creditu-common-library 1.2.7 → 1.2.10

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

@@ -8,9 +8,13 @@ export declare class DebtParams {
      */
     annualRate: number;
     /**
-     * Tasa de seguro de vida o desgravamen
+     * Tasa de seguro de vida o desgravamen deudor
      */
-    lifeInsuranceRates: CreditInsuranceRate[];
+    debtorLifeInsuranceRate: CreditInsuranceRate;
+    /**
+     * Tasa de seguro de vida o desgravamen codeudor
+     */
+    codebtorLifeInsuranceRate?: CreditInsuranceRate;
     /**
      * Tasa de seguro de incendio o propiedad
      */

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

@@ -4,10 +4,6 @@ import { DailyIPCAOutput } from './daily-ipca-output.dto';
  * Respuesta del calculo de la deuda
  */
 export declare class DebtResponse {
-    /**
-     * Deuda calculada para la cuota
-     */
-    totalMonthlyPayment: number;
     /**
      * IPCA diarios para las fechas de calculo de deuda
      */
@@ -55,7 +51,11 @@ export declare class DebtResponse {
     /**
      * Cuota de seguro de vida o desgravamen
      */
-    lifeInsuranceFee: number;
+    debtorLifeInsuranceFee: number;
+    /**
+     * Cuota de seguro de vida o desgravamen
+     */
+    codebtorLifeInsuranceFee: number;
     /**
      * Cuota de seguro de incendio o propiedad
      */

package/debt/services/installment-service.js

@@ -45,7 +45,7 @@ var InstallmentService = /** @class */ (function () {
         }
         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; }); // ; // Se quita la firma para efecto de
+        var dailyIPCAvalues = IPCAByDates.map(function (obj) { return obj.dailyIPCA; });
         if (inputs.paymentNumber.value() === 1) {
             dailyIPCAvalues = dailyIPCAvalues.slice(1);
         }
@@ -55,7 +55,8 @@ var InstallmentService = /** @class */ (function () {
         var balance = this.balanceService.getBalance(balanceValues.balances);
         var startDate = Object.keys(inputs.IPCAmap)[0];
         var endDate = Object.keys(inputs.IPCAmap).pop();
-        var interest = this.interestService.getInterest(balanceValues.balances, params.annualRate, startDate, endDate, inputs.paymentNumber.value());
+        var proportionalDays = inputs.paymentNumber.value() === 1 ? this.interestService.getProportionalDays(startDate, endDate) : 1;
+        var interest = this.interestService.getInterest(balanceValues.balances, params.annualRate, proportionalDays);
         var amortization;
         var amortizationDiff;
         if (inputs.amortizationMethod === amortization_method_enum_1.AmortizationMethod.GERMAN) {
@@ -71,12 +72,12 @@ var InstallmentService = /** @class */ (function () {
         var amortizationIPCA = this.amortizationService.getAmortizationIPC(inputs.previousBalance.value(), inputs.inflationaryUpperBound, amortizationDiff, ipcaUpdate);
         var monthlyPayment = this.paymentService.getMonthlyPayment(interest, amortization, amortizationIPCA);
         var balanceAfter = this.balanceService.getBalanceAfter(inputs.previousBalance, ipcaUpdate, amortization, amortizationIPCA);
-        var lifeInsuranceFee = this.insuranceService.getLifeInsurance(params.lifeInsuranceRates, balance);
-        var propertyInsuranceFee = this.insuranceService.getPropertyInsurance(inputs.propertyAmount, params.propertyInsuranceRate, inputs.IPCAmap);
-        var totalMonthlyPayment = this.math.add(monthlyPayment, lifeInsuranceFee, propertyInsuranceFee);
-        var monthlyPaymentWithInsurances = this.math.add(monthlyPayment, lifeInsuranceFee, propertyInsuranceFee); // falta incluir a cobdebtor
+        var insurancePeriods = this.insuranceService.getInsurancePeriods(inputs.IPCAmap, inputs.paymentNumber.value(), inputs.numberOfMonths.value());
+        var debtorLifeInsuranceFee = this.insuranceService.getInsuranceFee(balance, params.debtorLifeInsuranceRate, insurancePeriods);
+        var codebtorLifeInsuranceFee = params.codebtorLifeInsuranceRate ? this.insuranceService.getInsuranceFee(balance, params.codebtorLifeInsuranceRate, insurancePeriods) : 0;
+        var propertyInsuranceFee = this.insuranceService.getInsuranceFee(inputs.propertyAmount, params.propertyInsuranceRate, insurancePeriods);
+        var monthlyPaymentWithInsurances = this.math.add(monthlyPayment, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee);
         return {
-            totalMonthlyPayment: totalMonthlyPayment,
             IPCAByDates: IPCAByDates,
             balanceValues: balanceValues,
             balance: balance,
@@ -88,7 +89,8 @@ var InstallmentService = /** @class */ (function () {
             monthlyPaymentWithInsurances: monthlyPaymentWithInsurances,
             amortization: amortization,
             amortizationIPCA: amortizationIPCA,
-            lifeInsuranceFee: lifeInsuranceFee,
+            debtorLifeInsuranceFee: debtorLifeInsuranceFee,
+            codebtorLifeInsuranceFee: codebtorLifeInsuranceFee,
             propertyInsuranceFee: propertyInsuranceFee
         };
     };

