creditu-common-library 1.2.22 → 1.3.0

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-inputs.dto.d.ts

@@ -14,6 +14,10 @@ export declare class DebtInputs {
      * Numero de cuota al que se le calcula la deuda
      */
     paymentNumber: PaymentNumber;
+    /**
+     * Numero de cuota al que se le calcula la deuda
+     */
+    isGraceMonth: boolean;
     /**
      * Numero de meses (cuotas) totales del credito
      */

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

@@ -89,11 +89,23 @@ export declare class DebtResponse {
      */
     lateDays: number;
     /**
-     * Interés en la mora
+     * Multa por entrar en mora
+     */
+    lateCharges: number;
+    /**
+     * Cargo de mora por interés de la deuda
      */
     lateInterest: number;
+    /**
+     * Cargo de mora por inflación
+     */
+    lateAmortizationIPCA: number;
+    /**
+     * Cargo de mora por día de atraso
+     */
+    lateChargesInterest: number;
     /**
      * Cargo por mora
      */
-    lateCharges: number;
+    lateRate: number;
 }

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

@@ -4,28 +4,29 @@ import { PaymentNumber } from '../../shared/models/payment-number';
 export declare class AmortizationService {
     private readonly math;
     constructor(math: MathService);
-    private getPago;
-    getAmortizationIPC(previousBalance: number, inflationaryUpperBound: number, amortizationDiff: number, IPCAupdate: number): number;
+    private readonly interestService;
+    private getMonthlyPayment;
+    getAmortizationIPC(upperBound: number, amortizationDiff: number, IPCAupdate: number): number;
     getAmortizationDiffGerman(previousBalance: number, balance: number, numberOfMonths: number): number;
     /**
      *
-     * @param montlyRate Tasa mensual del crédito
+     * @param monthlyRate Tasa mensual del crédito
      * @param numberOfMonths Número de meses del crédito
      * @param previusBalance Balance anterior
      * @param balance Balance actual
-     * @param paymentNumber Número del pago
+     * @param paymentNumber Número de cuota
      * @returns
      */
-    getAmortizationDiffFrench(montlyRate: number, numberOfMonths: number, previusBalance: number, balance: number, paymentNumber: number): number;
+    getAmortizationDiffFrench(monthlyRate: number, numberOfMonths: number, previusBalance: number, balance: number, paymentNumber: number): number;
     /**
      *
-     * @param montlyRate Tasa mensual del crédito
+     * @param monthlyRate Tasa mensual del crédito
      * @param numberOfMonths Número de meses del crédito
      * @param balance Balance actual
-     * @param paymentNumber Número del pago
+     * @param paymentNumber Número de cuota
      * @returns
      */
-    getAmortizationFrench(montlyRate: number, numberOfMonths: number, balance: number, paymentNumber: number): number;
+    getAmortizationFrench(monthlyRate: number, numberOfMonths: number, balance: number, paymentNumber: number): number;
     /**
      * Calcula la amortizacion
      * @param paymentNumber
@@ -33,4 +34,9 @@ export declare class AmortizationService {
      * @param balance
      */
     getAmortizationGerman(paymentNumber: PaymentNumber, numberOfMonths: NumberOfMonths, balance: number): number;
+    getAmortizationIUB(inputs: any, balance: any, annualRate: any): {
+        amortizationIUB: any;
+        amortizationDiff: any;
+    };
+    getAmortization(amortizationIUB: number, postponedInflationaryUpdate: number, amortizationDiff: number): number;
 }

