var global_pricelist = (function () {
function toTimeString(date) {
if (date instanceof Date) {
return date.toISOString().replace('T', ' ').replace('Z', '');
}
throw new Error('Expected Date');
}
function toDate(str) {
if (str instanceof Date) {
return str;
} else if (typeof str == 'string') {
var mainparts = str.split(' ');
var dparts = mainparts[0].split('-');
var tparts = mainparts[1].split(':');
return new Date(dparts[0], parseInt(dparts[1]) - 1, dparts[2], tparts[0], tparts[1], tparts[2], 0);
}
return new Date(0);
}
return {
installment: {
pricelists: {
'77': {
type: 'loan-fee',
fee_type_id: '77',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
bag['setAmountRange'](100, 4000, 5);
if (control.canceled) return;
bag['setTermRange'](3, 60, 1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
bag['setPrice'](0.00);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
'78': {
type: 'principal',
fee_type_id: '78',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Installment LVEP principal 1
(function () {
// Group: Group
if (true) {
bag['setAmountRange'](100, 4000, 5);
if (control.canceled) return;
bag['setTermRange'](3, 60, 1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
vars['amount'] = bag['getAmount']();
bag['setPrice'](vars['amount']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
'79': {
type: 'extension-fee',
fee_type_id: '79',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Installment LVEP principal 1
(function () {
// Group: Group
if (true) {
bag['setAmountRange'](100, 4000, 5);
if (control.canceled) return;
bag['setTermRange'](3, 60, 1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: installment extension settings
(function () {
// Group: Group
if ([1,3].indexOf(parseInt(bag[460])) !== -1) {
vars['price'] = (bag[3256] * 0.3);
bag['setPrice'](vars['price']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ([4].indexOf(parseInt(bag[460])) !== -1) {
vars['price'] = (bag[4102] * 0.3);
bag['setPrice'](vars['price']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
'83': {
type: 'interest-fee',
fee_type_id: '83',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Installment LVEP principal 1
(function () {
// Group: Group
if (true) {
bag['setAmountRange'](100, 4000, 5);
if (control.canceled) return;
bag['setTermRange'](3, 60, 1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: installment lv interest staging
(function () {
// Group: Group
if (true) {
vars['varterm'] = bag['getTerm']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 3) {
bag['setPrice'](36.85);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 4) {
bag['setPrice'](39.17);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 5) {
bag['setPrice'](40.64);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 6) {
bag['setPrice'](41.5);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 7) {
bag['setPrice'](42.18);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 8) {
bag['setPrice'](42.59);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 9 && vars['varterm'] <= 10)) {
bag['setPrice'](43);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 11) {
bag['setPrice'](43.25);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 12 && vars['varterm'] <= 20)) {
bag['setPrice'](43);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 21) {
bag['setPrice'](42.87);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 22 && vars['varterm'] <= 24)) {
bag['setPrice'](42.5);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 25) {
bag['setPrice'](42.41);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 26 && vars['varterm'] <= 28)) {
bag['setPrice'](42);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 29) {
bag['setPrice'](41.9);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 30 && vars['varterm'] <= 32)) {
bag['setPrice'](41.5);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['varterm'] == 33) {
bag['setPrice'](41.38);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 34 && vars['varterm'] <= 44)) {
bag['setPrice'](40);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 45 && vars['varterm'] <= 49)) {
bag['setPrice'](39.5);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 50 && vars['varterm'] <= 53)) {
bag['setPrice'](39);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 54 && vars['varterm'] <= 58)) {
bag['setPrice'](38.5);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ((vars['varterm'] >= 59 && vars['varterm'] <= 60)) {
bag['setPrice'](38);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
},
fee_types: {
77: 'loan_fee',
78: 'principal',
79: 'extension_fee',
80: 'penalty',
81: 'late_fee',
82: 'payout_fee',
83: 'interest_fee',
87: 'cash_fee',
258: 'late_fee_delay',
260: 'late_fee_delay',
262: 'late_fee_delay',
333: 'court_fee',
359: 'sale_fee',
460: 'late_fee_delay',
465: 'court_fee',
},
promotions: {
},
loanlimit: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if ((bag[799] == 0 && (toDate(bag['6054']).getTime() < (1714205011090-7776000000) || [4].indexOf(parseInt(bag[2538])) === -1))) {
bag['setIncomeVerifyLimit'](1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] > 0) {
bag['setIncomeVerifyLimit'](1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
freshBagLimit: function (bag) {
var n = {
_available_limit: null,
_day_lower_bound: null,
_visible_limit: null,
_day_limit: null,
_available_day_limit: null,
_lowerbound: null,
_income_verify_limit: null,
_reject_message: null,
_slider_default: null,
setSliderDefault: function (amount, term, product) {
if (Number.isInteger(amount) && Number.isInteger(term) && Number.isInteger(product)) {
this._slider_default = {
"amount" : parseFloat(amount).toFixed(2),
"term" : parseFloat(term).toFixed(0),
"default_product" : product
};
}
},
setIncomeVerifyLimit: function (limit) {
this._income_verify_limit = limit;
},
setLimit: function (limit) {
this._visible_limit = limit;
},
setVisibleLimit: function (limit) {
this._visible_limit = limit;
},
setAvailableLimit: function (limit) {
this._available_limit = limit;
},
setHardLimit: function (limit) {
this._available_limit = limit;
},
getRegistrationField: function (field) {
return this[field] || 0;
},
getAmount: function () {
return bag[-3];
},
getMaximumRepayableAmount: function () {
return bag[-22];
},
setDayLowerBound: function (amount) {
this._day_lower_bound = amount;
},
setDayLimit: function (limit) {
this._day_limit = limit;
},
setAvailableDayLimit: function (limit) {
this._available_day_limit = limit;
},
setInstallmentsCount: function (limit) {
this._day_limit = limit;
},
getInstallmentsCount: function (limit) {
return this._day_limit;
},
setRejectLoan: function (message) {
this._reject_message = message;
},
setExtensionLimit: function (limit) {
this._extension_limit = limit;
},
setLowerBound: function (limit) {
this._lowerbound = limit;
},
getMonthlyPayment: function (initialPrincipal, annualInterestRate, term) {
var annualInterestRate = annualInterestRate / 100;
var monthlyInterestRate = annualInterestRate / 12;
var divident = initialPrincipal * monthlyInterestRate;
var divisor = 1 - (1 / Math.pow((1 + monthlyInterestRate), term));
return divident / divisor;
},
getOverpaymentCoefficient: function (annualInterestRate, term) {
var initialPrincipal = 1000;
var monthlyPayment = this.getMonthlyPayment(initialPrincipal, annualInterestRate, term);
var totalRepayableAmount = monthlyPayment * term;
return totalRepayableAmount / initialPrincipal;
},
getInterestRateApproximationFromAnnuity: function (termMonths) {
var termDays = termMonths * 30;
var constant = 1.000018;
var resultBase = constant + (termDays * 0.0007 + 1) / termMonths;
var resultLog = Math.log2(1 + 1 / termMonths);
resultBase = Math.pow(resultBase, (1 / resultLog)) - 1;
var interestRateApproximationFromAnnuity = ((Math.pow(resultBase, resultLog) - constant) * 12) * 100;
var flooredResult = Math.floor(interestRateApproximationFromAnnuity * 100) / 100;
return flooredResult;
},
calculateTermUpperLimit: function (amount, maxRepayable, interest) {
let monthlyInterest = (interest/100) / 12;
return (isNaN(Math.ceil(Math.log(1 / (1 - ((amount * monthlyInterest) / maxRepayable))) / Math.log1p(monthlyInterest))) ? 0 : Math.ceil(Math.log(1 / (1 - ((amount * monthlyInterest) / maxRepayable))) / Math.log1p(monthlyInterest)));
},
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
if ( ! (-8 in n)) {
n[-8] = 237;
}
n["round"] = this.round
return n;
},
filterAvailableTerms: function (bag, checkFunction) {
var limits = this.evaluateLimit(bag);
var lowestAvailableTerm = null;
for (var index = 0; index < limits.terms.length; index++) {
var t = limits.terms[index];
bag['-2'] = t;
var currentTermLimits = this.evaluateLimit(bag);
if (checkFunction) {
if (checkFunction(currentTermLimits)) {
lowestAvailableTerm = t;
break;
}
} else if (currentTermLimits.amounts_available.length > 0) {
lowestAvailableTerm = t;
break;
}
}
return limits.terms.slice(limits.terms.indexOf(lowestAvailableTerm));
},
evaluateLimit: function (bag) {
var finalAmounts_available = [];
var finalAmounts_visible = [];
var finalDays = [];
var finalDays_available = [];
var finalExtDays = [];
var ibag = this.freshBagLimit(bag);
var result = this.loanlimit.evaluate(ibag);
this.pricelists[77].buildDimension(bag);
this.pricelists[78].buildDimension(bag);
this.pricelists[79].buildDimension(bag);
this.pricelists[83].buildDimension(bag);
for (var i = 0; i < this.pricelists[78].amounts.length; i++) {
var amn = this.pricelists[78].amounts[i];
if ((ibag._available_limit == null || parseFloat(amn) <= ibag._available_limit) && 
(ibag._lowerbound == null || parseFloat(amn) >= ibag._lowerbound)) {
finalAmounts_available.push(parseFloat(amn).toFixed(2));
}
if ((ibag._visible_limit == null || parseFloat(amn) <= ibag._visible_limit) && 
(ibag._lowerbound == null || parseFloat(amn) >= ibag._lowerbound)) {
finalAmounts_visible.push(parseFloat(amn).toFixed(2));
}
}
for (var i = 0; i < this.pricelists[78].terms.length; i++) {
var day = this.pricelists[78].terms[i];
if ((ibag._day_limit == null || parseFloat(day) <= ibag._day_limit) && 
(ibag._day_lower_bound == null || parseFloat(day) >= ibag._day_lower_bound)) {
finalDays.push(parseFloat(day).toFixed(0));
}
if ((ibag._available_day_limit == null || parseFloat(day) <= ibag._available_day_limit) && 
(ibag._day_lower_bound == null || parseFloat(day) >= ibag._day_lower_bound)) {
finalDays_available.push(parseFloat(day).toFixed(0));
}
}
for (var i = 0; i < this.pricelists[79].terms.length; i++) {
var day = this.pricelists[79].terms[i];
if (ibag._extension_limit == null || parseFloat(day) <= ibag._extension_limit) {
finalExtDays.push(parseFloat(day).toFixed(0))
}
}
return {
'pricelist-amount-limit': ibag._visible_limit,
'pricelist-amount-hard-limit': ibag._available_limit,
'pricelist-amount-lower-bound': ibag._lowerbound,
'pricelist-day-limit': ibag._day_limit,
'pricelist-available-day-limit': ibag._available_day_limit,
'pricelist-income-verify-limit': ibag._income_verify_limit,
'pricelist-day-lower-bound': ibag._day_lower_bound,
'reject_message': ibag._reject_message,
amounts_available: finalAmounts_available,
amounts_visible: finalAmounts_visible,
terms: finalDays,
terms_available: finalDays_available,
extterms: finalExtDays,
slider_default: ibag._slider_default
}
},
prolongPermissionRules: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Prohibit prolonging If all products open
(function () {
// Group: Group
if ((bag[3251] == 1 && (bag[3252] == 1 && bag['3253'] == 1))) {
bag['prohibitProlong']('Has all products open');
bag['prohibitProlongToInstallment']('Has all products open');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: OLD VERSION OF PROLONGING=>HAS OPEN PD PROLONG TO CRL
(function () {
// Group: PD --> CRL FL BEFORE DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && ((((bag[802] < 31 && bag[2788] >= 50) && [1].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1) && bag[3252] == 0))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: PD --> CRL FL AFTER DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && (((((bag[802] > 0 && bag[802] < 31) && bag[2788] >= 50) && [1].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1) && bag[3252] == 0))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: PD --> CRL CL BEFORE DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && ((((bag[802] < 31 && bag[3252] == 0) && bag[2788] >= 50) && [0].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING to IL
