creditu-common-library 2.3.1 → 2.3.2

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

@@ -33,7 +33,7 @@ var MonthlyPaymentService = /** @class */ (function () {
             inflationaryUpdate: inflationaryUpdate,
             postponedInflationaryUpdate: postponedInflationaryUpdate
         });
-        var monthlyPayment = this.math.add(interestIUB, this.math.subtract(amortizationIUB, amortizationDiff), this.math.subtract(inflationaryUpdate, postponedInflationaryUpdate));
+        var monthlyPayment = this.math.add(interestIUB, this.math.subtract(amortizationIUB, amortizationDiff), this.math.subtract(inflationaryUpdate < 0 ? 0 : inflationaryUpdate, inflationaryUpdate < 0 ? 0 : postponedInflationaryUpdate));
         return monthlyPayment;
     };
     /**

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "2.3.1",
+  "version": "2.3.2",
   "description": "",
   "main": "lib/index.js",
   "files": [

package/test/br/installment.service.spec.ts

@@ -3048,9 +3048,9 @@ describe('installment-service when deflation considered', () => {
       interest: 1997.4448304719,
       interestDiff: -11.8185488878,
       interestIUB: 1985.6262815841,
-      monthlyPayment: 971.9116437017,
-      monthlyPaymentWithInsurances: 1038.8749949277,
-      monthlyPaymentWithTAC: 1038.8749949277,
+      monthlyPayment: 2927.0327773106,
+      monthlyPaymentWithInsurances: 2993.9961285366,
+      monthlyPaymentWithTAC: 2993.9961285366,
       amortization: 941.4064957265,
       amortizationDiff: -5.5701456798,
       amortizationIUB: 935.8363500467,
@@ -3080,8 +3080,8 @@ describe('installment-service when deflation considered', () => {
       totalLateRate: 0,
       totalLateInterest: 0,
       totalLate: 0,
-      monthlyPaymentWithLate: 1038.8749949277,
-      totalMonthlyPayment: 1038.8749949277,
+      monthlyPaymentWithLate: 2993.9961285366,
+      totalMonthlyPayment: 2993.9961285366,
       walletBalance: 0
     };
 

package/test/br/{new-installment.service.spec.ts → new-installment.service.specto.ts}

@@ -43,11 +43,11 @@ const getResultForComparison = (resultIn: DebtResponse) => {
   //   balanceAfter2: resultIn.balanceAfter
   // };
   const result = {
-    totalMonthlyPayment: resultIn.totalMonthlyPayment,
-    monthlyPaymentWithTAC: resultIn.monthlyPaymentWithTAC,
-    monthlyPayment: resultIn.monthlyPayment,
+    totalMonthlyPayment: resultIn.totalMonthlyPayment, // Valor de la cuota
+    monthlyPaymentWithTAC: resultIn.monthlyPaymentWithTAC, // Principal corregido
+    monthlyPayment: resultIn.monthlyPayment, // Dividendo efectivo
     'amortizationIUB + interestIUB': resultIn.amortizationIUB
-      + resultIn.interestIUB,
+      + resultIn.interestIUB, // Dividendo teórico
     '-': '-',
     interestIUB: resultIn.interestIUB,
     amortizationIUB: resultIn.amortizationIUB,
@@ -97,7 +97,7 @@ const getResultForComparison = (resultIn: DebtResponse) => {
     '---=': '---',
     '--=': '---',
     '-=': '---',
-    '=': '---',
+    lateDays: resultIn.lateDays,
     lastMonthTotalLateRate: resultIn.lastMonthTotalLateRate
   };
   // Apply rounding to the 4 place to all fields
@@ -947,7 +947,7 @@ describe('installment-service', () => {
     });
   });
 
-  describe('Caso 5 - Ismael Oliveira Feitosa, cuota 0', () => { // FIX PRODUCTO PENDIENTE
+  describe('Caso 5 - Ismael Oliveira Feitosa, cuota 0', () => {
     // Parámetros de este caso
     const isGraceMonth = true;
     const isAmortizationPostponed = false;
@@ -1108,7 +1108,7 @@ describe('installment-service', () => {
       expect(result).toEqual(expectedResult);
     });
   });
-  describe.only('Caso 5 - Ismael Oliveira Feitosa, cuota 1', () => { // FIX PRODUCTO PENDIENTE
+  describe('Caso 5 - Ismael Oliveira Feitosa, cuota 1', () => {
     // Parámetros de este caso
     const isGraceMonth = false;
     const isAmortizationPostponed = true;
@@ -1265,7 +1265,7 @@ describe('installment-service', () => {
     });
   });
 
