creditu-common-library 1.3.1 → 1.3.4

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/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/offer/services/offer.service.js

@@ -314,7 +314,7 @@ var OfferService = /** @class */ (function () {
     // eslint-disable-next-line class-methods-use-this
     OfferService.prototype.getCreditAmountToOffer = function (approvedAmount, credituAmount, creditMinAmount, creditMaxAmount) {
         models_1.Guarder.defined(creditMinAmount, 'CreditMinAmount');
-        var minApprovedAmount = Math.min(approvedAmount, credituAmount);
+        var minApprovedAmount = Math.round(Math.min(approvedAmount, credituAmount));
         if (minApprovedAmount > creditMaxAmount.value())
             return creditMaxAmount.value();
         if (minApprovedAmount < creditMinAmount.value())

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "1.3.1",
+  "version": "1.3.4",
   "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,
@@ -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,
@@ -129,25 +132,25 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 0,
       gp: 32499.999999999996,
-      lifeInsuranceFee: 95.00401058569999,
+      lifeInsuranceFee: 95.00399000000002,
       propertyInsuranceFee: 19.5,
       unemploymentInsuranceFee: 0,
-      creditAmount: 558847.1210925741,
+      creditAmount: 558847,
       credituAmount: 582660,
       approvedAmount: 558847.1210925741,
       approvedAmountFinanceCharge: 718916.7501636882,
-      creditInsurancePremium: 41396.0830427353,
-      installment: 7707.9959894143,
+      creditInsurancePremium: 41396.074072915,
+      installment: 7707.9943192239,
       unitInstallment: 0.0137926737,
       approvedAmountIncomeDividend: 558847.1210925741,
-      backEndRatio: 0.35,
+      backEndRatio: 0.3499999244,
       approvedAmountLoanToValue: 584997.6600163799,
-      financingAmount: 517451.03803419106,
-      frontEndRatio: 0.35,
-      loanToValueCredit: 0.8597648017,
-      loanToValueHome: 0.7960785201,
-      totalFee: 7822.500000000001,
-      creditFee: 7822.500000000001,
+      financingAmount: 517450.9259114373,
+      frontEndRatio: 0.3499999244,
+      loanToValueCredit: 0.8597646154,
+      loanToValueHome: 0.7960783476,
+      totalFee: 7822.4983092239,
+      creditFee: 7822.4983092239,
       propertyValue: 650000,
       monthlyInterestRate: 0.0110148959202348,
       amountRequestedByClient: 539500,
@@ -155,7 +158,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 0,
       operationalExpenses: 34435.539999999986,
       creditInsuranceFactor: 0.08,
-      financingRatio: 0.9591307470999999
+      financingRatio: 0.9591305392
     };
 
     const params: OfferParams = {
@@ -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);
@@ -234,28 +240,28 @@ describe('offerService', () => {
       Kgop2: 0,
       Kscr: 0.0066666667,
       adjustmentFactorGraceMonths: 1,
-      creditInsuranceFee: 2914.0306328198,
+      creditInsuranceFee: 2914.0333479035,
       gf: 0,
       gp: 32499.999999999996,
-      lifeInsuranceFee: 74.3077807654,
+      lifeInsuranceFee: 74.30785,
       propertyInsuranceFee: 19.5,
       unemploymentInsuranceFee: 0,
-      creditAmount: 437104.5927374448,
+      creditAmount: 437105,
       credituAmount: 585000,
       approvedAmount: 437104.5927374448,
       approvedAmountFinanceCharge: 562303.7167625874,
-      creditInsurancePremium: 34968.3674189956,
-      installment: 4814.6615864149,
+      creditInsurancePremium: 34968.4,
+      installment: 4814.6660723694995,
       unitInstallment: 0.0110148959202348,
       approvedAmountIncomeDividend: 437104.5927374448,
-      backEndRatio: 0.35,
+      backEndRatio: 0.35000032529999997,
       approvedAmountLoanToValue: 585000,
-      financingAmount: 437104.5927374448,
+      financingAmount: 437105,
       frontEndRatio: 0.35,
-      loanToValueCredit: 0.6724686042,
-      loanToValueHome: 0.6724686042,
-      totalFee: 7822.5000000001,
-      creditFee: 7822.5000000001,
+      loanToValueCredit: 0.6724692308,
