creditu-common-library 2.2.0 → 2.3.0

package/debt/models/lates-input.dto.d.ts

@@ -11,4 +11,5 @@ export declare class LatesInput {
     considerNegativeInflation: boolean;
     monthNominalLength: number | MonthNominalLength;
     inflationExchangeMethodYearlyToMonthly: InterestType;
+    isGraceMonth: boolean;
 }

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

@@ -35,7 +35,7 @@ export declare class AmortizationService {
     };
     getAmortization(amortizationIUB: number, amortizationDiff: number, postponedInflationaryUpdate: number): number;
     getAmortizationInflation(upperBound: number, amortizationDiff: number, inflationaryUpdate: number): number;
-    getAmortizations(inputs: DebtInputs, balance: number, annualRate: number, inflationaryUpdate: number): {
+    getAmortizations(inputs: DebtInputs, balance: number, annualRate: number, inflationaryUpdate: number, interestIUB: number, interestDiff: number): {
         inflationaryUpdate: number;
         upperBound: number;
         postponedInflationaryUpdate: number;

package/debt/services/amortization.service.js

@@ -88,12 +88,30 @@ var AmortizationService = /** @class */ (function () {
             : this.math.subtract(inflationaryUpdate, amortizationDiff), 10);
         return amortizationInflation < 0 ? 0 : amortizationInflation;
     };
-    AmortizationService.prototype.getAmortizations = function (inputs, balance, annualRate, inflationaryUpdate) {
-        var _a = this.getAmortizationIUB(inputs, balance, annualRate), amortizationIUB = _a.amortizationIUB, amortizationDiff = _a.amortizationDiff;
-        var upperBound = this.math.multiply(inputs.previousBalance.value(), inputs.inflationaryUpperBound);
-        var amortizationInflation = this.getAmortizationInflation(upperBound, amortizationDiff, inflationaryUpdate);
-        var postponedInflationaryUpdate = this.inflationService.getPosponedInflationaryUpdate(upperBound, inflationaryUpdate, inputs.upperBoundBehaviour);
-        var amortization = this.getAmortization(amortizationIUB, amortizationDiff, postponedInflationaryUpdate);
+    AmortizationService.prototype.getAmortizations = function (inputs, balance, annualRate, inflationaryUpdate, interestIUB, interestDiff) {
+        var upperBound;
+        var postponedInflationaryUpdate;
+        var amortizationIUB;
+        var amortizationDiff;
+        var amortization;
+        var amortizationInflation;
+        if (inputs.isGraceMonth) {
+            upperBound = 0; // no se usa en este caso
+            postponedInflationaryUpdate = inflationaryUpdate + interestDiff;
+            amortizationIUB = -interestIUB;
+            amortizationDiff = -interestDiff;
+            amortization = -(interestIUB + inflationaryUpdate); // ajustado para que balanceAfter dé lo que queremos
+            amortizationInflation = 0; // no se usa en este caso
+        }
+        else {
+            upperBound = this.math.multiply(inputs.previousBalance.value(), inputs.inflationaryUpperBound);
+            postponedInflationaryUpdate = this.inflationService.getPosponedInflationaryUpdate(upperBound, inflationaryUpdate, inputs.upperBoundBehaviour);
+            var amortizations = this.getAmortizationIUB(inputs, balance, annualRate);
+            amortizationIUB = amortizations.amortizationIUB;
+            amortizationDiff = amortizations.amortizationDiff;
+            amortization = this.getAmortization(amortizationIUB, amortizationDiff, postponedInflationaryUpdate);
+            amortizationInflation = this.getAmortizationInflation(upperBound, amortizationDiff, inflationaryUpdate);
+        }
         return {
             inflationaryUpdate: inflationaryUpdate,
             upperBound: upperBound,

