creditu-common-library 2.3.11 → 2.3.12

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

@@ -211,4 +211,19 @@ export declare class OfferParams {
      * Nombre del producto / servicio financiero
      */
     product?: string;
+    /**
+     * Umbral de LTV para cambiar el DR
+     * Threshold value for determining which frontend ratio to apply
+     */
+    ltvThresholdForFrontendRatio?: number;
+    /**
+     * DR 40% para LTV > 75%
+     * Maximum frontend ratio to apply when LTV is above the threshold
+     */
+    maximumFrontendRatioHighLTV?: number;
+    /**
+     * DR 50% para LTV ≤ 75%
+     * Maximum frontend ratio to apply when LTV is below or equal to the threshold
+     */
+    maximumFrontendRatioLowLTV?: number;
 }

package/offer/services/maximum-local.service.d.ts

@@ -16,7 +16,7 @@ export declare class MaximumLocalService {
     /**
      * Función que calcula el Máximo Local Dividendo Renta (M_a^DR)
      * Más info en {@link https://creditu-team.gitlab.io/wiki/content/journeys/acquisition/Offer.html#maximo-local-dividendo-renta}
-     * @param params               Parámetros definidos por el negocio para el calculo máximo local
+     * @param params               Parámetros definidos por el negocio para el cálculo máximo local
      * @param longTermMonthlyFee   Cuota largo plazo (Clp)
      */
     incomeDividend(params: MaximumLocalParams, longTermMonthlyFee: number): number;

package/offer/services/maximum-local.service.js

@@ -36,17 +36,32 @@ var MaximumLocalService = /** @class */ (function () {
     /**
      * Función que calcula el Máximo Local Dividendo Renta (M_a^DR)
      * Más info en {@link https://creditu-team.gitlab.io/wiki/content/journeys/acquisition/Offer.html#maximo-local-dividendo-renta}
-     * @param params               Parámetros definidos por el negocio para el calculo máximo local
+     * @param params               Parámetros definidos por el negocio para el cálculo máximo local
      * @param longTermMonthlyFee   Cuota largo plazo (Clp)
      */
     MaximumLocalService.prototype.incomeDividend = function (params, longTermMonthlyFee) {
-        var numerator = this.calculateIncomeDividendNumerator(longTermMonthlyFee, params);
+        var maximumFrontendRatio = params.maximumFrontendRatio.value();
+        // Apply LTV-dependent frontend ratio if the parameters exist
+        if (params.ltvThresholdForFrontendRatio !== undefined
+            && params.maximumFrontendRatioHighLTV !== undefined
+            && params.maximumFrontendRatioLowLTV !== undefined
+            && params.loanToValueHome !== undefined) {
+            // If LTV > threshold, use the high LTV ratio, otherwise use the low LTV ratio
+            if (params.loanToValueHome > params.ltvThresholdForFrontendRatio) {
+                maximumFrontendRatio = params.maximumFrontendRatioHighLTV;
+            }
+            else {
+                maximumFrontendRatio = params.maximumFrontendRatioLowLTV;
+            }
+        }
+        var numerator = this.calculateIncomeDividendNumerator(longTermMonthlyFee, params, maximumFrontendRatio);
         var denominator = this.calculateIncomeDividendDenominator(params);
         return this.math.divide(numerator, denominator);
     };
-    MaximumLocalService.prototype.calculateIncomeDividendNumerator = function (longTermMonthlyFee, params) {
+    MaximumLocalService.prototype.calculateIncomeDividendNumerator = function (longTermMonthlyFee, params, maximumFrontendRatio) {
         var _a;
-        var paymentCapacity = this.math.subtract(this.math.multiply(params.disposableIncome, params.maximumFrontendRatio.value()), longTermMonthlyFee);
+        var frontendRatio = maximumFrontendRatio || params.maximumFrontendRatio.value();
+        var paymentCapacity = this.math.subtract(this.math.multiply(params.disposableIncome, frontendRatio), longTermMonthlyFee);
         var creditInsuranceResidual = params.creditInsuranceFeeTermDefinition === credit_insurance_fee_term_definition_enum_1.CreditInsuranceFeeTermDefinition.LONG
             ? this.math.multiply(params.k2Fin, params.kScr)
             : 0;

