanaccount.guarantor.domain.GuarantorFundingTransaction; |
| import org.apache.fineract.portfolio.loanaccount.guarantor.domain.GuarantorFundingTransactionRepository; |
| import org.apache.fineract.portfolio.loanaccount.guarantor.domain.GuarantorRepository; |
| import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct; |
| import org.apache.fineract.portfolio.loanproduct.domain.LoanProductGuaranteeDetails; |
| import org.apache.fineract.portfolio.paymentdetail.domain.PaymentDetail; |
| import org.apache.fineract.portfolio.savings.domain.DepositAccountOnHoldTransaction; |
| import org.apache.fineract.portfolio.savings.domain.DepositAccountOnHoldTransactionRepository; |
| import org.apache.fineract.portfolio.savings.domain.SavingsAccount; |
| import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler; |
| import org.apache.fineract.portfolio.savings.domain.SavingsAccountTransaction; |
| import org.apache.fineract.portfolio.savings.exception.InsufficientAccountBalanceException; |
| import org.springframework.stereotype.Service; |
| |
| @Service |
| @RequiredArgsConstructor |
| public class GuarantorDomainServiceImpl implements GuarantorDomainService { |
| |
| private final GuarantorRepository guarantorRepository; |
| private final GuarantorFundingRepository guarantorFundingRepository; |
| private final GuarantorFundingTransactionRepository guarantorFundingTransactionRepository; |
| private final AccountTransfersWritePlatformService accountTransfersWritePlatformService; |
| private final BusinessEventNotifierService businessEventNotifierService; |
| private final DepositAccountOnHoldTransactionRepository depositAccountOnHoldTransactionRepository; |
| private final Map<Long, Long> releaseLoanIds = new HashMap<>(2); |
| private final SavingsAccountAssembler savingsAccountAssembler; |
| private final ConfigurationDomainService configurationDomainService; |
| private final ExternalIdFactory externalIdFactory; |
| private final LoanRepository loanRepository; |
| |
| @PostConstruct |
| public void addListeners() { |
| businessEventNotifierService.addPostBusinessEventListener(LoanApprovedBusinessEvent.class, new ValidateOnBusinessEvent()); |
| businessEventNotifierService.addPostBusinessEventListener(LoanApprovedBusinessEvent.class, new HoldFundsOnBusinessEvent()); |
| businessEventNotifierService.addPostBusinessEventListener(LoanUndoApprovalBusinessEvent.class, new UndoAllFundTransactions()); |
| businessEventNotifierService.addPostBusinessEventListener(LoanUndoDisbursalBusinessEvent.class, |
| new ReverseAllFundsOnBusinessEvent()); |
| businessEventNotifierService.addPostBusinessEventListener(LoanAdjustTransactionBusinessEvent.class, |
| new AdjustFundsOnBusinessEvent()); |
| businessEventNotifierService.addPostBusinessEventListener(LoanTransactionMakeRepaymentPostBusinessEvent.class, |
| new ReleaseFundsOnBusinessEvent()); |
| businessEventNotifierService.addPostBusinessEventListener(LoanWrittenOffPostBusinessEvent.class, new ReleaseAllFunds()); |
| businessEventNotifierService.addPostBusinessEventListener(LoanUndoWrittenOffBusinessEvent.class, new ReverseFundsOnBusinessEvent()); |
| } |
| |
| @Override |
| public void validateGuarantorBusinessRules(Loan loan) { |
| LoanProduct loanProduct = loan.loanProduct(); |
| BigDecimal principal = loan.getPrincipal().getAmount(); |
| if (loanProduct.isHoldGuaranteeFunds()) { |
| LoanProductGuaranteeDetails guaranteeData = loanProduct.getLoanProductGuaranteeDetails(); |
| final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan); |
| BigDecimal mandatoryAmount = principal.multiply(guaranteeData.getMandatoryGuarantee()).divide(BigDecimal.valueOf(100)); |
| BigDecimal minSelfAmount = principal.multiply(guaranteeData.getMinimumGuaranteeFromOwnFunds()).divide(BigDecimal.valueOf(100)); |