package/debt/services/installment.service.js

@@ -36,7 +36,7 @@ var InstallmentService = /** @class */ (function () {
         var dueDate = Object.keys(inputs.inflationMap).pop();
         var _a = this.interestService.getInterests(inputs, balanceValues, params, dueDate), interest = _a.interest, interestIUB = _a.interestIUB, interestDiff = _a.interestDiff;
         var inflationaryUpdate = this.inflationService.getInflationaryUpdate(balanceValues.balanceMonetaryUpdateValues);
-        var _b = this.amortizationService.getAmortizations(inputs, balanceInflationaryUpdated, params.annualRate, inflationaryUpdate), upperBound = _b.upperBound, postponedInflationaryUpdate = _b.postponedInflationaryUpdate, amortizationInflation = _b.amortizationInflation, amortization = _b.amortization, amortizationIUB = _b.amortizationIUB, amortizationDiff = _b.amortizationDiff;
+        var _b = this.amortizationService.getAmortizations(inputs, balanceInflationaryUpdated, params.annualRate, inflationaryUpdate, interestIUB, interestDiff), upperBound = _b.upperBound, postponedInflationaryUpdate = _b.postponedInflationaryUpdate, amortizationInflation = _b.amortizationInflation, amortization = _b.amortization, amortizationIUB = _b.amortizationIUB, amortizationDiff = _b.amortizationDiff;
         var monthlyPayment = this.monthlyPaymentService.getMonthlyPayment({
             interestIUB: interestIUB,
             amortizationIUB: amortizationIUB,
@@ -44,15 +44,13 @@ var InstallmentService = /** @class */ (function () {
             inflationaryUpdate: inflationaryUpdate,
             postponedInflationaryUpdate: postponedInflationaryUpdate
         });
-        // TODO: Cambiar monthlyPayment para que use valores IUB
-        // Antes debemos verificar que monthlyPayment no lo estamos usando en el backend o en otro lugar.
         var balanceAfter = this.math.subtract(inputs.previousBalance.value(), amortization);
         var _c = this.insuranceService.getInsurances(inputs, params, inflationByDates, balanceValues, balanceAfter), totalLifeInsuranceFee = _c.totalLifeInsuranceFee, debtorLifeInsuranceFee = _c.debtorLifeInsuranceFee, codebtorLifeInsuranceFee = _c.codebtorLifeInsuranceFee, propertyInsuranceFee = _c.propertyInsuranceFee, monthlyCreditInsurance = _c.monthlyCreditInsurance, monthlyCreditInsuranceExpenses = _c.monthlyCreditInsuranceExpenses, monthlyCreditInsurancePrize = _c.monthlyCreditInsurancePrize;
-        var monthlyPaymentWithInsurances = this.monthlyPaymentService.getMonthlyPaymentWithInsurances(monthlyPayment, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee, monthlyCreditInsurance || 0);
+        var monthlyPaymentWithInsurances = this.monthlyPaymentService.getMonthlyPaymentWithInsurances(monthlyPayment, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee, monthlyCreditInsurance || 0, inputs.isGraceMonth);
         var TACValue = inputs.considerTAC === true ? inputs.TACValue : 0;
-        var monthlyPaymentWithTAC = this.monthlyPaymentService.getMonthlyPaymentWithTAC(monthlyPaymentWithInsurances, TACValue);
+        var monthlyPaymentWithTAC = this.monthlyPaymentService.getMonthlyPaymentWithTAC(monthlyPaymentWithInsurances, TACValue, inputs.isGraceMonth);
         var walletBalance = inputs.considerWallet === true ? inputs.walletBalance : 0;
-        monthlyPaymentWithTAC = this.monthlyPaymentService.getMonthlyPaymentWithWallet(monthlyPaymentWithTAC, walletBalance);
+        monthlyPaymentWithTAC = this.monthlyPaymentService.getMonthlyPaymentWithWallet(monthlyPaymentWithTAC, walletBalance, inputs.isGraceMonth);
         var inflationMapLate = inputs.inflationMapLate, todayIn = inputs.today;
         var today = todayIn || new creditu_date_model_1.DateModel().toString();
         var _d = this.lateService.getLates({
@@ -65,7 +63,8 @@ var InstallmentService = /** @class */ (function () {
             inflationMap: inflationMapLate,
             considerNegativeInflation: inputs.considerNegativeInflation,
             monthNominalLength: params.monthNominalLength,
-            inflationExchangeMethodYearlyToMonthly: params.inflationExchangeMethodYearlyToMonthly
+            inflationExchangeMethodYearlyToMonthly: params.inflationExchangeMethodYearlyToMonthly,
+            isGraceMonth: inputs.isGraceMonth
         }), lateDays = _d.lateDays, lateChargesFine = _d.lateChargesFine, lateInflation = _d.lateInflation, lateInflationaryCorrection = _d.lateInflationaryCorrection, lateChargesInterestRate = _d.lateChargesInterestRate, lateChargesInterest = _d.lateChargesInterest, lateInterestRate = _d.lateInterestRate, lateInterest = _d.lateInterest, lastMonthLateInflation = _d.lastMonthLateInflation, lastMonthLateChargesInterestRate = _d.lastMonthLateChargesInterestRate, lastMonthLateInterestRate = _d.lastMonthLateInterestRate, lastMonthTotalLateRate = _d.lastMonthTotalLateRate, totalLateRate = _d.totalLateRate, totalLateInterest = _d.totalLateInterest, totalLate = _d.totalLate, monthlyPaymentWithLate = _d.monthlyPaymentWithLate;
         var totalMonthlyPayment = monthlyPaymentWithLate;
         var response = {