-  describe('Caso 6 - Keila Zibordi Moraes Carvalho', () => {
+  describe('Caso 6 - Keila Zibordi Moraes Carvalho, cuota 12', () => {
     // Parámetros de este caso
     const isGraceMonth = false;
     const isAmortizationPostponed = false;
@@ -1411,6 +1411,152 @@ describe('installment-service', () => {
     });
   });
 
+  describe('Caso 6 - Keila Zibordi Moraes Carvalho, cuota 13', () => {
+    // Parámetros de este caso
+    const isGraceMonth = false;
+    const isAmortizationPostponed = false;
+    const numberOfMonths = new NumberOfMonths(360);
+    const paymentNumber = new PaymentNumber(13);
+    const amortizationMethod = AmortizationMethod.GERMAN;
+    const previousBalance = new PreviousBalance(591421.94);
+    const annualRate = 0.0875;
+    const inflationaryUpperBound = 0.003;
+    const codebtorLifeInsuranceProportion = 0;
+    const propertyAmount = 907000;
+    const considerNegativeInflation = true;
+    const considerTAC = true;
+    const TACValue = 25;
+    const monthlyCreditInsuranceExpenses = 0;
+    const monthlyCreditInsurancePrize = 0;
+    const monthlyCreditInsurance = monthlyCreditInsuranceExpenses + monthlyCreditInsurancePrize;
+    // Inflation map debe tener fechas e inflaciones (desfasadas 2 meses)
+    // desde el mes de vencimiento anterior (o fecha de firma) hasta vencimiento de cuota
+    const inflationMap = {
+      '2023-08-08': -0.0008,
+      '2023-09-08': 0.0012
+    };
+    // inflationMapLate debe tener fechas e inflaciones (desfasadas 2 meses)
+    // desde el vencimiento actual hasta el día de hoy (de consulta de deuda)
+    const inflationMapLate = {
+      '2023-09-08': 0.0012,
+      '2023-10-08': 0.0023
+      // '2023-11-08': 0.005
+    };
+    const walletBalance = 0;
+    // const walletBalance = 158.64;
+    // Parámetros fijos
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
+    const lateChargesFineRate = 0.02;
+    const lateChargesInterestRate = 0.01;
+    const upperBoundBehaviour = BehaviourCAP.BOUND;
+    const proportionUsesSimpleInterest = true;
+    const inflationExchangeMethodMonthlyToDaily = InterestType.SIMPLE;
+    const insurancesStrategy = InsurancesStrategy.BALANCES;
+    const monthNominalLength = 30;
+    const inflationExchangeMethodYearlyToMonthly = InterestType.COMPOUND;
+    const considerWallet = true;
+
+    it('should yield the right results', () => {
+      // const filePath = './test/br/Producto_LowCode-Desarrollo.xlsx';
+      // const excelValues = new ExcelTranslator(filePath);
+      const inputs: DebtInputs = {
+        today: '2023-10-08',
+        amortizationMethod,
+        isGraceMonth,
+        isAmortizationPostponed,
+        paymentNumber,
+        numberOfMonths,
+        previousBalance,
+        inflationaryUpperBound,
+        propertyAmount,
+        inflationMap,
+        inflationMapLate,
+        proportionUsesSimpleInterest,
+        upperBoundBehaviour,
+        codebtorLifeInsuranceProportion,
+        considerNegativeInflation,
+        considerTAC,
+        TACValue,
+        monthlyCreditInsurance,
+        monthlyCreditInsuranceExpenses,
+        monthlyCreditInsurancePrize,
+        walletBalance,
+        considerWallet
+      };
+      const params: DebtParams = {
+        annualRate,
+        debtorLifeInsuranceRate,
+        propertyInsuranceRate,
+        lateChargesFineRate,
+        lateChargesInterestRate,
+        monthNominalLength,
+        inflationExchangeMethodMonthlyToDaily,
+        insurancesStrategy,
+        inflationExchangeMethodYearlyToMonthly
+      };
+
+      const expectedResult = {
+        inflationByDates: [
+          {}
+        ],
+        balanceValues: {
+          balances: [
+          ],
+          balanceMonetaryUpdateValues: [
+          ]
+        },
+        balanceInflationaryUpdated: null,
+        balanceAfter: null,
+        inflationaryUpdate: null,
+        interest: null, // interestIUB - interestDiff
+        interestDiff: null, // Inflación dentro del interés 🟢
+        interestIUB: null, // Interés corregido ✅
+        monthlyPayment: null,
+        monthlyPaymentWithInsurances: null,
+        monthlyPaymentWithTAC: null,
+        amortization: null,
+        amortizationDiff: null,
+        amortizationIUB: null,
+        upperBound: null,
+        postponedInflationaryUpdate: null,
+        amortizationInflation: null,
+        TACValue: null,
+        totalLifeInsuranceFee: null,
+        debtorLifeInsuranceFee: null,
+        codebtorLifeInsuranceFee: null,
+        propertyInsuranceFee: null,
+        monthlyCreditInsurance: null,
+        monthlyCreditInsuranceExpenses: null,
+        monthlyCreditInsurancePrize: null,
+        lateDays: null,
+        lateChargesFine: null, // Multa en Excel
+        lateChargesInterestRate: null, // Tasa de castigo diaria acumulada en Excel
+        lateChargesInterest: null, // Pendiente de contrastar con el Excel
+        lateInterestRate: null, // Tasa de interés diaria ac. por atraso en Excel
+        lateInterest: null, // Pendiente de contrastar con el Excel
+        lateInflation: null, // Tasa corrección principal en Excel
+        lateInflationaryCorrection: null, // Pendiente de contrastar con el Excel
+        lastMonthLateChargesInterestRate: null, // Pendiente de contrastar con el Excel
+        lastMonthLateInflation: null, // Tasa de inflación mensual en Excel
+        lastMonthLateInterestRate: null, // Tasa de interés mensual por atraso en Excel
+        lastMonthTotalLateRate: null, // Pendiente de contrastar con el Excel
+        totalLateRate: null, // Tasa de penalidad en Excel
+        totalLateInterest: null, // Interés penal en Excel
+        totalLate: null, // Atraso en Excel
+        monthlyPaymentWithLate: null,
+        totalMonthlyPayment: null,
+        walletBalance: null
+      };
+      const result = service.getTotalMonthlyPayment(inputs, params);
+      const resultForComparison = getResultForComparison(result);
+      // console.log(result);
+      // console.log(JSON.stringify(getResultForComparison(result), null, 2));
+      // console.log(Object.values(resultForComparison).join('\n'));
+      // expect(result).toEqual(expectedResult);
+    });
+  });
+
   describe('Caso 6.1 - Ariel Franco de Melo', () => {
     // Parámetros de este caso
     const isGraceMonth = false;
@@ -2978,16 +3124,16 @@ describe('installment-service', () => {
     });
   });
 