+      loanToValueHome: 0.6724692308,
+      totalFee: 7822.5072702729985,
+      creditFee: 7822.5072702729985,
       propertyValue: 650000,
       monthlyInterestRate: 0.0110148959202348,
       amountRequestedByClient: 585000,
@@ -263,7 +269,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 0,
       operationalExpenses: 34435.539999999986,
       creditInsuranceFactor: 0.08,
-      financingRatio: 0.7471873379999999
+      financingRatio: 0.7471880341999999
     };
 
     const params: OfferParams = {
@@ -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);
@@ -344,28 +353,28 @@ describe('offerService', () => {
       Kgop2: 0,
       Kscr: 0.0066666667,
       adjustmentFactorGraceMonths: 1,
-      creditInsuranceFee: 2521.6511653518,
+      creditInsuranceFee: 2521.6533459416,
       gf: 0,
       gp: 32499.999999999996,
-      lifeInsuranceFee: 64.302104395,
+      lifeInsuranceFee: 64.30216,
       propertyInsuranceFee: 19.5,
       unemploymentInsuranceFee: 0,
-      creditAmount: 378247.6729115391,
+      creditAmount: 378248,
       credituAmount: 585000,
       approvedAmount: 378247.6729115391,
       approvedAmountFinanceCharge: 486588.50963552855,
-      creditInsurancePremium: 30259.813832923104,
-      installment: 5217.046730253201,
+      creditInsurancePremium: 30259.84,
+      installment: 5217.0512416776,
       unitInstallment: 0.0137926737,
       approvedAmountIncomeDividend: 378247.6729115391,
-      backEndRatio: 0.35,
+      backEndRatio: 0.35000030190000003,
       approvedAmountLoanToValue: 585000,
-      financingAmount: 378247.6729115391,
+      financingAmount: 378248,
       frontEndRatio: 0.35,
-      loanToValueCredit: 0.5819194968,
-      loanToValueHome: 0.5819194968,
-      totalFee: 7822.500000000001,
-      creditFee: 7822.500000000001,
+      loanToValueCredit: 0.58192,
+      loanToValueHome: 0.58192,
+      totalFee: 7822.5067476192,
+      creditFee: 7822.5067476192,
       propertyValue: 650000,
       monthlyInterestRate: 0.0110148959202348,
       amountRequestedByClient: 585000,
@@ -373,7 +382,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 0,
       operationalExpenses: 34435.539999999986,
       creditInsuranceFactor: 0.08,
-      financingRatio: 0.6465772187
+      financingRatio: 0.6465777778
     };
 
     const params: OfferParams = {
@@ -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);
@@ -454,28 +466,28 @@ describe('offerService', () => {
       Kgop2: 0,
       Kscr: 0.0029032,
       adjustmentFactorGraceMonths: 1,
-      creditInsuranceFee: 1552.3416905968,
+      creditInsuranceFee: 1552.3412969457,
       gf: 0,
       gp: 32499.999999999996,
-      lifeInsuranceFee: 95.0041840917,
+      lifeInsuranceFee: 95.00416,
       propertyInsuranceFee: 19.5,
       unemploymentInsuranceFee: 0,
-      creditAmount: 558848.1417156955,
+      creditAmount: 558848,
       credituAmount: 584999.9410752,
       approvedAmount: 558848.1417156955,
       approvedAmountFinanceCharge: 718918.0631221518,
-      creditInsurancePremium: 42776.0179277166,
-      installment: 6155.6541049068,
+      creditInsurancePremium: 42776.0070803456,
+      installment: 6155.6525439232,
       unitInstallment: 0.0110148959202348,
       approvedAmountIncomeDividend: 558848.1417156955,
-      backEndRatio: 0.3499999991,
+      backEndRatio: 0.34999991059999996,
       approvedAmountLoanToValue: 585000,
-      financingAmount: 534700.2240964576,
-      frontEndRatio: 0.3499999991,
-      loanToValueCredit: 0.8597663719,
-      loanToValueHome: 0.8226157294,
-      totalFee: 7822.4999795953,
-      creditFee: 7822.4999795953,
+      financingAmount: 534700.08850432,
+      frontEndRatio: 0.34999991059999996,
+      loanToValueCredit: 0.8597661539,
+      loanToValueHome: 0.8226155207999999,
+      totalFee: 7822.4980008689,
+      creditFee: 7822.4980008689,
       propertyValue: 650000,
       monthlyInterestRate: 0.0110148959202348,
       amountRequestedByClient: 559722,
@@ -483,7 +495,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 0,