package/debt/services/insurance.service.js

@@ -113,7 +113,8 @@ var InsuranceService = /** @class */ (function () {
         var dueDate = dates[dates.length - 1];
         var daysPerMonth = params.monthNominalLength; // En BRASIL actualmente siempre viene un número
         var numberOfExtraMonths = creditu_date_model_1.DateModel.days360(signatureDate, dueDate) > daysPerMonth ? 2 : 1;
-        return normalMonthAmount * numberOfExtraMonths;
+        // Los meses extra son ADICIONALES al que ya pagamos ese mes
+        return normalMonthAmount * (1 + numberOfExtraMonths);
     };
     InsuranceService.prototype.getInsurances = function (inputs, params, inflationByDates, balanceValues, balanceAfter) {
         var totalLifeInsuranceFee;

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

@@ -26,5 +26,5 @@ export declare class LateService {
         monthlyPaymentWithLate: number;
     };
     getTotalMonthlyPayment(dueDate: string, today: string, monthlyPaymentWithTAC: number, lateChargesFineRate: number, lateChargesInterestRate: number, interestRate: number, inflationMapLate: Record<string, number>, dailyinflationvalues: number[]): Record<string, number>;
-    getLates({ dueDate, today, totalMonthlyPaymentBeforeLate, lateChargesFineRate, lateChargesInterestRate, annualCreditInterestRate, inflationMap, considerNegativeInflation, monthNominalLength, inflationExchangeMethodYearlyToMonthly }: LatesInput): LatesOutput;
+    getLates({ dueDate, today, totalMonthlyPaymentBeforeLate, lateChargesFineRate, lateChargesInterestRate, annualCreditInterestRate, inflationMap, considerNegativeInflation, monthNominalLength, inflationExchangeMethodYearlyToMonthly, isGraceMonth }: LatesInput): LatesOutput;
 }

package/debt/services/late.service.js

@@ -125,7 +125,7 @@ var LateService = /** @class */ (function () {
     };
     LateService.prototype.getLates = function (_a) {
         var _this = this;
-        var dueDate = _a.dueDate, today = _a.today, totalMonthlyPaymentBeforeLate = _a.totalMonthlyPaymentBeforeLate, lateChargesFineRate = _a.lateChargesFineRate, lateChargesInterestRate = _a.lateChargesInterestRate, annualCreditInterestRate = _a.annualCreditInterestRate, inflationMap = _a.inflationMap, considerNegativeInflation = _a.considerNegativeInflation, monthNominalLength = _a.monthNominalLength, inflationExchangeMethodYearlyToMonthly = _a.inflationExchangeMethodYearlyToMonthly;
+        var dueDate = _a.dueDate, today = _a.today, totalMonthlyPaymentBeforeLate = _a.totalMonthlyPaymentBeforeLate, lateChargesFineRate = _a.lateChargesFineRate, lateChargesInterestRate = _a.lateChargesInterestRate, annualCreditInterestRate = _a.annualCreditInterestRate, inflationMap = _a.inflationMap, considerNegativeInflation = _a.considerNegativeInflation, monthNominalLength = _a.monthNominalLength, inflationExchangeMethodYearlyToMonthly = _a.inflationExchangeMethodYearlyToMonthly, isGraceMonth = _a.isGraceMonth;
         var lates = {
             lateDays: 0,
             lateChargesFine: 0,
@@ -144,6 +144,9 @@ var LateService = /** @class */ (function () {
             totalLate: 0,
             monthlyPaymentWithLate: totalMonthlyPaymentBeforeLate
         };
+        if (isGraceMonth) {
+            return lates;
+        }
         var todayDateModel = new creditu_date_model_1.DateModel(today);
         var dueDateDateModel = new creditu_date_model_1.DateModel(dueDate);
         var lateDays = todayDateModel.daysDiff(dueDateDateModel);