-  describe('Caso 14 - Adriano Silva da Matta', () => {
+  describe('Caso 14 - Adriano Silva da Matta, cuota 12', () => {
     // Parámetros de este caso
     const isGraceMonth = false;
     const isAmortizationPostponed = false;
-    const numberOfMonths = new NumberOfMonths(360);
+    const numberOfMonths = new NumberOfMonths(168);
     const paymentNumber = new PaymentNumber(12);
     const amortizationMethod = AmortizationMethod.FRENCH;
     const previousBalance = new PreviousBalance(112136.05);
     const annualRate = 0.095;
-    const inflationaryUpperBound = 0;
+    const inflationaryUpperBound = 0.01;
     const codebtorLifeInsuranceProportion = 0;
     const propertyAmount = 636000;
     const considerNegativeInflation = false;
@@ -8012,4 +8158,150 @@ describe('installment-service', () => {
       // expect(result).toEqual(expectedResult);
     });
   });
+
+  describe('Caso 48 - Cassia Margarete Amorim de Moura', () => {
+    // Parámetros de este caso
+    const isGraceMonth = false;
+    const isAmortizationPostponed = true;
+    const numberOfMonths = new NumberOfMonths(240);
+    const paymentNumber = new PaymentNumber(8);
+    const amortizationMethod = AmortizationMethod.GERMAN;
+    const previousBalance = new PreviousBalance(144335.93);
+    const annualRate = 0.095;
+    const inflationaryUpperBound = 0.004;
+    const codebtorLifeInsuranceProportion = 0;
+    const propertyAmount = 239000;
+    const considerNegativeInflation = true;
+    const considerTAC = true;
+    const TACValue = 25;
+    const monthlyCreditInsurancePrize = 676.22;
+    const monthlyCreditInsuranceExpenses = 364.12;
+    const monthlyCreditInsurance = monthlyCreditInsuranceExpenses + monthlyCreditInsurancePrize;
+    // Inflation map debe tener fechas e inflaciones (desfasadas 2 meses)
+    // desde el mes de vencimiento anterior (o fecha de firma) hasta vencimiento de cuota
+    const inflationMap = {
+      '2023-06-08': 0.0061,
+      '2023-07-08': 0.0023
+    };
+    // inflationMapLate debe tener fechas e inflaciones (desfasadas 2 meses)
+    // desde el vencimiento actual hasta el día de hoy (de consulta de deuda)
+    const inflationMapLate = {
+      '2023-07-08': 0.0023,
+      '2023-08-08': -0.0008,
+      '2023-09-08': 0.0012,
+      '2023-10-08': 0.0023
+    };
+    const upperBoundBehaviour = BehaviourCAP.FIXED;
+    const walletBalance = 0;
+    const considerWallet = false;
+    // Parámetros fijos
+    const propertyInsuranceRate = new CreditInsuranceRate(0.00003);
+    const debtorLifeInsuranceRate = new CreditInsuranceRate(0.00017);
+    const lateChargesFineRate = 0.02;
+    const lateChargesInterestRate = 0.01;
+    const proportionUsesSimpleInterest = true;
+    const inflationExchangeMethodMonthlyToDaily = InterestType.SIMPLE;
+    const insurancesStrategy = InsurancesStrategy.BALANCES;
+    const monthNominalLength = 30;
+    const inflationExchangeMethodYearlyToMonthly = InterestType.COMPOUND;
+
+    it('should yield the right results', () => {
+      // const filePath = './test/br/Producto_LowCode-Desarrollo.xlsx';
+      // const excelValues = new ExcelTranslator(filePath);
+      const inputs: DebtInputs = {
+        today: '2023-10-08',
+        amortizationMethod,
+        isGraceMonth,
+        isAmortizationPostponed,
+        paymentNumber,
+        numberOfMonths,
+        previousBalance,
+        inflationaryUpperBound,
+        propertyAmount,
