creditu-common-library 1.2.22 → 1.2.23

package/README.md

@@ -24,7 +24,7 @@ Los services expuestos son:
   - `ConstantsService`: es un servicio auxiliar, que contiene funciones que calculan constantes que, a su vez, agrupan parametros conocidos para diversos propósitos en cálculos financieros.
   - `CreditInsuranceService`: este servicio tiene funciones de cálculo para el dominio `Seguros`.
   - `FinanceService`: este servicio auxiliar tiene funciones genéricas de funciones financieras, como interés anual, mensual, etc.
-  - `InstallmentService`: este servicio tiene funciones de cálculo para el dominio `Dividendo`.
+  - `PaymentService`: este servicio tiene funciones de cálculo para el dominio `Dividendo`.
   - `LoanToValueService`: este servicio tiene funciones de cálculo para el dominio `LTV`.
   - `MaximumLocalService`: este servicio tiene funciones de cálculo para el dominio `Máximos Locales`.
   - `OfferService`: este servicio tiene funciones de cálculo para el dominio `Oferta`.

package/debt/models/dto/balances-output.dto.d.ts

@@ -7,12 +7,4 @@ export declare class BalancesOutput {
      * Arreglo de montos darios de IPCA
      */
     balanceMonetaryUpdateValues: number[];
-    /**
-     * Arreglo de montos darios aplicando IPCA considerando el tope maximo de pago de IPCA pactado con el cliente
-     */
-    balanceUpperBoundMonetaryUpdateValues: number[];
-    /**
-     * Arreglo de montos diarios de IPCA que exceden el tope maximo de pago de IPCA pactado con el cliente
-     */
-    inflationaryBoundDifferenceValues: number[];
 }

package/debt/models/dto/debt-response.dto.d.ts

@@ -96,4 +96,8 @@ export declare class DebtResponse {
      * Cargo por mora
      */
     lateCharges: number;
+    /**
+     * Cargo por mora
+     */
+    lateRate: number;
 }

package/debt/services/amortization-service.d.ts

@@ -5,7 +5,7 @@ export declare class AmortizationService {
     private readonly math;
     constructor(math: MathService);
     private getPago;
-    getAmortizationIPC(previousBalance: number, inflationaryUpperBound: number, amortizationDiff: number, IPCAupdate: number): number;
+    getAmortizationIPC(upperBound: number, amortizationDiff: number, IPCAupdate: number): number;
     getAmortizationDiffGerman(previousBalance: number, balance: number, numberOfMonths: number): number;
     /**
      *

package/debt/services/amortization-service.js

@@ -14,14 +14,10 @@ var AmortizationService = /** @class */ (function () {
         var c = this.math.subtract(a, 1);
         return this.math.multiply(this.math.divide(b, c), balance);
     };
-    // previousBalance*inflationaryUpperBound - amortizationDiff
-    AmortizationService.prototype.getAmortizationIPC = function (previousBalance, inflationaryUpperBound, amortizationDiff, IPCAupdate) {
-        // const condition1 = previousBalance * inflationaryUpperBound > IPCAupdate;
-        var condition1 = this.math.multiply(previousBalance, inflationaryUpperBound) > this.math.subtract(IPCAupdate, amortizationDiff); // IPCAupdate - amortizationDiff
-        if (!condition1) {
-            // se reestablece el dia 25-03-2022 tras reunion con thais y el equipo, volviendo a resta la diferencia de amortizacion para este caso.
-            return this.math.round(this.math.subtract(this.math.multiply(previousBalance, inflationaryUpperBound), amortizationDiff), 2);
-            // return this.math.round(this.math.multiply(previousBalance, inflationaryUpperBound), 2);
+    AmortizationService.prototype.getAmortizationIPC = function (upperBound, amortizationDiff, IPCAupdate) {
+        var condition1 = upperBound < IPCAupdate;
+        if (condition1) {
+            return this.math.round(this.math.subtract(upperBound, amortizationDiff), 2);
         }
         return this.math.subtract(IPCAupdate, amortizationDiff);
     };

package/debt/services/balance-service.d.ts

@@ -10,7 +10,7 @@ export declare class BalanceService {
      * @param dailyInflationaryUpperBound
      * @param previousBalance
      */
-    getBalances(dailyIPCAvalues: number[], dailyInflationaryUpperBound: number[], previousBalance: PreviousBalance): BalancesOutput;
+    getBalances(dailyIPCAvalues: number[], previousBalance: PreviousBalance): BalancesOutput;
     /**
      * Calcula el balance despues del pago
      * previousBalance + IPCAupdate - amortizationIPC -amortization