| BigDecimal minExtGuarantee = principal.multiply(guaranteeData.getMinimumGuaranteeFromGuarantor()) |
| .divide(BigDecimal.valueOf(100)); |
| |
| BigDecimal actualAmount = BigDecimal.ZERO; |
| BigDecimal actualSelfAmount = BigDecimal.ZERO; |
| BigDecimal actualExtGuarantee = BigDecimal.ZERO; |
| for (Guarantor guarantor : existGuarantorList) { |
| List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails(); |
| for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) { |
| if (guarantorFundingDetails.getStatus().isActive() || guarantorFundingDetails.getStatus().isWithdrawn() |
| || guarantorFundingDetails.getStatus().isCompleted()) { |
| if (guarantor.isSelfGuarantee()) { |
| actualSelfAmount = actualSelfAmount.add(guarantorFundingDetails.getAmount()) |
| .subtract(guarantorFundingDetails.getAmountTransfered()); |
| } else { |
| actualExtGuarantee = actualExtGuarantee.add(guarantorFundingDetails.getAmount()) |
| .subtract(guarantorFundingDetails.getAmountTransfered()); |
| } |
| } |
| } |
| } |
| |
| final List<ApiParameterError> dataValidationErrors = new ArrayList<>(); |
| final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor"); |
| if (actualSelfAmount.compareTo(minSelfAmount) < 0) { |
| baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_SELF_GUARANTEE_ERROR, |
| minSelfAmount); |
| } |
| |
| if (actualExtGuarantee.compareTo(minExtGuarantee) < 0) { |
| baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_EXTERNAL_GUARANTEE_ERROR, |
| minExtGuarantee); |
| } |
| actualAmount = actualAmount.add(actualExtGuarantee).add(actualSelfAmount); |
| if (actualAmount.compareTo(mandatoryAmount) < 0) { |
| baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_MANDATORY_GUARANTEE_ERROR, |
| mandatoryAmount); |
| } |
| |
| if (!dataValidationErrors.isEmpty()) { |
| throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.", |
| dataValidationErrors); |
| } |
| } |
| |
| } |
| |
| /** |
| * Method assigns a guarantor to loan and blocks the funds on guarantor's account |
| */ |
| @Override |
| public void assignGuarantor(final GuarantorFundingDetails guarantorFundingDetails, final LocalDate transactionDate) { |
| if (guarantorFundingDetails.getStatus().isActive()) { |
| SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount(); |
| savingsAccount.holdFunds(guarantorFundingDetails.getAmount()); |
| if (savingsAccount.getWithdrawableBalance().compareTo(BigDecimal.ZERO) < 0) { |
| final List<ApiParameterError> dataValidationErrors = new ArrayList<>(); |
| final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor"); |
| baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_INSUFFICIENT_BALANCE_ERROR, |
| savingsAccount.getId()); |
| throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.", |
| dataValidationErrors); |
| } |
| DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.hold(savingsAccount, |
| guarantorFundingDetails.getAmount(), transactionDate); |
| GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails, null, |
| onHoldTransaction); |
| guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction); |
| this.depositAccountOnHoldTransactionRepository.saveAndFlush(onHoldTransaction); |
| } |
| } |
| |
| /** |
| * Method releases(withdraw) a guarantor from loan and unblocks the funds on guarantor's account |
| */ |
| @Override |
| public void releaseGuarantor(final GuarantorFundingDetails guarantorFundingDetails, final LocalDate transactionDate) { |
| BigDecimal amoutForWithdraw = guarantorFundingDetails.getAmountRemaining(); |
| if (amoutForWithdraw.compareTo(BigDecimal.ZERO) > 0 && guarantorFundingDetails.getStatus().isActive()) { |
| SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount(); |
| savingsAccount.releaseFunds(amoutForWithdraw); |
| DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.release(savingsAccount, amoutForWithdraw, |
| transactionDate); |
| GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails, null, |
| onHoldTransaction); |
| guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction); |
| guarantorFundingDetails.releaseFunds(amoutForWithdraw); |
| guarantorFundingDetails.withdrawFunds(amoutForWithdraw); |
| guarantorFundingDetails.getLoanAccount().updateGuaranteeAmount(amoutForWithdraw.negate()); |
| this.depositAccountOnHoldTransactionRepository.saveAndFlush(onHoldTransaction); |
| this.guarantorFundingRepository.saveAndFlush(guarantorFundingDetails); |
| } |
| } |
| |
| /** |
| * Method is to recover funds from guarantor's in case loan is unpaid. (Transfers guarantee amount from guarantor's |
| * account to loan account and releases guarantor) |
| */ |
| @Override |
| public void transferFundsFromGuarantor(final Loan loan) { |
| if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) <= 0) { |
| return; |
| } |
| final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan); |
| final boolean isRegularTransaction = true; |
| final boolean isExceptionForBalanceCheck = true; |
| LocalDate transactionDate = DateUtils.getBusinessLocalDate(); |
| PortfolioAccountType fromAccountType = PortfolioAccountType.SAVINGS; |
| PortfolioAccountType toAccountType = PortfolioAccountType.LOAN; |
| final Long toAccountId = loan.getId(); |
| final String description = "Payment from guarantor savings"; |
| final Locale locale = null; |
| final DateTimeFormatter fmt = null; |
| final PaymentDetail paymentDetail = null; |
| final Integer fromTransferType = null; |
| final Integer toTransferType = null; |
| final Long chargeId = null; |
| final Integer loanInstallmentNumber = null; |
| final Integer transferType = AccountTransferType.LOAN_REPAYMENT.getValue(); |
| final AccountTransferDetails accountTransferDetails = null; |
| final String noteText = null; |
| |
| Long loanId = loan.getId(); |
| |
| for (Guarantor guarantor : existGuarantorList) { |
| final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails(); |
| for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) { |
| Loan freshLoan = loanRepository.findById(loanId).orElseThrow(); |
| if (guarantorFundingDetails.getStatus().isActive()) { |
| final SavingsAccount fromSavingsAccount = guarantorFundingDetails.getLinkedSavingsAccount(); |
| final Long fromAccountId = fromSavingsAccount.getId(); |
| releaseLoanIds.put(loanId, guarantorFundingDetails.getId()); |
| try { |
| BigDecimal remainingAmount = guarantorFundingDetails.getAmountRemaining(); |
| if (freshLoan.getGuaranteeAmount().compareTo(freshLoan.getPrincipal().getAmount()) > 0) { |
| remainingAmount = remainingAmount.multiply(freshLoan.getPrincipal().getAmount()) |
| .divide(freshLoan.getGuaranteeAmount(), MoneyHelper.getRoundingMode()); |
| } |
| ExternalId externalId = externalIdFactory.create(); |
| AccountTransferDTO accountTransferDTO = new AccountTransferDTO(transactionDate, remainingAmount, fromAccountType, |
| toAccountType, fromAccountId, toAccountId, description, locale, fmt, paymentDetail, fromTransferType, |
| toTransferType, chargeId, loanInstallmentNumber, transferType, accountTransferDetails, noteText, externalId, |
| null, null, fromSavingsAccount, isRegularTransaction, isExceptionForBalanceCheck); |
| transferAmount(accountTransferDTO); |
| } finally { |
| releaseLoanIds.remove(loanId); |
| } |
| } |
| } |
| } |
| |
| } |
| |
| /** |
| * @param accountTransferDTO |
| */ |
| private void transferAmount(final AccountTransferDTO accountTransferDTO) { |
| try { |
| this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO); |
| } catch (final InsufficientAccountBalanceException e) { |
