Update base_service.py

app/api/integrations/simbrella.py

@@ -49,6 +49,8 @@ class SimbrellaIntegration:
             logger.error(f"This is Response: {str(response)}", exc_info=True)
 
             return response
+           
         except Exception as e:
             logger.error(f"RACCheck API call failed: {str(e)}", exc_info=True)
             raise Exception(f"RACCheck API call failed: {str(e)}")
+  

app/api/services/base_service.py

@@ -60,3 +60,91 @@ class BaseService:
     def async_send_to_kafka(cls, loan_data, request_id, topic):
         KafkaIntegration.send_loan_request(loan_data = loan_data, request_id = request_id, topic = topic)
         KafkaIntegration.flush()
+
+
+    @classmethod
+    def calculate_charges(cls, offer, amount):
+        """
+        Calculates and returns the charges for the given offer and amount.
+        
+        Args:
+            offer (Offer): The offer object that contains the charges.
+            amount (float): The requested loan amount.
+        
+        Returns:
+            dict: A dictionary containing the calculated charges.
+        """
+        if not offer or not offer.charges:
+            logger.error(f"No charges found for offer ID {offer.id}")
+            return {"error": "No charges found for the offer"}
+
+        loan_charges = offer.charges
+        tenor = offer.tenor // 30 # Convert to months
+        interest = cls.get_charge_detail(charges = loan_charges, code = "INTEREST", amount = amount)
+        management = cls.get_charge_detail(charges = loan_charges, code = "MGTFEE", amount = amount)
+        insurance = cls.get_charge_detail(charges = loan_charges, code = "INSURANCE", amount = amount)
+        vat = cls.get_charge_detail(charges = loan_charges, code = "VAT", amount = amount, management_fee = management["fee"])
+
+        # Separate fees into upfront and postpaid
+        upfront_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] == 0
+        ]
+
+        postpaid_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] != 0
+        ]
+
+        # Up-front payment: (only those fees due immediately i.e due_days == 0)
+        upfront_payment = sum(upfront_fees)
+
+          # Repayment amount: (principal + only those fees not due immediately i.e due_days != 0)
+        repayment_amount = amount + (sum(postpaid_fees) * tenor)
+
+        # Total amount: (upfront_payment + repayment_amount)
+        total_amount = upfront_payment + repayment_amount
+
+        # Calculate the installment amount
+        installment_amount = repayment_amount / tenor
+
+        return {
+            "interest": interest,
+            "management": management,
+            "insurance": insurance,
+            "vat": vat,
+            "upfront_payment": round(upfront_payment, 2),
+            "repayment_amount": round(repayment_amount, 2),
+            "installment_amount": round(installment_amount, 2),
+            "total_amount": round(total_amount, 2)
+        }
+
+    
+    @classmethod
+    def get_charge_detail(cls, charges, code, amount, management_fee=None):
+        """
+        Get details for a specific charge code from a list of loan charges.
+
+        Returns default values if not found.
+        """
+
+        
+        for charge in charges:
+            if charge.code == code:
+                fee = (
+                    management_fee * charge.percent / 100
+                    if code == "VAT" and management_fee is not None
+                    else amount * charge.percent / 100
+                )
+            
+                return {
+                    "rate": charge.percent,
+                    "fee": round(fee, 2),
+                    "due_days": charge.due
+                }
+            
+        return {"rate": 0, "fee": 0, "due_days": 0}
+
+

app/api/services/provide_loan.py

@@ -36,6 +36,8 @@ class ProvideLoanService(BaseService):
                 collection_type =  validated_data.get('collectionType')
                 transaction_id = validated_data.get('transactionId')
                 offer_id = validated_data.get('offerId')
+                amount = validated_data.get("requestedAmount")
+                product_id = validated_data.get("productId")
 
                 customer = Customer.is_valid_customer(customer_id)
 
@@ -48,8 +50,7 @@ class ProvideLoanService(BaseService):
                         return jsonify({
                             "message": "Invalid Offer."
                         }), 400
-
-
+                    
                     # Log Transaction
                     transaction = ProvideLoanService.log_transaction(validated_data=validated_data)
 
@@ -58,6 +59,15 @@ class ProvideLoanService(BaseService):
                         return jsonify({
                             "message": "Failed to log transaction."
                         }), 400
+                    
+
+                    db.session.flush()
+
+                    charges = ProvideLoanService.calculate_charges(offer, amount)
+                    upfront_fee = charges["upfront_payment"]
+                    repayment_amount = charges["repayment_amount"]
+                    installment_amount = charges["installment_amount"]
+                    
 
