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Bug/SU-499: Tasa Maxima - Maximum Legal Rate Validation #1350

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Dec 8, 2024
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Original file line number Diff line number Diff line change
Expand Up @@ -6,9 +6,9 @@
* to you under the Apache License, Version 2.0 (the
* "License"); you may not use this file except in compliance
* with the License. You may obtain a copy of the License at
*
* <p>
* http://www.apache.org/licenses/LICENSE-2.0
*
* <p>
* Unless required by applicable law or agreed to in writing,
* software distributed under the License is distributed on an
* "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
Expand Down Expand Up @@ -3796,17 +3796,18 @@ private void validateTransactionsForTransfer(final Loan loan, final LocalDate tr

@Override
public void recalculateInterestForMaximumLegalRate() throws JobExecutionException {
List<Throwable> exceptions = new ArrayList<>();
final List<Throwable> exceptions = new ArrayList<>();
final MaximumCreditRateConfigurationData maximumCreditRateConfigurationData = this.loanProductReadPlatformService
.retrieveMaximumCreditRateConfigurationData();
final LocalDate appliedOnDate = maximumCreditRateConfigurationData.getAppliedOnDate();
final BigDecimal maximumLegalAnnualNominalRateValue = maximumCreditRateConfigurationData.getAnnualNominalRate();
final LoanRescheduleMapper rm = new LoanRescheduleMapper();
final String sql = "SELECT " + rm.schema();
final Object[] params = new Object[] { appliedOnDate, appliedOnDate, appliedOnDate, maximumLegalAnnualNominalRateValue };
List<LoanRescheduleData> loanLoanRescheduleDataList = this.jdbcTemplate.query(sql, rm, params);
final Object[] params = new Object[] { appliedOnDate, appliedOnDate, appliedOnDate, maximumLegalAnnualNominalRateValue,
maximumLegalAnnualNominalRateValue };
final List<LoanRescheduleData> loanLoanRescheduleDataList = this.jdbcTemplate.query(sql, rm, params);
if (CollectionUtils.isNotEmpty(loanLoanRescheduleDataList)) {
final String locale = "en";
final String locale = "es";
final String dateFormat = "dd MMMM yyyy";
final String submittedOnDate = DateUtils.format(DateUtils.getBusinessLocalDate(), dateFormat, Locale.forLanguageTag(locale));
LoanRescheduleRequestData loanRescheduleReasons = this.loanRescheduleRequestReadPlatformService
Expand All @@ -3823,7 +3824,6 @@ public void recalculateInterestForMaximumLegalRate() throws JobExecutionExceptio
rescheduleJsonObject.addProperty("locale", locale);
rescheduleJsonObject.addProperty("rescheduleReasonId", rescheduleReasonId);
rescheduleJsonObject.addProperty("submittedOnDate", submittedOnDate);
rescheduleJsonObject.addProperty("rescheduleReasonComment", "Recalcular la tasa de interés al máximo legal");
rescheduleJsonObject.addProperty("adjustedDueDate", "");
rescheduleJsonObject.addProperty("graceOnPrincipal", "");
rescheduleJsonObject.addProperty("extraTerms", "");
Expand Down Expand Up @@ -3853,6 +3853,10 @@ public void recalculateInterestForMaximumLegalRate() throws JobExecutionExceptio
final String rescheduleFromDateString = DateUtils.format(appliedOnDate, dateFormat, Locale.forLanguageTag(locale));
rescheduleJsonObject.addProperty("rescheduleFromDate", rescheduleFromDateString);
rescheduleJsonObject.addProperty("loanId", loanId);
final String rescheduleReasonComment = String.format(
"Recalcular la tasa de interés al máximo legal: [Nueva tasa de interés: %s, Tasa máxima legal: %s, Fecha de reprogramación: %s]",
newInterestRate, maximumLegalAnnualNominalRateValue, rescheduleFromDateString);
rescheduleJsonObject.addProperty("rescheduleReasonComment", rescheduleReasonComment);
final String rescheduleRequestBodyAsJson = rescheduleJsonObject.toString();
CommandWrapper commandWrapper = new CommandWrapperBuilder()
.createLoanRescheduleRequest(RescheduleLoansApiConstants.ENTITY_NAME).withJson(rescheduleRequestBodyAsJson).build();
Expand Down Expand Up @@ -3925,7 +3929,10 @@ SELECT DISTINCT ON (ltv.loan_id) ltv.loan_id, ltv.applicable_date, ltv.decimal_v
ORDER BY ltv.loan_id, ltv.id DESC
) term_variation ON term_variation.loan_id = ml.id
WHERE ml.loan_status_id = 300 AND mlrs.duedate >= ? AND ml.is_charged_off = FALSE
AND (CASE WHEN term_variation.decimal_value IS NOT NULL THEN term_variation.decimal_value ELSE ml.annual_nominal_interest_rate END) != ?
AND (CASE
WHEN term_variation.decimal_value IS NOT NULL THEN term_variation.decimal_value != ?
WHEN term_variation.decimal_value IS NULL THEN ml.annual_nominal_interest_rate > ?
END)
GROUP BY term_variation.loan_id, ml.annual_nominal_interest_rate, term_variation.decimal_value, ml.id
ORDER BY ml.id
""";
Expand Down
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