| final List<ApiParameterError> dataValidationErrors = new ArrayList<>(); |
| final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor"); |
| baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_INSUFFICIENT_BALANCE_ERROR, |
| accountTransferDTO.getFromAccountId(), accountTransferDTO.getToAccountId()); |
| throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.", |
| dataValidationErrors, e); |
| |
| } |
| } |
| |
| /** |
| * Method reverses all blocked fund(both hold and release) transactions. example: reverses all transactions on undo |
| * approval of loan account. |
| * |
| */ |
| private void reverseAllFundTransaction(final Loan loan) { |
| |
| if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) > 0) { |
| final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan); |
| List<GuarantorFundingDetails> guarantorFundingDetailList = new ArrayList<>(); |
| for (Guarantor guarantor : existGuarantorList) { |
| final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails(); |
| for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) { |
| guarantorFundingDetails.undoAllTransactions(); |
| guarantorFundingDetailList.add(guarantorFundingDetails); |
| } |
| } |
| |
| if (!guarantorFundingDetailList.isEmpty()) { |
| loan.setGuaranteeAmount(null); |
| this.guarantorFundingRepository.saveAll(guarantorFundingDetailList); |
| } |
| } |
| } |
| |
| /** |
| * Method holds all guarantor's guarantee amount for a loan account. example: hold funds on approval of loan |
| * account. |
| * |
| */ |
| private void holdGuarantorFunds(final Loan loan) { |
| if (loan.loanProduct().isHoldGuaranteeFunds()) { |
| final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan); |
| List<GuarantorFundingDetails> guarantorFundingDetailList = new ArrayList<>(); |
| List<DepositAccountOnHoldTransaction> onHoldTransactions = new ArrayList<>(); |
| BigDecimal totalGuarantee = BigDecimal.ZERO; |
| List<Long> insufficientBalanceIds = new ArrayList<>(); |
| for (Guarantor guarantor : existGuarantorList) { |
| final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails(); |
| for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) { |
| if (guarantorFundingDetails.getStatus().isActive()) { |
| final SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount(); |
| if (loan.isApproved() && !loan.isDisbursed()) { |
| final List<SavingsAccountTransaction> transactions = new ArrayList<>(); |
| for (final SavingsAccountTransaction transaction : savingsAccount.getTransactions()) { |
| if (!DateUtils.isAfter(transaction.getTransactionDate(), loan.getApprovedOnDate())) { |
| transactions.add(transaction); |
| } |
| } |
| this.savingsAccountAssembler.setHelpers(savingsAccount); |
| savingsAccount.updateSavingsAccountSummary(transactions); |
| } |
| savingsAccount.holdFunds(guarantorFundingDetails.getAmount()); |
| totalGuarantee = totalGuarantee.add(guarantorFundingDetails.getAmount()); |
| DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.hold(savingsAccount, |
| guarantorFundingDetails.getAmount(), loan.getApprovedOnDate()); |
| onHoldTransactions.add(onHoldTransaction); |
| GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails, |
| null, onHoldTransaction); |
| guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction); |
| guarantorFundingDetailList.add(guarantorFundingDetails); |
| if (savingsAccount.getWithdrawableBalance().compareTo(BigDecimal.ZERO) < 0) { |
| insufficientBalanceIds.add(savingsAccount.getId()); |
| } |
| savingsAccount.updateSavingsAccountSummary(savingsAccount.getTransactions()); |
| } |
| } |
| } |
| if (!insufficientBalanceIds.isEmpty()) { |
| final List<ApiParameterError> dataValidationErrors = new ArrayList<>(); |
