creditu-common-library 1.3.0 → 1.3.3

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

@@ -6,8 +6,7 @@ export declare class AmortizationService {
     constructor(math: MathService);
     private readonly interestService;
     private getMonthlyPayment;
-    getAmortizationIPC(upperBound: number, amortizationDiff: number, IPCAupdate: number): number;
-    getAmortizationDiffGerman(previousBalance: number, balance: number, numberOfMonths: number): number;
+    private getAmortizationDiffGerman;
     /**
      *
      * @param monthlyRate Tasa mensual del crédito
@@ -17,7 +16,7 @@ export declare class AmortizationService {
      * @param paymentNumber Número de cuota
      * @returns
      */
-    getAmortizationDiffFrench(monthlyRate: number, numberOfMonths: number, previusBalance: number, balance: number, paymentNumber: number): number;
+    private getAmortizationDiffFrench;
     /**
      *
      * @param monthlyRate Tasa mensual del crédito
@@ -26,7 +25,7 @@ export declare class AmortizationService {
      * @param paymentNumber Número de cuota
      * @returns
      */
-    getAmortizationFrench(monthlyRate: number, numberOfMonths: number, balance: number, paymentNumber: number): number;
+    private getAmortizationFrench;
     /**
      * Calcula la amortizacion
      * @param paymentNumber
@@ -39,4 +38,5 @@ export declare class AmortizationService {
         amortizationDiff: any;
     };
     getAmortization(amortizationIUB: number, postponedInflationaryUpdate: number, amortizationDiff: number): number;
+    getAmortizationIPC(upperBound: number, amortizationDiff: number, IPCAupdate: number): number;
 }

package/debt/services/amortization-service.js

@@ -17,12 +17,6 @@ var AmortizationService = /** @class */ (function () {
         var periodRate = this.math.subtract(periodInterest, 1);
         return this.math.multiply(this.math.divide(interest, periodRate), balance);
     };
-    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), 10);
     };
@@ -35,8 +29,8 @@ var AmortizationService = /** @class */ (function () {
      * @param paymentNumber Número de cuota
      * @returns
      */
-    AmortizationService.prototype.getAmortizationDiffFrench = function (monthlyRate, numberOfMonths, previusBalance, balance, paymentNumber) {
-        var period = this.math.subtract(this.math.add(numberOfMonths, 1), paymentNumber);
+    AmortizationService.prototype.getAmortizationDiffFrench = function (monthlyRate, period, previusBalance, balance) {
+        // const 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);
@@ -53,8 +47,8 @@ var AmortizationService = /** @class */ (function () {
      * @param paymentNumber Número de cuota
      * @returns
      */
-    AmortizationService.prototype.getAmortizationFrench = function (monthlyRate, numberOfMonths, balance, paymentNumber) {
-        var period = this.math.subtract(this.math.add(numberOfMonths, 1), paymentNumber);
+    AmortizationService.prototype.getAmortizationFrench = function (monthlyRate, period, balance) {
+        // const 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);
@@ -80,20 +74,26 @@ var AmortizationService = /** @class */ (function () {
         }
         var amortizationIUB;
         var amortizationDiff;
+        var period = this.math.subtract(this.math.add(inputs.numberOfMonths.value(), 1), inputs.paymentNumber.value());
         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());
+            amortizationDiff = this.getAmortizationDiffGerman(inputs.previousBalance.value(), balance, period);
         }
         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());
+            amortizationIUB = this.getAmortizationFrench(monthlyRate, period, balance);
+            amortizationDiff = this.getAmortizationDiffFrench(monthlyRate, period, inputs.previousBalance.value(), balance);
         }
         return { amortizationIUB: amortizationIUB, amortizationDiff: amortizationDiff };
     };
     AmortizationService.prototype.getAmortization = function (amortizationIUB, postponedInflationaryUpdate, amortizationDiff) {
         return this.math.subtract(amortizationIUB, postponedInflationaryUpdate, 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);
+    };
     return AmortizationService;
 }());
 exports.AmortizationService = AmortizationService;

package/debt/services/installment-service.js

@@ -51,7 +51,7 @@ var InstallmentService = /** @class */ (function () {
         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 codebtorLifeInsuranceFee = 0;
         var propertyInsuranceFee = this.insuranceService.getInsuranceFee(inputs.propertyAmount, params.propertyInsuranceRate, insurancePeriods);
         var monthlyPaymentWithInsurances = this.monthlyPaymentService.getMonthlyPaymentWithInsurances(interest, interestDiff, amortizationIUB, amortizationIPCA, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee);
         var dailyRate = this.interestService.getDailyInterestValue(params.annualRate);