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

@@ -3,16 +3,11 @@ import { CreditInsuranceRate } from '../../shared/models/credit-insurance-rate';
 export declare class InsuranceService {
     private readonly math;
     constructor(math: MathService);
+    getInsurancePeriods(IPCAmap: any, paymentNumber: number, numberOfMonths: number): number;
     /**
-     * Calcula el seguro de propiedad
+     * Calcula el cobro de un seguro
      * @param propertyAmount
      * @param propertyInsuranceRate
      */
-    getPropertyInsurance(propertyAmount: number, propertyInsuranceRate: CreditInsuranceRate, IPCAmap: Record<string, number>): number;
-    /**
-     * Calcula el seguro de vida
-     * @param lifeInsuranceRateValues // Array con una sola posición ya que la tasa es fija en la operacion de un cliente
-     * @param balance // Balance actualizado por corrección monetaria
-     */
-    getLifeInsurance(lifeInsuranceRateValues: CreditInsuranceRate[], balance: number): number;
+    getInsuranceFee(baseAmount: number, insuranceRate: CreditInsuranceRate, insurancePeriods: number): number;
 }

package/debt/services/insurance-service.js

@@ -8,44 +8,33 @@ var InsuranceService = /** @class */ (function () {
         this.math = math;
         this.math = new math_1.MathService(true, 10);
     }
-    /**
-     * Calcula el seguro de propiedad
-     * @param propertyAmount
-     * @param propertyInsuranceRate
-     */
-    InsuranceService.prototype.getPropertyInsurance = function (propertyAmount, propertyInsuranceRate, IPCAmap) {
+    InsuranceService.prototype.getInsurancePeriods = function (IPCAmap, paymentNumber, numberOfMonths) {
         var _this = this;
-        guarder_1.Guarder.defined(propertyInsuranceRate, 'CreditInsuranceRate');
-        var getLifeInsurancePeriods = function (IPCAmap) {
-            var result = Object.keys(IPCAmap)
-                .map(function (date) {
-                var days = date.split(',').map(function (strNum) { return parseInt(strNum, 10); }).pop();
-                return days > 5 ? 1 : 2;
-            })
-                .reduce(function (a, b) { return _this.math.add(a, b); }, 0);
-            return result - 1;
-        };
-        var lifeInsurancePeriods = getLifeInsurancePeriods(IPCAmap);
-        if (propertyInsuranceRate.value() === 0)
-            throw new Error('Invalid property insurance rate');
-        var propertyInsurance = this.math.multiply(propertyAmount, this.math.divide(propertyInsuranceRate.value(), 100));
-        return this.math.round(this.math.multiply(propertyInsurance, lifeInsurancePeriods), 2);
+        if (paymentNumber === numberOfMonths) {
+            return 0;
+        }
+        if (paymentNumber !== 1) {
+            return 1;
+        }
+        var result = Object.keys(IPCAmap)
+            .map(function (date) {
+            var days = date.split(',').map(function (strNum) { return parseInt(strNum, 10); }).pop();
+            return days > 5 ? 1 : 2;
+        })
+            .reduce(function (a, b) { return _this.math.add(a, b); }, 0);
+        return result - 1;
     };
     /**
-     * Calcula el seguro de vida
-     * @param lifeInsuranceRateValues // Array con una sola posición ya que la tasa es fija en la operacion de un cliente
-     * @param balance // Balance actualizado por corrección monetaria
+     * Calcula el cobro de un seguro
+     * @param propertyAmount
+     * @param propertyInsuranceRate
      */
-    InsuranceService.prototype.getLifeInsurance = function (lifeInsuranceRateValues, balance) {
-        var _this = this;
-        guarder_1.Guarder.defined(lifeInsuranceRateValues, 'CreditInsuranceRate');
-        if (lifeInsuranceRateValues.filter(function (lifeInsuranceRate) { return lifeInsuranceRate.value() === 0; }).length > 0)
-            throw new Error('Invalid life insurance rate');
-        var lifeInsurance = lifeInsuranceRateValues
-            .reduce(function (acc, lifeInsuranceRate) { return _this.math.multiply(balance, _this.math.divide(lifeInsuranceRate.value(), 100)); }, 0); // Multiplicar por los meses de
-        // const lifeInsurance = this.math.multiply(this.math.subtract(balance, inflationaryBoundDifference), this.math.divide(lifeInsuranceRate.value(), 100));
-        var result = this.math.round(lifeInsurance, 2);
-        return result;
+    InsuranceService.prototype.getInsuranceFee = function (baseAmount, insuranceRate, insurancePeriods) {
+        guarder_1.Guarder.defined(insuranceRate, 'CreditInsuranceRate');
+        if (insuranceRate.value() === 0)
+            throw new Error('Invalid insurance rate');
+        var propertyInsurance = this.math.multiply(baseAmount, insuranceRate.value());
+        return this.math.round(this.math.multiply(propertyInsurance, insurancePeriods), 2);
     };
     return InsuranceService;
 }());