(function () {
// Group: PDL
if ((bag['3141'] == 1 && ([1,3,4].indexOf(parseInt(bag['460'])) !== -1 && (bag['2788'] >= 50 && bag[802] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING IL -> IL
(function () {
// Group: IL
if ((bag['3141'] == 2 && ([1].indexOf(parseInt(bag[460])) !== -1 && (bag['2788'] >= 50 && bag[802] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING - TO CRL -> IL
(function () {
// Group: CRL
if ((bag['3141'] == 3 && ([17,1,4].indexOf(parseInt(bag[460])) !== -1 && (bag['2788'] >= 50 && bag['3353'] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
freshBagProlongPermissionRule: function (bag) {
var n = {
_loanProlongPermitted: false,
_loanProlongPermittedToPayday: false,
_loanProlongPermittedToInstallment: false,
_loanProlongPermittedToCreditline: false,
_errorMessage: null,
_errorMessageProlongToPayday: null,
_errorMessageProlongToInstallment: null,
_errorMessageProlongToCreditline: null,
_loanSettingId: null,
_feetypes: [],
allowProlong: function () {
this._loanProlongPermitted = true;
this._errorMessage = null;
},
allowProlongToPayday: function () {
this._loanProlongPermittedToPayday = true;
this._errorMessageProlongToPayday = null;
},
allowProlongToInstallment: function () {
this._loanProlongPermittedToInstallment = true;
this._errorMessageProlongToInstallment = null;
},
allowProlongToCreditline: function () {
this._loanProlongPermittedToCreditline = true;
this._errorMessageProlongToCreditline = null;
},
prohibitProlong: function (msg) {
this._loanProlongPermitted = false;
this._errorMessage = msg;
},
setLoanSettings: function (id) {
this._loanSettingId = id;
},
prohibitProlongToPayday: function (msg) {
this._loanProlongPermittedToPayday = false;
this._errorMessageProlongToPayday = msg;
},
prohibitProlongToInstallment: function (msg) {
this._loanProlongPermittedToInstallment = false;
this._errorMessageProlongToInstallment = msg;
},
prohibitProlongToCreditline: function (msg) {
this._loanProlongPermittedToCreditline = false;
this._errorMessageProlongToCreditline = msg;
},
feetypeToNewLoan: function (feetype, percentage, maxvalue) {
this._feetypes.push({ "feetype": feetype, "percentage": percentage, "maxvalue": maxvalue });
},
hasLoanOpenInAllLenders: function () {
return bag[-33];
},
isRequestForLoanFromPlaton: function () {
return bag["is-backend"] || false;
},
isRequestForLoanFromClientzone: function () {
return !bag["is-backend"];
},
};
for (var id in bag) {
if ((typeof bag[id] === 'string') && !isNaN(bag[id]) && isFinite(bag[id]) && typeof bag[id] !== "boolean") {
bag[id] = parseFloat(bag[id]);
}
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
evaluateProlongPermisson: function (bag) {
var ibag = this.freshBagProlongPermissionRule(bag);
var result = this.prolongPermissionRules.evaluate(ibag);
return {
'loan-prolong-permitted': ibag._loanProlongPermitted,
'loan-prolong-permitted-to-payday': ibag._loanProlongPermittedToPayday,
'loan-prolong-permitted-to-installment': ibag._loanProlongPermittedToInstallment,
'loan-prolong-permitted-to-creditline': ibag._loanProlongPermittedToCreditline,
'loan-prolong-error': ibag._errorMessage,
'loan-prolong-to-payday-error': ibag._errorMessageProlongToPayday,
'loan-prolong-to-installment-error': ibag._errorMessageProlongToInstallment,
'loan-prolong-to-creditline-error': ibag._errorMessageProlongToCreditline,
'prolong-loan-setting-id': ibag._loanSettingId,
'loan-feetype-mapping': ibag._feetypes
}
},
evaluateExtensionPromotions: function (now, bag, values) {
var ibag = {};
var result = null;
var existingpromo = null;
var percentpromo = null;
var percentpromos = [];
var usedPromotions = [];
if (bag['existing-promotions']) {
var existingPromos = bag['existing-promotions'].sort(function (a, b) {
return b.priority - a.priority;
});
ibag = this.freshBag(bag, null);
for (var i = 0; i < existingPromos.length; i++) {
existingpromo = existingPromos[i];
if (existingpromo['type'] == 'percent') {
percentpromo = {
'amount': parseFloat(existingpromo['amount']),
'id': existingpromo['promoId']
};
if (existingpromo['installmentIndex'] !== undefined) { // installment index can be 0 and then it wouldnt go in
percentpromo['installment_index'] = existingpromo['installmentIndex'] + 1; // + 1 because for promostaging the first installment is index 1 and not 0
}
if (!percentpromos[existingpromo['feeTypeId']]) {
percentpromos[existingpromo['feeTypeId']] = [];
}
percentpromos[existingpromo['feeTypeId']].push(percentpromo);
usedPromotions.push(existingpromo['promoId'].toString());
}
}
ibag['discounts_per'] = percentpromos;
this.fillDiscounts(ibag, values);
}
},
extensionPermissionRules: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: SET-3547 Allow ext for all
(function () {
// Group: Group
if (true) {
bag['allowExtension']();
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Prohibit extension if force settledate is set
(function () {
// Group: Group 1
if ((bag['7560'] == 1 && bag['3141'] == 2)) {
bag['prohibitExtension']('force settledate set - no extension possible CFIT-3333');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Remaining debt < 10 Euro
(function () {
// Group: Group
if ((((bag[4102] > 0.02 && bag[4102] < 10) || (bag[3256] > 0.02 && bag[3256] < 10)) || bag[802] > 60)) {
bag['prohibitExtension']('Fee limit reached');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Alow
(function () {
// Group: Group
if (true) {
bag['allowExtension']();
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
},
freshBag: function (bag, extensionPrice) {
var n = {
_loanExtensionPermitted: false,
_errorMessage: null,
allowExtension: function () {
this._loanExtensionPermitted = true;
this._errorMessage = null;
},
prohibitExtension: function (msg) {
this._loanExtensionPermitted = false;
this._errorMessage = msg;
}
};
for (var id in bag) {
if ((typeof bag[id] === 'string') && !isNaN(bag[id]) && isFinite(bag[id])) {
bag[id] = parseFloat(bag[id]);
}
if (!(id in n)) {
n[id] = bag[id];
}
}
n[-11] = extensionPrice;
return n;
}
},
evaluateExtension: function (bag) {
bag[-3] = bag[-3] || bag['loan-amount']
bag[-2] = bag[-2] || bag['loan-term']
bag[-1] = bag[-1] || bag['loan-extension-term']
var values = {
discounts_per: {},
discounts_amn: {},
extensions: {},
total_extension_term: 0,
prices: {},
feeRates: {},
discounts: {},
discounted: {}
}
var that = this;
var now = new Date().getTime();
var amn = parseFloat(bag[-3]).toFixed(2);
var term = parseFloat(bag[-2]).toFixed(0);
var extterm = parseFloat(bag[-1]).toFixed(0);
if (bag[-7] && (bag[-7] == '-1' || bag[-7] == '1')) {
aleg:
for (var id in this.pricelists) {
if (!('buildPrice' in this.pricelists[id])) {
if (!(amn in this.pricelists[id].data)) {
var pamn = '0.0';
for (var iamn in this.pricelists[id].data) {
if (parseFloat(iamn) > parseFloat(amn)) {
if (bag[-7] == '1') {
amn = iamn;
break aleg;
} else {
if (parseFloat(pamn) == 0.0) {
throw new Error('There is no smaller amount than ' + amn + ' to round down to for pricelist with id ' + id);
}
amn = pamn;
break aleg;
}
}
pamn = iamn;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '1') {
amn = pamn;
break aleg;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '-1') {
amn = pamn;
break aleg;
}
}
}
}
}
for (var id in this.pricelists) {
if (
id != 79
) {
continue;
}
if ('buildPrice' in this.pricelists[id]) {
var save = bag['pricelist_bag'];
bag['pricelist_bag'] = {};
for (var x in save) {
bag['pricelist_bag'][x] = save[x];
}
for (var x in bag) {
if (x != 'pricelist_bag') {
bag['pricelist_bag'][x] = bag[x];
}
}
var pricelist_bag = {};
for (var item in bag['pricelist_bag']) {
pricelist_bag[item] = bag['pricelist_bag'][item];
}
var pricelistResult = this.pricelists[id].buildPrice(amn, extterm, pricelist_bag);
var price = parseFloat(pricelistResult.price);
var feeRate = parseFloat(pricelistResult.rate);
values.prices[id] = price;
values.feeRates[id] = feeRate;
} else {
if (!this.pricelists[id].data) continue;
if (!(amn in this.pricelists[id].data)) {
throw new Error('Invalid Amount ' + amn + ' for pricelist with id ' + id);
}
if (!extterm in this.pricelists[id].data[amn]) {
throw new Error('Invalid Term ' + extterm + ' for pricelist with id ' + id + ' for amount ' + amn);
}
values.prices[id] = parseFloat(this.pricelists[id].data[amn][extterm]);
values.feeRates[id] = 0;
}
}
if ('existing-fees' in bag) {
for (var id in bag['existing-fees']) {
if (bag['existing-fees'][id].amount == 0) {
continue;
}
if (!values.prices[id]) {
values.prices[id] = 0;
}
values.prices[id] += bag['existing-fees'][id].amount;
}
}
this.evaluateExtensionPromotions(now, bag, values);
var details2 = { 'percent-discounts' : {}, 'amount-discounts' : {}, 'extensions': {}, original: {}, discount: {}, final: {} };
for (var id in values.prices) {
var feeType = null;
if (id in this.pricelists) {
feeType = this.pricelists[id].type;
} else if (id in bag['existing-fees']) {
feeType = bag['existing-fees'][id].type;
}
var discountPercentAr = values.discounts_per[id];
var discountPercent = 0;
if (discountPercentAr) {
details2['percent-discounts'][feeType] = discountPercentAr;
for (var i = 0; i < discountPercentAr.length; i++) {
discountPercent += parseFloat(discountPercentAr[i].amount);
}
}
var discountAmountAr = values.discounts_amn[id];
var discountAmount = 0;
if (discountAmountAr) {
details2['amount-discounts'][feeType] = discountAmountAr;
for (var i = 0; i < discountAmountAr.length; i++) {
discountAmount += parseFloat(discountAmountAr[i].amount);
}
}
var discount = Math.min(values.prices[id] * discountPercent / 100 + discountAmount, values.prices[id]);
var finalAmount = values.prices[id] - discount;
values.discounts[id] = parseFloat(discount.toFixed(2));
values.discounted[id] = parseFloat(finalAmount.toFixed(2));
details2.original[feeType] = values.prices[id];
details2.discount[feeType] = values.discounts[id];
details2.final[feeType] = values.discounted[id];
}
var ibag = null;
var extensionPrice = values.discounted[79];
ibag = this.extensionPermissionRules.freshBag(bag, extensionPrice);
this.extensionPermissionRules.evaluate(ibag);
var calc_loan_duedate = bag['loan_duedate'] ? new Date(Date.parse(bag['loan_duedate'])) : null;
if (calc_loan_duedate) {
var calc_loan_is_payday = bag['loan_is_payday'];
var calc_extension_permitted = ibag == null || (!ibag._errorMessage && ibag._loanExtensionPermitted);
var calc_term = parseInt(extterm);
var calc_duedate = null;
var calc_now = new Date();
var calc_late = calc_loan_duedate < calc_now;
var calc_actDuedate = calc_late ? calc_now : calc_loan_duedate;
if (calc_extension_permitted) {
calc_duedate = calc_actDuedate;
if (calc_loan_is_payday) {
calc_duedate.setDate(calc_duedate.getDate() + calc_term);
} else {
calc_duedate.setMonth(calc_duedate.getMonth() + calc_term);
}
calc_duedate = (calc_duedate.toISOString()).substr(0, 10);
}
}
return {
'loan-amount': bag[-3],
'loan-term': bag[-2],
'loan-extension-term': bag[-1],
'loan-extension-fees': values.discounted[79],
'loan-extension-duedate': calc_duedate,
'loan-extension-permitted': ibag._loanExtensionPermitted,
'loan-extension-error': ibag._errorMessage,
'loan-original-extension-fees': values.prices[79],
'loan-free-extension': values.total_extension_term,
details: details2,
};
},
installmentSettings: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
return control;
},
freshBag: function(bag) {
var n = {
promotableInstallmentsCount: 0,
setPromotableInstallmentsCount: function (count) {
this.promotableInstallmentsCount = count;
},
setInstallmentFee: function (dummy, dummy2) {},
setExtensionPrice: function (dummy) {},
getSum: function (dummy) {
return 0;
},
getOpen: function (dummy) {
return 0;
},
getRemaining: function (dummy) {
return 0;
},
round: function (dummy) {
return 0;
}
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
evaluatePromotableInstallments: function(amount, term, bag) {
var ibag = this.freshBag(bag);
ibag.getAmount = function () {
return amount;
};
ibag.getTerm = function () {
return term;
};
this.evaluate(ibag);
return ibag;
},
},
evaluateInstallments: function (bag, promotions) {
// bag[-42] => for active recalc v3
var recalc3 = false;
if (bag[-42]) {
bag[-42].forEach(function (version) {
if (version.product_id == 2 && version.recalc_version > 3) {
recalc3 = true;
}
});
}