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

@@ -67,4 +67,18 @@ export declare class OfferInputs {
      * Se utiliza para aplicar o no lógico de doble cuota y setear los valores de: numberOfAnnualDoublePayments, indexOfFirstDoublePayment, indexOfSecondDoublePayment
      */
     useDoublePayments: boolean;
+    /**
+     * Estado de la propiedad
+     * true = Nueva
+     * false = Usada
+     */
+    isPropertyNew: boolean;
+    /**
+     * Distrito del cliente (Perú)
+     */
+    district: string;
+    /**
+     * Edad prospecto
+     */
+    prospectAge: number;
 }

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "1.3.0",
+  "version": "1.3.3",
   "description": "",
   "main": "lib/index.js",
   "files": [

package/test/installment.service.spec.ts

@@ -394,20 +394,20 @@ describe('installment-service for german method', () => {
         ]
       },
       balanceInflationaryUpdated: 130438.2727816632,
-      balanceAfter: 128879.9907283133,
+      balanceAfter: 128880,
       ipcaUpdate: 1198.2727816632,
       dailyRate: 0.0002009109,
       interest: 781.24533156,
       interestDiff: 7.2434619051,
       interestIUB: 788.4887934651,
-      monthlyPayment: 1141.2546032467,
-      monthlyPaymentWithInsurances: 2373.4165708302,
-      monthlyPaymentWithLate: 2373.4165708302,
-      amortization: 360.0092716867,
-      amortizationDiff: 3.3285355046,
+      monthlyPayment: 1141.24533156,
+      monthlyPaymentWithInsurances: 2373.4072991435,
+      monthlyPaymentWithLate: 2373.4072991435,
+      amortization: 360,
+      amortizationDiff: 3.3378071913,
       amortizationIUB: 363.3378071913,
       postponedInflationaryUpdate: 0,
-      amortizationIPCA: 1194.9442461586,
+      amortizationIPCA: 1194.9349744719,
       debtorLifeInsuranceFee: 22.1457240152,
       codebtorLifeInsuranceFee: 0,
       propertyInsuranceFee: 4.5,
@@ -522,20 +522,20 @@ describe('installment-service for german method', () => {
         ]
       },
       balanceInflationaryUpdated: 130438.2727816632,
-      balanceAfter: 129432.0635099765,
+      balanceAfter: 129432.0727816632,
       ipcaUpdate: 1198.2727816632,
       dailyRate: 0.0002009109,
       interest: 781.24533156,
       interestDiff: 7.2434619051,
       interestIUB: 788.4887934651,
-      monthlyPayment: 589.1818215835,
-      monthlyPaymentWithInsurances: 1821.343789167,
-      monthlyPaymentWithLate: 1821.343789167,
-      amortization: -192.0635099765,
-      amortizationDiff: 3.3285355046,
+      monthlyPayment: 589.1725498968,
+      monthlyPaymentWithInsurances: 1821.3345174803,
+      monthlyPaymentWithLate: 1821.3345174803,
+      amortization: -192.0727816632,
+      amortizationDiff: 3.3378071913,
       amortizationIUB: 363.3378071913,
       postponedInflationaryUpdate: 552.0727816632,
-      amortizationIPCA: 642.8714644954,
+      amortizationIPCA: 642.8621928087,
       debtorLifeInsuranceFee: 22.1457240152,
       codebtorLifeInsuranceFee: 0,
       propertyInsuranceFee: 4.5,
@@ -803,20 +803,20 @@ describe('installment-service for german method', () => {
         ]
       },
       balanceInflationaryUpdated: 130438.2727816632,
-      balanceAfter: 128879.9907283133,
+      balanceAfter: 128880,
       ipcaUpdate: 1198.2727816632,
       dailyRate: 0.0002009109,
       interest: 781.24533156,
       interestDiff: 7.2434619051,
       interestIUB: 788.4887934651,
-      monthlyPayment: 1141.2546032467,
-      monthlyPaymentWithInsurances: 2373.4165708302,
-      monthlyPaymentWithLate: 2373.4165708302,
-      amortization: 360.0092716867,
-      amortizationDiff: 3.3285355046,