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

@@ -2,7 +2,6 @@ import { MathService } from '../../math';
 export declare class InterestService {
     private readonly math;
     constructor(math: MathService);
-    private calculateDaysOfMonth;
     /**
      * Método que calcula el interés diario a partir del interés anual.
      * @param annyalRate Tasa de interés anual.
@@ -22,13 +21,17 @@ export declare class InterestService {
      * @returns
      */
     private getPeriodInterestValue;
-    private findPeriodIndex;
+    /**
+     * Taking past month as base, returns days between start and end date over past month's total days
+     * @param startDate
+     * @param endDate
+     */
+    getProportionalDays(startDate: string, endDate: string): number;
     /**
      * Calcula el interes a partir del interes diario
      * @param balanceValues
      * @param annualRate
-     * @param startDate
-     * @param endDate
+     * @param proportion
      */
-    getInterest(balanceValues: number[], annualRate: number, startDate: string, endDate: string, paymentNumber: number): number;
+    getInterest(balanceValues: number[], annualRate: number, proportion: number): number;
 }

package/debt/services/interest.service.js

@@ -1,6 +1,4 @@
 "use strict";
-// import { MathService } from '../../math';
-// import { PreviousBalance } from '../../shared/models/previous-balance';
 Object.defineProperty(exports, "__esModule", { value: true });
 exports.InterestService = void 0;
 var creditu_date_model_1 = require("creditu-date-model");
@@ -8,24 +6,8 @@ var math_1 = require("../../math");
 var InterestService = /** @class */ (function () {
     function InterestService(math) {
         this.math = math;
-        this.findPeriodIndex = function (periodArray, period) {
-            var periodIndex;
-            // eslint-disable-next-line no-loop-func
-            periodArray.find(function (element, index) {
-                if (element.period === period) {
-                    periodIndex = index;
-                    return true;
-                }
-                return false;
-            });
-            return periodIndex;
-        };
         this.math = new math_1.MathService(true, 10);
     }
-    // eslint-disable-next-line class-methods-use-this
-    InterestService.prototype.calculateDaysOfMonth = function (year, month) {
-        return new Date(year, month, 0).getDate();
-    };
     /**
      * Método que calcula el interés diario a partir del interés anual.
      * @param annyalRate Tasa de interés anual.
@@ -57,44 +39,44 @@ var InterestService = /** @class */ (function () {
         return this.math.round(this.math.subtract(preResult, 1), 10);
     };
     /**
-     * Calcula el interes a partir del interes diario
-     * @param balanceValues
-     * @param annualRate
+     * Taking past month as base, returns days between start and end date over past month's total days
      * @param startDate
      * @param endDate
      */
-    InterestService.prototype.getInterest = function (balanceValues, annualRate, startDate, endDate, paymentNumber) {
