creditu-common-library 2.3.11 → 2.3.13

package/middlewares/app-logger-middleware.js

@@ -83,6 +83,7 @@ var AppLoggerMiddleware = /** @class */ (function () {
         var originalSend = response.send;
         var chunks = [];
         // Interceptar el método send que suele usarse para errores
+        // eslint-disable-next-line func-names
         response.send = function (body) {
             if (body && typeof body === 'object' && response.statusCode >= 400) {
                 var sanitizedBody = this.sanitizeObject(body);
@@ -137,7 +138,7 @@ var AppLoggerMiddleware = /** @class */ (function () {
             // Sanitizar la respuesta
             var sanitizedResponseBody = this.sanitizeObject(parsedBody);
             // Mensaje base con tiempo de respuesta
-            var baseMessage = "".concat(method, " ").concat(originalUrl, " ").concat(statusCode, " ").concat(statusMessage, " - ").concat(responseTime, "ms");
+            var baseMessage = "".concat(method, " ").concat(originalUrl, " ").concat(statusCode, " ").concat(statusMessage !== null && statusMessage !== void 0 ? statusMessage : '', " - ").concat(responseTime, "ms");
             // Mensaje detallado con cuerpos de solicitud y respuesta
             var detailedMessage = {
                 method: method,
@@ -156,7 +157,7 @@ var AppLoggerMiddleware = /** @class */ (function () {
                 this.logger.warn("".concat(baseMessage, "\n").concat(JSON.stringify(detailedMessage, null, 2)));
             }
             else {
-                this.logger.log("".concat(baseMessage));
+                this.logger.log("".concat(baseMessage, "\n").concat(JSON.stringify(detailedMessage, null, 2)));
             }
             return originalEnd.apply(response, __spreadArray([chunk], args, true));
         }.bind(this);

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

@@ -36,7 +36,7 @@ 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) {

package/offer/services/offer.service.d.ts

@@ -101,4 +101,12 @@ export declare class OfferService {
      * @param creditMaxAmount
      */
     getCreditAmountToOffer(approvedAmount: number, credituAmount: number, creditMinAmount: CreditAmount, creditMaxAmount: CreditAmount): number;
+    /**
+     * Ajusta el ratio máximo de frontend (dividendo/renta) en base al LTV
+     * @param maximumFrontendRatio - Ratio máximo de frontend original (por defecto)
+     * @param estimatedLoanToValueHome - LTV estimado para la operación
+     * @param params - Parámetros de la oferta
+     * @returns Ratio máximo de frontend ajustado
+     */
+    private adjustMaximumFrontendRatio;
 }

package/offer/services/offer.service.js

@@ -121,12 +121,14 @@ 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,
         // creditInsuranceNumberOfMonths
         var k1Gop = this.constantService.calculateK1Gop(creditTaxRate, creditTaxRatePercentage, operationalExpensesFinancing, operationalExpensesInterest, operationalExpensesNumberOfMonths);
         var k2Gop = this.constantService.calculateK2Gop(operationalExpensesWeightedSum, operationalExpensesFinancing, operationalExpensesInterest, operationalExpensesNumberOfMonths);
+        var adjustedMaximumFrontendRatio = this.adjustMaximumFrontendRatio(maximumFrontendRatio, estimatedLoanToValueHome, params);
         var maximumLocalParams = {
             creditInsuranceFactor: creditInsuranceFactor,
             creditInsurancePercentageFinanced: creditInsurancePercentageFinanced.value(),
@@ -146,7 +148,7 @@ var OfferService = /** @class */ (function () {
             purpose: purpose,
             investmentWeight: investmentWeight,
             maximumBackendRatio: maximumBackendRatio,
-            maximumFrontendRatio: maximumFrontendRatio,
+            maximumFrontendRatio: adjustedMaximumFrontendRatio,
             numberOfGraceMonths: numberOfGraceMonths,
             creditInsuranceNumberOfMonths: creditInsuranceNumberOfMonths
         };
@@ -166,6 +168,7 @@ 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 +235,7 @@ var OfferService = /** @class */ (function () {
             operationalExpensesFinanced: operationalExpensesFinanced,
             operationalExpenses: operationalExpenses,
             creditInsuranceFactor: creditInsuranceFactor,
-            financingRatio: this.math.divide(financingAmount, amountRequestedByClient)
+            financingRatio: financingRatio
         };
     };
     /**
@@ -361,6 +364,31 @@ var OfferService = /** @class */ (function () {
             return 0;
         return minApprovedAmount;
     };
+    /**
+     * Ajusta el ratio máximo de frontend (dividendo/renta) en base al LTV
+     * @param maximumFrontendRatio - Ratio máximo de frontend original (por defecto)
+     * @param estimatedLoanToValueHome - LTV estimado para la operación
+     * @param params - Parámetros de la oferta
+     * @returns Ratio máximo de frontend ajustado
+     */
+    OfferService.prototype.adjustMaximumFrontendRatio = function (maximumFrontendRatio, estimatedLoanToValueHome, params) {
+        // Valor original por defecto
+        var adjustedMaximumFrontendRatio = maximumFrontendRatio;
+        // Si existen los parámetros de umbral, ajustar el maximumFrontendRatio directamente
+        if (params.ltvThresholdForFrontendRatio !== undefined
+            && params.maximumFrontendRatioHighLTV !== undefined
+            && params.maximumFrontendRatioLowLTV !== undefined) {
+            if (estimatedLoanToValueHome <= params.ltvThresholdForFrontendRatio) {
+                // LTV por debajo o igual al umbral - aplicar ratio mayor
+                adjustedMaximumFrontendRatio = new models_1.MaximumFrontendRatio(params.maximumFrontendRatioLowLTV);
+            }
+            else {
+                // LTV por encima del umbral - aplicar ratio menor
+                adjustedMaximumFrontendRatio = new models_1.MaximumFrontendRatio(params.maximumFrontendRatioHighLTV);
+            }
+        }
+        return adjustedMaximumFrontendRatio;
+    };
     return OfferService;
 }());
 exports.OfferService = OfferService;

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "creditu-common-library",
-  "version": "2.3.11",
+  "version": "2.3.13",
   "description": "Common library for Creditu applications",
   "main": "lib/index.js",
   "files": [

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