| final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.guarantor"); |
| baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode(GuarantorConstants.GUARANTOR_INSUFFICIENT_BALANCE_ERROR, |
| insufficientBalanceIds); |
| throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.", |
| dataValidationErrors); |
| |
| } |
| loan.setGuaranteeAmount(totalGuarantee); |
| if (!guarantorFundingDetailList.isEmpty()) { |
| this.depositAccountOnHoldTransactionRepository.saveAll(onHoldTransactions); |
| this.guarantorFundingRepository.saveAll(guarantorFundingDetailList); |
| } |
| } |
| } |
| |
| /** |
| * Method releases all guarantor's guarantee amount(first external guarantee and then self guarantee) for a loan |
| * account in the portion of guarantee percentage on a paid principal. example: releases funds on repayments of loan |
| * account. |
| * |
| */ |
| private void releaseGuarantorFunds(final LoanTransaction loanTransaction) { |
| final Loan loan = loanTransaction.getLoan(); |
| if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) > 0) { |
| final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan); |
| List<GuarantorFundingDetails> externalGuarantorList = new ArrayList<>(); |
| List<GuarantorFundingDetails> selfGuarantorList = new ArrayList<>(); |
| BigDecimal selfGuarantee = BigDecimal.ZERO; |
| BigDecimal guarantorGuarantee = BigDecimal.ZERO; |
| for (Guarantor guarantor : existGuarantorList) { |
| final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails(); |
| for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) { |
| if (guarantorFundingDetails.getStatus().isActive()) { |
| if (guarantor.isSelfGuarantee()) { |
| selfGuarantorList.add(guarantorFundingDetails); |
| selfGuarantee = selfGuarantee.add(guarantorFundingDetails.getAmountRemaining()); |
| } else if (guarantor.isExistingCustomer()) { |
| externalGuarantorList.add(guarantorFundingDetails); |
| guarantorGuarantee = guarantorGuarantee.add(guarantorFundingDetails.getAmountRemaining()); |
| } |
| } |
| } |
| } |
| |
| BigDecimal amountForRelease = loanTransaction.getPrincipalPortion(); |
| BigDecimal totalGuaranteeAmount = loan.getGuaranteeAmount(); |
| BigDecimal principal = loan.getPrincipal().getAmount(); |
| if ((amountForRelease != null) && (totalGuaranteeAmount != null)) { |
| amountForRelease = amountForRelease.multiply(totalGuaranteeAmount).divide(principal, MoneyHelper.getRoundingMode()); |
| List<DepositAccountOnHoldTransaction> accountOnHoldTransactions = new ArrayList<>(); |
| |
| BigDecimal amountLeft = calculateAndRelaseGuarantorFunds(externalGuarantorList, guarantorGuarantee, amountForRelease, |
| loanTransaction, accountOnHoldTransactions); |
| |
| if (amountLeft.compareTo(BigDecimal.ZERO) > 0) { |
| calculateAndRelaseGuarantorFunds(selfGuarantorList, selfGuarantee, amountLeft, loanTransaction, |
| accountOnHoldTransactions); |
| externalGuarantorList.addAll(selfGuarantorList); |
| } |
| |
| if (!externalGuarantorList.isEmpty()) { |
| this.depositAccountOnHoldTransactionRepository.saveAll(accountOnHoldTransactions); |
| this.guarantorFundingRepository.saveAll(externalGuarantorList); |
| } |
| } |
| } |
| |
| } |
| |
| /** |
| * Method releases all guarantor's guarantee amount. example: releases funds on write-off of a loan account. |
| * |
| */ |
| private void releaseAllGuarantors(final LoanTransaction loanTransaction) { |
| Loan loan = loanTransaction.getLoan(); |
| if (loan.getGuaranteeAmount().compareTo(BigDecimal.ZERO) > 0) { |
| final List<Guarantor> existGuarantorList = this.guarantorRepository.findByLoan(loan); |
| List<GuarantorFundingDetails> saveGuarantorFundingDetails = new ArrayList<>(); |
| List<DepositAccountOnHoldTransaction> onHoldTransactions = new ArrayList<>(); |
| for (Guarantor guarantor : existGuarantorList) { |