       operationalExpenses: 34435.539999999986,
       creditInsuranceFactor: 0.08,
-      financingRatio: 0.9552960650000001
+      financingRatio: 0.9552958227999999
     };
 
     const params: OfferParams = {
@@ -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);
@@ -567,25 +582,25 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 0,
       gp: 32499.999999999996,
-      lifeInsuranceFee: 88.3999116,
+      lifeInsuranceFee: 88.39983,
       propertyInsuranceFee: 19.5,
       unemploymentInsuranceFee: 0,
-      creditAmount: 519999.48,
+      creditAmount: 519999,
       credituAmount: 519999.48,
       approvedAmount: 519999.99999999994,
       approvedAmountFinanceCharge: 880329.7165416365,
-      creditInsurancePremium: 38518.4799989215,
-      installment: 5840.918027076101,
+      creditInsurancePremium: 38518.4444433659,
+      installment: 5840.9126354541,
       unitInstallment: 0.0112325459,
       approvedAmountIncomeDividend: 684320.8585549303,
-      backEndRatio: 0.2661663507,
+      backEndRatio: 0.2661661058,
       approvedAmountLoanToValue: 519999.99999999994,
-      financingAmount: 481480.9999865185,
-      frontEndRatio: 0.2661663507,
-      loanToValueCredit: 0.7999992,
-      loanToValueHome: 0.74074,
-      totalFee: 5948.817938676101,
-      creditFee: 5948.817938676101,
+      financingAmount: 481480.5555420741,
+      frontEndRatio: 0.2661661058,
+      loanToValueCredit: 0.7999984615,
+      loanToValueHome: 0.7407393162000001,
+      totalFee: 5948.812465454101,
+      creditFee: 5948.812465454101,
       propertyValue: 650000,
       monthlyInterestRate: 0.0110148959202348,
       amountRequestedByClient: 481481,
@@ -593,7 +608,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 0,
       operationalExpenses: 34435.539999999986,
       creditInsuranceFactor: 0.08,
-      financingRatio: 1
+      financingRatio: 0.9999990769000001
     };
 
     const params: OfferParams = {
@@ -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);
@@ -677,25 +695,25 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 0,
       gp: 22500,
-      lifeInsuranceFee: 61.199938800000005,
+      lifeInsuranceFee: 61.2,
       propertyInsuranceFee: 13.5,
       unemploymentInsuranceFee: 0,
-      creditAmount: 359999.64,
+      creditAmount: 360000,
       credituAmount: 359999.64,
       approvedAmount: 360000,
       approvedAmountFinanceCharge: 717899.3819035813,
-      creditInsurancePremium: 26666.6399992533,
-      installment: 4670.8512211441,
+      creditInsurancePremium: 26666.666665920002,
+      installment: 4670.8558920000005,
       unitInstallment: 0.0129745997,
       approvedAmountIncomeDividend: 615195.607668448,
-      backEndRatio: 0.17576115409999998,
+      backEndRatio: 0.1757613293,
       approvedAmountLoanToValue: 360000,
-      financingAmount: 333332.9999906667,
-      frontEndRatio: 0.17576115409999998,
-      loanToValueCredit: 0.7999992,
-      loanToValueHome: 0.74074,
-      totalFee: 4745.551159944101,
-      creditFee: 4745.551159944101,
+      financingAmount: 333333.333324,
+      frontEndRatio: 0.1757613293,
+      loanToValueCredit: 0.8,
+      loanToValueHome: 0.7407407407,
+      totalFee: 4745.555892,
+      creditFee: 4745.555892,
       propertyValue: 450000,
       monthlyInterestRate: 0.0128434215415128,
       amountRequestedByClient: 333333,
@@ -703,7 +721,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 0,
       operationalExpenses: 24435.54,
       creditInsuranceFactor: 0.08,
-      financingRatio: 1
+      financingRatio: 1.000001
     };
 
     const params: OfferParams = {
@@ -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);
@@ -897,25 +921,25 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 0,
       gp: 32499.999999999996,
-      lifeInsuranceFee: 84.3644109052,
+      lifeInsuranceFee: 84.3644,
       propertyInsuranceFee: 0,
       unemploymentInsuranceFee: 0,
-      creditAmount: 421822.0545259302,
+      creditAmount: 421822,
       credituAmount: 519999.9999999999,
       approvedAmount: 421822.0545259302,
