public function isFirstBid()
{
$lender = $this->getLender();
if (BidQuery::create()->filterByLender($lender)->findOne()) {
return false;
}
return true;
}
protected function verifyBid($con, Loan $loan, Lender $lender, $data)
{
$method = new ReflectionMethod($this->loanService, 'createBid');
$method->setAccessible(true);
$method->invoke($this->loanService, $con, $loan, $lender, $data);
$bid = \Zidisha\Loan\BidQuery::create()->filterByLoan($loan)->filterByLender($lender)->orderById('desc')->findOne();
$newBidTransaction = \Zidisha\Balance\TransactionQuery::create()->filterByLoan($loan)->filterByUserId($lender->getId())->orderById('desc')->findOne();
verify($bid)->notEmpty();
verify($bid->getInterestRate())->equals($data['interestRate']);
verify($bid->getBidAmount())->equals(Money::create($data['amount']));
verify($newBidTransaction)->notEmpty();
verify($newBidTransaction->getAmount())->equals(Money::create($data['acceptedAmount'])->multiply(-1));
}
public function postEditBid()
{
$data = \Input::all();
$lender = \Auth::user()->getLender();
$loan = LoanQuery::create()->filterById($data['loanId'])->findOne();
$totalLoanAmount = $loan->getAmount();
$amount = Money::valueOf($data['amount'], Currency::valueOf('USD'));
$oldBid = BidQuery::create()->filterByLender($lender)->filterByLoan($loan)->findOne();
if ($oldBid->getBidAmount()->compare($amount) != -1) {
\Flash::error(\Lang::get('Loan.edit-bid.amount'));
return Redirect::back()->withInput();
}
if ($totalLoanAmount->getAmount() <= $data['amount']) {
\Flash::error(\Lang::get('Loan.edit-bid.interest-rate'));
return Redirect::back()->withInput();
}
if ($data['interestRate'] <= $oldBid->getInterestRate()) {
\Flash::error(\Lang::get('Loan.edit-bid.bid-amount-exceded'));
return Redirect::back()->withInput();
}
$bid = BidQuery::create()->filterByLoan($loan)->filterByLender($lender)->findOne();
$this->loanService->editBid($bid, $data);
Flash::success(\Lang::get('Loan.edit-bid.success') . $data['amount']);
return Redirect::route('loan:index', $data['loanId']);
}
public function expireLoan(Loan $loan)
{
PropelDB::transaction(function ($con) use($loan) {
$loan->setStatus(Loan::EXPIRED)->setExpiredDate(new \DateTime());
$loan->save($con);
$loan->getBorrower()->setActiveLoan(null)->setLoanStatus(Loan::NO_LOAN);
$loan->save($con);
$this->changeLoanStage($con, $loan, Loan::OPEN, Loan::EXPIRED);
$refunds = $this->refundLenders($con, $loan, Loan::EXPIRED);
if ($loan->getStatus() == Loan::FUNDED) {
BidQuery::create()->filterByLoan($loan)->update(['active' => 0, 'accepted_amount' => null], $con);
}
});
// Todo: send emails to notify lenders use $refunds
return true;
}
public function addRepayment(Loan $loan, \Datetime $date, Money $amount, BorrowerPayment $borrowerPayment = null)
{
// Divide the payment in the lenders and the web site fee
// 1. Get the web site fee %
// 2. Get who all lended and how much
// 3. substract he website fee out of this installment
// 4. remaining money should be divided in lenders according to their proportion and added
// 5. If the loan gets completed with this payment set the loan status to complete
$calculator = $this->getRepaymentCalculator($loan, $amount);
if ($calculator->unpaidAmount()->isNegative()) {
throw new \Exception('Unpaid amount is negative');
}
$con = Propel::getWriteConnection(TransactionTableMap::DATABASE_NAME);
$con->beginTransaction();
$refundThreshold = $this->currencyService->convertFromUSD(Money::create(1), $loan->getCurrency(), $date);
$refundAmount = $calculator->refundAmount($refundThreshold);
if ($refundAmount->isPositive()) {
$this->addBorrowerRefund($con, $loan, $refundAmount);
$amount = $amount->subtract($refundAmount);
$calculator->setRepaymentAmount($amount);
}
$this->transactionService->addInstallmentTransaction($con, $amount, $loan, $date);
$nativeFeeAmount = $calculator->installmentServiceFee();
$feeAmount = $this->currencyService->convertToUSD($nativeFeeAmount, $date);
$this->transactionService->addInstallmentFeeTransaction($con, $loan, $feeAmount, $date);
$bids = BidQuery::create()->filterByLoan($loan)->filterByActive(true)->find();
$loanRepayments = $calculator->loanRepayments($bids);
/** @var $loanRepayment LoanRepayment */
foreach ($loanRepayments as $loanRepayment) {
$lender = $loanRepayment->getLender();
$nativeLenderAmount = $loanRepayment->getAmount();
$nativeLenderInviteCredit = $loanRepayment->getLenderInviteCredit();
if ($nativeLenderAmount->isPositive()) {
$lenderAmount = $this->currencyService->convertToUSD($nativeLenderAmount, $date);
$this->transactionService->addRepaymentTransaction($con, $lenderAmount, $loan, $lender, $date);
}
if ($nativeLenderInviteCredit->isPositive()) {
$lenderInviteCredit = $this->currencyService->convertToUSD($nativeLenderInviteCredit, $date);
$this->transactionService->addLenderInviteCreditRepaymentTransaction($con, $lenderInviteCredit, $loan, $date);
}
}
$updatedInstallments = $this->updateInstallmentSchedule($con, $loan, $amount, $date);
// TODO
// $database->setOntimeRepayCredit($rest4, $borrowerid, $amount);
// TODO
// $database->loanpaidback($borrowerid,$loanid);
// TODO emails/sms
}