| final List<GuarantorFundingDetails> fundingDetails = guarantor.getGuarantorFundDetails(); |
| for (GuarantorFundingDetails guarantorFundingDetails : fundingDetails) { |
| BigDecimal amoutForRelease = guarantorFundingDetails.getAmountRemaining(); |
| if (amoutForRelease.compareTo(BigDecimal.ZERO) > 0 && guarantorFundingDetails.getStatus().isActive()) { |
| SavingsAccount savingsAccount = guarantorFundingDetails.getLinkedSavingsAccount(); |
| savingsAccount.releaseFunds(amoutForRelease); |
| DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.release(savingsAccount, |
| amoutForRelease, loanTransaction.getTransactionDate()); |
| onHoldTransactions.add(onHoldTransaction); |
| GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(guarantorFundingDetails, |
| loanTransaction, onHoldTransaction); |
| guarantorFundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction); |
| guarantorFundingDetails.releaseFunds(amoutForRelease); |
| saveGuarantorFundingDetails.add(guarantorFundingDetails); |
| |
| } |
| } |
| |
| } |
| |
| if (!saveGuarantorFundingDetails.isEmpty()) { |
| this.depositAccountOnHoldTransactionRepository.saveAll(onHoldTransactions); |
| this.guarantorFundingRepository.saveAll(saveGuarantorFundingDetails); |
| } |
| } |
| } |
| |
| /** |
| * Method releases guarantor's guarantee amount on transferring guarantee amount to loan account. example: on |
| * recovery of guarantee funds from guarantor's. |
| */ |
| private void completeGuarantorFund(final LoanTransaction loanTransaction) { |
| Loan loan = loanTransaction.getLoan(); |
| GuarantorFundingDetails guarantorFundingDetails = this.guarantorFundingRepository.findById(releaseLoanIds.get(loan.getId())) |
| .orElse(null); |
| if (guarantorFundingDetails != null) { |
| BigDecimal amountForRelease = loanTransaction.getAmount(loan.getCurrency()).getAmount(); |
| BigDecimal guarantorGuarantee = amountForRelease; |
| List<GuarantorFundingDetails> guarantorList = Arrays.asList(guarantorFundingDetails); |
| final List<DepositAccountOnHoldTransaction> accountOnHoldTransactions = new ArrayList<>(); |
| calculateAndRelaseGuarantorFunds(guarantorList, guarantorGuarantee, amountForRelease, loanTransaction, |
| accountOnHoldTransactions); |
| this.depositAccountOnHoldTransactionRepository.saveAll(accountOnHoldTransactions); |
| this.guarantorFundingRepository.saveAndFlush(guarantorFundingDetails); |
| } |
| } |
| |
| private BigDecimal calculateAndRelaseGuarantorFunds(List<GuarantorFundingDetails> guarantorList, BigDecimal totalGuaranteeAmount, |
| BigDecimal amountForRelease, LoanTransaction loanTransaction, |
| final List<DepositAccountOnHoldTransaction> accountOnHoldTransactions) { |
| BigDecimal amountLeft = amountForRelease; |
| for (GuarantorFundingDetails fundingDetails : guarantorList) { |
| BigDecimal guarantorAmount = amountForRelease.multiply(fundingDetails.getAmountRemaining()).divide(totalGuaranteeAmount, |
| MoneyHelper.getRoundingMode()); |
| if (fundingDetails.getAmountRemaining().compareTo(guarantorAmount) <= 0) { |
| guarantorAmount = fundingDetails.getAmountRemaining(); |
| } |
| fundingDetails.releaseFunds(guarantorAmount); |
| SavingsAccount savingsAccount = fundingDetails.getLinkedSavingsAccount(); |
| savingsAccount.releaseFunds(guarantorAmount); |
| DepositAccountOnHoldTransaction onHoldTransaction = DepositAccountOnHoldTransaction.release(savingsAccount, guarantorAmount, |
| loanTransaction.getTransactionDate()); |
| accountOnHoldTransactions.add(onHoldTransaction); |
| GuarantorFundingTransaction guarantorFundingTransaction = new GuarantorFundingTransaction(fundingDetails, loanTransaction, |
| onHoldTransaction); |
| fundingDetails.addGuarantorFundingTransactions(guarantorFundingTransaction); |