package/debt/services/amortization-service.js

@@ -3,64 +3,61 @@ Object.defineProperty(exports, "__esModule", { value: true });
 exports.AmortizationService = void 0;
 var math_1 = require("../../math");
 var guarder_1 = require("../../shared/models/guarder");
+var models_1 = require("../../shared/models");
+var interest_service_1 = require("./interest.service");
 var AmortizationService = /** @class */ (function () {
     function AmortizationService(math) {
         this.math = math;
+        this.interestService = new interest_service_1.InterestService(this.math);
         this.math = new math_1.MathService(true, 10);
     }
-    AmortizationService.prototype.getPago = function (montlyRate, period, balance) {
-        var a = Math.pow(this.math.add(1, montlyRate), period);
-        var b = this.math.multiply(a, montlyRate);
-        var c = this.math.subtract(a, 1);
-        return this.math.multiply(this.math.divide(b, c), balance);
+    AmortizationService.prototype.getMonthlyPayment = function (monthlyRate, period, balance) {
+        var periodInterest = Math.pow(this.math.add(1, monthlyRate), period);
+        var interest = this.math.multiply(periodInterest, monthlyRate);
+        var periodRate = this.math.subtract(periodInterest, 1);
+        return this.math.multiply(this.math.divide(interest, periodRate), 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);
-        }
-        return this.math.subtract(IPCAupdate, amortizationDiff);
+    AmortizationService.prototype.getAmortizationIPC = function (upperBound, amortizationDiff, IPCAupdate) {
+        return this.math.round(upperBound < IPCAupdate
+            ? this.math.subtract(upperBound, amortizationDiff)
+            : this.math.subtract(IPCAupdate, amortizationDiff), 10);
     };
     // (balanceAfter - balance) / numberOfMonths
     AmortizationService.prototype.getAmortizationDiffGerman = function (previousBalance, balance, numberOfMonths) {
-        return this.math.round(this.math.divide(this.math.subtract(balance, previousBalance), numberOfMonths), 2);
+        return this.math.round(this.math.divide(this.math.subtract(balance, previousBalance), numberOfMonths), 10);
     };
     /**
      *
-     * @param montlyRate Tasa mensual del crédito
+     * @param monthlyRate Tasa mensual del crédito
      * @param numberOfMonths Número de meses del crédito
      * @param previusBalance Balance anterior
      * @param balance Balance actual
-     * @param paymentNumber Número del pago
+     * @param paymentNumber Número de cuota
      * @returns
      */
-    AmortizationService.prototype.getAmortizationDiffFrench = function (montlyRate, numberOfMonths, previusBalance, balance, paymentNumber) {
-        var period = numberOfMonths + 1 - paymentNumber;
-        var pago = this.getPago(montlyRate, period, balance);
-        var interest = this.math.multiply(balance, montlyRate);
-        var a = this.math.subtract(pago, interest);
-        var previusPago = this.getPago(montlyRate, period, previusBalance);
-        var previusInterest = this.math.multiply(previusBalance, montlyRate);
-        var b = this.math.subtract(previusPago, previusInterest);
-        return this.math.subtract(a, b);
+    AmortizationService.prototype.getAmortizationDiffFrench = function (monthlyRate, numberOfMonths, previusBalance, balance, paymentNumber) {
+        var period = this.math.subtract(this.math.add(numberOfMonths, 1), paymentNumber);
+        var initialMonthlyPayment = this.getMonthlyPayment(monthlyRate, period, previusBalance);
+        var initialInterest = this.math.multiply(previusBalance, monthlyRate);
+        var initialMonthlyAmortization = this.math.subtract(initialMonthlyPayment, initialInterest);
+        var finalMonthlyPayment = this.getMonthlyPayment(monthlyRate, period, balance);
+        var interest = this.math.multiply(balance, monthlyRate);
+        var finalMonthlyAmortization = this.math.subtract(finalMonthlyPayment, interest);
+        return this.math.subtract(finalMonthlyAmortization, initialMonthlyAmortization);
     };
     /**
      *
-     * @param montlyRate Tasa mensual del crédito
+     * @param monthlyRate Tasa mensual del crédito
      * @param numberOfMonths Número de meses del crédito
      * @param balance Balance actual
-     * @param paymentNumber Número del pago
+     * @param paymentNumber Número de cuota
      * @returns
      */
-    AmortizationService.prototype.getAmortizationFrench = function (montlyRate, numberOfMonths, balance, paymentNumber) {
-        var period = numberOfMonths + 1 - paymentNumber;
-        var pago = this.getPago(montlyRate, period, balance);
-        var interest = this.math.multiply(balance, montlyRate);
-        return this.math.subtract(pago, interest);
+    AmortizationService.prototype.getAmortizationFrench = function (monthlyRate, numberOfMonths, balance, paymentNumber) {
+        var period = this.math.subtract(this.math.add(numberOfMonths, 1), paymentNumber);
+        var monthlyPayment = this.getMonthlyPayment(monthlyRate, period, balance);
+        var interest = this.math.multiply(balance, monthlyRate);
+        return this.math.subtract(monthlyPayment, interest);
     };
     /**
      * Calcula la amortizacion
@@ -77,6 +74,26 @@ var AmortizationService = /** @class */ (function () {
         var result = this.math.divide(balance, divisor);
         return result;
     };
+    AmortizationService.prototype.getAmortizationIUB = function (inputs, balance, annualRate) {
+        if (inputs.isGraceMonth) {
+            return { amortizationIUB: 0, amortizationDiff: 0 };
+        }
+        var amortizationIUB;
+        var amortizationDiff;
+        if (inputs.amortizationMethod === models_1.AmortizationMethod.GERMAN) {
+            amortizationIUB = this.getAmortizationGerman(inputs.paymentNumber, inputs.numberOfMonths, balance);
+            amortizationDiff = this.getAmortizationDiffGerman(inputs.previousBalance.value(), balance, inputs.numberOfMonths.value());
+        }
+        else if (inputs.amortizationMethod === models_1.AmortizationMethod.FRENCH) {
+            var monthlyRate = this.interestService.getMonthlyInterestValue(annualRate);
+            amortizationIUB = this.getAmortizationFrench(monthlyRate, inputs.numberOfMonths.value(), balance, inputs.paymentNumber.value());
+            amortizationDiff = this.getAmortizationDiffFrench(monthlyRate, inputs.numberOfMonths.value(), inputs.previousBalance.value(), balance, inputs.paymentNumber.value());
+        }
+        return { amortizationIUB: amortizationIUB, amortizationDiff: amortizationDiff };
+    };
+    AmortizationService.prototype.getAmortization = function (amortizationIUB, postponedInflationaryUpdate, amortizationDiff) {
+        return this.math.subtract(amortizationIUB, postponedInflationaryUpdate, amortizationDiff);
+    };
     return AmortizationService;
 }());
 exports.AmortizationService = AmortizationService;