package/debt/services/monthly-payment.service.d.ts

@@ -15,14 +15,14 @@ export declare class MonthlyPaymentService {
      * @param monthlyPaymentWithInsurances
      * @param TACvalue
      */
-    getMonthlyPaymentWithTAC(monthlyPaymentWithInsurances: number, TACvalue: number): number;
+    getMonthlyPaymentWithTAC(monthlyPaymentWithInsurances: number, TACvalue: number, isGraceMonth?: boolean): number;
     /**
      * Calcula el pago de la cuota mensual considerando todo menos los cargos de atraso
      * @param interest
      * @param amortization
      * @param amortizationIinflation
      */
-    getMonthlyPaymentWithInsurances(monthlyPayment: number, debtorLifeInsuranceFee: number, codebtorLifeInsuranceFee: number, propertyInsuranceFee: number, monthlyCreditInsurance: number): number;
+    getMonthlyPaymentWithInsurances(monthlyPayment: number, debtorLifeInsuranceFee: number, codebtorLifeInsuranceFee: number, propertyInsuranceFee: number, monthlyCreditInsurance: number, isGraceMonth?: boolean): number;
     /**
      * Calcula el monto de la cuota considerando el saldo en wallet
      *
@@ -31,5 +31,5 @@ export declare class MonthlyPaymentService {
      * @param monthlyPaymentWithTAC
      * @param walletBallance
      */
-    getMonthlyPaymentWithWallet(monthlyPaymentWithTAC: number, walletBallance: number): number;
+    getMonthlyPaymentWithWallet(monthlyPaymentWithTAC: number, walletBallance: number, isGraceMonth?: boolean): number;
 }

package/debt/services/monthly-payment.service.js

@@ -41,11 +41,13 @@ var MonthlyPaymentService = /** @class */ (function () {
      * @param monthlyPaymentWithInsurances
      * @param TACvalue
      */
-    MonthlyPaymentService.prototype.getMonthlyPaymentWithTAC = function (monthlyPaymentWithInsurances, TACvalue) {
+    MonthlyPaymentService.prototype.getMonthlyPaymentWithTAC = function (monthlyPaymentWithInsurances, TACvalue, isGraceMonth) {
         this.paramsValidator({
             monthlyPaymentWithInsurances: monthlyPaymentWithInsurances,
             TACvalue: TACvalue
         });
+        if (isGraceMonth)
+            return monthlyPaymentWithInsurances;
         return this.math.add(monthlyPaymentWithInsurances, TACvalue);
     };
     /**
@@ -54,7 +56,7 @@ var MonthlyPaymentService = /** @class */ (function () {
      * @param amortization
      * @param amortizationIinflation
      */
-    MonthlyPaymentService.prototype.getMonthlyPaymentWithInsurances = function (monthlyPayment, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee, monthlyCreditInsurance) {
+    MonthlyPaymentService.prototype.getMonthlyPaymentWithInsurances = function (monthlyPayment, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee, monthlyCreditInsurance, isGraceMonth) {
         this.paramsValidator({
             monthlyPayment: monthlyPayment,
             debtorLifeInsuranceFee: debtorLifeInsuranceFee,
@@ -62,6 +64,8 @@ var MonthlyPaymentService = /** @class */ (function () {
             propertyInsuranceFee: propertyInsuranceFee,
             monthlyCreditInsurance: monthlyCreditInsurance
         });
+        if (isGraceMonth)
+            return monthlyPayment;
         return this.math.add(monthlyPayment, debtorLifeInsuranceFee, codebtorLifeInsuranceFee, propertyInsuranceFee, monthlyCreditInsurance);
     };
     /**
@@ -72,11 +76,13 @@ var MonthlyPaymentService = /** @class */ (function () {
      * @param monthlyPaymentWithTAC
      * @param walletBallance
      */
-    MonthlyPaymentService.prototype.getMonthlyPaymentWithWallet = function (monthlyPaymentWithTAC, walletBallance) {
+    MonthlyPaymentService.prototype.getMonthlyPaymentWithWallet = function (monthlyPaymentWithTAC, walletBallance, isGraceMonth) {
         this.paramsValidator({
             monthlyPaymentWithTAC: monthlyPaymentWithTAC,
             walletBallance: walletBallance
         });
+        if (isGraceMonth)
+            return monthlyPaymentWithTAC;
         return walletBallance > monthlyPaymentWithTAC ? monthlyPaymentWithTAC : this.math.subtract(monthlyPaymentWithTAC, walletBallance);
     };
     return MonthlyPaymentService;

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "2.2.0",
+  "version": "2.3.0",
   "description": "",
   "main": "lib/index.js",
   "files": [