 
                     # Save the loan details
@@ -69,6 +79,9 @@ class ProvideLoanService(BaseService):
                         collection_type = collection_type,
                         transaction_id = validated_data.get('transactionId'),
                         initial_loan_amount = validated_data.get('requestedAmount'),
+                        upfront_fee = upfront_fee,
+                        repayment_amount = repayment_amount,
+                        installment_amount = installment_amount,
                         status= LoanStatus.ACTIVE
                     )
 

app/api/services/select_offer.py

@@ -5,7 +5,9 @@ from app.api.enums import TransactionType
 from app.utils.logger import logger
 from app.api.schemas.select_offer import SelectOfferSchema
 from app.extensions import db
-
+from app.models import Offer
+from datetime import date
+from dateutil.relativedelta import relativedelta
 
 class SelectOfferService(BaseService):
     TRANSACTION_TYPE = TransactionType.SELECT_OFFER
@@ -28,6 +30,10 @@ class SelectOfferService(BaseService):
                 )
                 account_id = validated_data.get("accountId")
                 customer_id = validated_data.get("customerId")
+                amount = validated_data.get("requestedAmount")
+                product_id = validated_data.get("productId")
+                transaction_id = validated_data.get("transactionId")
+                request_id = validated_data.get("requestId")
 
                 if SelectOfferService.validate_account_ownership(
                     account_id=account_id, customer_id=customer_id
@@ -42,30 +48,59 @@ class SelectOfferService(BaseService):
                 else:
                     return jsonify({"message": "Invalid Customer or Account"}), 400
 
+                # Get the offer by product ID
+                offer = Offer.get_offer_by_product_id(product_id)
+
+                db.session.flush()
+
+                charges = SelectOfferService.calculate_charges(offer, amount)
+                upfront_payment = charges["upfront_payment"]
+                total_amount = charges["total_amount"]
+                installment_amount = charges["installment_amount"]
+                interest = charges["interest"]
+                management = charges["management"]
+                insurance = charges["insurance"]
+                vat = charges["vat"]
+
+
+                # Calculate the repayment dates
+                tenor = offer.tenor
+                start_date = date.today()
+
+                # Convert tenor to months
+                months = tenor  // 30
+
+                recommended_repayment_dates = [
+                    (start_date + relativedelta(months=i + 1)).isoformat()
+                    for i in range(months)
+                ]
+
+            
+
                 offers = [
                     {
-                        "offerId": "SAL90",
-                        "productId": "2030",
-                        "amount": 10000.0,
-                        "upfrontPayment": 1000.0,
-                        "interestRate": 3.0,
-                        "managementRate": 1.0,
-                        "managementFee": 1.0,
-                        "insuranceRate": 1.0,
-                        "insuranceFee": 100.0,
-                        "VATRate": 7.5,
-                        "VATAmount": 100.0,
-                        "recommendedRepaymentDates": ["2022-11-30"],
-                        "installmentAmount": 11000.0,
-                        "totalRepaymentAmount": 11000.0,
+                        "offerId": offer.id,
+                        "productId": product_id,
+                        "amount": amount,
+                        "upfrontPayment": upfront_payment,
+                        "interestRate": interest["rate"],
+                        "managementRate": management["rate"],
+                        "managementFee": management["fee"],
+                        "insuranceRate": insurance["rate"],
+                        "insuranceFee": insurance["fee"],
+                        "VATRate": vat["rate"],
+                        "VATAmount": vat["fee"],
+                        "recommendedRepaymentDates": recommended_repayment_dates,
+                        "installmentAmount": installment_amount,
+                        "totalRepaymentAmount": total_amount,
                     }
                 ]
 
                 # Business logic - selecting an offer
                 response_data = {
                     "outstandingDebtAmount": 0,
-                    "requestId": "202111170001371256908",
-                    "transactionId": transaction.id,
+                    "requestId": request_id,
+                    "transactionId": transaction_id,
                     "customerId": customer_id,
                     "accountId": account_id,
                     "loan": offers,
@@ -91,3 +126,4 @@ class SelectOfferService(BaseService):
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback() 
             return jsonify({"message": "Internal Server Error"}), 500
+        

app/models/__init__.py

@@ -6,6 +6,7 @@ from .repayment import Repayment
 from .loan_charge import LoanCharge
 from .offer import Offer
 from .charge import Charge
+from .rac_checks import RACCheck
 
 
-__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge']
+__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck']

app/models/loan.py

@@ -25,6 +25,9 @@ class Loan(db.Model):
     initial_loan_amount = db.Column(db.Float, nullable=False) 
     default_penalty_fee = db.Column(db.Float, default=0)  
     continuous_fee = db.Column(db.Float, default=0)
+    upfront_fee = db.Column(db.Float, nullable=True, default=0.0)
+    repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    installment_amount = db.Column(db.Float, nullable=True, default=0.0)
     status = db.Column(db.String(20), default='pending')
     due_date = db.Column(db.DateTime, nullable=True) 
     created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
@@ -45,8 +48,20 @@ class Loan(db.Model):
     )
 