       approvedAmountFinanceCharge: 421822.0545259302,
       creditInsurancePremium: 0,
-      installment: 4738.1355890948,
+      installment: 4738.1349766298,
       unitInstallment: 0.0112325459,
       approvedAmountIncomeDividend: 586483.5408183229,
-      backEndRatio: 0.35,
+      backEndRatio: 0.3499999721,
       approvedAmountLoanToValue: 519999.9999999999,
-      financingAmount: 421822.0545259302,
-      frontEndRatio: 0.2157718121,
-      loanToValueCredit: 0.648957007,
-      loanToValueHome: 0.648957007,
-      totalFee: 7822.500000000001,
-      creditFee: 4822.5,
+      financingAmount: 421822,
+      frontEndRatio: 0.21577178419999998,
+      loanToValueCredit: 0.6489569231,
+      loanToValueHome: 0.6489569231,
+      totalFee: 7822.4993766298,
+      creditFee: 4822.4993766298,
       propertyValue: 650000,
       monthlyInterestRate: 0.0110148959202348,
       amountRequestedByClient: 519999.99999999994,
@@ -923,7 +947,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 0,
       operationalExpenses: 34435.539999999986,
       creditInsuranceFactor: 0,
-      financingRatio: 0.8111962587
+      financingRatio: 0.8111961538
     };
 
     const params: OfferParams = {
@@ -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);
@@ -1007,33 +1034,33 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 19.8,
       gp: 11,
-      lifeInsuranceFee: 0.6915562282,
+      lifeInsuranceFee: 0.69147,
       propertyInsuranceFee: 0.4004,
       unemploymentInsuranceFee: 0,
-      creditAmount: 1773.221098,
+      creditAmount: 1773,
       credituAmount: 1773.221098,
       approvedAmount: 1980,
       approvedAmountFinanceCharge: 4207.7629943957,
-      creditInsurancePremium: 116.8510980018,
-      installment: 9.2552950711,
+      creditInsurancePremium: 116.8363636381,
+      installment: 9.2541410541,
       unitInstallment: 0.0052194817,
       approvedAmountIncomeDividend: 3734.7943267201,
-      backEndRatio: 0.3261295773,
+      backEndRatio: 0.326109246,
       approvedAmountLoanToValue: 1980,
-      financingAmount: 1636.5700000250001,
-      frontEndRatio: 0.16962182350000002,
-      loanToValueCredit: 0.80600959,
-      loanToValueHome: 0.7438954546,
-      totalFee: 19.8945196013,
-      creditFee: 10.3472512993,
+      financingAmount: 1636.3636363886,
+      frontEndRatio: 0.1696014922,
+      loanToValueCredit: 0.8059090909,
+      loanToValueHome: 0.7438016529000001,
+      totalFee: 19.8932793561,
+      creditFee: 10.3460110541,
       propertyValue: 2200,
       monthlyInterestRate: 0.003962491754522,
       amountRequestedByClient: 1636.5700000000002,
       operationalExpensesFee: 0,
       percentageOperationalExpensesFinanced: 19.8,
-      operationalExpenses: 26.348442196000004,
+      operationalExpenses: 26.348,
       creditInsuranceFactor: 0.0714,
-      financingRatio: 1
+      financingRatio: 0.9998739047999999
     };
     const params: OfferParams = {
       maximumBackendRatio: 0.55, // Máximo de CF (L alpha)
@@ -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);
@@ -1226,33 +1259,33 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 20.8,
       gp: 12,
-      lifeInsuranceFee: 0.391312779,
+      lifeInsuranceFee: 0.391365,
       propertyInsuranceFee: 0.4368,
       unemploymentInsuranceFee: 0,
-      creditAmount: 2006.7322000000001,
+      creditAmount: 2007,
       credituAmount: 2006.7322000000001,
       approvedAmount: 2070.5411139114003,
       approvedAmountFinanceCharge: 3302.1569962424,
-      creditInsurancePremium: 133.732200002,
-      installment: 9.9468750499,
+      creditInsurancePremium: 133.7500466699,
+      installment: 9.9482024682,
       unitInstallment: 0.0049567526,
       approvedAmountIncomeDividend: 2070.5411139114003,
-      backEndRatio: 0.33963817939999996,
+      backEndRatio: 0.339681667,
       approvedAmountLoanToValue: 2160,
-      financingAmount: 1873.0000000282002,
-      frontEndRatio: 0.33963817939999996,
-      loanToValueCredit: 0.8361384167,
-      loanToValueHome: 0.7804166667,
-      totalFee: 10.7749878289,