+    InterestService.prototype.getProportionalDays = function (startDate, endDate) {
         var _this = this;
-        var periodArray = [];
-        var startDateModel = new creditu_date_model_1.DateModel(startDate);
-        if (paymentNumber === 1) {
-            startDateModel = startDateModel.addDays(1);
-        }
+        var startDateModel = new creditu_date_model_1.DateModel(startDate).addDays(1);
         var endDateModel = new creditu_date_model_1.DateModel(endDate);
-        while (startDateModel <= endDateModel) {
-            var _a = startDateModel.toString().split('-'), year = _a[0], month = _a[1];
-            var period = "".concat(year, "-").concat(month);
-            var periodIndex = this.findPeriodIndex(periodArray, period);
-            if (periodIndex === undefined) {
-                periodArray.push({ period: period, days: 1 });
+        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();
+        return periodArray.reduce(function (proportion, element) { return proportion + _this.math.multiply(_this.math.divide(1, daysOfMonth), element.days); }, 0);
+    };
+    /**
+     * Calcula el interes a partir del interes diario
+     * @param balanceValues
+     * @param annualRate
+     * @param proportion
+     */
+    InterestService.prototype.getInterest = function (balanceValues, annualRate, proportion) {
         var interest = this.math.multiply(balanceValues[balanceValues.length - 1], this.getMonthlyInterestValue(annualRate));
-        var proportion = 1;
-        if (paymentNumber === 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 yearMonth = periodArray[periodArray.length - 2].period.split('-');
-            var daysOfMonth_1 = this.calculateDaysOfMonth(yearMonth[0], yearMonth[1]);
-            proportion = periodArray.reduce(function (proportion, element) {
-                // eslint-disable-next-line no-param-reassign
-                proportion += _this.math.multiply(_this.math.divide(1, daysOfMonth_1), element.days);
-                return proportion;
-            }, 0);
-        }
         return this.math.round(this.math.multiply(interest, proportion), 2);
     };
     return InterestService;

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "1.2.7",
+  "version": "1.2.10",
   "description": "",
   "main": "lib/index.js",
   "files": [

package/test/installment.service.spec.ts

@@ -13,8 +13,6 @@ describe('installment-service for german method', () => {
   // revisado el 31-01-2022
   it('(WEDSON (Case 0.001 inflationaryUpperBound) should return the calculated installment', () => {
     const expectedResult = {
-
-      totalMonthlyPayment: 846.62713637,
       IPCAByDates: [
         { date: '2021-12-23', ipca: 0.0125, dailyIPCA: 0.0004008068 },
         { date: '2021-12-24', ipca: 0.0125, dailyIPCA: 0.0004008068 },
@@ -84,7 +82,8 @@ describe('installment-service for german method', () => {
       monthlyPaymentWithInsurances: 846.62713637,
       amortization: 361.70713637,
       amortizationIPCA: 127.89,
-      lifeInsuranceFee: 22.14,
+      debtorLifeInsuranceFee: 22.14,
+      codebtorLifeInsuranceFee: 0,
       propertyInsuranceFee: 4.8
     };
 