var firstInstallmentDate = bag['first-installment-date'];
if (firstInstallmentDate) {
firstInstallmentDate.setMinutes(0);
firstInstallmentDate.setHours(0);
firstInstallmentDate.setSeconds(0);
}
var amount = parseFloat(bag['loan-amount']);
var term = parseFloat(bag['loan-term']);
var loan_fee = parseFloat(bag['loan-fee']);
var original_amount = parseFloat(bag['original-amount']) || 0;
var fast_transfer_fee = 0;
var fast_transfer_fee_split = 1;
var additional_amount_payout_date = null;
var interest_rate = parseFloat(bag['interest-rate']) / 100;
const preparation_fee = 0;
var promotableInstallmentsCount = parseFloat(bag['promotable-installments-count']);
var now = bag['calculation-date'] ? new Date(bag['calculation-date']) : new Date();
// update now without time
var now = new Date(now.getFullYear(), now.getMonth(), now.getDate());
var due = new Date(now.getFullYear(), now.getMonth() + term, now.getDate());
// we dont allow all installments to be promotable/promoteable
if (promotableInstallmentsCount && (term - promotableInstallmentsCount < 1)) {
promotableInstallmentsCount = 0;
}
var calcTerm = term - promotableInstallmentsCount;
function daysBetween(t1, t2) {
var oneDay = 24 * 60 * 60 * 1000;
return Math.round(Math.abs((t1.getTime() - t2.getTime())/oneDay));
}
function dateWithoutTime(date) {
var newdate = date ? new Date(date) : new Date();
newdate.setMinutes(0);
newdate.setHours(0);
newdate.setSeconds(0);
return newdate;
}
function getIntervalJson(interval) {
var yearsSplit = interval.split('y');
var monthsSplit = yearsSplit[1].split('m');
var daysSplit = monthsSplit[1].split('d');
return {
years: parseInt(yearsSplit[0]),
months: parseInt(monthsSplit[0]),
days: parseInt(daysSplit[0])
};
}
function getIntervalNewDate(paymentDate, interval) {
var intervalJson = getIntervalJson(interval);
var intervalNewDate = new Date(paymentDate);
intervalNewDate.setFullYear(paymentDate.getFullYear() + intervalJson.years);
intervalNewDate.setMonth(paymentDate.getMonth() + intervalJson.months);
intervalNewDate.setDate(paymentDate.getDate() + intervalJson.days);
return intervalNewDate;
}
function getMonthlyPaymentDate(date, bag) {
if (!bag || !bag['grace-period-days']) {
return date;
}
var monthlyPaymentDate = new Date(date);
monthlyPaymentDate.setDate(date.getDate() + parseInt(bag['grace-period-days']));
return monthlyPaymentDate;
}
function getNextPaymentDate(paymentDate, targetDay, bag) {
if (bag && 'use-interval' in bag && bag['use-interval']) {
return getIntervalNewDate(paymentDate, bag['interval']);
}
var followingMonth, followingYear, lastOfFollowingMonth, newDate;
if (paymentDate.getMonth() === 11) {
followingMonth = 0;
followingYear = paymentDate.getFullYear() + 1;
} else {
followingMonth = paymentDate.getMonth() + 1;
followingYear = paymentDate.getFullYear();
}
lastOfFollowingMonth = new Date(followingYear, followingMonth + 1, 0);
newDate = dateWithoutTime(paymentDate);
if(lastOfFollowingMonth.getDate() < targetDay) {
newDate.setMonth(lastOfFollowingMonth.getMonth());
newDate.setDate(0);
} else {
newDate.setMonth(paymentDate.getMonth() + 1);
newDate.setDate(targetDay);
}
return newDate;
}
if (bag['additional-payout-date']) {
additional_amount_payout_date = new Date(bag['additional-payout-date']);
}
function calcPromotionDiscount(feeAmount, feeTypeId, currentInstallmentIndex, promotions) {
var totalReduc = 0;
if (promotions.discounts_per[feeTypeId]) {
var promos = promotions.discounts_per[feeTypeId];
for (var i = 0; i < promos.length; i++) {
var p = promos[i];
var a = (p.amount / 100) * feeAmount;
if (p.installment_index < 0) {
p.installment_index = term + p.installment_index + 1;
}
if (p.installment_index - 1 === currentInstallmentIndex) {
totalReduc += a;
} else if (p.installment_index === undefined) {
totalReduc += a;
}
};
}
if (promotions.discounts_amn[feeTypeId]) {
var promos = promotions.discounts_amn[feeTypeId];
for (var z = 0; z < promos.length; z++) {
var p = promos[z];
if (p.installment_index < 0) {
p.installment_index = term + p.installment_index + 1;
}
if (p.installment_index - 1 === currentInstallmentIndex) {
totalReduc += p.amount;
} else if (p.installment_index === undefined) {
totalReduc += p.amount;
}
};
}
return Math.max(0, (feeAmount - totalReduc));
}
var freeze_now = dateWithoutTime(now);
// Todo up
var make_schedule = function(pmt) {
var paymentDate = new Date(freeze_now), oldDate = paymentDate, repayment_interval;
// adapt repayment interval
if (firstInstallmentDate) {
firstInstallmentDate.setSeconds(1);
repayment_interval = Math.floor((firstInstallmentDate - paymentDate) / (1000 * 60 * 60 * 24));
paymentDate = new Date(firstInstallmentDate);
} else {
repayment_interval = new Date(paymentDate.getFullYear(), paymentDate.getMonth() + 1, 0, 0, 0, 0, 0).getDate();
paymentDate.setMonth(paymentDate.getMonth() + 1);
}
var schedule = [];
var curr_principal = amount;
var loan_fee_per_interval = loan_fee / calcTerm;
var interest;
var curr_interest;
var old_year_days, new_year_days;
var interest_before_additional_amount, days_to_additonal_amount;
var days_to_additional_amount_in_old_year, days_to_additional_amount_in_new_year;
var repayment;
if (recalc3) {
// recalc 3 installment fees cannot have remaining debt left from rounding or cutting
loan_fee_per_interval = Math.floor(loan_fee / calcTerm * 100) / 100;
}
var target_day = paymentDate.getDate();
for (var i = 0; i < calcTerm; i += 1) {
// Check for partial payment
if (recalc3 && additional_amount_payout_date && i === 0 && original_amount > 0 && paymentDate > additional_amount_payout_date) {
curr_principal = original_amount;
days_to_additonal_amount = daysBetween(oldDate, additional_amount_payout_date);
if (additional_amount_payout_date.getFullYear() > oldDate.getFullYear()) {
old_year_days = daysBetween(new Date(oldDate.getFullYear(), 0, 1), new Date(oldDate.getFullYear() + 1, 0, 1));
new_year_days = daysBetween(new Date(additional_amount_payout_date.getFullYear(), 0, 1), new Date(additional_amount_payout_date.getFullYear() + 1, 0, 1));
days_to_additional_amount_in_old_year = daysBetween(oldDate, new Date(oldDate.getFullYear() + 1, 0, 1));
days_to_additional_amount_in_new_year = daysBetween(new Date(additional_amount_payout_date.getFullYear(), 0, 1), additional_amount_payout_date);
// this is because recalc 3 fees always start with the next day at 00:00:00
days_to_additional_amount_in_old_year--;
days_to_additional_amount_in_new_year++;
interest_before_additional_amount = (
(curr_principal * (interest_rate / old_year_days
* days_to_additional_amount_in_old_year
))
+
(curr_principal * (interest_rate / new_year_days
* days_to_additional_amount_in_new_year
))
);
} else {
old_year_days = daysBetween(new Date(oldDate.getFullYear(), 0, 1), new Date(oldDate.getFullYear() + 1, 0, 1));
interest_before_additional_amount = curr_principal * (interest_rate / old_year_days * days_to_additonal_amount);
days_to_additional_amount_in_old_year = days_to_additonal_amount;
days_to_additional_amount_in_new_year = 0;
}
oldDate = additional_amount_payout_date;
curr_principal = amount;
} else {
interest_before_additional_amount = 0;
days_to_additional_amount_in_old_year = 0;
days_to_additional_amount_in_new_year = 0;
}
// Check for leap year
if (paymentDate.getFullYear() > oldDate.getFullYear()) {
old_year_days = daysBetween(new Date(oldDate.getFullYear(), 0, 1), new Date(oldDate.getFullYear() + 1, 0, 1));
new_year_days = daysBetween(new Date(paymentDate.getFullYear(), 0, 1), new Date(paymentDate.getFullYear() + 1, 0, 1));
var installment_days_in_old_year = daysBetween(oldDate, new Date(oldDate.getFullYear() + 1, 0, 1)) - days_to_additional_amount_in_old_year,
installment_days_in_new_year = daysBetween(new Date(paymentDate.getFullYear(), 0, 1), paymentDate) - days_to_additional_amount_in_new_year;
if (recalc3) {
// this is because recalc 3 fees always start with the next day at 00:00:00
installment_days_in_old_year--;
installment_days_in_new_year++;
}
var interestRateOldYear = interest_rate / old_year_days * (installment_days_in_old_year - days_to_additional_amount_in_old_year);
var interestRateNewYear = interest_rate / new_year_days * (installment_days_in_new_year - days_to_additional_amount_in_new_year);
interest = (curr_principal * interestRateOldYear)
+ (curr_principal * interestRateNewYear)
+ interest_before_additional_amount;
curr_interest = Math.floor(interest * 100) / 100;
} else {
old_year_days = daysBetween(new Date(oldDate.getFullYear(), 0, 1), new Date(oldDate.getFullYear() + 1, 0, 1));
var interestRate = interest_rate / old_year_days * (repayment_interval - days_to_additional_amount_in_old_year - days_to_additional_amount_in_new_year);
interest = (curr_principal * interestRate) + interest_before_additional_amount;
curr_interest = Math.floor(interest * 100) / 100;
}
var principal = Math.max(0, pmt - loan_fee_per_interval - curr_interest);
var loanfee = calcPromotionDiscount(loan_fee_per_interval, 77, i, promotions);
var interest = calcPromotionDiscount(curr_interest, 83, i, promotions);
// --------------- creating the installment --------------------
var og_principal = parseFloat(Math.max(0, pmt - loan_fee_per_interval - curr_interest));
var og_loanfee = parseFloat(loan_fee_per_interval);
var og_preparationFee = parseFloat(0);
var og_fastTransferFee = parseFloat(0);
var og_interest = parseFloat(curr_interest);
var disc_principal = parseFloat(principal);
var disc_loanfee = parseFloat(loanfee);
var disc_preparationFee = parseFloat(og_preparationFee);
var disc_fastTransferFee = parseFloat(og_fastTransferFee);
var disc_interest = parseFloat(interest);
if (i == 0) {
og_preparationFee = parseFloat(preparation_fee);
disc_preparationFee = Math.min(og_preparationFee, disc_loanfee);
disc_loanfee = disc_loanfee - disc_preparationFee;
og_fastTransferFee = parseFloat(fast_transfer_fee);
disc_fastTransferFee = og_fastTransferFee;
}
if (i + 1 < fast_transfer_fee_split) {
og_fastTransferFee = Math.ceil(fast_transfer_fee / fast_transfer_fee_split * 100) / 100;
disc_fastTransferFee = og_fastTransferFee;
} else if (i + 1 == fast_transfer_fee_split && i > 0) {
og_fastTransferFee = parseFloat(fast_transfer_fee - (Math.ceil(fast_transfer_fee / fast_transfer_fee_split * 100) / 100) * i);
disc_fastTransferFee = og_fastTransferFee;
}
repayment = {
date: paymentDate,
original: {
78: og_principal,
77: og_loanfee,
83: og_interest
},
discounted: {
78: disc_principal,
77: disc_loanfee,
83: disc_interest
},
discounts: {},
payment: disc_principal + disc_loanfee + disc_interest + disc_preparationFee + disc_fastTransferFee
};
repayment.discounts[78] = parseFloat(repayment.original[78] - repayment.discounted[78]);
repayment.discounts[77] = parseFloat(repayment.original[77] - repayment.discounted[77]);
repayment.discounts[83] = parseFloat(repayment.original[83] - repayment.discounted[83]);
curr_principal -= principal;
schedule.push(repayment);
oldDate = paymentDate;
paymentDate = getNextPaymentDate(paymentDate, target_day, null);
repayment_interval = daysBetween(oldDate, paymentDate);
}
// Return schedule and remaining principal
return {
schedule: schedule,
leftover: curr_principal,
};
};
var guessRounding = function(value) {
if (recalc3) {
return Math.round(((value) / 2) * 100) / 100;
} else {
return Math.ceil(((value) / 2) * 100) / 100;
}
}
var days_diff = Math.floor((due - now) / (1000 * 60 * 60 * 24));
var min_rep = (amount + loan_fee) / calcTerm;
var max_rep = (amount + loan_fee + (amount * (interest_rate / 366 * days_diff))) / calcTerm;
var old_guess = undefined;
var guess = guessRounding(min_rep + max_rep);
var sched = make_schedule(guess);
var tries = 0;
while (Math.abs(sched.leftover) > 0.00001 && guess !== old_guess && tries < 40) {
if (sched.leftover > 0) {
min_rep = guess;
guess = guessRounding(guess + max_rep);
} else {
max_rep = guess;
guess = guessRounding(guess + min_rep);
}
sched = make_schedule(guess);
tries += 1;
}
var last = sched.schedule.slice(-1)[0];
last.payment += sched.leftover;
last.original[78] += sched.leftover;
last.discounted[78] += sched.leftover;
var paymentDate = last.date;
for (var j = 0; j < promotableInstallmentsCount; j += 1) {
paymentDate = new Date(paymentDate.getFullYear(), paymentDate.getMonth() + 1, paymentDate.getDate());
var special_loanfee = calcPromotionDiscount(last.payment, 77, calcTerm + j, promotions);
var promotableInstallment = {
date: paymentDate,