+      monthlyPayment: 1141.24533156,
+      monthlyPaymentWithInsurances: 2373.4072991435,
+      monthlyPaymentWithLate: 2373.4072991435,
+      amortization: 360,
+      amortizationDiff: 3.3378071913,
       amortizationIUB: 363.3378071913,
       postponedInflationaryUpdate: 0,
-      amortizationIPCA: 1194.9442461586,
+      amortizationIPCA: 1194.9349744719,
       debtorLifeInsuranceFee: 22.1457240152,
       codebtorLifeInsuranceFee: 0,
       propertyInsuranceFee: 4.5,
@@ -1510,14 +1510,14 @@ describe('installment-service for french method', () => {
       interestDiff: 8.1492915458,
       interestIUB: 1292.4276568637,
       monthlyPayment: 177.7754709601,
-      monthlyPaymentWithInsurances: 1655.2241060841,
+      monthlyPaymentWithInsurances: 1584.4958814739,
       amortization: -1106.5028943578,
       amortizationDiff: 0,
       amortizationIUB: 0,
       postponedInflationaryUpdate: 1106.5028943578,
       amortizationIPCA: 207,
       debtorLifeInsuranceFee: 70.7282246102,
-      codebtorLifeInsuranceFee: 70.7282246102,
+      codebtorLifeInsuranceFee: 0,
       propertyInsuranceFee: 14.34,
       lateDays: 0,
       lateCharges: 0,
@@ -1525,7 +1525,7 @@ describe('installment-service for french method', () => {
       lateAmortizationIPCA: 0,
       lateChargesInterest: 0,
       lateRate: 0.0003875435,
-      monthlyPaymentWithLate: 1655.2241060841
+      monthlyPaymentWithLate: 1584.4958814739
     };
     const amortizationMethod = AmortizationMethod.FRENCH;
     const paymentNumber = new PaymentNumber(1);
@@ -1637,14 +1637,14 @@ describe('installment-service for french method', () => {
       interestDiff: 8.9681456397,
       interestIUB: 1347.9316492677,
       monthlyPayment: 153.2086940493,
-      monthlyPaymentWithInsurances: 1634.2476474001,
+      monthlyPaymentWithInsurances: 1598.7278997811,
       amortization: -1185.7548095787,
       amortizationDiff: 0,
       amortizationIUB: 0,
       postponedInflationaryUpdate: 1185.7548095787,
       amortizationIPCA: 208.1065028944,
       debtorLifeInsuranceFee: 35.519747619,
-      codebtorLifeInsuranceFee: 35.519747619,
+      codebtorLifeInsuranceFee: 0,
       propertyInsuranceFee: 7.17,
       lateDays: 0,
       lateCharges: 0,
@@ -1652,7 +1652,7 @@ describe('installment-service for french method', () => {
       lateAmortizationIPCA: 0,
       lateChargesInterest: 0,
       lateRate: 0.0005488375,
-      monthlyPaymentWithLate: 1634.2476474001
+      monthlyPaymentWithLate: 1598.7278997811
     };
     const amortizationMethod = AmortizationMethod.FRENCH;
     const paymentNumber = new PaymentNumber(2);
@@ -1761,14 +1761,14 @@ describe('installment-service for french method', () => {
       interestDiff: 12.0642793752,
       interestIUB: 1861.5760642211,
       monthlyPayment: 1129.7984759794,
-      monthlyPaymentWithInsurances: 3315.4991476599,
+      monthlyPaymentWithInsurances: 3214.1189294405,
       amortization: -719.7133088665,
       amortizationDiff: 0,
       amortizationIUB: 0,
       postponedInflationaryUpdate: 719.7133088665,
       amortizationIPCA: 1217.862647,
       debtorLifeInsuranceFee: 101.3802182194,
-      codebtorLifeInsuranceFee: 101.3802182194,
+      codebtorLifeInsuranceFee: 0,
       propertyInsuranceFee: 33.3,
       lateDays: 0,
       lateCharges: 0,
@@ -1776,7 +1776,7 @@ describe('installment-service for french method', () => {
       lateAmortizationIPCA: 0,
       lateChargesInterest: 0,
       lateRate: 0.0005488375,
-      monthlyPaymentWithLate: 3315.4991476599
+      monthlyPaymentWithLate: 3214.1189294405
     };
 