@@ -93,10 +92,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129600);
     const annualRate = 0.075;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
     const inflationaryUpperBound = 0.001;
     const propertyAmount = 160000;
-    const propertyInsuranceRate = new CreditInsuranceRate(0.003);
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
     const IPCAmap = {
       '2021-12-23': 0.0125,
       '2022-01-05': 0.0095
@@ -112,7 +111,7 @@ describe('installment-service for german method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -120,7 +119,6 @@ describe('installment-service for german method', () => {
   });
   it('(WEDSON (Case 1 inflationaryUpperBound) should return the calculated installment', () => {
     const expectedResult = {
-      totalMonthlyPayment: 1331.596229564,
       IPCAByDates: [
         { date: '2021-12-23', ipca: 0.0125, dailyIPCA: 0.0004008068 },
         { date: '2021-12-24', ipca: 0.0125, dailyIPCA: 0.0004008068 },
@@ -182,18 +180,19 @@ describe('installment-service for german method', () => {
       monthlyPaymentWithInsurances: 1331.596229564,
       amortization: 361.70713637,
       amortizationIPCA: 612.859093194,
-      lifeInsuranceFee: 22.14,
-      propertyInsuranceFee: 4.8
+      debtorLifeInsuranceFee: 22.14,
+      propertyInsuranceFee: 4.8,
+      codebtorLifeInsuranceFee: 0
     };
     const amortizationMethod = AmortizationMethod.GERMAN;
     const paymentNumber = new PaymentNumber(1);
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129600);
     const annualRate = 0.075;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
     const inflationaryUpperBound = 1;
     const propertyAmount = 160000;
-    const propertyInsuranceRate = new CreditInsuranceRate(0.003);
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
     const IPCAmap = {
       '2021-12-23': 0.0125,
       '2022-01-05': 0.0095
@@ -209,7 +208,7 @@ describe('installment-service for german method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -218,7 +217,6 @@ describe('installment-service for german method', () => {
   });
   it('(WEDSON (Case 1 inflationaryUpperBound) should return the calculated installment with 1 day late', () => {
     const expectedResult = {
-      totalMonthlyPayment: 1331.596229564,
       IPCAByDates: [
         { date: '2021-12-23', ipca: 0.0125, dailyIPCA: 0.0004008068 },
         { date: '2021-12-24', ipca: 0.0125, dailyIPCA: 0.0004008068 },
@@ -280,16 +278,17 @@ describe('installment-service for german method', () => {
       monthlyPaymentWithInsurances: 1331.596229564,
       amortization: 361.70713637,
       amortizationIPCA: 612.859093194,
-      lifeInsuranceFee: 22.14,
-      propertyInsuranceFee: 4.8
+      debtorLifeInsuranceFee: 22.14,
+      propertyInsuranceFee: 4.8,
+      codebtorLifeInsuranceFee: 0
     };
 
     const expectedLateResult = {
-      totalMonthlyPayment: 1359.329374117,
       lateInterest: 0.2675321969,
       lateAmotizationIPCA: 0.4062055604,
       lateChargesInterest: 0.4274822044,
-      lateDays: 1
+      lateDays: 1,
+      totalMonthlyPayment: 1359.329374117
     };
 