-      creditFee: 10.7749878289,
+      financingAmount: 1873.2499533603,
+      frontEndRatio: 0.339681667,
+      loanToValueCredit: 0.83625,
+      loanToValueHome: 0.7805208138999999,
+      totalFee: 10.7763674682,
+      creditFee: 10.7763674682,
       propertyValue: 2400,
       monthlyInterestRate: 0.0035947364096048,
       amountRequestedByClient: 1873,
       operationalExpensesFee: 0,
       percentageOperationalExpensesFinanced: 20.8,
-      operationalExpenses: 27.815464399999996,
+      operationalExpenses: 27.815999999999995,
       creditInsuranceFactor: 0.0714,
-      financingRatio: 1
+      financingRatio: 1.0001334508
     };
     const params: OfferParams = {
       maximumBackendRatio: 0.55, // Máximo de CF (L alpha)
@@ -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);
@@ -1335,33 +1371,33 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 19.8,
       gp: 11,
-      lifeInsuranceFee: 0.77092587,
+      lifeInsuranceFee: 0.77103,
       propertyInsuranceFee: 0.4004,
       unemploymentInsuranceFee: 0,
-      creditAmount: 1976.7330000000002,
+      creditAmount: 1977,
       credituAmount: 1976.7330000000002,
       approvedAmount: 1980,
       approvedAmountFinanceCharge: 2733.0574039923,
-      creditInsurancePremium: 131.733000002,
-      installment: 10.143838051,
+      creditInsurancePremium: 131.7507933565,
+      installment: 10.1452081929,
       unitInstallment: 0.0051316177,
       approvedAmountIncomeDividend: 2003.5069485162,
-      backEndRatio: 0.4224900071,
+      backEndRatio: 0.42253502109999996,
       approvedAmountLoanToValue: 1980,
-      financingAmount: 1845.0000000278,
-      frontEndRatio: 0.3454861354,
-      loanToValueCredit: 0.898515,
-      loanToValueHome: 0.8386363635999999,
-      totalFee: 13.837150601000001,
-      creditFee: 11.315163921,
+      financingAmount: 1845.2492066732998,
+      frontEndRatio: 0.3455311493,
+      loanToValueCredit: 0.8986363636,
+      loanToValueHome: 0.8387496394,
+      totalFee: 13.838624872899999,
+      creditFee: 11.3166381929,
       propertyValue: 2200,
       monthlyInterestRate: 0.0035947364096048,
       amountRequestedByClient: 1845,
       operationalExpensesFee: 0,
       percentageOperationalExpensesFinanced: 19.8,
-      operationalExpenses: 26.755466000000002,
+      operationalExpenses: 26.756,
       creditInsuranceFactor: 0.0714,
-      financingRatio: 1
+      financingRatio: 1.0001350714000001
     };
     const params: OfferParams = {
       maximumBackendRatio: 0.55, // Máximo de CF (L alpha)
@@ -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);
@@ -1444,33 +1483,33 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 19.8,
       gp: 11,
-      lifeInsuranceFee: 0.6894459,
+      lifeInsuranceFee: 0.68952,
       propertyInsuranceFee: 0.4004,
       unemploymentInsuranceFee: 0,
-      creditAmount: 1767.8099999734,
+      creditAmount: 1768,
       credituAmount: 1976.7330000000002,
       approvedAmount: 1767.8099999734,
       approvedAmountFinanceCharge: 2611.0147948526,
-      creditInsurancePremium: 117.81,
-      installment: 9.5279763405,
+      creditInsurancePremium: 117.82266193939999,
+      installment: 9.5290003848,
       unitInstallment: 0.0053897061,
       approvedAmountIncomeDividend: 3047.3668578061,
-      backEndRatio: 0.4011980591,
+      backEndRatio: 0.40123158870000003,
       approvedAmountLoanToValue: 1767.8099999734,
-      financingAmount: 1650.0000000000002,
-      frontEndRatio: 0.3241941873,
-      loanToValueCredit: 0.80355,
+      financingAmount: 1650.1773380872,
+      frontEndRatio: 0.32422771699999997,
+      loanToValueCredit: 0.8036363636,
       loanToValueHome: 0.75,
-      totalFee: 13.139808920499998,
-      creditFee: 10.617822240499999,
+      totalFee: 13.140907064799999,
+      creditFee: 10.618920384800001,
       propertyValue: 2200,
       monthlyInterestRate: 0.003962491754522,
       amountRequestedByClient: 1845,
       operationalExpensesFee: 0,
       percentageOperationalExpensesFinanced: 19.8,
