/**
* @test
*/
public function testCalculateDerivesLoanLimitCheck()
{
$inputArray = $this->testInputForm->getSampleForm();
$testLoanProperty = new LoanProperty($inputArray);
$testLoanProperty->loanAmount = 2000001;
//loanAmount more than 2million
$this->assertFalse($testLoanProperty->loanLimitCheck());
$testLoanProperty->loanAmount = 49999;
//loanAmount < 50000
$this->assertFalse($testLoanProperty->loanLimitCheck());
//reset loanAmount
$testLoanProperty->loanAmount = $inputArray['loanAmount'];
// creditScore for Purchasing
$testLoanProperty->creditScore = 670;
// credit score < 680
$this->assertFalse($testLoanProperty->loanLimitCheck());
$testLoanProperty->creditScore = 680;
// credit score < 680
$this->assertTrue($testLoanProperty->loanLimitCheck());
$testLoanProperty->creditScore = $inputArray['creditScore'];
//LTV for purchasing
$LV_save = $testLoanProperty->LTV;
$testLoanProperty->LTV = 0.97;
// max LTV for purchase
$this->assertFalse($testLoanProperty->loanLimitCheck());
$testLoanProperty->LTV = 0.96;
$this->assertTrue($testLoanProperty->loanLimitCheck());
$testLoanProperty->LTV = $LV_save;
}
/**
* @test
*/
public function testGetSRP()
{
$testInputForm = new InputForm();
$testInputs = $testInputForm->getSampleForm();
$testLoanProperty = new LoanProperty($testInputs);
$testLoanProperty->loanName = "fixed30";
$testLoanProperty->setLoanTypeId();
$testCalculator = new BBTRateCalculator();
$testCalculator->setProperty($testLoanProperty);
$testCalculator->setTotalFee(2500);
$testSPRLoanTypeId = $testCalculator->getSRPLoanTypeId();
$this->assertEquals(1, $testSPRLoanTypeId);
$testSPR = $testCalculator->getSRP();
$this->assertEquals(1.6, $testSPR);
//BBT give 1.6 SPR for sample property
}
function searchRate()
{
//create LoanProperty base on inputs
$property = new LoanProperty($this->inputs);
$this->f3->set('loanProperty', $property->getShowArray());
$this->f3->set('propertyLabel', $property->getPropertLabel());
//set Closing options and time stamp
$this->closingOption = $property->getClosingOption();
$this->f3->set('ClosingOption', $this->closingOption);
date_default_timezone_set('EST');
$this->f3->set('searchStamp', date("m-d-Y g:i a"));
//determine purchaser list
if (in_array("ALL", $property->purchaserSelection)) {
//do ntohing take default all;
} else {
$this->setPurchasers($property->purchaserSelection);
}
//determine loanName - what kind of loan selected.
if (in_array("all", $property->loanNameSelection)) {
//do ntohing take default all;
} else {
$this->setLoanNames($property->loanNameSelection);
}
//find loan amount options
$myoptions = $property->loanAmountOptions;
//build calculation target list use loanAmount, loanName, purchaser
$calTargetArray = Util::arrayComb(array($this->loanNames, $property->loanAmountOptions, $this->purchasers));
//var_dump($calTargetArray);
//calculate fees for each option in an array
$myFeeCalculator = new FeeCalculator($property);
$totalFeeByOptions = $myFeeCalculator->getOptionsFee();
$this->f3->set('feeOptions', $totalFeeByOptions);
//get all purchaser and loan names
$purchasers = $this->purchasers;
$loanNames = $this->loanNames;
foreach ($loanNames as $loanName) {
$property->loanName = $loanName;
$property->setLoanTypeId();
Util::dump("--------" . $loanName);
$this->viewRecords[$loanName] = array();
//$purchasers=["BOKF"];
foreach ($purchasers as $purchaser) {
$myRecord = new ViewRecord();
$myRecord->product = $loanName;
$myRecord->purchaser = $purchaser;
foreach ($myoptions as $opt) {
$property_clone = clone $property;
Util::dump("=== purchaser {$purchaser}, loan option = {$opt['1']} + {$opt['2']}");
if ($opt[2] > 0) {
Util::dump("=== Primary loan", "");
}
$myRecord1 = clone $myRecord;
$myRecord1->loanAmount = $opt[1];
$property_clone->loanAmount = $opt[1];
$property_clone->calculateDerives();
$property_clone->setLoanTypeId();
//Util::dump ( "Loan Property : ", $property_clone);
$purchaserCalculatorName = $purchaser . "RateCalculator";
$myRateCalculator = new $purchaserCalculatorName();
$myRateCalculator->setProperty($property_clone);
//set total fee for this option
$myRateCalculator->setTotalFee($totalFeeByOptions[$opt[0]][2]);
$myresult = $myRateCalculator->calculteRate();
if ($myresult == null) {
//incase no valid result found, skip to next
continue;
}
$this->setResultRecord($myRecord1, $myresult);
$myRecord2 = null;
if ($opt[2] > 0) {
Util::dump("=== Secondary loan");
$myRecord2 = clone $myRecord;
$mySecondaryRateCalculator = new SecondaryRateCalculator($opt[2], $property_clone->loanTerm);
$myresult2 = $mySecondaryRateCalculator->getSecondaryRate();
$myRecord2->loanAmount = $opt[2];
$this->setResultRecord($myRecord2, $myresult2);
}
$resultRecord = array("part1" => $myRecord1, "part2" => $myRecord2, "option" => $opt[0], "fees" => $totalFeeByOptions[$opt[0]]);
// var_dump ($resultRecord );
array_push($this->viewRecords[$loanName], $resultRecord);
}
//option
}
//purchaser
$r = usort($this->viewRecords[$loanName], 'Util::cmp');
$bestResult = Util::bestResult($this->viewRecords[$loanName]);
$this->viewRecords[$loanName] = $bestResult;
Util::dump("Calculate result for {$loanName}", $this->viewRecords[$loanName]);
}
//loanName
//echo json_encode($this->viewRecords)."<br>";
$this->f3->set('SearchResults', $this->viewRecords);
//$this->f3->set('SearchResults', $bestResult);
}