| amountLeft = amountLeft.subtract(guarantorAmount); |
| } |
| return amountLeft; |
| } |
| |
| /** |
| * Method reverses the fund release transactions in case of loan transaction reversed |
| */ |
| private void reverseTransaction(final List<Long> loanTransactionIds) { |
| |
| List<GuarantorFundingTransaction> fundingTransactions = this.guarantorFundingTransactionRepository |
| .fetchGuarantorFundingTransactions(loanTransactionIds); |
| for (GuarantorFundingTransaction fundingTransaction : fundingTransactions) { |
| fundingTransaction.reverseTransaction(); |
| } |
| if (!fundingTransactions.isEmpty()) { |
| this.guarantorFundingTransactionRepository.saveAll(fundingTransactions); |
| } |
| } |
| |
| private final class ValidateOnBusinessEvent implements BusinessEventListener<LoanApprovedBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanApprovedBusinessEvent event) { |
| Loan loan = event.get(); |
| validateGuarantorBusinessRules(loan); |
| } |
| } |
| |
| private final class HoldFundsOnBusinessEvent implements BusinessEventListener<LoanApprovedBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanApprovedBusinessEvent event) { |
| Loan loan = event.get(); |
| holdGuarantorFunds(loan); |
| } |
| } |
| |
| private final class ReleaseFundsOnBusinessEvent implements BusinessEventListener<LoanTransactionMakeRepaymentPostBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanTransactionMakeRepaymentPostBusinessEvent event) { |
| LoanTransaction loanTransaction = event.get(); |
| if (releaseLoanIds.containsKey(loanTransaction.getLoan().getId())) { |
| completeGuarantorFund(loanTransaction); |
| } else { |
| releaseGuarantorFunds(loanTransaction); |
| } |
| } |
| } |
| |
| private final class ReverseFundsOnBusinessEvent implements BusinessEventListener<LoanUndoWrittenOffBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanUndoWrittenOffBusinessEvent event) { |
| LoanTransaction loanTransaction = event.get(); |
| List<Long> reversedTransactions = new ArrayList<>(); |
| reversedTransactions.add(loanTransaction.getId()); |
| reverseTransaction(reversedTransactions); |
| } |
| } |
| |
| private final class AdjustFundsOnBusinessEvent implements BusinessEventListener<LoanAdjustTransactionBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanAdjustTransactionBusinessEvent event) { |
| LoanAdjustTransactionBusinessEvent.Data eventData = event.get(); |
| |
| LoanTransaction loanTransaction = eventData.getTransactionToAdjust(); |
| List<Long> reersedTransactions = new ArrayList<>(1); |
| reersedTransactions.add(loanTransaction.getId()); |
| reverseTransaction(reersedTransactions); |
| |
| LoanTransaction newTransaction = event.get().getNewTransactionDetail(); |
| if (newTransaction != null) { |
| releaseGuarantorFunds(newTransaction); |
| } |
| } |
| } |
| |
| private final class ReverseAllFundsOnBusinessEvent implements BusinessEventListener<LoanUndoDisbursalBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanUndoDisbursalBusinessEvent event) { |
| Loan loan = event.get(); |
| List<Long> reversedTransactions = new ArrayList<>(loan.findExistingTransactionIds()); |
| reverseTransaction(reversedTransactions); |
| } |
| } |
| |
| private final class UndoAllFundTransactions implements BusinessEventListener<LoanUndoApprovalBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanUndoApprovalBusinessEvent event) { |
| Loan loan = event.get(); |
| reverseAllFundTransaction(loan); |
| } |
| } |
| |
| private final class ReleaseAllFunds implements BusinessEventListener<LoanWrittenOffPostBusinessEvent> { |
| |
| @Override |
| public void onBusinessEvent(LoanWrittenOffPostBusinessEvent event) { |
| LoanTransaction loanTransaction = event.get(); |
| releaseAllGuarantors(loanTransaction); |
| } |
| } |
| |
| } |