package/debt/services/balance-service.js

@@ -14,35 +14,25 @@ var BalanceService = /** @class */ (function () {
      * @param dailyInflationaryUpperBound
      * @param previousBalance
      */
-    BalanceService.prototype.getBalances = function (dailyIPCAvalues, dailyInflationaryUpperBound, previousBalance) {
+    BalanceService.prototype.getBalances = function (dailyIPCAvalues, previousBalance) {
         var _this = this;
         if (dailyIPCAvalues === undefined || dailyIPCAvalues.length === 0)
             throw new Error('invalid dailyIPCAvalues on Balances calculation');
-        if (dailyInflationaryUpperBound === undefined || dailyInflationaryUpperBound.length === 0)
-            throw new Error('invalid dailyInflationaryUpperBound on Balances calculation');
         guarder_1.Guarder.defined(previousBalance, 'PreviousBalance');
         if (previousBalance.value() < 0)
             throw new Error('invalid previousBalance on Balances calculation');
         var balances = [previousBalance.value()];
         var balanceMonetaryUpdateValues = [];
-        var balanceUpperBoundMonetaryUpdateValues = [];
-        var inflationaryBoundDifferenceValues = [];
-        dailyIPCAvalues.forEach(function (dailyIPCA, index) {
+        dailyIPCAvalues.forEach(function (dailyIPCA) {
             var previusBalanceUsed = balances[balances.length - 1];
             var balanceMonetaryUpdate = _this.math.multiply(dailyIPCA, previusBalanceUsed);
             balanceMonetaryUpdateValues.push(balanceMonetaryUpdate);
             balances.push(_this.math.add(balanceMonetaryUpdate, previusBalanceUsed));
-            var balanceUpperBoundMonetaryUpdate = dailyInflationaryUpperBound[index] < dailyIPCA ? _this.math.multiply(previusBalanceUsed, dailyInflationaryUpperBound[index]) : 0;
-            balanceUpperBoundMonetaryUpdateValues.push(balanceUpperBoundMonetaryUpdate);
-            var inflationaryBoundDifference = balanceUpperBoundMonetaryUpdate ? _this.math.subtract(balanceMonetaryUpdate, balanceUpperBoundMonetaryUpdate) : 0;
-            inflationaryBoundDifferenceValues.push(inflationaryBoundDifference);
         });
         balances.splice(0, 1);
         return {
             balances: balances,
-            balanceMonetaryUpdateValues: balanceMonetaryUpdateValues,
-            balanceUpperBoundMonetaryUpdateValues: balanceUpperBoundMonetaryUpdateValues,
-            inflationaryBoundDifferenceValues: inflationaryBoundDifferenceValues
+            balanceMonetaryUpdateValues: balanceMonetaryUpdateValues
         };
     };
     /**

package/debt/services/index.d.ts

@@ -1,8 +1,8 @@
 import { AmortizationService } from './amortization-service';
 import { InsuranceService } from './insurance-service';
 import { IPCAService } from './ipca.service';
-import { PaymentService } from './payment-service';
+import { MonthlyPaymentService } from './monthly-payment-service';
 import { InterestService } from './interest.service';
 import { InstallmentService } from './installment-service';
 import { LateService } from './late.service';
-export { AmortizationService, InsuranceService, IPCAService, PaymentService, InterestService, InstallmentService, LateService };
+export { AmortizationService, InsuranceService, IPCAService, MonthlyPaymentService, InterestService, InstallmentService, LateService };

package/debt/services/index.js

@@ -1,14 +1,14 @@
 "use strict";
 Object.defineProperty(exports, "__esModule", { value: true });
-exports.LateService = exports.InstallmentService = exports.InterestService = exports.PaymentService = exports.IPCAService = exports.InsuranceService = exports.AmortizationService = void 0;
+exports.LateService = exports.InstallmentService = exports.InterestService = exports.MonthlyPaymentService = exports.IPCAService = exports.InsuranceService = exports.AmortizationService = void 0;
 var amortization_service_1 = require("./amortization-service");
 Object.defineProperty(exports, "AmortizationService", { enumerable: true, get: function () { return amortization_service_1.AmortizationService; } });
 var insurance_service_1 = require("./insurance-service");
 Object.defineProperty(exports, "InsuranceService", { enumerable: true, get: function () { return insurance_service_1.InsuranceService; } });
 var ipca_service_1 = require("./ipca.service");
 Object.defineProperty(exports, "IPCAService", { enumerable: true, get: function () { return ipca_service_1.IPCAService; } });
-var payment_service_1 = require("./payment-service");
-Object.defineProperty(exports, "PaymentService", { enumerable: true, get: function () { return payment_service_1.PaymentService; } });
+var monthly_payment_service_1 = require("./monthly-payment-service");
+Object.defineProperty(exports, "MonthlyPaymentService", { enumerable: true, get: function () { return monthly_payment_service_1.MonthlyPaymentService; } });
 var interest_service_1 = require("./interest.service");
 Object.defineProperty(exports, "InterestService", { enumerable: true, get: function () { return interest_service_1.InterestService; } });
 var installment_service_1 = require("./installment-service");

