creditu-common-library 1.2.8 → 1.2.9

package/debt/services/insurance-service.js

@@ -28,7 +28,7 @@ var InsuranceService = /** @class */ (function () {
         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));
+        var propertyInsurance = this.math.multiply(propertyAmount, propertyInsuranceRate.value());
         return this.math.round(this.math.multiply(propertyInsurance, lifeInsurancePeriods), 2);
     };
     /**
@@ -40,7 +40,7 @@ var InsuranceService = /** @class */ (function () {
         guarder_1.Guarder.defined(lifeInsuranceRate, 'CreditInsuranceRate');
         if (lifeInsuranceRate.value() === 0)
             throw new Error('Invalid life insurance rate');
-        var lifeInsurance = this.math.multiply(balance, this.math.divide(lifeInsuranceRate.value(), 100));
+        var lifeInsurance = this.math.multiply(balance, lifeInsuranceRate.value());
         var result = this.math.round(lifeInsurance, 2);
         return result;
     };

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "1.2.8",
+  "version": "1.2.9",
   "description": "",
   "main": "lib/index.js",
   "files": [

package/test/installment.service.spec.ts

@@ -92,10 +92,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129600);
     const annualRate = 0.075;
-    const debtorLifeInsuranceRate = 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
@@ -189,10 +189,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129600);
     const annualRate = 0.075;
-    const debtorLifeInsuranceRate = 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
@@ -296,10 +296,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129600);
     const annualRate = 0.075;
-    const debtorLifeInsuranceRate = 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
@@ -432,10 +432,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129240.00);
     const annualRate = 0.075;
-    const debtorLifeInsuranceRate = 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
@@ -569,10 +569,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129240);
     const annualRate = 0.075;
-    const debtorLifeInsuranceRate = 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
@@ -879,10 +879,10 @@ describe('installment-service for german method', () => {
     const numberOfMonths = new NumberOfMonths(360);
     const previousBalance = new PreviousBalance(129240.00);
     const annualRate = 0.075;
-    const debtorLifeInsuranceRate = 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,
@@ -901,7 +901,110 @@ describe('installment-service for german method', () => {
     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', () => {
@@ -979,10 +1082,10 @@ describe('installment-service for french method', () => {
     const numberOfMonths = new NumberOfMonths(162);
     const previousBalance = new PreviousBalance(480000.00); //
     const annualRate = 0.085;
-    const debtorLifeInsuranceRate = 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,