public function disburseLoan(Loan $loan, \DateTime $disbursedDate, Money $nativeAmount)
{
$isDisbursed = TransactionQuery::create()->filterByLoan($loan)->filterDisbursement()->count();
if ($isDisbursed) {
// TODO
return;
}
PropelDB::transaction(function ($con) use($loan, $disbursedDate, $nativeAmount) {
$this->transactionService->addDisbursementTransaction($con, $nativeAmount, $loan);
$loans = LoanQuery::create()->filterByBorrower($loan->getBorrower())->count();
if ($loans == 1) {
$this->transactionService->addFeeTransaction($con, $nativeAmount, $loan);
}
//TODO service fee rate
$loan->setStatus(Loan::ACTIVE)->setNativeDisbursedAmount($nativeAmount)->setDisbursedDate($disbursedDate)->calculateExtraDays($disbursedDate)->setServiceFeeRate(2.5);
$loan->save($con);
$this->changeLoanStage($con, $loan, Loan::FUNDED, Loan::ACTIVE);
$installments = $this->generateLoanInstallments($loan);
foreach ($installments as $installment) {
$installment->save($con);
}
});
//TODO Add repayment schedule
//TODO Send email / sift sience event
}
public function uploadFunds(Payment $payment)
{
$con = Propel::getWriteConnection(TransactionTableMap::DATABASE_NAME);
$con->beginTransaction();
try {
if ($payment->getTotalAmount()->isPositive()) {
$this->transactionService->addUploadFundTransaction($con, $payment);
}
if ($payment->getDonationAmount()->isPositive()) {
$this->transactionService->addDonation($con, $payment);
}
} catch (\Exception $e) {
$con->rollback();
throw $e;
}
$con->commit();
}
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
}