package/debt/services/installment-service.d.ts

@@ -8,11 +8,10 @@ export declare class InstallmentService {
     private readonly insuranceService;
     private readonly ipcaService;
     private readonly amortizationService;
-    private readonly paymentService;
+    private readonly monthlyPaymentService;
     private readonly interestService;
     private readonly balanceService;
     private readonly lateService;
-    private fixIPCAmap;
     /**
      * Calcula el total del pago mensual para una cuota
      * @param inputs

package/debt/services/installment-service.js

@@ -8,7 +8,7 @@ var math_1 = require("../../math");
 var insurance_service_1 = require("./insurance-service");
 var ipca_service_1 = require("./ipca.service");
 var amortization_service_1 = require("./amortization-service");
-var payment_service_1 = require("./payment-service");
+var monthly_payment_service_1 = require("./monthly-payment-service");
 var interest_service_1 = require("./interest.service");
 var balance_service_1 = require("./balance-service");
 var amortization_method_enum_1 = require("../../shared/models/enum/amortization-method.enum");
@@ -19,84 +19,59 @@ var InstallmentService = /** @class */ (function () {
         this.insuranceService = new insurance_service_1.InsuranceService(this.math);
         this.ipcaService = new ipca_service_1.IPCAService(this.math);
         this.amortizationService = new amortization_service_1.AmortizationService(this.math);
-        this.paymentService = new payment_service_1.PaymentService(this.math);
+        this.monthlyPaymentService = new monthly_payment_service_1.MonthlyPaymentService(this.math);
         this.interestService = new interest_service_1.InterestService(this.math);
         this.balanceService = new balance_service_1.BalanceService(this.math);
         this.lateService = new late_service_1.LateService(this.math);
         this.math = new math_1.MathService(true, 10);
     }
-    InstallmentService.prototype.fixIPCAmap = function (IPCAmap) {
-        var fechaInicio = Object.keys(IPCAmap)[0];
-        var nuevaFechainidico = new creditu_date_model_1.DateModel(fechaInicio).addDays(1).toString();
-        IPCAmap[nuevaFechainidico] = IPCAmap[fechaInicio];
-        delete IPCAmap[fechaInicio];
-        var keysOrdenadas = Object.keys(IPCAmap).sort();
-        var IPCAmapfixed = {};
-        // eslint-disable-next-line no-return-assign
-        keysOrdenadas.forEach(function (key) { return IPCAmapfixed[key] = IPCAmap[key]; });
-        return IPCAmapfixed;
-    };
     /**
      * Calcula el total del pago mensual para una cuota
      * @param inputs
      * @param params
      */
     InstallmentService.prototype.getTotalMonthlyPayment = function (inputs, params) {
-        if (inputs.paymentNumber.value() !== 1) {
-            inputs.IPCAmap = this.fixIPCAmap(inputs.IPCAmap);
-        }
         var IPCAByDates = this.ipcaService.getIPCAsByDates(inputs.IPCAmap);
-        var dates = IPCAByDates.map(function (obj) { return obj.date; });
         var dailyIPCAvalues = IPCAByDates.map(function (obj) { return obj.dailyIPCA; });
-        if (inputs.paymentNumber.value() === 1) {
-            dailyIPCAvalues = dailyIPCAvalues.slice(1);
-        }
-        var dailyInflationaryUpperBound = this.ipcaService.getDailyInflationaryUpperBound(dates, inputs.inflationaryUpperBound);
-        var balanceValues = this.balanceService.getBalances(dailyIPCAvalues, dailyInflationaryUpperBound, inputs.previousBalance);
-        var dailyRate = this.interestService.getDailyInterestValue(params.annualRate);
+        dailyIPCAvalues = dailyIPCAvalues.slice(1);
+        var balanceValues = this.balanceService.getBalances(dailyIPCAvalues, inputs.previousBalance);
         var balance = this.balanceService.getBalance(balanceValues.balances);
-        var startDate = Object.keys(inputs.IPCAmap)[0];
+        var startDate = new creditu_date_model_1.DateModel(Object.keys(inputs.IPCAmap)[0]).addDays(1).toString();
         var endDate = Object.keys(inputs.IPCAmap).pop();
-        var proportionalDays = inputs.paymentNumber.value() === 1 ? this.interestService.getProportionalDays(startDate, endDate) : 1;
+        var proportionalDays = this.interestService.getProportionalDays(startDate, endDate);
         var interest = this.interestService.getInterest(inputs.previousBalance.value(), params.annualRate, proportionalDays);
-        var interestDiff = this.interestService.getInterestDiff(balanceValues.balances, params.annualRate, proportionalDays, interest);
-        var interestIUB = this.math.add(interest, interestDiff);
+        var interestIUB = this.interestService.getInterestIUB(balanceValues.balances, params.annualRate, proportionalDays);
+        var interestDiff = this.math.subtract(interestIUB, interest);
         var amortizationIUB;
         var amortizationDiff;
         if (inputs.amortizationMethod === amortization_method_enum_1.AmortizationMethod.GERMAN) {
             amortizationIUB = this.amortizationService.getAmortizationGerman(inputs.paymentNumber, inputs.numberOfMonths, balance);
             amortizationDiff = this.amortizationService.getAmortizationDiffGerman(inputs.previousBalance.value(), balance, inputs.numberOfMonths.value());
         }
-        else {
+        else if (inputs.amortizationMethod === amortization_method_enum_1.AmortizationMethod.FRENCH) {
             var monthlyRate = this.interestService.getMonthlyInterestValue(params.annualRate);
             amortizationIUB = this.amortizationService.getAmortizationFrench(monthlyRate, inputs.numberOfMonths.value(), balance, inputs.paymentNumber.value());