     const amortizationMethod = AmortizationMethod.GERMAN;
@@ -297,10 +296,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129600);
     const annualRate = 0.075;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
     const inflationaryUpperBound = 1;
     const propertyAmount = 160000;
-    const propertyInsuranceRate = new CreditInsuranceRate(0.003);
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
     const IPCAmap = {
       '2021-12-23': 0.0125,
       '2022-01-05': 0.0095
@@ -316,7 +315,7 @@ describe('installment-service for german method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -337,7 +336,6 @@ describe('installment-service for german method', () => {
   });
   it('(Cuota > 1 (no es la primera cuota) WEDSON (Case 1 inflationaryUpperBound) should return the calculated installment', () => {
     const expectedResult = {
-      totalMonthlyPayment: 2373.7405888545,
       IPCAByDates: [
         { date: '2021-01-06', ipca: 0.0095, dailyIPCA: 0.0003050516 },
         { date: '2021-01-07', ipca: 0.0095, dailyIPCA: 0.0003050516 },
@@ -425,18 +423,19 @@ describe('installment-service for german method', () => {
       monthlyPaymentWithInsurances: 2373.7405888545,
       amortization: 363.3378071913,
       amortizationIPCA: 1194.9427816632,
-      lifeInsuranceFee: 22.17,
-      propertyInsuranceFee: 4.8
+      debtorLifeInsuranceFee: 22.17,
+      propertyInsuranceFee: 4.8,
+      codebtorLifeInsuranceFee: 0
     };
     const amortizationMethod = AmortizationMethod.GERMAN;
     const paymentNumber = new PaymentNumber(2);
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129240.00);
     const annualRate = 0.075;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
     const inflationaryUpperBound = 1;
     const propertyAmount = 160000;
-    const propertyInsuranceRate = new CreditInsuranceRate(0.003);
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
     const IPCAmap = {
       '2021-01-05': 0.0095,
       '2022-02-05': 0.0073
@@ -452,7 +451,7 @@ describe('installment-service for german method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -460,7 +459,6 @@ describe('installment-service for german method', () => {
   });
   it('(Cuota > 1 WEDSON (Case 0.005 inflationaryUpperBound) should return the calculated installment', () => {
     const expectedResult = {
-      totalMonthlyPayment: 1821.6678071913,
       IPCAByDates: [
         { date: '2021-01-06', ipca: 0.0095, dailyIPCA: 0.0003050516 },
         { date: '2021-01-07', ipca: 0.0095, dailyIPCA: 0.0003050516 },
@@ -562,18 +560,19 @@ describe('installment-service for german method', () => {
       monthlyPaymentWithInsurances: 1821.6678071913,
       amortization: 363.3378071913,
       amortizationIPCA: 642.87,
-      lifeInsuranceFee: 22.17,
-      propertyInsuranceFee: 4.8
+      debtorLifeInsuranceFee: 22.17,
+      propertyInsuranceFee: 4.8,
+      codebtorLifeInsuranceFee: 0
     };
     const amortizationMethod = AmortizationMethod.GERMAN;
     const paymentNumber = new PaymentNumber(2);
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129240);
     const annualRate = 0.075;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
     const inflationaryUpperBound = 0.005;
     const propertyAmount = 160000;
-    const propertyInsuranceRate = new CreditInsuranceRate(0.003);
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
     const IPCAmap = {
       '2021-01-05': 0.0095,
       '2022-02-05': 0.0073
@@ -589,7 +588,7 @@ describe('installment-service for german method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -602,7 +601,7 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(319480.48); /// 319,480.48
     const annualRate = 0.08;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.017);
     const inflationaryUpperBound = 0.001;
     const propertyAmount = 369000;
     const propertyInsuranceRate = new CreditInsuranceRate(0.003); // esta como % en el excel
@@ -622,11 +621,10 @@ describe('installment-service for german method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const expectedResult = {
-      totalMonthlyPayment: 4563.8038372939,
       IPCAByDates: [
         { date: '2021-11-19', ipca: 0.0116, dailyIPCA: 0.0003845151 },
         { date: '2021-11-20', ipca: 0.0116, dailyIPCA: 0.0003845151 },
@@ -760,8 +758,9 @@ describe('installment-service for german method', () => {
       monthlyPaymentWithInsurances: 4563.8038372939,
       amortization: 903.7238372939,
       amortizationIPCA: 303.2,
-      lifeInsuranceFee: 55.31,
-      propertyInsuranceFee: 22.14
+      debtorLifeInsuranceFee: 55.31,
+      propertyInsuranceFee: 22.14,
+      codebtorLifeInsuranceFee: 0
     };
 
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -769,7 +768,6 @@ describe('installment-service for german method', () => {
   });
   it('WEDSON (Case internal backend) should return the calculated installment without dueLate', () => {
     const expectedResult = {
-      totalMonthlyPayment: 1821.6678071913,
       IPCAByDates: [
         { date: '2022-01-06', ipca: 0.0095, dailyIPCA: 0.0003050516 },
         { date: '2022-01-07', ipca: 0.0095, dailyIPCA: 0.0003050516 },
@@ -871,8 +869,9 @@ describe('installment-service for german method', () => {
       monthlyPaymentWithInsurances: 1821.6678071913,
       amortization: 363.3378071913,
       amortizationIPCA: 642.87,
-      lifeInsuranceFee: 22.17,
-      propertyInsuranceFee: 4.8
+      debtorLifeInsuranceFee: 22.17,
+      propertyInsuranceFee: 4.8,
+      codebtorLifeInsuranceFee: 0
     };
 