package/offer/services/offer.service.js

@@ -121,6 +121,7 @@ var OfferService = /** @class */ (function () {
         // creditInsuranceFactor,
         creditInsurancePercentageFinanced);
         var amountRequestedByClient = this.amountRequestedByClient(downPayment, subsidy, propertyValue);
+        var estimatedLoanToValueHome = this.math.divide(amountRequestedByClient, propertyValue);
         var kScr = this.constantService.calculateKScr();
         // creditInsuranceFactor,
         // creditInsurancePercentageFinanced,
@@ -148,7 +149,11 @@ var OfferService = /** @class */ (function () {
             maximumBackendRatio: maximumBackendRatio,
             maximumFrontendRatio: maximumFrontendRatio,
             numberOfGraceMonths: numberOfGraceMonths,
-            creditInsuranceNumberOfMonths: creditInsuranceNumberOfMonths
+            creditInsuranceNumberOfMonths: creditInsuranceNumberOfMonths,
+            ltvThresholdForFrontendRatio: params.ltvThresholdForFrontendRatio,
+            maximumFrontendRatioHighLTV: params.maximumFrontendRatioHighLTV,
+            maximumFrontendRatioLowLTV: params.maximumFrontendRatioLowLTV,
+            loanToValueHome: estimatedLoanToValueHome
         };
         var approvedAmountFinanceCharge = this.maximumLocal.financeCharge(maximumLocalParams, shortTermMonthlyFee, longTermMonthlyFee);
         var maximumLocalIncomeDividend = this.maximumLocal.incomeDividend(maximumLocalParams, longTermMonthlyFee);
@@ -166,6 +171,7 @@ var OfferService = /** @class */ (function () {
             ? 0
             : operationalExpensesFinanceable;
         var loanToValueCredit = this.ltv.credit(financingAmount, creditInsurancePremium, propertyValue, creditInsurancePercentageFinanced, operationalExpensesFinanced, operationalExpensesFinancing);
+        var financingRatio = this.math.divide(financingAmount, amountRequestedByClient);
         var loanToValueHome = this.ltv.home(financingAmount, propertyValue);
         var creditInsuranceInstallment = this.insurance.creditInsurance(financingAmount, creditInsuranceFactor, creditInsurancePercentageFinanced.value(), creditInsuranceNumberOfMonths, isCreditInsuranceAccelerated, creditInsurancePremium, numberOfGraceMonths, installment);
         var lifeInsuranceFee = this.insurance.lifeInsurance(creditAmount, totalLifeInsuranceMonthlyRate);
@@ -232,7 +238,7 @@ var OfferService = /** @class */ (function () {
             operationalExpensesFinanced: operationalExpensesFinanced,
             operationalExpenses: operationalExpenses,
             creditInsuranceFactor: creditInsuranceFactor,
-            financingRatio: this.math.divide(financingAmount, amountRequestedByClient)
+            financingRatio: financingRatio
         };
     };
     /**

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "2.3.11",
+  "version": "2.3.12",
   "description": "Common library for Creditu applications",
   "main": "lib/index.js",
   "files": [

package/shared/models/maximum-local-params.interface.d.ts

@@ -25,4 +25,8 @@ export interface MaximumLocalParams {
     isCreditInsuranceAccelerated: boolean;
     numberOfGraceMonths: number;
     creditInsuranceNumberOfMonths: number;
+    ltvThresholdForFrontendRatio?: number;
+    maximumFrontendRatioHighLTV?: number;
+    maximumFrontendRatioLowLTV?: number;
+    loanToValueHome?: number;
 }

package/test/common/offer-service.spec.ts

@@ -49,26 +49,6 @@ describe('offer service functional tests common', () => {
       expect(result).toBe(70);
     });
   });
-  describe('getPropertyValue', () => {
-    it('getPropertyValue should return commercialValue when appraisal is 0', () => {
-      // ACT
-      const result = offerService.getPropertyValue(0, 70);
-      // ASSERT
-      expect(result).toBe(70);
-    });
-    it('getPropertyValue should return appraisal when appraisal is less than commercialValue', () => {
-      // ACT
-      const result = offerService.getPropertyValue(10, 70);
-      // ASSERT
-      expect(result).toBe(10);
-    });
-    it('getPropertyValue should return appraicommercialValuesal when commercialValue is less than appraisalValue', () => {
-      // ACT
-      const result = offerService.getPropertyValue(60, 30);
-      // ASSERT
-      expect(result).toBe(30);
-    });
-  });
   describe('getApprovedAmount', () => {
     it('getApprovedAmount should return maximumLocalFinanceCharge when is the minimum value', () => {
       // ACT