     const amortizationMethod = AmortizationMethod.FRENCH;
@@ -1811,4 +1811,146 @@ describe('installment-service for french method', () => {
     const result = service.getTotalMonthlyPayment(inputs, params);
     expect(result).toEqual(expectedResult);
   });
+  it('Luciana (installment 1) should return the calculated installment', () => {
+    const expectedResult = {
+      IPCAByDates: [
+        { date: '2022-04-18', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-19', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-20', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-21', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-22', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-23', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-24', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-25', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-26', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-27', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-28', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-29', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-04-30', ipca: 0.0101, dailyIPCA: 0.000335034 },
+        { date: '2022-05-01', ipca: 0.0162, dailyIPCA: 0.0005185273 },
+        { date: '2022-05-02', ipca: 0.0162, dailyIPCA: 0.0005185273 },
+        { date: '2022-05-03', ipca: 0.0162, dailyIPCA: 0.0005185273 },
+        { date: '2022-05-04', ipca: 0.0162, dailyIPCA: 0.0005185273 },
+        { date: '2022-05-05', ipca: 0.0162, dailyIPCA: 0.0005185273 },
+        { date: '2022-05-06', ipca: 0.0162, dailyIPCA: 0.0005185273 },
+        { date: '2022-05-07', ipca: 0.0162, dailyIPCA: 0.0005185273 },
+        { date: '2022-05-08', ipca: 0.0162, dailyIPCA: 0.0005185273 }
+      ],
+      balanceValues: {
+        balances: [
+          242279.144564732, 242360.3163156521,
+          242441.5152618686, 242522.7414124928,
+          242603.9947766392, 242685.2753634252,
+          242766.5831819713, 242847.9182414011,
+          242929.2805508412, 243010.6701194213,
+          243092.0869562741, 243173.5310705354,
+          243299.6231850329, 243425.7806817341,
+          243552.0035945414, 243678.2919573749,
+          243804.6458041722, 243931.0651688885,
+          244057.5500854966, 244184.100587987
+        ],
+        balanceMonetaryUpdateValues: [
+          81.144564732, 81.1717509201,
+          81.1989462165, 81.2261506242,
+          81.2533641464, 81.280586786,
+          81.3078185461, 81.3350594298,
+          81.3623094401, 81.3895685801,
+          81.4168368528, 81.4441142613,
+          126.0921144975, 126.1574967012,
+          126.2229128073, 126.2883628335,
+          126.3538467973, 126.4193647163,
+          126.4849166081, 126.5505024904
+        ]
+      },
+      balanceInflationaryUpdated: 244184.100587987,
+      balanceAfter: 242048.7684186506,
+      ipcaUpdate: 1986.100587987,
+      dailyRate: 0.0002330313,
+      interest: 1132.6166001979,
+      interestDiff: 9.2878161488,
+      interestIUB: 1141.9044163467,
+      monthlyPayment: 1281.8481815473,
+      monthlyPaymentWithInsurances: 3384.8755862471,
+      amortization: 149.2315813494,
+      amortizationDiff: 1.2237464036,
+      amortizationIUB: 150.455327753,
+      postponedInflationaryUpdate: 0,
+      amortizationIPCA: 1984.8768415834,
+      debtorLifeInsuranceFee: 82.679000564,
+      codebtorLifeInsuranceFee: 0,
+      propertyInsuranceFee: 24.96,
+      lateDays: 0,
+      lateCharges: 0,
+      lateInterest: 0,
+      lateAmortizationIPCA: 0,
+      lateChargesInterest: 0,
+      lateRate: 0.0007515586,
+      monthlyPaymentWithLate: 3384.8755862471
+    };
+    const amortizationMethod = AmortizationMethod.FRENCH;
+    const paymentNumber = new PaymentNumber(1);
+    const isGraceMonth = false;
+    const numberOfMonths = new NumberOfMonths(360);
+    const previousBalance = new PreviousBalance(242198.00); //
+    const annualRate = 0.0875;
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
+    const inflationaryUpperBound = 1;
+    const propertyAmount = 416000.0;
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