             amortizationDiff = this.amortizationService.getAmortizationDiffFrench(monthlyRate, inputs.numberOfMonths.value(), inputs.previousBalance.value(), balance, inputs.paymentNumber.value());
         }
         var ipcaUpdate = this.ipcaService.getIPCAUpdate(balanceValues.balanceMonetaryUpdateValues);
-        var postponedInflationaryUpdate = this.ipcaService.getPosponedInflationaryUpdate(inputs.previousBalance.value(), inputs.inflationaryUpperBound, ipcaUpdate, amortizationDiff);
-        var amortizationIPCA = this.amortizationService.getAmortizationIPC(inputs.previousBalance.value(), inputs.inflationaryUpperBound, amortizationDiff, ipcaUpdate);
+        var upperBound = this.math.multiply(inputs.previousBalance.value(), inputs.inflationaryUpperBound);
+        var amortizationIPCA = this.amortizationService.getAmortizationIPC(upperBound, amortizationDiff, ipcaUpdate);
+        var postponedInflationaryUpdate = this.ipcaService.getPosponedInflationaryUpdate(upperBound, ipcaUpdate, amortizationDiff, amortizationIPCA);
         var amortization = this.math.subtract(amortizationIUB, postponedInflationaryUpdate, amortizationDiff);
-        var monthlyPayment = this.paymentService.getMonthlyPayment(interest, amortization);
-        // const balanceAfterOLD = this.balanceService.getBalanceAfter(inputs.previousBalance, ipcaUpdate, amortizationIUB, amortizationIPCA);
+        var monthlyPayment = this.monthlyPaymentService.getMonthlyPayment(interest, amortization);
         var balanceAfter = this.math.subtract(inputs.previousBalance.value(), amortization);
-        // const diferencia = this.math.subtract(amortization, balanceAfter);
-        // console.log('file: installment-service.ts ~ line 100 ~ diferencia', diferencia);
         var insurancePeriods = this.insuranceService.getInsurancePeriods(inputs.IPCAmap, inputs.paymentNumber.value(), inputs.numberOfMonths.value());
         var lifeInsuranceBalance = this.insuranceService.getLifeInsuranceBalance(IPCAByDates, balanceValues.balances);
         var debtorLifeInsuranceFee = this.insuranceService.getInsuranceFee(lifeInsuranceBalance, params.debtorLifeInsuranceRate, insurancePeriods);
         var codebtorLifeInsuranceFee = params.codebtorLifeInsuranceRate ? this.insuranceService.getInsuranceFee(lifeInsuranceBalance, params.codebtorLifeInsuranceRate, insurancePeriods) : 0;
         var propertyInsuranceFee = this.insuranceService.getInsuranceFee(inputs.propertyAmount, params.propertyInsuranceRate, insurancePeriods);
-        // TODO: Cambiar.
-        // const monthlyPaymentWithInsurances = this.math.add(monthlyPayment, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee);
-        var monthlyPaymentWithInsurances = this.math.add(interest, interestDiff, amortizationIUB, amortizationIPCA, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee);
-        // const totalLateByDates = lateService.getTotalMonthlyPayment(payment.dueDate, today,
-        // installment.monthlyPaymentWithInsurances, lateChargesFineRate,
-        // dailyInterestRate, IPCAmapLate, lateChargesInterestRate);
+        var monthlyPaymentWithInsurances = this.monthlyPaymentService.getMonthlyPaymentWithInsurances(interest, interestDiff, amortizationIUB, amortizationIPCA, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee);
+        var dailyRate = this.interestService.getDailyInterestValue(params.annualRate);
         var lateChargesFineRate = params.lateChargesFineRate, lateChargesInterestRate = params.lateChargesInterestRate;
         var IPCAmapLate = inputs.IPCAmapLate, todayIn = inputs.today;
         var today = todayIn || new creditu_date_model_1.DateModel().toString();
-        var dailyInterestRate = this.interestService.getDailyInterestValue(params.annualRate);
-        var totalLateByDates = this.lateService.getTotalMonthlyPayment(endDate, today, monthlyPaymentWithInsurances, lateChargesFineRate, dailyInterestRate, IPCAmapLate, lateChargesInterestRate);
+        var _a = this.lateService.getTotalMonthlyPayment(endDate, today, monthlyPaymentWithInsurances, lateChargesFineRate, dailyRate, IPCAmapLate, lateChargesInterestRate), monthlyPaymentWithLate = _a.monthlyPaymentWithLate, lateDays = _a.lateDays, lateInterest = _a.lateInterest, lateCharges = _a.lateCharges;
+        var lateRate = this.lateService.getLateRate(lateChargesInterestRate, dailyRate, dailyIPCAvalues);
         return {
             IPCAByDates: IPCAByDates,
             balanceValues: balanceValues,
@@ -109,7 +84,7 @@ var InstallmentService = /** @class */ (function () {
             interestIUB: interestIUB,
             monthlyPayment: monthlyPayment,
             monthlyPaymentWithInsurances: monthlyPaymentWithInsurances,
-            monthlyPaymentWithLate: totalLateByDates.totalMonthlyPayment,
+            monthlyPaymentWithLate: monthlyPaymentWithLate,
             amortization: amortization,
             amortizationDiff: amortizationDiff,
             amortizationIUB: amortizationIUB,
@@ -118,9 +93,10 @@ var InstallmentService = /** @class */ (function () {
             debtorLifeInsuranceFee: debtorLifeInsuranceFee,
             codebtorLifeInsuranceFee: codebtorLifeInsuranceFee,
             propertyInsuranceFee: propertyInsuranceFee,
-            lateDays: totalLateByDates.lateDays,
-            lateInterest: totalLateByDates.lateInterest,
-            lateCharges: totalLateByDates.lateChargesInterest
+            lateDays: lateDays,
+            lateInterest: lateInterest,
+            lateCharges: lateCharges,
+            lateRate: lateRate
         };
     };
     return InstallmentService;