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

@@ -8,10 +8,9 @@ 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");
 var late_service_1 = require("./late.service");
 var InstallmentService = /** @class */ (function () {
     function InstallmentService(math) {
@@ -19,84 +18,48 @@ 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);
+        var dailyIPCAvalues = this.ipcaService.getDailyIPCAValues(IPCAByDates);
+        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 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 {
-            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 interestIUB = this.interestService.getInterestIUB(balanceValues.balances, params.annualRate, proportionalDays);
+        var interestDiff = this.math.subtract(interestIUB, interest);
+        var _a = this.amortizationService.getAmortizationIUB(inputs, balance, params.annualRate), amortizationIUB = _a.amortizationIUB, amortizationDiff = _a.amortizationDiff;
         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 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 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.amortizationService.getAmortization(amortizationIUB, postponedInflationaryUpdate, amortizationDiff);
+        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 _b = this.lateService.getTotalMonthlyPayment(endDate, today, monthlyPaymentWithInsurances, lateChargesFineRate, dailyRate, IPCAmapLate, lateChargesInterestRate), lateCharges = _b.lateCharges, lateInterest = _b.lateInterest, lateAmortizationIPCA = _b.lateAmortizationIPCA, lateChargesInterest = _b.lateChargesInterest, monthlyPaymentWithLate = _b.monthlyPaymentWithLate, lateDays = _b.lateDays;
+        var lateRate = this.lateService.getLateRate(lateChargesInterestRate, dailyRate, dailyIPCAvalues);
         return {
             IPCAByDates: IPCAByDates,
             balanceValues: balanceValues,
@@ -109,7 +72,6 @@ var InstallmentService = /** @class */ (function () {
             interestIUB: interestIUB,
             monthlyPayment: monthlyPayment,
             monthlyPaymentWithInsurances: monthlyPaymentWithInsurances,
-            monthlyPaymentWithLate: totalLateByDates.totalMonthlyPayment,
             amortization: amortization,
             amortizationDiff: amortizationDiff,
             amortizationIUB: amortizationIUB,
@@ -118,9 +80,13 @@ var InstallmentService = /** @class */ (function () {
             debtorLifeInsuranceFee: debtorLifeInsuranceFee,
             codebtorLifeInsuranceFee: codebtorLifeInsuranceFee,
             propertyInsuranceFee: propertyInsuranceFee,
-            lateDays: totalLateByDates.lateDays,
-            lateInterest: totalLateByDates.lateInterest,
-            lateCharges: totalLateByDates.lateChargesInterest
+            lateDays: lateDays,
+            lateCharges: lateCharges,
+            lateInterest: lateInterest,
+            lateAmortizationIPCA: lateAmortizationIPCA,
+            lateChargesInterest: lateChargesInterest,
+            lateRate: lateRate,
+            monthlyPaymentWithLate: monthlyPaymentWithLate
         };
     };
     return InstallmentService;

package/debt/services/insurance-service.js

@@ -47,7 +47,7 @@ var InsuranceService = /** @class */ (function () {
         if (insuranceRate.value() === 0)
             throw new Error('Invalid insurance rate');
         var insuranceFee = this.math.multiply(baseAmount, insuranceRate.value());
-        return this.math.round(this.math.multiply(insuranceFee, insurancePeriods), 2);
+        return this.math.round(this.math.multiply(insuranceFee, insurancePeriods), 10);
     };
     /**
      * Metodo para recuperar el balance del último día del mes anterior a la fecha de pago del seguro de vida
@@ -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

@@ -4,10 +4,10 @@ export declare class InterestService {
     constructor(math: MathService);
     /**
      * Método que calcula el interés diario a partir del interés anual.
-     * @param annyalRate Tasa de interés anual.
+     * @param annualRate Tasa de interés anual.
      * @returns
      */
-    getDailyInterestValue(annyalRate: number): number;
+    getDailyInterestValue(annualRate: number): number;
     /**
      * Método que calcula el interés mensual a partir del interés anual.
      * @param annualRate Tasa de interés anual.
@@ -16,7 +16,7 @@ export declare class InterestService {
     getMonthlyInterestValue(annualRate: number): number;
     /**
      * Método que calcula el interés de un periodo de tiempo a partir del interés anual.
-     * @param annyalRate Tasa de interés anual.
+     * @param annualRate Tasa de interés anual.
      * @param period Periodo de tiempo para calcular la tasa, normalmente 360 para la tasa diaria o 12 para la tasa mensual.
      * @returns
      */
@@ -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;
 }