-      operationalExpenses: 26.3376199999,
+      operationalExpenses: 26.337999999999997,
       creditInsuranceFactor: 0.0714,
-      financingRatio: 0.8943089431
+      financingRatio: 0.8944050613000001
     };
     const params: OfferParams = {
       maximumBackendRatio: 0.55, // Máximo de CF (L alpha)
@@ -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);
@@ -1553,33 +1595,33 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 18.8,
       gp: 10,
-      lifeInsuranceFee: 0.3133845,
+      lifeInsuranceFee: 0.313365,
       propertyInsuranceFee: 0.364,
       unemploymentInsuranceFee: 0,
-      creditAmount: 1607.0999999758,
+      creditAmount: 1607,
       credituAmount: 1762.4530000000002,
       approvedAmount: 1607.0999999758,
       approvedAmountFinanceCharge: 1608.3313023417,
-      creditInsurancePremium: 107.10000000000001,
-      installment: 7.965997103299999,
+      creditInsurancePremium: 107.0933358239,
+      installment: 7.9655014282,
       unitInstallment: 0.0049567526,
       approvedAmountIncomeDividend: 1608.3313023417,
-      backEndRatio: 0.5495966518000001,
+      backEndRatio: 0.549563894,
       approvedAmountLoanToValue: 1607.0999999758,
-      financingAmount: 1500,
-      frontEndRatio: 0.5495966518000001,
-      loanToValueCredit: 0.80355,
-      loanToValueHome: 0.75,
-      totalFee: 8.643381603299998,
-      creditFee: 8.643381603299998,
+      financingAmount: 1499.9066642003,
+      frontEndRatio: 0.549563894,
+      loanToValueCredit: 0.8035,
+      loanToValueHome: 0.7499533321,
+      totalFee: 8.6428664282,
+      creditFee: 8.6428664282,
       propertyValue: 2000,
       monthlyInterestRate: 0.0035947364096048,
       amountRequestedByClient: 1645,
       operationalExpensesFee: 0,
       percentageOperationalExpensesFinanced: 18.8,
-      operationalExpenses: 25.016199999999998,
+      operationalExpenses: 25.016,
       creditInsuranceFactor: 0.0714,
-      financingRatio: 0.9118541032999999
+      financingRatio: 0.9117973643
     };
     const params: OfferParams = {
       maximumBackendRatio: 0.55, // Máximo de CF (L alpha)
@@ -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);
@@ -1662,25 +1707,25 @@ describe('offerService', () => {
       creditInsuranceFee: 0,
       gf: 1495,
       gp: 0,
-      lifeInsuranceFee: 175.01982498,
+      lifeInsuranceFee: 175.02,
       propertyInsuranceFee: 30.555525,
       unemploymentInsuranceFee: 0,
-      creditAmount: 199999.80000000002,
+      creditAmount: 200000,
       credituAmount: closeTo(200000.00000000003, 6) as any, // 200000.00000000003
       approvedAmount: 199999.80000000002,
       approvedAmountFinanceCharge: 221752.09972869532, // 259219.6004185969
       creditInsurancePremium: 0,
-      installment: 1826.7129732852002,
+      installment: 1826.7148000000002,
       unitInstallment: 0.009133574,
       approvedAmountIncomeDividend: 271708.7673152308, // 299184.9344878252
-      backEndRatio: 0.5064576647, // 0.4422342406
+      backEndRatio: 0.506458065,
       approvedAmountLoanToValue: 199999.80000000002,
-      financingAmount: 199999.80000000002,
-      frontEndRatio: 0.4064576647, // 0.3695069679
-      loanToValueCredit: 0.9,
+      financingAmount: 200000.00000000006,
+      frontEndRatio: 0.406458065,
+      loanToValueCredit: 0.9000008999999999,
       loanToValueHome: 0.9,
-      totalFee: 2532.2883232652, // 2432.2883232652
-      creditFee: 2032.2883232652,
+      totalFee: 2532.290325,
+      creditFee: 2032.290325,
       propertyValue: 222222,
       monthlyInterestRate: 0.008734593820043001,
       amountRequestedByClient: closeTo(200000.00000000003, 6) as any, // 200000.00000000003
@@ -1688,7 +1733,7 @@ describe('offerService', () => {
       percentageOperationalExpensesFinanced: 1495,
       operationalExpenses: 1495,
       creditInsuranceFactor: 0,
-      financingRatio: 0.999999
+      financingRatio: 1
     };
     const params: OfferParams = {
       maximumBackendRatio: 0.55, // Máximo de CF (L alpha)
@@ -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);