package/debt/services/insurance-service.js

@@ -59,14 +59,16 @@ var InsuranceService = /** @class */ (function () {
     InsuranceService.prototype.getLifeInsuranceBalance = function (IPCAByDatesIn, balances) {
         var IPCAByDates = JSON.parse(JSON.stringify(IPCAByDatesIn));
         // se quita el día de la firma
+        // if (IPCAByDatesIn.length !== balances.length)
         IPCAByDates.shift();
-        var _a = IPCAByDates[IPCAByDates.length - 1].date.split('-'), lastYear = _a[0], lastMonth = _a[1];
+        var _a = IPCAByDates[IPCAByDates.length - 1].date.split('-'), lastMonth = _a[1];
         var lastIndex;
         IPCAByDates.forEach(function (obj, index) {
-            var _a = obj.date.split('-'), year = _a[0], month = _a[1];
-            var cond = year !== lastYear || month !== lastMonth;
-            if (cond)
+            var _a = obj.date.split('-'), month = _a[1];
+            var cond = month !== lastMonth;
+            if (cond) {
                 lastIndex = index;
+            }
         });
         return lastIndex ? balances[lastIndex] : balances.shift();
     };

package/debt/services/interest.service.d.ts

@@ -33,6 +33,6 @@ export declare class InterestService {
      * @param annualRate
      * @param proportion
      */
-    getInterestDiff(balanceValues: number[], annualRate: number, proportion: number, interest: any): number;
+    getInterestIUB(balanceValues: number[], annualRate: number, proportion: number): number;
     getInterest(previusBalance: number, annualRate: number, proportion: number): number;
 }