     @classmethod
-    def create_loan(cls, customer_id, account_id, offer_id, product_id, initial_loan_amount, collection_type, transaction_id, status='pending'):
-
+    def create_loan(
+        cls,
+        customer_id,
+        account_id,
+        offer_id,
+        product_id,
+        initial_loan_amount,
+        collection_type,
+        transaction_id,
+        upfront_fee,
+        repayment_amount,
+        installment_amount,
+        status="pending",
+    ):
         # Check if customer exists
         customer = Customer.is_valid_customer(customer_id)
         if not customer:
@@ -64,6 +79,9 @@ class Loan(db.Model):
             transaction_id = transaction_id,
             initial_loan_amount = initial_loan_amount,
             current_loan_amount = initial_loan_amount,
+            upfront_fee = upfront_fee,
+            repayment_amount = repayment_amount,
+            installment_amount = installment_amount,
             due_date=now, 
             status = status
         )

app/models/offer.py

@@ -11,6 +11,8 @@ class Offer(db.Model):
     min_amount = db.Column(db.Float, nullable=False)
     max_amount = db.Column(db.Float, nullable=False)
     tenor = db.Column(db.Integer, nullable=False)
+    schedule = db.Column(db.Integer, nullable=True)
+    list_order = db.Column(db.Integer, nullable=True)
     created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
     updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
@@ -40,6 +42,28 @@ class Offer(db.Model):
         if not offer:
             return False
         return offer
+
+    @classmethod
+    def get_offer_by_id(cls, offer_id):
+        """
+        Return an offer by its ID.
+        """
+        offer = cls.query.filter_by(id=str(offer_id)).first()
+
+        if not offer:
+            raise ValueError(f"Offer with ID {offer_id} not found")
+        return offer
+
+    @classmethod
+    def get_offer_by_product_id(cls, product_id):
+        """
+        Return an offer by its product ID.
+        """
+        offer = cls.query.filter_by(product_id=str(product_id)).first()
+
+        if not offer:
+            raise ValueError(f"Offer with Product ID {product_id} not found")
+        return offer
     
     def to_dict(self):
         return {
@@ -47,7 +71,9 @@ class Offer(db.Model):
             "productId": self.product_id,
             "minAmount": self.min_amount,
             "maxAmount": self.max_amount,
-            "tenor": self.tenor
+            "tenor": self.tenor,
+            "schedule": self.schedule,
+            "list_order": self.list_order
         }
     
     def __repr__(self):

app/models/rac_checks.py

@@ -0,0 +1,53 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from sqlalchemy.dialects.postgresql import UUID
+from uuid import uuid4
+from sqlalchemy.types import JSON
+
+class RACCheck(db.Model):
+    __tablename__ = 'rac_checks'
+
+    id = db.Column(db.String, primary_key=True)
+    transaction_id = db.Column(db.String(50), nullable=False)
+    customer_id = db.Column(db.String, nullable=False)
+    account_id = db.Column(db.String, nullable=False)
+    rac_response = db.Column(db.JSON, nullable=False)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    @classmethod
+    def get_all_rac_checks(cls):
+        """
+        Return all RAC checks in dictionary format.
+        """
+        rac_checks = cls.query.all()
+
+        if not rac_checks:
+            raise ValueError("No available RAC checks")
+        return rac_checks
+    
+    @classmethod
+    def get_rac_check_by_id(cls, check_id):
+        """
+        Return a RAC check by its ID.
+        """
+        rac_check = cls.query.filter_by(id=check_id).first()
+
+        if not rac_check:
+            raise ValueError(f"RAC Check with ID {check_id} not found")
+        return rac_check
+
+    def to_dict(self):
+        return {
+            "id": str(self.id),
+            "transactionId": str(self.transaction_id),
+            "customerId": self.customer_id,
+            "accountId": self.account_id,
+            "racResponse": self.rac_response,
+            "createdAt": self.created_at.isoformat(),
+            "updatedAt": self.updated_at.isoformat() if self.updated_at else None
+        }
+
+    def __repr__(self):
+        return f'<RACCheck {self.id}>'

migrations/versions/1b2339f43824_migration_on_thu_apr_24_17_42_25_utc_.py

@@ -0,0 +1,59 @@
+"""Migration on Thu Apr 24 17:42:25 UTC 2025
+
+Revision ID: 1b2339f43824
+Revises: de9ad96ba34e
+Create Date: 2025-04-24 17:43:09.589626
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '1b2339f43824'
+down_revision = 'de9ad96ba34e'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('rac_checks',
+    sa.Column('id', sa.String(), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=False),
+    sa.Column('customer_id', sa.String(), nullable=False),
+    sa.Column('account_id', sa.String(), nullable=False),
+    sa.Column('rac_response', sa.JSON(), nullable=False),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.alter_column('amount',
+               existing_type=sa.NUMERIC(precision=10, scale=2),
+               type_=sa.Float(),
+               existing_nullable=True)
+
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('upfront_fee', sa.Float(), nullable=True))
+        batch_op.add_column(sa.Column('repayment_amount', sa.Float(), nullable=True))
+        batch_op.add_column(sa.Column('installment_amount', sa.Float(), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.drop_column('installment_amount')
+        batch_op.drop_column('repayment_amount')
+        batch_op.drop_column('upfront_fee')
+
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.alter_column('amount',
+               existing_type=sa.Float(),
+               type_=sa.NUMERIC(precision=10, scale=2),
+               existing_nullable=True)
+
+    op.drop_table('rac_checks')
+    # ### end Alembic commands ###

requirements.txt

@@ -35,3 +35,7 @@ flask-jwt-extended
 # Kafka 
 confluent-kafka==1.9.2
 
+
+
+python-dateutil
+