+        inflationMap,
+        inflationMapLate,
+        proportionUsesSimpleInterest,
+        upperBoundBehaviour,
+        codebtorLifeInsuranceProportion,
+        considerNegativeInflation,
+        considerTAC,
+        TACValue,
+        monthlyCreditInsurance,
+        monthlyCreditInsuranceExpenses,
+        monthlyCreditInsurancePrize,
+        walletBalance,
+        considerWallet
+      };
+      const params: DebtParams = {
+        annualRate,
+        debtorLifeInsuranceRate,
+        propertyInsuranceRate,
+        lateChargesFineRate,
+        lateChargesInterestRate,
+        monthNominalLength,
+        inflationExchangeMethodMonthlyToDaily,
+        insurancesStrategy,
+        inflationExchangeMethodYearlyToMonthly
+      };
+
+      const expectedResult = {
+        inflationByDates: [
+          {}
+        ],
+        balanceValues: {
+          balances: [
+          ],
+          balanceMonetaryUpdateValues: [
+          ]
+        },
+        balanceInflationaryUpdated: null,
+        balanceAfter: null,
+        inflationaryUpdate: null,
+        interest: null, // interestIUB - interestDiff
+        interestDiff: null, // Inflación dentro del interés 🟢
+        interestIUB: null, // Interés corregido ✅
+        monthlyPayment: null,
+        monthlyPaymentWithInsurances: null,
+        monthlyPaymentWithTAC: null,
+        amortization: null,
+        amortizationDiff: null,
+        amortizationIUB: null,
+        upperBound: null,
+        postponedInflationaryUpdate: null,
+        amortizationInflation: null,
+        TACValue: null,
+        totalLifeInsuranceFee: null,
+        debtorLifeInsuranceFee: null,
+        codebtorLifeInsuranceFee: null,
+        propertyInsuranceFee: null,
+        monthlyCreditInsurance: null,
+        monthlyCreditInsuranceExpenses: null,
+        monthlyCreditInsurancePrize: null,
+        lateDays: null,
+        lateChargesFine: null, // Multa en Excel
+        lateChargesInterestRate: null, // Tasa de castigo diaria acumulada en Excel
+        lateChargesInterest: null, // Pendiente de contrastar con el Excel
+        lateInterestRate: null, // Tasa de interés diaria ac. por atraso en Excel
+        lateInterest: null, // Pendiente de contrastar con el Excel
+        lateInflation: null, // Tasa corrección principal en Excel
+        lateInflationaryCorrection: null, // Pendiente de contrastar con el Excel
+        lastMonthLateChargesInterestRate: null, // Pendiente de contrastar con el Excel
+        lastMonthLateInflation: null, // Tasa de inflación mensual en Excel
+        lastMonthLateInterestRate: null, // Tasa de interés mensual por atraso en Excel
+        lastMonthTotalLateRate: null, // Pendiente de contrastar con el Excel
+        totalLateRate: null, // Tasa de penalidad en Excel
+        totalLateInterest: null, // Interés penal en Excel
+        totalLate: null, // Atraso en Excel
+        monthlyPaymentWithLate: null,
+        totalMonthlyPayment: null,
+        walletBalance: null
+      };
+      const result = service.getTotalMonthlyPayment(inputs, params);
+      const resultForComparison = getResultForComparison(result);
+      // console.log(result);
+      // console.log(JSON.stringify(getResultForComparison(result), null, 2));
+      // console.log(Object.values(resultForComparison).join('\n'));
+      // expect(result).toEqual(expectedResult);
+    });
+  });
 });