package/debt/services/interest.service.js

@@ -43,33 +43,18 @@ var InterestService = /** @class */ (function () {
      * @param startDate
      * @param endDate
      */
+    // eslint-disable-next-line class-methods-use-this
     InterestService.prototype.getProportionalDays = function (startDate, endDate) {
-        var _this = this;
-        var startDateModel = new creditu_date_model_1.DateModel(startDate).addDays(1);
-        var endDateModel = new creditu_date_model_1.DateModel(endDate);
-        var periodArray = [];
-        var _loop_1 = function () {
-            var _b = startDateModel.toString().split('-'), year_1 = _b[0], month_1 = _b[1];
-            var currentPeriod = "".concat(year_1, "-").concat(month_1);
-            var periodIndex = periodArray.findIndex(function (periodObject) { return periodObject.period === currentPeriod; });
-            if (periodIndex === -1) {
-                periodArray.push({ currentPeriod: currentPeriod, days: 1 });
-            }
-            else {
-                periodArray[periodIndex].days += 1;
-            }
-            startDateModel = startDateModel.addDays(1);
-        };
-        while (startDateModel <= endDateModel) {
-            _loop_1();
-        }
-        // Se utiliza el primer mes antes del vencimiento de la cuota para el total de días a considerar en la proporción para el interés.
-        var monthBeforeEndDate = endDateModel.substractMonths(1);
-        var _a = monthBeforeEndDate.toString().split('-'), year = _a[0], month = _a[1];
-        var daysOfMonth = new Date(Number(year), Number(month), 0).getDate();
-        var proportion = periodArray.reduce(function (proportion, element) { return proportion + _this.math.multiply(_this.math.divide(1, daysOfMonth), element.days); }, 0);
-        // return this.math.round(proportion, 2);
-        return proportion;
+        // primero consigo el mes anterior a la fecha de vencimiento
+        var datePreviusMonth = new creditu_date_model_1.DateModel(endDate).subtractMonths(1);
+        var _a = datePreviusMonth.toString().split('-'), year = _a[0], month = _a[1];
+        // calculo sus días
+        var daysOfpreviusMonth = new Date(Number(year), Number(month), 0).getDate();
+        // calculo los días del periodo
+        var startDateModel = new creditu_date_model_1.DateModel(startDate);
+        var totalDays = new creditu_date_model_1.DateModel(endDate).daysDiff(startDateModel) + 1; // +1 porque se considera el día de pago
+        // Hago la proporción
+        return totalDays / daysOfpreviusMonth;
     };
     /**
      * Calcula el interes (sin inflación) a partir del interes diario
@@ -77,15 +62,14 @@ var InterestService = /** @class */ (function () {
      * @param annualRate
      * @param proportion
      */
-    InterestService.prototype.getInterestDiff = function (balanceValues, annualRate, proportion, interest) {
+    InterestService.prototype.getInterestIUB = function (balanceValues, annualRate, proportion) {
         var lastBalance = balanceValues[balanceValues.length - 1];
-        var interestIPCA = this.math.multiply(lastBalance, this.getMonthlyInterestValue(annualRate), proportion);
-        var interestIPCAdiff = this.math.subtract(interestIPCA, interest);
-        return this.math.round(interestIPCAdiff, 2);
+        var interestIUB = this.math.multiply(lastBalance, this.getMonthlyInterestValue(annualRate), proportion);
+        return this.math.round(interestIUB, 2);
     };
     InterestService.prototype.getInterest = function (previusBalance, annualRate, proportion) {
-        // const lastBalance = balanceValues[balanceValues.length - 1];
-        var interest = this.math.multiply(previusBalance, this.getMonthlyInterestValue(annualRate));
+        var monthlyInterest = this.getMonthlyInterestValue(annualRate);
+        var interest = this.math.multiply(previusBalance, monthlyInterest);
         return this.math.round(this.math.multiply(interest, proportion), 2);
     };
     return InterestService;

package/debt/services/ipca.service.d.ts

@@ -5,18 +5,11 @@ export declare class IPCAService {
     constructor(math: MathService);
     private calculateDaysOfMonth;
     private getDailyIPCA;
-    private getInflationaryUpperBound;
     /**
      * Permite obtener los IPCA diarios desde la fecha inicio y fecha final del IPCAmap
      * @param IPCAmap
      */
     getIPCAsByDates(IPCAmap: Record<string, number>): DailyIPCAOutput[];
-    /**
-     * Calcula los topes diarios de inflacion que el cliente esta dispuesto a pagar
-     * @param dates
-     * @param inflationaryUpperBound
-     */
-    getDailyInflationaryUpperBound(dates: string[], inflationaryUpperBound: any): number[];
     getLastInflationaryBoundDifference(inflationaryBoundDifferenceValues: number[]): number;
     /**
      * Obtiene el valor de IPCAUpdate
@@ -29,5 +22,5 @@ export declare class IPCAService {
      * @param IPCAupdate Correción monetaria del balance por IPCA
      * @param amortizationDiff ...
      */
-    getPosponedInflationaryUpdate(previusBalance: number, inflationaryUpperBound: number, IPCAupdate: number, amortizationDiff: number): number;
+    getPosponedInflationaryUpdate(upperBound: number, IPCUpdate: number, amortizationDiff: number, amortizationIPCA: number): number;
 }

