Chinenye Nmoh
137 lines
6.5 KiB
Python
137 lines
6.5 KiB
Python
from app.models.loan_repayment_schedule import LoanRepaymentSchedule
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from app.utils.logger import logger
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from app.enums.loan_status import LoanStatus
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from decimal import Decimal, ROUND_HALF_UP
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class LoanRepaymentScheduleService:
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@classmethod
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def get_repayment_schedule_by_loan_id(cls, loan_id, include_paid=True):
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return LoanRepaymentSchedule.get_repayment_schedule_by_loan_id(loan_id, include_paid=include_paid)
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@classmethod
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def get_overdue_repayment_schedule(cls):
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return LoanRepaymentSchedule.get_overdue_repayment_schedule()
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@classmethod
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def get_active_overdue_repayment_schedule(cls):
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return LoanRepaymentSchedule.get_active_overdue_repayment_schedule()
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@classmethod
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def get_partially_paid_overdue_repayment_schedule(cls):
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return LoanRepaymentSchedule.get_partially_paid_overdue_repayment_schedule()
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@classmethod
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def get_repayment_schedule_by_id_and_transaction_id(cls, id, transaction_id):
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return LoanRepaymentSchedule.get_repayment_schedule_by_id_and_transaction_id(id, transaction_id)
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@classmethod
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def get_repayment_schedule_by_transaction_id(cls, transaction_id):
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return LoanRepaymentSchedule.get_repayment_schedule_by_transaction_id(transaction_id)
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@classmethod
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def update_repayment_schedule_status(cls, schedule_id):
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"""
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Update repayment schedule status.
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"""
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return LoanRepaymentSchedule.update_repayment_schedule_status(schedule_id)
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@classmethod
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def update_repayment_schedule_status_to_active(cls, schedule_id):
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"""
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Update repayment schedule status.
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"""
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return LoanRepaymentSchedule.update_repayment_schedule_status_to_active(schedule_id)
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@classmethod
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def update_repayment_schedule_balance(cls, schedule_id, amount_collected):
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"""
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Update repayment schedule balance.
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"""
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return LoanRepaymentSchedule.update_repayment_schedule_balance(schedule_id, amount_collected)
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@classmethod
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def calculate_penal_charge(cls, schedule):
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"""
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Calculate penal charge for a repayment schedule.
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"""
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return LoanRepaymentSchedule.calculate_penal_charge(schedule)
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@classmethod
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def update_repayment_schedule_description(cls, schedule_id, description):
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"""
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Update repayment schedule description.
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"""
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return LoanRepaymentSchedule.update_repayment_schedule_description(schedule_id, description)
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@classmethod
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def get_overdue_repayment_schedule_with_grace_period(cls, grace_period_days, limit=None):
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return LoanRepaymentSchedule.get_overdue_repayment_schedule_with_grace_period(grace_period_days, limit=limit)
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@classmethod
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def apply_penal_to_schedule(cls, schedule_id, penal_amount):
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"""
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Apply penal charge to a repayment schedule.
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"""
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return LoanRepaymentSchedule.apply_penal_to_schedule(schedule_id, penal_amount)
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@staticmethod
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def handle_schedule_updates(updated_loan, data, amount_collected, message, loan_data):
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"""
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Handles updating loan repayment schedules depending on loan status
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and overdue schedule data.
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"""
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try:
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# Case 1: Loan fully repaid → mark all schedules paid
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if updated_loan and updated_loan.get('status') == LoanStatus.REPAID:
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repayment_schedule = LoanRepaymentScheduleService.get_repayment_schedule_by_loan_id(
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updated_loan['debtId'], include_paid=False
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)
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logger.info(f'Loan repayment schedule: {repayment_schedule}')
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if repayment_schedule:
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for installment in repayment_schedule:
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try:
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logger.info(f'Processing installment: {installment}')
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LoanRepaymentScheduleService.update_repayment_schedule_status(installment.id)
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LoanRepaymentScheduleService.update_repayment_schedule_description(
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installment.id,
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message
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)
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logger.info(f'Updated installment {installment.id} as paid')
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except Exception as e:
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logger.error(f"Failed to update installment {installment.id}: {e}")
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logger.info('All installments processed')
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# Case 2: Partial repayment made on a full loan without overdueLoanScheduleId
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elif updated_loan and updated_loan.get('status') == LoanStatus.ACTIVE_PARTIAL and not data.get('overdueLoanScheduleId'):
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logger.info("Partial repayment detected, but no overdue schedule ID provided.")
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# TODO: implement proportional installment updates
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# Case 3: when we are processing Overdue schedule repayment → update balance & description
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elif data.get('overdueLoanScheduleId') is not None:
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logger.info(f"Overdue loan schedule ID: {data['overdueLoanScheduleId']}")
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try:
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schedule_to_update = LoanRepaymentScheduleService.get_repayment_schedule_by_id_and_transaction_id(
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data["overdueLoanScheduleId"], data["transactionId"]
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)
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logger.info(f"Schedule to update: {schedule_to_update}")
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if schedule_to_update is None:
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logger.warning(
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f"Repayment schedule not found for ID {data['overdueLoanScheduleId']} "
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f"and transaction ID {loan_data['transactionId']}"
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)
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else:
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if not schedule_to_update.paid:
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update_schedule_balance = LoanRepaymentScheduleService.update_repayment_schedule_balance(
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schedule_to_update.id, amount_collected
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)
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logger.info(f"Updated loan schedule balance: {update_schedule_balance}")
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LoanRepaymentScheduleService.update_repayment_schedule_description(
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schedule_to_update.id,
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message
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)
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except Exception as e:
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logger.error(f"Failed to update repayment schedule installment: {e}")
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except Exception as e:
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logger.error(f"Unexpected error while handling schedule updates: {e}")
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