original: {
78: 0,
77: last.payment,
83: 0
},
discounted: {
78: 0,
77: special_loanfee,
83: 0
},
discounts: {
},
payment: special_loanfee
};
promotableInstallment.discounts[78] = parseFloat(promotableInstallment.original[78] - promotableInstallment.discounted[78]);
promotableInstallment.discounts[77] = parseFloat(promotableInstallment.original[77] - promotableInstallment.discounted[77]);
promotableInstallment.discounts[83] = parseFloat(promotableInstallment.original[83] - promotableInstallment.discounted[83]);
sched.schedule.push(promotableInstallment);
}
return sched;
},
calculateAPR: function (startAmount, values) {
var PRECISION = 0.00001;
var MAX_ATTEMPTS = 1000;
var bsMinB = -0.999999999999;
var bsMaxB = 2000000000;
var principal = startAmount;
var attempts = 0;
var repaymentTotal = 0;
var APRRate = 1;
while (Math.abs(repaymentTotal - principal) > PRECISION) {
if (attempts >= MAX_ATTEMPTS || (bsMaxB == bsMinB) && (bsMaxB == APRRate)) {
return NaN;
}
attempts++;
if (attempts > 1) {
if (repaymentTotal < principal) {
bsMaxB = APRRate;
} else {
bsMinB = APRRate;
}
APRRate = bsMaxB - (bsMaxB - bsMinB) / 2;
}
repaymentTotal = 0;
for (var i = 0; i < values.length; i++) {
var rt = Math.pow(1 + APRRate, (i + 1) / 12); // 12 = compounding period
repaymentTotal += values[i].payment / rt;
}
}
return APRRate * 100;
},
DaysBetween: function(date1, date2) {
var oneDay = 24*60*60*1000;
return Math.round(Math.abs((date1.getTime() - date2.getTime())/oneDay));
},
XNPV: function(rate, values, daysInYear) {
var payment_fee_percentage = 0.00 / 100;
var xnpv = 0.0;
var firstDate = new Date(values[0].date);
for (var i = 0, max = values.length; i < max; i += 1) {
var tmp = values[i];
var value;
if (tmp.payment < 0) {
value = tmp.payment * (1 - payment_fee_percentage);
} else {
value = tmp.payment * (1 + payment_fee_percentage);
}
var date = new Date(tmp.date);
xnpv += value / Math.pow(1 + rate, this.DaysBetween(firstDate, date)/daysInYear);
}
return xnpv;
},
aprForPayday: function(initialAmount, term, toRepay, daysInYear) {
var payment_fee_percentage = 0.00 / 100;
return Math.round((Math.pow(toRepay * (1 + payment_fee_percentage) / (initialAmount * (1 - payment_fee_percentage)), daysInYear / term) - 1) * 10000) / 100;
},
arForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round(price / initialAmount * (daysInYear / term) * 10000) / 100;
},
rpyForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term * daysInYear) * 10000) / 100;
},
rpmForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term * daysInYear / 12) * 10000) / 100;
},
rpdForPayday: function (initialAmount, term, toRepay) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term) * 10000) / 100;
},
XIRR: function(initialAmount, values, guess, forcePayoutDate, daysInYear) {
if (!guess) guess = 0.1;
var payoutDate = forcePayoutDate ? new Date(forcePayoutDate) : new Date();
payoutDate.setMinutes(0);
payoutDate.setHours(0);
payoutDate.setSeconds(0);
values = values.slice(0);
values.unshift({payment:-initialAmount, date:payoutDate});
var x1 = 0.0;
var x2 = guess;
var f1 = this.XNPV(x1, values, daysInYear);
var f2 = this.XNPV(x2, values, daysInYear);
for (var i = 0; i < 100; i++) {
if ((f1 * f2) < 0.0) break;
if (Math.abs(f1) < Math.abs(f2)) {
f1 = this.XNPV(x1 += 1.6 * (x1 - x2), values, daysInYear);
} else {
f2 = this.XNPV(x2 += 1.6 * (x2 - x1), values, daysInYear);
}
};
if ((f1 * f2) > 0.0) return null;
var f = this.XNPV(x1, values, daysInYear);
if (f < 0.0) {
var rtb = x1;
var dx = x2 - x1;
} else {
var rtb = x2;
var dx = x1 - x2;
};
for (var i = 0; i < 100; i++) {
dx *= 0.5;
var x_mid = rtb + dx;
var f_mid = this.XNPV(x_mid, values, daysInYear);
if (f_mid <= 0.0) rtb = x_mid;
if ((Math.abs(f_mid) < 1.0e-6) || (Math.abs(dx) < 1.0e-6)) return Math.max(0, x_mid * 100);
};
return null;
},
rpyForInstallment: function (interestRate) {
return interestRate;
},
rpmForInstallment: function (interestRate) {
return interestRate / 12;
},
rpdForInstallment: function (interestRate, daysInYear) {
return interestRate / daysInYear;
},
// add base functions
fillDiscounts: function (ibag, values) {
for (var id in ibag.discounts_per) {
if (!(id in values.discounts_per)) {
values.discounts_per[id] = [];
}
for (var i = 0; i < ibag.discounts_per[id].length; i++) {
values.discounts_per[id].push(ibag.discounts_per[id][i]);
}
}
for (var id in ibag.discounts_amn) {
if (!(id in values.discounts_amn)) {
values.discounts_amn[id] = [];
}
for (var i = 0; i < ibag.discounts_amn[id].length; i++) {
values.discounts_amn[id].push(ibag.discounts_amn[id][i]);
}
}
if (!('designations' in values)) {
values.designations = {};
}
for (var promo_id in ibag.designations) {
values.designations[promo_id] = ibag.designations[promo_id];
}
for (var promo_id in ibag.customer_data) {
if (!('customer_data' in values)) {
values.customer_data = {};
}
values.customer_data[promo_id] = ibag.customer_data[promo_id];
}
var totalTerm = 0;
for (var i = 0; i < ibag.extensions.length; i++) {
var promo_id = ibag.extensions[i].id;
if (!(promo_id in values.extensions)) {
values.extensions[promo_id] = 0;
}
values.extensions[promo_id] += ibag.extensions[i].term;
values.total_extension_term += ibag.extensions[i].term;
}
},
round: function (value, interval, mode) {
var returnValue = null;
var value = value / interval;
switch (mode) {
case 0: //FUNCTION_ROUND_FLOOR
returnValue = Math.floor(value);
break;
case 1: //FUNCTION_ROUND_CEIL
returnValue = Math.ceil(value);
break;
case 3: //FUNCTION_ROUND_HALF_DOWN
returnValue = -Math.round(-value);
break;
case 2: //FUNCTION_ROUND_HALF_UP
returnValue = Math.round(value);
break;
}
return returnValue ? returnValue / (1 / interval) : returnValue;
},
freshBag: function (bag, promo_id) {
var that = this;
var n = {
discounts_per: {},
discounts_amn: {},
extensions: [],
designations: {},
customer_data: {},
addInstallmentPromotionPercent: function (feetype, amount, installment_index) {
if (!(feetype in this.discounts_per)) {
this.discounts_per[feetype] = [];
}
this.discounts_per[feetype].push({ amount: amount, id: promo_id, installment_index: installment_index });
},
addInstallmentPromotion: function (feetype, amount, installment_index) {
if (!(feetype in this.discounts_amn)) {
this.discounts_amn[feetype] = [];
}
this.discounts_amn[feetype].push({ amount: amount, id: promo_id, installment_index: installment_index });
},
addDiscountPercent: function (feetype, amount) {
if (!(feetype in this.discounts_per)) {
this.discounts_per[feetype] = [];
}
this.discounts_per[feetype].push({ amount: amount, id: promo_id });
},
addDiscount: function (feetype, amount) {
if (!(feetype in this.discounts_amn)) {
this.discounts_amn[feetype] = [];
}
this.discounts_amn[feetype].push({ amount: amount, id: promo_id });
},
setDesignation: function (designation) {
this.designations[promo_id] = designation;
},
addFreeExtension: function (term) {
this.extensions.push({ term: term, id: promo_id });
},
getCustomerData: function (type) {
if ('customer-data' in bag && type in bag['customer-data']) {
return bag['customer-data'][type];
} else {
return null;
}
},
setCustomerData: function (type, data) {
if (!(promo_id in this.customer_data)) {
this.customer_data[promo_id] = [];
}
this.customer_data[promo_id].push({ type: type, data: data });
},
round: that.round,
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
evaluateLoanPromotions: function (now, bag, values) {
var ibag = {};
var existingpromo = null;
var percentpromo = null;
var percentpromos = [];
var usedPromotions = [];
if (bag['existing-promotions']) {
var existingPromos = bag['existing-promotions'].sort(function (a, b) {
return b.priority - a.priority;
});
ibag = this.freshBag(bag, null);
for (var i = 0; i < existingPromos.length; i++) {
existingpromo = existingPromos[i];
if (existingpromo['type'] == 'percent') {
percentpromo = {
'amount': parseFloat(existingpromo['amount']),
'id': existingpromo['promoId']
};
if (existingpromo['installmentIndex'] !== undefined) { // installment index can be 0 and then it wouldnt go in
percentpromo['installment_index'] = existingpromo['installmentIndex'] + 1; // + 1 because for promostaging the first installment is index 1 and not 0
}
if (!percentpromos[existingpromo['feeTypeId']]) {
percentpromos[existingpromo['feeTypeId']] = [];
}
percentpromos[existingpromo['feeTypeId']].push(percentpromo);
usedPromotions.push(existingpromo['promoId'].toString());
}
}
ibag['discounts_per'] = percentpromos;
this.fillDiscounts(ibag, values);
}
var quit = false;
},
addPromotionResult: function (now, bag, values, start, end, id) {
var ibag = {};
var result = null;
if (start < now && now < end) {
ibag = this.freshBag(bag, id);
result = this.promotions[id].evaluate(ibag);
this.fillDiscounts(ibag, values);
return result.quit;
}
return false;
},
evaluate: function (bag) {
bag[-3] = bag[-3] || bag['loan-amount']
bag[-2] = bag[-2] || bag['loan-term']
var values = {
discounts_per: {},
discounts_amn: {},
extensions: {},
total_extension_term: 0,
prices: {},
feeRates: {},
discounts: {},
discounted: {},
prices_without_tax: {},
discounted_without_tax: {},
discounts_without_tax: {}
}
var that = this;
var now = new Date().getTime();
var amn = parseFloat(bag[-3]).toFixed(2);
var term = parseFloat(bag[-2]).toFixed(0);
var extterm = bag[-1] == undefined ? term : parseFloat(bag[-1]).toFixed(0);
// apr calculation is by default true, unless apr is set
var apr = bag[-13] == undefined ? true : bag[-13];
var excludeFeesFromApr = bag['exclude-fees-from-apr'] == undefined ? [] : bag['exclude-fees-from-apr'];
if (bag[-7] && (bag[-7] == '-1' || bag[-7] == '1')) {
aleg:
for (var id in this.pricelists) {
if (!('buildPrice' in this.pricelists[id])) {
if (!(amn in this.pricelists[id].data)) {
var pamn = '0.0';
for (var iamn in this.pricelists[id].data) {
if (parseFloat(iamn) > parseFloat(amn)) {
if (bag[-7] == '1') {
amn = iamn;
break aleg;
} else {
if (parseFloat(pamn) == 0.0) {
throw new Error('There is no smaller amount than ' + amn + ' to round down to for pricelist with id ' + id);
}
amn = pamn;
break aleg;
}
}
pamn = iamn;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '1') {
amn = pamn;
break aleg;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '-1') {
amn = pamn;
break aleg;
}
}
}
}
}
for (var id in this.pricelists) {
if (bag['ignore-fee'] && bag['ignore-fee'][this.fee_types[id]]) {
values.prices[id] = 0;
continue;
}
if ('buildPrice' in this.pricelists[id]) {
bag['pricelist_bag'] = bag['pricelist_bag'] || {};
for (var x in bag) {
if (x != 'pricelist_bag') {
bag['pricelist_bag'][x] = bag[x];
}
}
var pricelistResult = this.pricelists[id].buildPrice(amn, term, bag['pricelist_bag']);
values.prices[id] = pricelistResult.price;
values.feeRates[id] = pricelistResult.rate;
} else {
if (!(amn in this.pricelists[id].data)) {
throw new Error('Invalid Amount ' + amn + ' for pricelist with id ' + id);
}
if (!term in this.pricelists[id].data[amn]) {
throw new Error('Invalid Term ' + term + ' for pricelist with id ' + id + ' for amount ' + amn);
}
values.prices[id] = this.pricelists[id].data[amn][term];
values.feeRates[id] = 0;
}
if (this.pricelists[id].tax_percentage && this.pricelists[id].tax_percentage > 0) {
values.prices_without_tax[id] = (values.prices[id] / (1 + parseFloat(this.pricelists[id].tax_percentage))).toFixed(2);
}
}
this.evaluateLoanPromotions(now, bag, values);
var details2 = {
'percent-discounts': {},
'amount-discounts': {},
extensions: {},
original: {},
discount: {},
final: {},
tax_percentage: {},
without_tax: {
original: {},
final: {},
discount: {}
}
};
var productId = true ? 2 : 1;
var recalcVersion = 0;
if (bag[-42]) {
bag[-42].forEach(function (version) {
if (version.product_id == productId) {
recalcVersion = version.recalc_version;
}
});
}
// if there are installment settings, call the installment handler
var interest_rate = values.prices[83];
var fast_transfer_fee_split = null;
var _promotable_installments_count = this.installmentSettings.evaluatePromotableInstallments(amn, term, bag).promotableInstallmentsCount;
var additional_loan_fee_rate = null;
if (bag[-23]) { // risk appetite / additional interest rate
interest_rate = parseFloat(interest_rate) + parseFloat(bag[-23]);
}
values.feeRates[83] = interest_rate;
var subbag = {};
subbag['first-installment-date'] = bag['first-installment-date'];
subbag['loan-amount'] = amn;
subbag['loan-term'] = term;
