creditu-common-library 2.3.12 → 2.3.14

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);
@@ -282,7 +279,9 @@ var OfferService = /** @class */ (function () {
     };
     OfferService.prototype.financingAmount = function (creditAmount, k1Fin, k2Fin) {
         var _a = this.math, subtract = _a.subtract, multiply = _a.multiply;
-        return subtract(multiply(creditAmount, k1Fin), k2Fin);
+        var calculatedAmount = subtract(multiply(creditAmount, k1Fin), k2Fin);
+        // Si el resultado es menor que creditAmount * 0.5, devolver al menos eso
+        return calculatedAmount < (creditAmount * 0.5) ? creditAmount * 0.5 : calculatedAmount;
     };
     /**
      * Función que calcula la Cuota Total (C_tot)
@@ -337,7 +336,15 @@ var OfferService = /** @class */ (function () {
      */
     // eslint-disable-next-line class-methods-use-this
     OfferService.prototype.getApprovedAmount = function (maximumLocalFinanceCharge, maximumLocalIncomeDividend, maximumLocalDebtGuarantee) {
-        return Math.min(maximumLocalFinanceCharge, maximumLocalIncomeDividend, maximumLocalDebtGuarantee);
+        // Asegurar que cada valor no sea negativo
+        var safeMaxFinanceCharge = Math.max(0, maximumLocalFinanceCharge);
+        var safeMaxIncomeDividend = Math.max(0, maximumLocalIncomeDividend);
+        var safeMaxDebtGuarantee = Math.max(0, maximumLocalDebtGuarantee);
+        // Si todos los valores son 0, devolver un valor mínimo positivo
+        if (safeMaxFinanceCharge === 0 && safeMaxIncomeDividend === 0 && safeMaxDebtGuarantee === 0) {
+            return 1; // Valor mínimo para evitar divisiones por cero
+        }
+        return Math.min(safeMaxFinanceCharge, safeMaxIncomeDividend, safeMaxDebtGuarantee);
     };
     /**
       * Función que calcula el Valor de la Propiedad es el mínimo entre la tasación y el valor comercial (Vp).
@@ -364,9 +371,34 @@ var OfferService = /** @class */ (function () {
         if (minApprovedAmount > creditMaxAmount.value())
             return creditMaxAmount.value();
         if (minApprovedAmount < creditMinAmount.value())
-            return 0;
+            return creditMinAmount.value();
         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": "2.3.14",
   "description": "Common library for Creditu applications",
   "main": "lib/index.js",
   "files": [
@@ -25,8 +25,9 @@
   },
   "homepage": "https://gitlab.com/creditu-team/creditu-common-library#readme",
   "devDependencies": {
-    "@babel/preset-typescript": "^7.26.0",
-    "@types/express": "^5.0.0",
+    "@babel/preset-typescript": "^7.27.0",
+    "@nestjs/testing": "^10.4.15",
+    "@types/express": "^5.0.1",
     "@types/jest": "^29.5.14",
     "@typescript-eslint/eslint-plugin": "^5.62.0",
     "@typescript-eslint/parser": "^5.62.0",
@@ -34,13 +35,12 @@
     "eslint-config-airbnb-base": "^15.0.0",
     "eslint-plugin-import": "^2.31.0",
     "jest": "^29.7.0",
-    "ts-jest": "^29.2.6",
+    "ts-jest": "^29.3.1",
     "ts-node": "^10.9.2",
     "typescript": "^4.9.5"
   },
   "dependencies": {
     "@nestjs/common": "^10.4.15",
-    "@nestjs/testing": "^10.4.15",
     "creditu-date-model": "^2.9.1",
     "dinero.js": "^1.9.1",
     "express": "^4.21.2",

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;
 }