+    const IPCAmap = { '2022-04-18': 0.0101, '2022-05-08': 0.0162 };
+    const inputs: DebtInputs = {
+      amortizationMethod,
+      isGraceMonth,
+      paymentNumber,
+      numberOfMonths,
+      previousBalance,
+      inflationaryUpperBound,
+      propertyAmount,
+      IPCAmap,
+      IPCAmapLate: { '2022-03-08': 0.0054 },
+      today: '2022-05-08'
+    };
+    const params: DebtParams = {
+      annualRate,
+      debtorLifeInsuranceRate,
+      // codebtorLifeInsuranceRate: debtorLifeInsuranceRate,
+      propertyInsuranceRate
+    };
+    const result = service.getTotalMonthlyPayment(inputs, params);
+    expect(result).toEqual(expectedResult);
+  });
+  it('Tiago (installment 4) should return the calculated installment with correct amortizationDiff', () => {
+    const amortizationMethod = AmortizationMethod.GERMAN;
+    const paymentNumber = new PaymentNumber(3);
+    const isGraceMonth = false;
+    const numberOfMonths = new NumberOfMonths(360);
+    const previousBalance = new PreviousBalance(164217.58); //
+    const annualRate = 0.0800;
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
+    const inflationaryUpperBound = 0.003;
+    const propertyAmount = 208000;
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
+    const IPCAmap = { '2022-04-08': 0.0101, '2022-05-08': 0.0162 };
+    const inputs: DebtInputs = {
+      amortizationMethod,
+      isGraceMonth,
+      paymentNumber,
+      numberOfMonths,
+      previousBalance,
+      inflationaryUpperBound,
+      propertyAmount,
+      IPCAmap,
+      IPCAmapLate: { '2022-05-08': 0.0162 },
+      today: '2022-05-08'
+    };
+    const params: DebtParams = {
+      annualRate,
+      debtorLifeInsuranceRate,
+      // codebtorLifeInsuranceRate: debtorLifeInsuranceRate,
+      propertyInsuranceRate
+    };
+    const result = service.getTotalMonthlyPayment(inputs, params);
+    const { amortizationDiff } = result;
+    expect(amortizationDiff).toBe(5.313323492);
+  });
 });

package/test/offer.service.spec.ts

@@ -72,7 +72,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0,
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       useDoublePayments: true,
-      clientAge: undefined
+      clientAge: undefined,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const offerParams: OfferParams = {
       purpose: Purpose.HOME,
@@ -218,7 +221,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -326,7 +332,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 12, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -436,7 +445,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -546,7 +558,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 12, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -656,7 +671,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -766,7 +784,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -876,7 +897,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 12, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -986,7 +1010,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -1095,7 +1122,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.CREDITU,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -1205,7 +1235,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -1314,7 +1347,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -1423,7 +1459,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 35,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -1532,7 +1571,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: 0,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -1641,7 +1683,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: null,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);
@@ -1750,7 +1795,10 @@ describe('offerService', () => {
       numberOfGraceMonths: 0, // Meses de gracias(N)
       operationalExpensesFinancing: OperationalExpensesFinancing.DEBTOR,
       clientAge: undefined,
-      useDoublePayments: false
+      useDoublePayments: false,
+      district: undefined,
+      isPropertyNew: undefined,
+      prospectAge: undefined
     };
     const math = new MathService(true, 20);
     const offerService = new OfferService(math);