creditu-common-library 2.3.12 → 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/services/maximum-local.service.js

@@ -40,28 +40,13 @@ var MaximumLocalService = /** @class */ (function () {
      * @param longTermMonthlyFee   Cuota largo plazo (Clp)
      */
     MaximumLocalService.prototype.incomeDividend = function (params, longTermMonthlyFee) {
-        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 numerator = this.calculateIncomeDividendNumerator(longTermMonthlyFee, params);
         var denominator = this.calculateIncomeDividendDenominator(params);
         return this.math.divide(numerator, denominator);
     };
-    MaximumLocalService.prototype.calculateIncomeDividendNumerator = function (longTermMonthlyFee, params, maximumFrontendRatio) {
+    MaximumLocalService.prototype.calculateIncomeDividendNumerator = function (longTermMonthlyFee, params) {
         var _a;
-        var frontendRatio = maximumFrontendRatio || params.maximumFrontendRatio.value();
-        var paymentCapacity = this.math.subtract(this.math.multiply(params.disposableIncome, frontendRatio), longTermMonthlyFee);
+        var paymentCapacity = this.math.subtract(this.math.multiply(params.disposableIncome, params.maximumFrontendRatio.value()), 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.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

@@ -128,6 +128,7 @@ var OfferService = /** @class */ (function () {
         // 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(),
@@ -147,13 +148,9 @@ var OfferService = /** @class */ (function () {
             purpose: purpose,
             investmentWeight: investmentWeight,
             maximumBackendRatio: maximumBackendRatio,
-            maximumFrontendRatio: maximumFrontendRatio,
+            maximumFrontendRatio: adjustedMaximumFrontendRatio,
             numberOfGraceMonths: numberOfGraceMonths,
-            creditInsuranceNumberOfMonths: creditInsuranceNumberOfMonths,
-            ltvThresholdForFrontendRatio: params.ltvThresholdForFrontendRatio,
-            maximumFrontendRatioHighLTV: params.maximumFrontendRatioHighLTV,
-            maximumFrontendRatioLowLTV: params.maximumFrontendRatioLowLTV,
-            loanToValueHome: estimatedLoanToValueHome
+            creditInsuranceNumberOfMonths: creditInsuranceNumberOfMonths
         };
         var approvedAmountFinanceCharge = this.maximumLocal.financeCharge(maximumLocalParams, shortTermMonthlyFee, longTermMonthlyFee);
         var maximumLocalIncomeDividend = this.maximumLocal.incomeDividend(maximumLocalParams, longTermMonthlyFee);
@@ -367,6 +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": "2.3.12",
+  "version": "2.3.13",
   "description": "Common library for Creditu applications",
   "main": "lib/index.js",
   "files": [

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

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