subbag['loan-fee'] = parseFloat(values.prices[77]);
if (bag[-69]) {
var additional_loan_fee_rate_setting = bag[-69];
if (additional_loan_fee_rate_setting.type === 0) {
additional_loan_fee_rate = amn * parseFloat(additional_loan_fee_rate_setting.value) / 100;
values.feeRates[77] += additional_loan_fee_rate_setting.value;
} else {
additional_loan_fee_rate = parseFloat(additional_loan_fee_rate_setting.value);
}
subbag['loan-fee'] = subbag['loan-fee'] + additional_loan_fee_rate;
}
subbag['enable-fast-transfer-fee'] = bag['enable-fast-transfer-fee'] == undefined ? [] : bag['enable-fast-transfer-fee'];
subbag['original-amount'] = bag[-25] == undefined ? 0 : parseFloat(bag[-25]);
subbag['additional-payout-date'] = bag['additional-payout-date'] == undefined ? null : bag['additional-payout-date'];
subbag['interest-rate'] = interest_rate;
subbag['promotable-installments-count'] = _promotable_installments_count;
if (bag[-42]) {
subbag[-42] = bag[-42];
}
if (bag['calculation-date']) {
subbag['calculation-date'] = bag['calculation-date'];
}
var _pre_all_installments = this.evaluateInstallments(subbag, values).schedule;
var _all_installments = [];
var _all_installments_without_tax = [];
values.prices = {};
for (var i = 0, max = _pre_all_installments.length; i < max; i += 1) {
var inst = _pre_all_installments[i];
var ext_percent = 0;
var ext_amount = 0;
if (79 in values.discounts_per) {
for (var di = 0; di < values.discounts_per[79].length; di++) {
ext_percent += values.discounts_per[79][di].amount;
}
}
if (79 in values.discounts_amn) {
for (var di = 0; di < values.discounts_amn[79].length; di++) {
ext_percent += values.discounts_amn[79][di].amount;
}
}
var discount = Math.min(inst[79] * ext_percent / 100 + ext_amount, inst[79]);
inst.original[79] = inst[79];
inst.discounts[79] = discount;
inst.discounted[79] = inst.original[79] - discount;
var installment = {
date: inst.date,
payment: inst.payment,
original: {
principal: inst.original[78],
interest: inst.original[83],
commission: inst.original[77],
},
principal: inst.discounted[78],
interest: inst.discounted[83],
commission: inst.discounted[77]
};
var installment_without_tax = {
date: inst.date,
payment: inst.payment,
original: {
principal: inst.original[78] / (1 + (this.pricelists[78] && this.pricelists[78].tax_percentage ? parseFloat(this.pricelists[78].tax_percentage) : 0)),
interest: inst.original[83] / (1 + (this.pricelists[-83] && this.pricelists[-83].tax_percentage ? parseFloat(this.pricelists[-83].tax_percentage) : 0)),
commission: inst.original[77] / (1 + (this.pricelists[77] && this.pricelists[77].tax_percentage ? parseFloat(this.pricelists[77].tax_percentage) : 0))
},
principal: inst.discounted[78] / (1 + (this.pricelists[78] && this.pricelists[78].tax_percentage ? parseFloat(this.pricelists[78].tax_percentage) : 0)),
interest: inst.discounted[83] / (1 + (this.pricelists[-83] && this.pricelists[-83].tax_percentage ? parseFloat(this.pricelists[-83].tax_percentage) : 0)),
commission: inst.discounted[77] / (1 + (this.pricelists[77] && this.pricelists[77].tax_percentage ? parseFloat(this.pricelists[77].tax_percentage) : 0))
};
installment_without_tax.payment = installment_without_tax.principal + installment_without_tax.interest + installment_without_tax.commission;
_all_installments.push(installment);
_all_installments_without_tax.push(installment_without_tax);
for (var id in inst.original) {
if (!isNaN(id)) {
if (!(id in values.discounted)) {
values.discounted[id] = 0;
}
values.discounted[id] += inst.discounted[id];
if (!(id in values.prices)) {
values.prices[id] = 0;
}
values.prices[id] += inst.original[id];
if (!(id in values.discounts)) {
values.discounts[id] = 0;
}
values.discounts[id] += inst.discounts[id];
}
}
}
var loan_total = values.discounted[78] + values.discounted[77] + values.discounted[83];
for (var id in values.prices) {
if (id < 0) {
continue;
}
var name = '';
if (id in this.pricelists) {
name = this.pricelists[id].type;
} else if (id == 83) {
name = 'interest-fee';
} else if (id == 77) {
name = 'loan-fee';
}
details2.original[name] = values.prices[id];
details2.discount[name] = values.discounts[id];
details2.final[name] = values.discounted[id];
details2.without_tax.original[name] = values.prices_without_tax[id] || values.prices[id];
details2.without_tax.discount[name] = values.discounts_without_tax[id] || values.discounts[id];
details2.without_tax.final[name] = values.discounted_without_tax[id] || values.discounted[id];
if (id in this.pricelists) {
details2.tax_percentage[name] = parseFloat(this.pricelists[id].tax_percentage || 0);
details2.without_tax.original[name] = values.prices_without_tax[id] || values.prices[id];
details2.without_tax.discount[name] = values.discounts_without_tax[id] || values.discounts[id];
details2.without_tax.final[name] = values.discounted_without_tax[id] || values.discounted[id];
} else {
var interest_tax_percantage = parseFloat(0.000);
details2.tax_percentage[name] = parseFloat(interest_tax_percantage || 0);
details2.without_tax.original[name] = parseFloat(values.prices[id] / (1 + interest_tax_percantage)).toFixed(2);
details2.without_tax.discount[name] = parseFloat(values.discounts[id] / (1 + interest_tax_percantage)).toFixed(2);
details2.without_tax.final[name] = parseFloat(values.discounted[id] / (1 + interest_tax_percantage)).toFixed(2);
}
}
if ((bag[-15] || false) == false) {
delete details2.without_tax;
delete details2.tax_percentage;
}
var ret = {
'loan-amount': bag[-3],
'loan-term': bag[-2],
'loan-repay-amount': values.discounted[78],
'loan-total': loan_total,
'loan-free-extension': values.total_extension_term,
'annual-loan-fee-rate': (values.feeRates[77]/ 100).toFixed(10),
'loan-promotable-installments-count': _promotable_installments_count,
details: details2,
installments: _all_installments,
installments_without_tax: _all_installments_without_tax,
'installment-interest-rate': interest_rate,
'loan-duedate': _all_installments[_all_installments.length - 1].date,
};
var total_fee_cost_values = 0;
if (values.prices['77']) {
ret['loan-fees'] = values.discounted[77];
ret['loan-original-fees'] = values.prices[77];
total_fee_cost_values += values.discounted[77];
}
if (values.prices['83']) {
ret['loan-interest-fees'] = values.discounted['83'];
ret['loan-original-interest-fees'] = values.prices['83'];
ret['loan-interest-fee-type-id'] = 83;
total_fee_cost_values += values.discounted[83];
}
ret['loan-total-fee-cost'] = total_fee_cost_values;
if (values.customer_data) {
ret['customer-data'] = values.customer_data;
}
if (values.feeRates) {
ret['fee-rates'] = values.feeRates;
}
if (apr == true) {
var daysInYear = 365;
const installmentsForApr = JSON.parse(JSON.stringify(((bag[-15] || false) == false) ? _all_installments : _all_installments_without_tax));
if (excludeFeesFromApr.length > 0) {
for (var ifa = 0; ifa < installmentsForApr.length; ifa++) {
for (var ftei = 0; ftei < excludeFeesFromApr.length; ftei++) {
if (installmentsForApr[ifa][excludeFeesFromApr[ftei]] != undefined) {
installmentsForApr[ifa].payment = installmentsForApr[ifa].payment - installmentsForApr[ifa][excludeFeesFromApr[ftei]];
}
}
}
}
var forcePayoutDate = bag["calculation-date"] ? bag["calculation-date"] : bag[-16] ? bag[-16] : null;
ret['loan-apr'] = this.XIRR(parseFloat(bag[-3]), installmentsForApr, null, forcePayoutDate, daysInYear);
if (interest_rate) {
ret['loan-rpy'] = this.rpyForInstallment(interest_rate);
ret['loan-rpm'] = this.rpmForInstallment(interest_rate);
ret['loan-rpd'] = this.rpdForInstallment(interest_rate, daysInYear);
}
}
return ret;
},
fields: {
460: 'Status',
799: 'Loan count',
802: 'Delay',
2438: 'Is First Loan',
2538: 'Verification Mode',
2788: 'Open principal',
3141: 'Product',
3251: 'Has Open Payday Loan',
3252: 'Has Open Creditline',
3253: 'Has Open Installment Loan',
3256: 'Next installment remaining debt',
3353: 'Installment Delay',
4102: 'Late installment remaining debt (w/o LF)',
6054: 'Last Instantor Succesful Verification',
7560: 'is_force_settled',
},
dateValidationDefinition: 
{
evaluate: function (bag) {
var control = { canceled: false, quit: false };
(function () {
bag["isValid"]();
})();
return control;
},
freshBag: function (bag, date_to_check) {
var n = {
date_to_check: date_to_check,
holidays: [],
valid: false,
confirmDate: function (checkDate) {
var resultDate = null;
if (checkDate === null) {
checkDate = "1900-01-01";
}
// Check if it is a correct Date object
if (checkDate instanceof Date && !isNaN(checkDate.getMonth())) {
resultDate = checkDate;
}
if (typeof checkDate === 'string') {
resultDate = new Date(checkDate);
// Check if it is a correct date
if (isNaN(resultDate.getMonth())) {
resultDate = new Date("1900-01-01");
}
}
if (resultDate === null) {
resultDate = new Date("1900-01-01");
}
resultDate = new Date(this.getDateToString(resultDate));
resultDate.setMinutes(resultDate.getMinutes() + resultDate.getTimezoneOffset());
return resultDate;
},
getDateToString: function (date) {
return date.getFullYear() + '-' + ("0" + (date.getMonth() + 1 )).slice(-2) + '-' + ("0" + date.getDate()).slice(-2);
},
getValidDateToString: function () {
if (!this.valid) {
return null;
}
var date = this.confirmDate(this.date_to_check);
return this.getDateToString(date);
},
getDay: function () {
var date = this.confirmDate(this.date_to_check);
return date.getDate();
},
getMonth: function () {
var date = this.confirmDate(this.date_to_check);
// date.getMonth is 0-indexed
return (date.getMonth() + 1);
},
getYear: function () {
var date = this.confirmDate(this.date_to_check);
return date.getFullYear();
},
getDayOfWeek: function () {
var date = this.confirmDate(this.date_to_check);
return date.getDay();
},
daysInCurrentMonth: function () {
var date = this.confirmDate(new Date());
return new Date(date.getFullYear(), date.getMonth() + 1, 0).getDate();
},
isHoliday: function () {
var date = this.confirmDate(this.date_to_check);
for(var i = 0; i < this.holidays.length; ++i) {
holiday = this.confirmDate(this.holidays[i]);
if (Date.parse(date) === Date.parse(holiday)) {
return true;
}
}
return false;
},
daysFromNow: function () {
var now = this.confirmDate(new Date());
var dateToCheck = this.confirmDate(this.date_to_check);
var diff = Date.UTC(now.getFullYear(), now.getMonth(), now.getDate()) - Date.UTC(dateToCheck.getFullYear(), dateToCheck.getMonth(), dateToCheck.getDate());
return (Math.floor(diff / (24 * 60 * 60 * 1000)) * -1);
},
isValid: function () {
this.valid = true;
}
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
getRange: function (wished_range) {
var max_range = 50;
if (wished_range === null || wished_range > max_range || wished_range < 1) {
return max_range;
}
return wished_range;
},
getOffset: function (wished_offset) {
var min_offset = 0;
if (wished_offset === null || wished_offset < min_offset) {
return min_offset;
}
return wished_offset;
},
getValidDates: function (bag, offset, range) {
range = this.getRange(range);
var date = new Date();
date.setDate(date.getDate() + parseInt(this.getOffset(offset)));
var validDays = [];
for (var i = 0; i < range; i++) {
var _date = new Date(date);
_date.setDate(_date.getDate() + i);
var ibag = this.freshBag(bag, _date);
this.evaluate(ibag);
if (ibag.valid) {
validDays.push(ibag.getValidDateToString());
}
}
return validDays;
},
},
},
creditline: {
pricelists: {
'78': {
type: 'principal',
fee_type_id: '78',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
bag['setAmountRange'](50, 2000, 5);
if (control.canceled) return;
bag['setTermRange'](48, 48, 1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
vars['amount'] = bag['getAmount']();
bag['setPrice'](vars['amount']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
'79': {
type: 'extension-fee',
fee_type_id: '79',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
(bag['setAmountRange'](100, 1000, 5) * bag['setTermRange'](1, 1, 1));
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if ([1,3].indexOf(parseInt(bag[460])) !== -1) {
vars['price'] = (bag[3256] * 0.3);
bag['setPrice'](vars['price']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if ([17,4].indexOf(parseInt(bag[460])) !== -1) {
vars['price'] = (bag[4102] * 0.3);
bag['setPrice'](vars['price']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
},
fee_types: {
77: 'loan_fee',
78: 'principal',
79: 'extension_fee',
80: 'penalty',
81: 'late_fee',