     const amortizationMethod = AmortizationMethod.GERMAN;
@@ -880,10 +879,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129240.00);
     const annualRate = 0.075;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
     const inflationaryUpperBound = 0.005;
     const propertyAmount = 160000;
-    const propertyInsuranceRate = new CreditInsuranceRate(0.003);
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
     const IPCAmap = { '2022-01-05': 0.0095, '2022-02-05': 0.0073 };
     const inputs: DebtInputs = {
       amortizationMethod,
@@ -896,18 +895,120 @@ describe('installment-service for german method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
     expect(result).toEqual(expectedResult);
   });
+  it('WEDSON caso productivo 1ra cuota', () => {
+    const expectedResult = {
+      IPCAByDates: [
+        { date: '2021-12-23', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-24', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-25', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-26', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-27', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-28', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-29', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-30', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2021-12-31', ipca: 0.0125, dailyIPCA: 0.0004008068 },
+        { date: '2022-01-01', ipca: 0.0095, dailyIPCA: 0.0003050516 },
+        { date: '2022-01-02', ipca: 0.0095, dailyIPCA: 0.0003050516 },
+        { date: '2022-01-03', ipca: 0.0095, dailyIPCA: 0.0003050516 },
+        { date: '2022-01-04', ipca: 0.0095, dailyIPCA: 0.0003050516 },
+        { date: '2022-01-05', ipca: 0.0095, dailyIPCA: 0.0003050516 }
+      ],
+      balanceValues: {
+        balances: [
+          129651.94456128,
+          129703.9099422934,
+          129755.8961513849,
+          129807.9031969025,
+          129859.9310871976,
+          129911.9798306249,
+          129964.0494355425,
+          130016.1399103118,
+          130055.8015418173,
+          130095.4752721669,
+          130135.1611050514,
+          130174.8590441628,
+          130214.569093194
+        ],
+        balanceMonetaryUpdateValues: [
+          51.94456128, 51.9653810134,
+          51.9862090915, 52.0070455176,
+          52.0278902951, 52.0487434273,
+          52.0696049176, 52.0904747693,
+          39.6616315055, 39.6737303496,
+          39.6858328845, 39.6979391114,
+          39.7100490312
+        ],
+        balanceUpperBoundMonetaryUpdateValues: [
+          0, 0, 0, 0, 0, 0,
+          0, 0, 0, 0, 0, 0,
+          0
+        ],
+        inflationaryBoundDifferenceValues: [
+          0, 0, 0, 0, 0, 0,
+          0, 0, 0, 0, 0, 0,
+          0
+        ]
+      },
+      balance: 130214.569093194,
+      balanceAfter: 129240.00286363,
+      ipcaUpdate: 614.569093194,
+      dailyRate: 0.0002009109,
+      interest: 330.09,
+      monthlyPayment: 1304.656229564,
+      monthlyPaymentWithInsurances: 1331.596229564,
+      amortization: 361.70713637,
+      amortizationIPCA: 612.859093194,
+      debtorLifeInsuranceFee: 22.14,
+      codebtorLifeInsuranceFee: 0,
+      propertyInsuranceFee: 4.8
+    };
+    const amortizationMethod = AmortizationMethod.GERMAN;
+    const paymentNumber = new PaymentNumber(1);
+    const numberOfMonths = new NumberOfMonths(360);
+    const previousBalance = new PreviousBalance(129600);
+    const annualRate = 0.075;
+    // const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017); // 0.00017
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017); // 0.00017
+    const inflationaryUpperBound = 1;
+    const propertyAmount = 160000;
+    // const propertyInsuranceRate = new CreditInsuranceRate(0.00003); // 0.00003
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003); // 0.00003
+    // const IPCAmap = { '2022-01-05': 0.0095, '2022-02-05': 0.0073 };
+    const IPCAmap = {
+      // '2021-12-23': 1.25,
+      '2021-12-23': 0.0125,
+      // '2022-01-05': 0.95,
+      '2022-01-05': 0.0095
+    };
+    const inputs: DebtInputs = {
+      amortizationMethod,
+      paymentNumber,
+      numberOfMonths,
+      previousBalance,
+      inflationaryUpperBound,
+      propertyAmount,
+      IPCAmap
+    };
+    const params: DebtParams = {
+      annualRate,
+      debtorLifeInsuranceRate,
+      propertyInsuranceRate
+    };
+    const result = service.getTotalMonthlyPayment(inputs, params);
+    expect(expectedResult).toEqual(result);
+  });
 });
+
 describe('installment-service for french method', () => {
   const service = new InstallmentService(new MathService(true, 10));
   it('Alitio (inflationaryUpperBound 1) should return the calculated installment', () => {
     const expectedResult = {
-      totalMonthlyPayment: 5928.5651403922,
       IPCAByDates: [
         { date: '2022-01-19', ipca: 0.0095, dailyIPCA: 0.0003050516 },
         { date: '2022-01-20', ipca: 0.0095, dailyIPCA: 0.0003050516 },
@@ -971,8 +1072,9 @@ describe('installment-service for french method', () => {
       monthlyPaymentWithInsurances: 5928.5651403922,
       amortization: 1638.6085052585,
       amortizationIPCA: 2378.0766351337,
-      lifeInsuranceFee: 82.01,
-      propertyInsuranceFee: 25.35
+      debtorLifeInsuranceFee: 82.01,
+      propertyInsuranceFee: 25.35,
+      codebtorLifeInsuranceFee: 0
     };
 