package/debt/services/ipca.service.js

@@ -20,11 +20,6 @@ var IPCAService = /** @class */ (function () {
         var preResult = Math.pow(op1, op2);
         return this.math.round(this.math.subtract(preResult, 1), 10);
     };
-    IPCAService.prototype.getInflationaryUpperBound = function (inflationaryUpperBound, days) {
-        var sum = this.math.add(1, inflationaryUpperBound);
-        var div = this.math.divide(1, days);
-        return this.math.round((Math.pow(sum, div) - 1), 10);
-    };
     /**
      * Permite obtener los IPCA diarios desde la fecha inicio y fecha final del IPCAmap
      * @param IPCAmap
@@ -59,24 +54,6 @@ var IPCAService = /** @class */ (function () {
         });
         return ipcaValues;
     };
-    /**
-     * Calcula los topes diarios de inflacion que el cliente esta dispuesto a pagar
-     * @param dates
-     * @param inflationaryUpperBound
-     */
-    IPCAService.prototype.getDailyInflationaryUpperBound = function (dates, inflationaryUpperBound) {
-        var _this = this;
-        if (dates === undefined || dates.length === 0)
-            throw new Error('dates array is empty on DailyInflationaryUpperBound calculation');
-        if (inflationaryUpperBound === undefined || inflationaryUpperBound === null)
-            throw new Error('invalid inflationaryUpperBound on DailyInflationaryUpperBound calculation');
-        var result = dates.map(function (date) {
-            var _a = date.split('-').map(function (string) { return parseInt(string, 10); }), year = _a[0], month = _a[1];
-            var daysOfMonth = _this.calculateDaysOfMonth(year, month);
-            return _this.getInflationaryUpperBound(inflationaryUpperBound, daysOfMonth);
-        });
-        return result;
-    };
     IPCAService.prototype.getLastInflationaryBoundDifference = function (inflationaryBoundDifferenceValues) {
         if (inflationaryBoundDifferenceValues === undefined || inflationaryBoundDifferenceValues.length === 0) {
             throw new Error('invalid inflationaryBoundDifferenceValues on inflationaryBoundDifference calculation');
@@ -100,10 +77,8 @@ var IPCAService = /** @class */ (function () {
      * @param IPCAupdate Correción monetaria del balance por IPCA
      * @param amortizationDiff ...
      */
-    IPCAService.prototype.getPosponedInflationaryUpdate = function (previusBalance, inflationaryUpperBound, IPCAupdate, amortizationDiff) {
-        var a = this.math.multiply(previusBalance, inflationaryUpperBound);
-        var b = this.math.subtract(IPCAupdate, amortizationDiff);
-        return a > b ? 0 : b - a;
+    IPCAService.prototype.getPosponedInflationaryUpdate = function (upperBound, IPCUpdate, amortizationDiff, amortizationIPCA) {
+        return upperBound < IPCUpdate ? this.math.subtract(IPCUpdate, amortizationDiff, amortizationIPCA) : 0;
     };
     return IPCAService;
 }());

package/debt/services/late.service.d.ts

@@ -21,10 +21,11 @@ export declare class LateService {
     getLateDaysAndIPCA(startDate: string, endDate: string, ipcaValues: Record<string, number>): any[];
     getTotalLateByDates(dueDate: string, date: string, totalMonthlyPayment: number, lateChargesFineRate: number, dailyRateInterest: number, ipcaValues: Record<string, number>, lateChargesInterestRate: number): any[];
     getTotalMonthlyPayment(dueDateIn: string, date: string, totalMonthlyPayment: number, lateChargesFineRate: number, dailyInterestRate: number, ipcaValues: Record<string, number>, lateChargesInterestRate: number): {
-        totalMonthlyPayment: any;
+        monthlyPaymentWithLate: any;
         lateInterest: any;
         lateAmotizationIPCA: any;
-        lateChargesInterest: any;
+        lateCharges: any;
         lateDays: number;
     };
+    getLateRate(lateChargesInterestRate: number, dailyRate: number, dailyIPCAvalues: number[]): number;
 }

package/debt/services/late.service.js

@@ -96,10 +96,10 @@ var LateService = /** @class */ (function () {
         var lateDays = new creditu_date_model_1.DateModel(date).daysDiff(new creditu_date_model_1.DateModel(dueDateIn));
         if (lateDays <= 0) {
             return {
-                totalMonthlyPayment: totalMonthlyPayment,
+                monthlyPaymentWithLate: totalMonthlyPayment,
                 lateInterest: 0,
                 lateAmotizationIPCA: 0,
-                lateChargesInterest: 0,
+                lateCharges: 0,
                 lateDays: 0
             };
         }
@@ -113,7 +113,18 @@ var LateService = /** @class */ (function () {
             return sum;
         }, { lateInterest: 0, lateAmotizationIPCA: 0, lateChargesInterest: 0 }), lateInterest = _a.lateInterest, lateAmotizationIPCA = _a.lateAmotizationIPCA, lateChargesInterest = _a.lateChargesInterest;
         var finalTotalLate = totalLateByDates[totalLateByDates.length - 1][date];
-        return { totalMonthlyPayment: finalTotalLate.updatedLateMonthlyPayment, lateInterest: lateInterest, lateAmotizationIPCA: lateAmotizationIPCA, lateChargesInterest: lateChargesInterest, lateDays: totalLateByDates.length };
+        return {
+            monthlyPaymentWithLate: finalTotalLate.updatedLateMonthlyPayment,
+            lateInterest: lateInterest,
+            lateAmotizationIPCA: lateAmotizationIPCA,
+            lateCharges: lateChargesInterest,
+            lateDays: totalLateByDates.length
+        };
+    };
+    LateService.prototype.getLateRate = function (lateChargesInterestRate, dailyRate, dailyIPCAvalues) {
+        var lastIPCValue = dailyIPCAvalues[dailyIPCAvalues.length - 1];
+        var lateRate = this.math.add(lateChargesInterestRate, dailyRate, lastIPCValue);
+        return this.math.round(lateRate, 2);
     };
     return LateService;
 }());