82: 'payout_fee',
83: 'interest_fee',
87: 'cash_fee',
258: 'late_fee_delay',
260: 'late_fee_delay',
262: 'late_fee_delay',
333: 'court_fee',
359: 'sale_fee',
460: 'late_fee_delay',
465: 'court_fee',
},
promotions: {
},
loanlimit: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Income Verify Limit
if ((bag[799] == 0 && (toDate(bag[6054]).getTime() < (1714205011107-7776000000) || [4].indexOf(parseInt(bag[2538])) === -1))) {
bag['setIncomeVerifyLimit'](1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] > 0) {
bag['setIncomeVerifyLimit'](1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] == 0) {
bag['setVisibleLimit'](2000);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] == 1) {
bag['setVisibleLimit'](2000);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] == 2) {
bag['setVisibleLimit'](2000);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] >= 3) {
bag['setVisibleLimit'](2000);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (true) {
bag['setSliderDefault'](null, null, 3);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
freshBagLimit: function (bag) {
var n = {
_available_limit: null,
_day_lower_bound: null,
_visible_limit: null,
_day_limit: null,
_available_day_limit: null,
_lowerbound: null,
_income_verify_limit: null,
_reject_message: null,
_slider_default: null,
setSliderDefault: function (amount, term, product) {
if (Number.isInteger(amount) && Number.isInteger(term) && Number.isInteger(product)) {
this._slider_default = {
"amount" : parseFloat(amount).toFixed(2),
"term" : parseFloat(term).toFixed(0),
"default_product" : product
};
}
},
setIncomeVerifyLimit: function (limit) {
this._income_verify_limit = limit;
},
setLimit: function (limit) {
this._visible_limit = limit;
},
setVisibleLimit: function (limit) {
this._visible_limit = limit;
},
setAvailableLimit: function (limit) {
this._available_limit = limit;
},
setHardLimit: function (limit) {
this._available_limit = limit;
},
getRegistrationField: function (field) {
return this[field] || 0;
},
getAmount: function () {
return bag[-3];
},
getMaximumRepayableAmount: function () {
return bag[-22];
},
setDayLowerBound: function (amount) {
this._day_lower_bound = amount;
},
setDayLimit: function (limit) {
this._day_limit = limit;
},
setAvailableDayLimit: function (limit) {
this._available_day_limit = limit;
},
setInstallmentsCount: function (limit) {
this._day_limit = limit;
},
getInstallmentsCount: function (limit) {
return this._day_limit;
},
setRejectLoan: function (message) {
this._reject_message = message;
},
setExtensionLimit: function (limit) {
this._extension_limit = limit;
},
setLowerBound: function (limit) {
this._lowerbound = limit;
},
getMonthlyPayment: function (initialPrincipal, annualInterestRate, term) {
var annualInterestRate = annualInterestRate / 100;
var monthlyInterestRate = annualInterestRate / 12;
var divident = initialPrincipal * monthlyInterestRate;
var divisor = 1 - (1 / Math.pow((1 + monthlyInterestRate), term));
return divident / divisor;
},
getOverpaymentCoefficient: function (annualInterestRate, term) {
var initialPrincipal = 1000;
var monthlyPayment = this.getMonthlyPayment(initialPrincipal, annualInterestRate, term);
var totalRepayableAmount = monthlyPayment * term;
return totalRepayableAmount / initialPrincipal;
},
getInterestRateApproximationFromAnnuity: function (termMonths) {
var termDays = termMonths * 30;
var constant = 1.000018;
var resultBase = constant + (termDays * 0.0007 + 1) / termMonths;
var resultLog = Math.log2(1 + 1 / termMonths);
resultBase = Math.pow(resultBase, (1 / resultLog)) - 1;
var interestRateApproximationFromAnnuity = ((Math.pow(resultBase, resultLog) - constant) * 12) * 100;
var flooredResult = Math.floor(interestRateApproximationFromAnnuity * 100) / 100;
return flooredResult;
},
calculateTermUpperLimit: function (amount, maxRepayable, interest) {
let monthlyInterest = (interest/100) / 12;
return (isNaN(Math.ceil(Math.log(1 / (1 - ((amount * monthlyInterest) / maxRepayable))) / Math.log1p(monthlyInterest))) ? 0 : Math.ceil(Math.log(1 / (1 - ((amount * monthlyInterest) / maxRepayable))) / Math.log1p(monthlyInterest)));
},
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
if ( ! (-8 in n)) {
n[-8] = 237;
}
n["round"] = this.round
return n;
},
filterAvailableTerms: function (bag, checkFunction) {
var limits = this.evaluateLimit(bag);
var lowestAvailableTerm = null;
for (var index = 0; index < limits.terms.length; index++) {
var t = limits.terms[index];
bag['-2'] = t;
var currentTermLimits = this.evaluateLimit(bag);
if (checkFunction) {
if (checkFunction(currentTermLimits)) {
lowestAvailableTerm = t;
break;
}
} else if (currentTermLimits.amounts_available.length > 0) {
lowestAvailableTerm = t;
break;
}
}
return limits.terms.slice(limits.terms.indexOf(lowestAvailableTerm));
},
evaluateLimit: function (bag) {
var finalAmounts_available = [];
var finalAmounts_visible = [];
var finalDays = [];
var finalDays_available = [];
var finalExtDays = [];
var ibag = this.freshBagLimit(bag);
var result = this.loanlimit.evaluate(ibag);
this.pricelists[78].buildDimension(bag);
this.pricelists[79].buildDimension(bag);
for (var i = 0; i < this.pricelists[78].amounts.length; i++) {
var amn = this.pricelists[78].amounts[i];
if ((ibag._available_limit == null || parseFloat(amn) <= ibag._available_limit) && 
(ibag._lowerbound == null || parseFloat(amn) >= ibag._lowerbound)) {
finalAmounts_available.push(parseFloat(amn).toFixed(2));
}
if ((ibag._visible_limit == null || parseFloat(amn) <= ibag._visible_limit) && 
(ibag._lowerbound == null || parseFloat(amn) >= ibag._lowerbound)) {
finalAmounts_visible.push(parseFloat(amn).toFixed(2));
}
}
for (var i = 0; i < this.pricelists[78].terms.length; i++) {
var day = this.pricelists[78].terms[i];
if ((ibag._day_limit == null || parseFloat(day) <= ibag._day_limit) && 
(ibag._day_lower_bound == null || parseFloat(day) >= ibag._day_lower_bound)) {
finalDays.push(parseFloat(day).toFixed(0));
}
if ((ibag._available_day_limit == null || parseFloat(day) <= ibag._available_day_limit) && 
(ibag._day_lower_bound == null || parseFloat(day) >= ibag._day_lower_bound)) {
finalDays_available.push(parseFloat(day).toFixed(0));
}
}
for (var i = 0; i < this.pricelists[79].terms.length; i++) {
var day = this.pricelists[79].terms[i];
if (ibag._extension_limit == null || parseFloat(day) <= ibag._extension_limit) {
finalExtDays.push(parseFloat(day).toFixed(0))
}
}
return {
'pricelist-amount-limit': ibag._visible_limit,
'pricelist-amount-hard-limit': ibag._available_limit,
'pricelist-amount-lower-bound': ibag._lowerbound,
'pricelist-day-limit': ibag._day_limit,
'pricelist-available-day-limit': ibag._available_day_limit,
'pricelist-income-verify-limit': ibag._income_verify_limit,
'pricelist-day-lower-bound': ibag._day_lower_bound,
'reject_message': ibag._reject_message,
amounts_available: finalAmounts_available,
amounts_visible: finalAmounts_visible,
terms: finalDays,
terms_available: finalDays_available,
extterms: finalExtDays,
slider_default: ibag._slider_default
}
},
prolongPermissionRules: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Prohibit prolonging If all products open
(function () {
// Group: Group
if ((bag[3251] == 1 && (bag[3252] == 1 && bag['3253'] == 1))) {
bag['prohibitProlong']('Has all products open');
bag['prohibitProlongToInstallment']('Has all products open');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: OLD VERSION OF PROLONGING=>HAS OPEN PD PROLONG TO CRL
(function () {
// Group: PD --> CRL FL BEFORE DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && ((((bag[802] < 31 && bag[2788] >= 50) && [1].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1) && bag[3252] == 0))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: PD --> CRL FL AFTER DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && (((((bag[802] > 0 && bag[802] < 31) && bag[2788] >= 50) && [1].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1) && bag[3252] == 0))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: PD --> CRL CL BEFORE DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && ((((bag[802] < 31 && bag[3252] == 0) && bag[2788] >= 50) && [0].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING to IL
(function () {
// Group: PDL
if ((bag['3141'] == 1 && ([1,3,4].indexOf(parseInt(bag['460'])) !== -1 && (bag['2788'] >= 50 && bag[802] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING IL -> IL
(function () {
// Group: IL
if ((bag['3141'] == 2 && ([1].indexOf(parseInt(bag[460])) !== -1 && (bag['2788'] >= 50 && bag[802] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING - TO CRL -> IL
(function () {
// Group: CRL
if ((bag['3141'] == 3 && ([17,1,4].indexOf(parseInt(bag[460])) !== -1 && (bag['2788'] >= 50 && bag['3353'] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
freshBagProlongPermissionRule: function (bag) {
var n = {
_loanProlongPermitted: false,
_loanProlongPermittedToPayday: false,
_loanProlongPermittedToInstallment: false,
_loanProlongPermittedToCreditline: false,
_errorMessage: null,
_errorMessageProlongToPayday: null,
_errorMessageProlongToInstallment: null,
_errorMessageProlongToCreditline: null,
_loanSettingId: null,
_feetypes: [],
allowProlong: function () {
this._loanProlongPermitted = true;
this._errorMessage = null;
},
allowProlongToPayday: function () {
this._loanProlongPermittedToPayday = true;
this._errorMessageProlongToPayday = null;
},
allowProlongToInstallment: function () {
this._loanProlongPermittedToInstallment = true;
this._errorMessageProlongToInstallment = null;
},
allowProlongToCreditline: function () {
this._loanProlongPermittedToCreditline = true;
this._errorMessageProlongToCreditline = null;
},
prohibitProlong: function (msg) {
this._loanProlongPermitted = false;
this._errorMessage = msg;
},
setLoanSettings: function (id) {
this._loanSettingId = id;
},
prohibitProlongToPayday: function (msg) {
this._loanProlongPermittedToPayday = false;
this._errorMessageProlongToPayday = msg;
},
prohibitProlongToInstallment: function (msg) {
this._loanProlongPermittedToInstallment = false;
this._errorMessageProlongToInstallment = msg;
},
prohibitProlongToCreditline: function (msg) {
this._loanProlongPermittedToCreditline = false;
this._errorMessageProlongToCreditline = msg;
},
feetypeToNewLoan: function (feetype, percentage, maxvalue) {
this._feetypes.push({ "feetype": feetype, "percentage": percentage, "maxvalue": maxvalue });
},
hasLoanOpenInAllLenders: function () {
return bag[-33];
},
isRequestForLoanFromPlaton: function () {
return bag["is-backend"] || false;
},
isRequestForLoanFromClientzone: function () {
return !bag["is-backend"];
},
};
for (var id in bag) {
if ((typeof bag[id] === 'string') && !isNaN(bag[id]) && isFinite(bag[id]) && typeof bag[id] !== "boolean") {
bag[id] = parseFloat(bag[id]);
}
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
evaluateProlongPermisson: function (bag) {
var ibag = this.freshBagProlongPermissionRule(bag);
var result = this.prolongPermissionRules.evaluate(ibag);
return {
'loan-prolong-permitted': ibag._loanProlongPermitted,
'loan-prolong-permitted-to-payday': ibag._loanProlongPermittedToPayday,
'loan-prolong-permitted-to-installment': ibag._loanProlongPermittedToInstallment,
'loan-prolong-permitted-to-creditline': ibag._loanProlongPermittedToCreditline,
'loan-prolong-error': ibag._errorMessage,
'loan-prolong-to-payday-error': ibag._errorMessageProlongToPayday,
'loan-prolong-to-installment-error': ibag._errorMessageProlongToInstallment,
'loan-prolong-to-creditline-error': ibag._errorMessageProlongToCreditline,
'prolong-loan-setting-id': ibag._loanSettingId,
'loan-feetype-mapping': ibag._feetypes
}
},
evaluateExtensionPromotions: function (now, bag, values) {
var ibag = {};
var result = null;
var existingpromo = null;
var percentpromo = null;
var percentpromos = [];
var usedPromotions = [];
if (bag['existing-promotions']) {
var existingPromos = bag['existing-promotions'].sort(function (a, b) {
return b.priority - a.priority;
});
ibag = this.freshBag(bag, null);
for (var i = 0; i < existingPromos.length; i++) {
existingpromo = existingPromos[i];
if (existingpromo['type'] == 'percent') {
percentpromo = {
'amount': parseFloat(existingpromo['amount']),
'id': existingpromo['promoId']
};
if (existingpromo['installmentIndex'] !== undefined) { // installment index can be 0 and then it wouldnt go in