     const amortizationMethod = AmortizationMethod.FRENCH;
@@ -980,10 +1082,10 @@ describe('installment-service for french method', () => {
     const numberOfMonths = new NumberOfMonths(162);
     const previousBalance = new PreviousBalance(480000.00); //
     const annualRate = 0.085;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
     const inflationaryUpperBound = 1;
     const propertyAmount = 845000;
-    const propertyInsuranceRate = new CreditInsuranceRate(0.003);
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
     const IPCAmap = { '2022-01-19': 0.0095, '2022-02-05': 0.0073 };
     const inputs: DebtInputs = {
       amortizationMethod,
@@ -996,7 +1098,7 @@ describe('installment-service for french method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -1006,7 +1108,6 @@ describe('installment-service for french method', () => {
   // Falla en el cálculo de la amortizationIPC
   it.skip('Lucia (inflationaryUpperBound 0.0049, installment  1) should return the calculated installment', () => {
     const expectedResult = {
-      totalMonthlyPayment: 971.3444273244,
       IPCAByDates: [
         { date: '2022-01-03', ipca: 0.0095, dailyIPCA: 0.0003050516 },
         { date: '2022-01-04', ipca: 0.0095, dailyIPCA: 0.0003050516 },
@@ -1112,8 +1213,9 @@ describe('installment-service for french method', () => {
       monthlyPaymentWithInsurances: 991.60, //
       amortization: 61.7244273244,
       amortizationIPCA: 388.01, //
-      lifeInsuranceFee: 13.46,
-      propertyInsuranceFee: 3
+      debtorLifeInsuranceFee: 13.46,
+      propertyInsuranceFee: 3,
+      codebtorLifeInsuranceFee: 0
     };
 
     const amortizationMethod = AmortizationMethod.FRENCH;
@@ -1121,7 +1223,7 @@ describe('installment-service for french method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(78410.25); //
     const annualRate = 0.0750;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.017);
     const inflationaryUpperBound = 0.0049;
     const propertyAmount = 100000;
     const propertyInsuranceRate = new CreditInsuranceRate(0.003);
@@ -1137,7 +1239,7 @@ describe('installment-service for french method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);
@@ -1146,7 +1248,6 @@ describe('installment-service for french method', () => {
   // Falla en el cálculo de la amortizationIPC
   it.skip('Sylvio (inflationaryUpperBound 0.0036, installment  1) should return the calculated installment', () => {
     const expectedResult = {
-      totalMonthlyPayment: 8785.6909025334,
       IPCAByDates: [
         { date: '2022-01-19', ipca: 0.0095, dailyIPCA: 0.0003050516 },
         { date: '2022-01-20', ipca: 0.0095, dailyIPCA: 0.0003050516 },
@@ -1224,8 +1325,9 @@ describe('installment-service for french method', () => {
       amortization: 869.3209025334,
       // amortizationIPCA: 3990.71,
       amortizationIPCA: 4010.57,
-      lifeInsuranceFee: 189.59,
-      propertyInsuranceFee: 39.09
+      debtorLifeInsuranceFee: 189.59,
+      propertyInsuranceFee: 39.09,
+      codebtorLifeInsuranceFee: 0
     };
 
     const amortizationMethod = AmortizationMethod.FRENCH;
@@ -1233,7 +1335,7 @@ describe('installment-service for french method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(1109724.78); //
     const annualRate = 0.0750;
-    const lifeInsuranceRates = [new CreditInsuranceRate(0.017)];
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.017);
     const inflationaryUpperBound = 0.0036;
     const propertyAmount = 1303000;
     const propertyInsuranceRate = new CreditInsuranceRate(0.003);
@@ -1249,7 +1351,7 @@ describe('installment-service for french method', () => {
     };
     const params: DebtParams = {
       annualRate,
-      lifeInsuranceRates,
+      debtorLifeInsuranceRate,
       propertyInsuranceRate
     };
     const result = service.getTotalMonthlyPayment(inputs, params);