package/debt/services/monthly-payment-service.d.ts

@@ -0,0 +1,20 @@
+import { MathService } from '../../math/math.service';
+export declare class MonthlyPaymentService {
+    private readonly math;
+    constructor(math?: MathService);
+    paramsValidator: (...args: any[]) => void;
+    /**
+     * Calcula el pago de la cuota mensual considerando la amortizacion, el interes e IPCA
+     * @param interest
+     * @param amortization
+     * @param amortizationIPCA
+     */
+    getMonthlyPayment(interest: number, amortization: number): number;
+    /**
+     * Calcula el pago de la cuota mensual considerando todo menos los cargos de atraso
+     * @param interest
+     * @param amortization
+     * @param amortizationIPCA
+     */
+    getMonthlyPaymentWithInsurances(interest: number, interestDiff: number, amortizationIUB: number, amortizationIPCA: number, debtorLifeInsuranceFee: number, codebtorLifeInsuranceFee: number, propertyInsuranceFee: number): number;
+}

package/debt/services/monthly-payment-service.js

@@ -0,0 +1,45 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.MonthlyPaymentService = void 0;
+var math_service_1 = require("../../math/math.service");
+var MonthlyPaymentService = /** @class */ (function () {
+    function MonthlyPaymentService(math) {
+        if (math === void 0) { math = new math_service_1.MathService(); }
+        this.math = math;
+        this.paramsValidator = function () {
+            var args = [];
+            for (var _i = 0; _i < arguments.length; _i++) {
+                args[_i] = arguments[_i];
+            }
+            for (var i = 0; i < args.length; i += 1) {
+                if (args[i] === undefined || args[i] === null)
+                    throw new Error("invalid ".concat(args[i], " on MonthlyPayment calculation"));
+            }
+        };
+    }
+    /**
+     * Calcula el pago de la cuota mensual considerando la amortizacion, el interes e IPCA
+     * @param interest
+     * @param amortization
+     * @param amortizationIPCA
+     */
+    MonthlyPaymentService.prototype.getMonthlyPayment = function (interest, amortization) {
+        if (interest === undefined || interest === null)
+            throw new Error('invalid interest on MonthlyPayment calculation');
+        if (amortization === undefined || amortization === null)
+            throw new Error('invalid amortization on MonthlyPayment calculation');
+        return this.math.add(interest, amortization);
+    };
+    /**
+     * Calcula el pago de la cuota mensual considerando todo menos los cargos de atraso
+     * @param interest
+     * @param amortization
+     * @param amortizationIPCA
+     */
+    MonthlyPaymentService.prototype.getMonthlyPaymentWithInsurances = function (interest, interestDiff, amortizationIUB, amortizationIPCA, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee) {
+        this.paramsValidator(interest, interestDiff, amortizationIUB, amortizationIPCA, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee);
+        return this.math.add(interest, interestDiff, amortizationIUB, amortizationIPCA, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee);
+    };
+    return MonthlyPaymentService;
+}());
+exports.MonthlyPaymentService = MonthlyPaymentService;

package/offer/models/dto/offer-response.dto.d.ts

@@ -94,13 +94,11 @@ export declare class OfferResponse {
      */
     operationalExpensesFee: any;
     /**
-     * D: dividendo // Installment
+     * D: dividendo // Payment
      */
-    installment: number;
     /**
-     * D-unit: dividendo // UnitInstallment
+     * D-unit: dividendo // UnitPayment
      */
-    unitInstallment: number;
     /**
      * Tm: tasa de interés mensual
      */
@@ -151,4 +149,6 @@ export declare class OfferResponse {
      * Se obtiene al dividir financingAmount por amountRequestedByClient
      */
     financingRatio: number;
+    installment: number;
+    unitInstallment: number;
 }

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "1.2.22",
+  "version": "1.2.23",
   "description": "",
   "main": "lib/index.js",
   "files": [