percentpromo['installment_index'] = existingpromo['installmentIndex'] + 1; // + 1 because for promostaging the first installment is index 1 and not 0
}
if (!percentpromos[existingpromo['feeTypeId']]) {
percentpromos[existingpromo['feeTypeId']] = [];
}
percentpromos[existingpromo['feeTypeId']].push(percentpromo);
usedPromotions.push(existingpromo['promoId'].toString());
}
}
ibag['discounts_per'] = percentpromos;
this.fillDiscounts(ibag, values);
}
},
extensionPermissionRules: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: SET-3547 Allow ext for all
(function () {
// Group: Group
if (bag['1217'] !== null) {
bag['allowExtension']();
bag['exit']();
if (control.canceled) return;
} else {
bag['allowExtension']();
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Prohibit extension if force settledate is set
(function () {
// Group: Group 1
if ((bag['7560'] == 1 && bag['3141'] == 3)) {
bag['prohibitExtension']('force settledate set - no extension possible CFIT-3333');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Prohibit if early repayment
(function () {
// Group: Prohibit if early repayment
if (bag[5266] == 1) {
bag['prohibitExtension']('Early settle');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Remaining debt < 10 Euro
(function () {
// Group: Group
if (((bag[4102] > 0 && bag[4102] < 10) || bag[3353] > 60)) {
bag['prohibitExtension']('Fee limit reached');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Alow
(function () {
// Group: Group
if (true) {
bag['allowExtension']();
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
},
freshBag: function (bag, extensionPrice) {
var n = {
_loanExtensionPermitted: false,
_errorMessage: null,
allowExtension: function () {
this._loanExtensionPermitted = true;
this._errorMessage = null;
},
prohibitExtension: function (msg) {
this._loanExtensionPermitted = false;
this._errorMessage = msg;
}
};
for (var id in bag) {
if ((typeof bag[id] === 'string') && !isNaN(bag[id]) && isFinite(bag[id])) {
bag[id] = parseFloat(bag[id]);
}
if (!(id in n)) {
n[id] = bag[id];
}
}
n[-11] = extensionPrice;
return n;
}
},
evaluateExtension: function (bag) {
bag[-3] = bag[-3] || bag['loan-amount']
bag[-2] = bag[-2] || bag['loan-term']
bag[-1] = bag[-1] || bag['loan-extension-term']
var values = {
discounts_per: {},
discounts_amn: {},
extensions: {},
total_extension_term: 0,
prices: {},
feeRates: {},
discounts: {},
discounted: {}
}
var that = this;
var now = new Date().getTime();
var amn = parseFloat(bag[-3]).toFixed(2);
var term = parseFloat(bag[-2]).toFixed(0);
var extterm = parseFloat(bag[-1]).toFixed(0);
if (bag[-7] && (bag[-7] == '-1' || bag[-7] == '1')) {
aleg:
for (var id in this.pricelists) {
if (!('buildPrice' in this.pricelists[id])) {
if (!(amn in this.pricelists[id].data)) {
var pamn = '0.0';
for (var iamn in this.pricelists[id].data) {
if (parseFloat(iamn) > parseFloat(amn)) {
if (bag[-7] == '1') {
amn = iamn;
break aleg;
} else {
if (parseFloat(pamn) == 0.0) {
throw new Error('There is no smaller amount than ' + amn + ' to round down to for pricelist with id ' + id);
}
amn = pamn;
break aleg;
}
}
pamn = iamn;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '1') {
amn = pamn;
break aleg;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '-1') {
amn = pamn;
break aleg;
}
}
}
}
}
for (var id in this.pricelists) {
if (
id != 79
) {
continue;
}
if ('buildPrice' in this.pricelists[id]) {
var save = bag['pricelist_bag'];
bag['pricelist_bag'] = {};
for (var x in save) {
bag['pricelist_bag'][x] = save[x];
}
for (var x in bag) {
if (x != 'pricelist_bag') {
bag['pricelist_bag'][x] = bag[x];
}
}
var pricelist_bag = {};
for (var item in bag['pricelist_bag']) {
pricelist_bag[item] = bag['pricelist_bag'][item];
}
var pricelistResult = this.pricelists[id].buildPrice(amn, extterm, pricelist_bag);
var price = parseFloat(pricelistResult.price);
var feeRate = parseFloat(pricelistResult.rate);
values.prices[id] = price;
values.feeRates[id] = feeRate;
} else {
if (!this.pricelists[id].data) continue;
if (!(amn in this.pricelists[id].data)) {
throw new Error('Invalid Amount ' + amn + ' for pricelist with id ' + id);
}
if (!extterm in this.pricelists[id].data[amn]) {
throw new Error('Invalid Term ' + extterm + ' for pricelist with id ' + id + ' for amount ' + amn);
}
values.prices[id] = parseFloat(this.pricelists[id].data[amn][extterm]);
values.feeRates[id] = 0;
}
}
if ('existing-fees' in bag) {
for (var id in bag['existing-fees']) {
if (bag['existing-fees'][id].amount == 0) {
continue;
}
if (!values.prices[id]) {
values.prices[id] = 0;
}
values.prices[id] += bag['existing-fees'][id].amount;
}
}
this.evaluateExtensionPromotions(now, bag, values);
var details2 = { 'percent-discounts' : {}, 'amount-discounts' : {}, 'extensions': {}, original: {}, discount: {}, final: {} };
for (var id in values.prices) {
var feeType = null;
if (id in this.pricelists) {
feeType = this.pricelists[id].type;
} else if (id in bag['existing-fees']) {
feeType = bag['existing-fees'][id].type;
}
var discountPercentAr = values.discounts_per[id];
var discountPercent = 0;
if (discountPercentAr) {
details2['percent-discounts'][feeType] = discountPercentAr;
for (var i = 0; i < discountPercentAr.length; i++) {
discountPercent += parseFloat(discountPercentAr[i].amount);
}
}
var discountAmountAr = values.discounts_amn[id];
var discountAmount = 0;
if (discountAmountAr) {
details2['amount-discounts'][feeType] = discountAmountAr;
for (var i = 0; i < discountAmountAr.length; i++) {
discountAmount += parseFloat(discountAmountAr[i].amount);
}
}
var discount = Math.min(values.prices[id] * discountPercent / 100 + discountAmount, values.prices[id]);
var finalAmount = values.prices[id] - discount;
values.discounts[id] = parseFloat(discount.toFixed(2));
values.discounted[id] = parseFloat(finalAmount.toFixed(2));
details2.original[feeType] = values.prices[id];
details2.discount[feeType] = values.discounts[id];
details2.final[feeType] = values.discounted[id];
}
var ibag = null;
var extensionPrice = values.discounted[79];
ibag = this.extensionPermissionRules.freshBag(bag, extensionPrice);
this.extensionPermissionRules.evaluate(ibag);
var calc_loan_duedate = bag['loan_duedate'] ? new Date(Date.parse(bag['loan_duedate'])) : null;
if (calc_loan_duedate) {
var calc_loan_is_payday = bag['loan_is_payday'];
var calc_extension_permitted = ibag == null || (!ibag._errorMessage && ibag._loanExtensionPermitted);
var calc_term = parseInt(extterm);
var calc_duedate = null;
var calc_now = new Date();
var calc_late = calc_loan_duedate < calc_now;
var calc_actDuedate = calc_late ? calc_now : calc_loan_duedate;
if (calc_extension_permitted) {
calc_duedate = calc_actDuedate;
if (calc_loan_is_payday) {
calc_duedate.setDate(calc_duedate.getDate() + calc_term);
} else {
calc_duedate.setMonth(calc_duedate.getMonth() + calc_term);
}
calc_duedate = (calc_duedate.toISOString()).substr(0, 10);
}
}
return {
'loan-amount': bag[-3],
'loan-term': bag[-2],
'loan-extension-term': bag[-1],
'loan-extension-fees': values.discounted[79],
'loan-extension-duedate': calc_duedate,
'loan-extension-permitted': ibag._loanExtensionPermitted,
'loan-extension-error': ibag._errorMessage,
'loan-original-extension-fees': values.prices[79],
'loan-free-extension': values.total_extension_term,
details: details2,
};
},
evaluateInstallments: function (bag, promotions) {
function daysBetween(t1, t2) {
var oneDay = 24 * 60 * 60 * 1000;
return Math.round(Math.abs((t1.getTime() - t2.getTime())/oneDay));
}
function dateWithoutTime(date) {
var newdate = date ? new Date(date) : new Date();
newdate.setMinutes(0);
newdate.setHours(0);
newdate.setSeconds(0);
return newdate;
}
function getIntervalJson(interval) {
var yearsSplit = interval.split('y');
var monthsSplit = yearsSplit[1].split('m');
var daysSplit = monthsSplit[1].split('d');
return {
years: parseInt(yearsSplit[0]),
months: parseInt(monthsSplit[0]),
days: parseInt(daysSplit[0])
};
}
function getIntervalNewDate(paymentDate, interval) {
var intervalJson = getIntervalJson(interval);
var intervalNewDate = new Date(paymentDate);
intervalNewDate.setFullYear(paymentDate.getFullYear() + intervalJson.years);
intervalNewDate.setMonth(paymentDate.getMonth() + intervalJson.months);
intervalNewDate.setDate(paymentDate.getDate() + intervalJson.days);
return intervalNewDate;
}
function getMonthlyPaymentDate(date, bag) {
if (!bag || !bag['grace-period-days']) {
return date;
}
var monthlyPaymentDate = new Date(date);
monthlyPaymentDate.setDate(date.getDate() + parseInt(bag['grace-period-days']));
return monthlyPaymentDate;
}
function getNextPaymentDate(paymentDate, targetDay, bag) {
if (bag && 'use-interval' in bag && bag['use-interval']) {
return getIntervalNewDate(paymentDate, bag['interval']);
}
var followingMonth, followingYear, lastOfFollowingMonth, newDate;
if (paymentDate.getMonth() === 11) {
followingMonth = 0;
followingYear = paymentDate.getFullYear() + 1;
} else {
followingMonth = paymentDate.getMonth() + 1;
followingYear = paymentDate.getFullYear();
}
lastOfFollowingMonth = new Date(followingYear, followingMonth + 1, 0);
newDate = dateWithoutTime(paymentDate);
if(lastOfFollowingMonth.getDate() < targetDay) {
newDate.setMonth(lastOfFollowingMonth.getMonth());
newDate.setDate(0);
} else {
newDate.setMonth(paymentDate.getMonth() + 1);
newDate.setDate(targetDay);
}
return newDate;
}
function calcPromotionDiscount(feeAmount, feeTypeId, currentInstallmentIndex, promotions) {
var totalReduc = 0;
if (promotions.discounts_per[feeTypeId]) {
var promos = promotions.discounts_per[feeTypeId];
for (var i = 0; i < promos.length; i++) {
var p = promos[i];
var a = (p.amount / 100) * feeAmount;
if (p.installment_index - 1 === currentInstallmentIndex) {
totalReduc += a;
} else if (p.installment_index === undefined) {
totalReduc += a;
}
}
}
if (promotions.discounts_amn[feeTypeId]) {
var promos = promotions.discounts_amn[feeTypeId];
for (var z = 0; z < promos.length; z++) {
var p = promos[z];
if (! ('used' in p)) {
p.used = 0;
}
var a = Math.min(p.amount - p.used, feeAmount - totalReduc);
if (p.installment_index - 1 === currentInstallmentIndex) {
totalReduc += a;
} else if (p.installment_index === undefined) {
totalReduc += a;
}
p.used += a;
};
}
return Math.max(0, (feeAmount - totalReduc));
}
var amount = parseFloat(bag['loan-amount']);
var term = parseFloat(bag['loan-term']);
var commission_rate = parseFloat(bag['creditline-percent-creditline']) / 100 / 360;
var fallback_rate = parseFloat(bag['creditline-percent-creditline-fallback']) / 100 / 360;
var principal_repay_rate = bag['creditline-percent-principal-repay'];
var interest_rate = parseFloat(bag['interest-rate']) / 100 / 360;
var interest_rate_full = parseFloat(bag['interest-rate']);
var min_repay_amount = parseFloat(bag['creditline-min-monthly-payment']);
var use_equal_principal_distribution = bag['use-equal-principal-distribution'];
var frontend_calculate_sample_term = bag['frontend-calculate-sample-term'];
var now = bag['loan-issue-date'];
var paymentDate = dateWithoutTime(now);
var oldDate = dateWithoutTime(now);
var sampleTermDate = dateWithoutTime(now);
var schedule = [];
var remaining_amount = amount;
var commission_carry_over = 0;
var interest_carry_over = 0;
var repayment;
var recalc3 = 0;
if (bag['-42']) {
bag['-42'].forEach(function (version) {
if (version.product_id == 3) {
recalc3 = version.recalc_version;
}
});
}
// adapt repayment interval
if (bag['first-installment-date']) {
paymentDate = dateWithoutTime(bag['first-installment-date']);
} else {
paymentDate = getNextPaymentDate(paymentDate, paymentDate.getDate(), bag);
}
// set sample term date
if (frontend_calculate_sample_term && frontend_calculate_sample_term != '0y0m0d') {
sampleTermDate = getIntervalNewDate(sampleTermDate, frontend_calculate_sample_term);
} else {
sampleTermDate = null;
}
var target_day = paymentDate.getDate();
for (var i = 0; i < term; i += 1) {
if (i == (term - 1) && sampleTermDate !== null) {
if (sampleTermDate > paymentDate) {
term++;
} else {
paymentDate = sampleTermDate;
}
}
var days = daysBetween(oldDate, paymentDate),
fallback = Math.floor((fallback_rate * amount * days) * 100) / 100,
interest = Math.floor((interest_rate * remaining_amount * days) * 100) / 100,
commission = Math.floor((commission_rate * amount * days) * 100) / 100,
principal = use_equal_principal_distribution ?
Math.floor((amount / term) * 100) / 100 :
Math.floor(principal_repay_rate * remaining_amount) / 100,
total_payment,
old_year_days,
new_year_days,
schedule_entry;
if (recalc3 > 3) {
if (paymentDate.getFullYear() > oldDate.getFullYear()) {
old_year_days = daysBetween(new Date(oldDate.getFullYear(), 0, 1), new Date(oldDate.getFullYear() + 1, 0, 1));
new_year_days = daysBetween(new Date(paymentDate.getFullYear(), 0, 1), new Date(paymentDate.getFullYear() + 1, 0, 1));
var installment_days_in_old_year = daysBetween(oldDate, new Date(oldDate.getFullYear() + 1, 0, 1)) + 1,
installment_days_in_new_year = daysBetween(new Date(paymentDate.getFullYear(), 0, 1), paymentDate) - 1;
interest = Math.floor(
(
(remaining_amount * (interest_rate_full / 100 / old_year_days
* installment_days_in_old_year
))
+
(remaining_amount * (interest_rate_full / 100 / new_year_days
* installment_days_in_new_year
))
) * 100)
/ 100;
fallback = Math.floor(
(
(parseFloat(bag['creditline-percent-creditline-fallback']) / 100 / old_year_days
* amount * installment_days_in_old_year
)
+
(parseFloat(bag['creditline-percent-creditline-fallback']) / 100 / new_year_days
* amount * installment_days_in_new_year
)
) * 100)
/ 100;
commission = Math.floor(
(
(parseFloat(bag['creditline-percent-creditline']) / 100 / old_year_days
* amount * installment_days_in_old_year
)
+
(parseFloat(bag['creditline-percent-creditline']) / 100 / new_year_days
* amount * installment_days_in_new_year
)
) * 100)
/ 100;
} else {
old_year_days = daysBetween(new Date(oldDate.getFullYear(), 0, 1), new Date(oldDate.getFullYear() + 1, 0, 1));
interest = Math.floor(remaining_amount * (interest_rate_full / 100 / old_year_days * days) * 100) / 100;
fallback = Math.floor(parseFloat(bag['creditline-percent-creditline-fallback']) / 100 / old_year_days * amount * days * 100) / 100;
commission = Math.floor(parseFloat(bag['creditline-percent-creditline']) / 100 / old_year_days * amount * days * 100) / 100;
}
}
commission_carry_over += commission - (Math.floor(commission * 100) / 100);
interest_carry_over += (interest_rate * remaining_amount * days) - interest;
if (recalc3 == 0) {
if (commission_carry_over >= 0.01) {
commission_carry_over -= 0.01;
commission += 0.01;
}
if (interest_carry_over >= 0.01) {
interest_carry_over -= 0.01;
interest += 0.01;
}
}
if (fallback > (interest + commission)) {
commission = fallback;
interest = 0;
}
total_payment = commission + interest + principal;
if (total_payment < min_repay_amount) {
principal = Math.min(principal + (min_repay_amount - total_payment), remaining_amount);
} else if (i == term - 1) {
principal = remaining_amount;
}
if (interest > 0 && bag['additional-interest-per-installment'] && !isNaN(bag['additional-interest-per-installment'])) {
interest += parseFloat(bag['additional-interest-per-installment']);
}
schedule_entry = {
date: paymentDate,
monthlyPaymentDate: getMonthlyPaymentDate(paymentDate, bag),
original: {
78: principal,
77: commission,
83: interest
},
discounted: {
78: principal,
77: calcPromotionDiscount(commission, 77, i, promotions),
83: calcPromotionDiscount(interest, 83, i, promotions),
},
discounts: {}
};
schedule_entry.payment = schedule_entry.discounted[78] +
schedule_entry.discounted[77] +
schedule_entry.discounted[83];
schedule_entry.discounts[78] = parseFloat(schedule_entry.original[78] - schedule_entry.discounted[78]);
schedule_entry.discounts[77] = parseFloat(schedule_entry.original[77] - schedule_entry.discounted[77]);
schedule_entry.discounts[83] = parseFloat(schedule_entry.original[83] - schedule_entry.discounted[83]);
schedule.push(schedule_entry);
oldDate = new Date(paymentDate);
paymentDate = getNextPaymentDate(paymentDate, target_day, bag);
remaining_amount -= principal;
}
return {
schedule: schedule
};
},
calculateAPR: function (startAmount, values) {
var PRECISION = 0.00001;
var MAX_ATTEMPTS = 1000;
var bsMinB = -0.999999999999;
var bsMaxB = 2000000000;
var principal = startAmount;
var attempts = 0;
var repaymentTotal = 0;
var APRRate = 1;
while (Math.abs(repaymentTotal - principal) > PRECISION) {
if (attempts >= MAX_ATTEMPTS || (bsMaxB == bsMinB) && (bsMaxB == APRRate)) {
return NaN;
}
attempts++;
if (attempts > 1) {
if (repaymentTotal < principal) {
bsMaxB = APRRate;
} else {
bsMinB = APRRate;
}
APRRate = bsMaxB - (bsMaxB - bsMinB) / 2;
}
repaymentTotal = 0;
for (var i = 0; i < values.length; i++) {
var rt = Math.pow(1 + APRRate, (i + 1) / 12); // 12 = compounding period
repaymentTotal += values[i].payment / rt;
}
}
return APRRate * 100;
},
DaysBetween: function(date1, date2) {
var oneDay = 24*60*60*1000;
return Math.round(Math.abs((date1.getTime() - date2.getTime())/oneDay));
},
XNPV: function(rate, values, daysInYear) {
var payment_fee_percentage = 0.00 / 100;
var xnpv = 0.0;
var firstDate = new Date(values[0].date);
for (var i = 0, max = values.length; i < max; i += 1) {
var tmp = values[i];
var value;
if (tmp.payment < 0) {
value = tmp.payment * (1 - payment_fee_percentage);
} else {
value = tmp.payment * (1 + payment_fee_percentage);
}
var date = new Date(tmp.date);
xnpv += value / Math.pow(1 + rate, this.DaysBetween(firstDate, date)/daysInYear);
}
return xnpv;
},
aprForPayday: function(initialAmount, term, toRepay, daysInYear) {
var payment_fee_percentage = 0.00 / 100;
return Math.round((Math.pow(toRepay * (1 + payment_fee_percentage) / (initialAmount * (1 - payment_fee_percentage)), daysInYear / term) - 1) * 10000) / 100;
},
arForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round(price / initialAmount * (daysInYear / term) * 10000) / 100;
},
rpyForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term * daysInYear) * 10000) / 100;
},
rpmForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term * daysInYear / 12) * 10000) / 100;
},
rpdForPayday: function (initialAmount, term, toRepay) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term) * 10000) / 100;
},
XIRR: function(initialAmount, values, guess, forcePayoutDate, daysInYear) {
if (!guess) guess = 0.1;
var payoutDate = forcePayoutDate ? new Date(forcePayoutDate) : new Date();
payoutDate.setMinutes(0);
payoutDate.setHours(0);
payoutDate.setSeconds(0);
values = values.slice(0);
values.unshift({payment:-initialAmount, date:payoutDate});
var x1 = 0.0;
var x2 = guess;
var f1 = this.XNPV(x1, values, daysInYear);
var f2 = this.XNPV(x2, values, daysInYear);
for (var i = 0; i < 100; i++) {
if ((f1 * f2) < 0.0) break;
if (Math.abs(f1) < Math.abs(f2)) {
f1 = this.XNPV(x1 += 1.6 * (x1 - x2), values, daysInYear);
} else {
f2 = this.XNPV(x2 += 1.6 * (x2 - x1), values, daysInYear);
}
};
if ((f1 * f2) > 0.0) return null;
var f = this.XNPV(x1, values, daysInYear);
if (f < 0.0) {
var rtb = x1;
var dx = x2 - x1;
} else {
var rtb = x2;
var dx = x1 - x2;
};
for (var i = 0; i < 100; i++) {
dx *= 0.5;
var x_mid = rtb + dx;
var f_mid = this.XNPV(x_mid, values, daysInYear);
if (f_mid <= 0.0) rtb = x_mid;
if ((Math.abs(f_mid) < 1.0e-6) || (Math.abs(dx) < 1.0e-6)) return Math.max(0, x_mid * 100);
};
return null;
},
rpyForInstallment: function (interestRate) {
return interestRate;
},
rpmForInstallment: function (interestRate) {
return interestRate / 12;
},
rpdForInstallment: function (interestRate, daysInYear) {
return interestRate / daysInYear;
},
// add base functions
fillDiscounts: function (ibag, values) {
for (var id in ibag.discounts_per) {
if (!(id in values.discounts_per)) {
values.discounts_per[id] = [];
}
for (var i = 0; i < ibag.discounts_per[id].length; i++) {
values.discounts_per[id].push(ibag.discounts_per[id][i]);
}
}
for (var id in ibag.discounts_amn) {
if (!(id in values.discounts_amn)) {
values.discounts_amn[id] = [];
}
for (var i = 0; i < ibag.discounts_amn[id].length; i++) {
values.discounts_amn[id].push(ibag.discounts_amn[id][i]);
}
}
if (!('designations' in values)) {
values.designations = {};
}
for (var promo_id in ibag.designations) {
values.designations[promo_id] = ibag.designations[promo_id];
}
for (var promo_id in ibag.customer_data) {
if (!('customer_data' in values)) {
values.customer_data = {};
}
values.customer_data[promo_id] = ibag.customer_data[promo_id];
}
var totalTerm = 0;
for (var i = 0; i < ibag.extensions.length; i++) {
var promo_id = ibag.extensions[i].id;
if (!(promo_id in values.extensions)) {
values.extensions[promo_id] = 0;
}
values.extensions[promo_id] += ibag.extensions[i].term;
values.total_extension_term += ibag.extensions[i].term;
}
},
round: function (value, interval, mode) {
var returnValue = null;
var value = value / interval;
switch (mode) {
case 0: //FUNCTION_ROUND_FLOOR
returnValue = Math.floor(value);
break;
case 1: //FUNCTION_ROUND_CEIL
returnValue = Math.ceil(value);
break;
case 3: //FUNCTION_ROUND_HALF_DOWN
returnValue = -Math.round(-value);
break;
case 2: //FUNCTION_ROUND_HALF_UP
returnValue = Math.round(value);
break;
}
return returnValue ? returnValue / (1 / interval) : returnValue;
},
freshBag: function (bag, promo_id) {
var that = this;
var n = {
discounts_per: {},
discounts_amn: {},
extensions: [],
designations: {},
customer_data: {},
addInstallmentPromotionPercent: function (feetype, amount, installment_index) {
if (!(feetype in this.discounts_per)) {
this.discounts_per[feetype] = [];
}
this.discounts_per[feetype].push({ amount: amount, id: promo_id, installment_index: installment_index });
},
addInstallmentPromotion: function (feetype, amount, installment_index) {
if (!(feetype in this.discounts_amn)) {
this.discounts_amn[feetype] = [];
}
this.discounts_amn[feetype].push({ amount: amount, id: promo_id, installment_index: installment_index });
},
addDiscountPercent: function (feetype, amount) {
if (!(feetype in this.discounts_per)) {
this.discounts_per[feetype] = [];
}
this.discounts_per[feetype].push({ amount: amount, id: promo_id });
},
addDiscount: function (feetype, amount) {
if (!(feetype in this.discounts_amn)) {
this.discounts_amn[feetype] = [];
}
this.discounts_amn[feetype].push({ amount: amount, id: promo_id });
},
setDesignation: function (designation) {
this.designations[promo_id] = designation;
},
addFreeExtension: function (term) {
this.extensions.push({ term: term, id: promo_id });
},
getCustomerData: function (type) {
if ('customer-data' in bag && type in bag['customer-data']) {
return bag['customer-data'][type];
} else {
return null;
}
},
setCustomerData: function (type, data) {
if (!(promo_id in this.customer_data)) {
this.customer_data[promo_id] = [];
}
this.customer_data[promo_id].push({ type: type, data: data });
},
round: that.round,
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
evaluateLoanPromotions: function (now, bag, values) {
var ibag = {};
var existingpromo = null;
var percentpromo = null;
var percentpromos = [];
var usedPromotions = [];
if (bag['existing-promotions']) {
var existingPromos = bag['existing-promotions'].sort(function (a, b) {
return b.priority - a.priority;
});
ibag = this.freshBag(bag, null);
for (var i = 0; i < existingPromos.length; i++) {
existingpromo = existingPromos[i];
if (existingpromo['type'] == 'percent') {
percentpromo = {
'amount': parseFloat(existingpromo['amount']),
'id': existingpromo['promoId']
};
if (existingpromo['installmentIndex'] !== undefined) { // installment index can be 0 and then it wouldnt go in
percentpromo['installment_index'] = existingpromo['installmentIndex'] + 1; // + 1 because for promostaging the first installment is index 1 and not 0
}
if (!percentpromos[existingpromo['feeTypeId']]) {
percentpromos[existingpromo['feeTypeId']] = [];
}
percentpromos[existingpromo['feeTypeId']].push(percentpromo);
usedPromotions.push(existingpromo['promoId'].toString());
}
}
ibag['discounts_per'] = percentpromos;
this.fillDiscounts(ibag, values);
}
var quit = false;
},
addPromotionResult: function (now, bag, values, start, end, id) {
var ibag = {};
var result = null;
if (start < now && now < end) {
ibag = this.freshBag(bag, id);
result = this.promotions[id].evaluate(ibag);
this.fillDiscounts(ibag, values);
return result.quit;
}
return false;
},
evaluate: function (bag) {
bag[-3] = bag[-3] || bag['loan-amount'];
bag[-2] = bag[-2] || bag['loan-term'];
var values = {
discounts_per: {},
discounts_amn: {},
extensions: {},
total_extension_term: 0,
prices: {},
feeRates: {},
discounts: {},
discounted: {},
prices_without_tax: {},
discounted_without_tax: {},
discounts_without_tax: {}
};
var that = this;
var now = new Date().getTime();
var amn = parseFloat(bag[-3]).toFixed(2);
var term = parseFloat(bag[-2]).toFixed(0);
var extterm = bag[-1] == undefined ? term : parseFloat(bag[-1]).toFixed(0);
// apr calculation is by default true, unless apr is set
var apr = bag[-13] == undefined ? true : bag[-13];
if (bag[-7] && (bag[-7] == '-1' || bag[-7] == '1')) {
aleg:
for (var id in this.pricelists) {
if (!('buildPrice' in this.pricelists[id])) {
if (!(amn in this.pricelists[id].data)) {
var pamn = '0.0';
for (var iamn in this.pricelists[id].data) {
if (parseFloat(iamn) > parseFloat(amn)) {
if (bag[-7] == '1') {
amn = iamn;
break aleg;
} else {
if (parseFloat(pamn) == 0.0) {
throw new Error('There is no smaller amount than ' + amn + ' to round down to for pricelist with id ' + id);
}
amn = pamn;
break aleg;
}
}
pamn = iamn;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '1') {
amn = pamn;
break aleg;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '-1') {
amn = pamn;
break aleg;
}
}
}
}
}
for (var id in this.pricelists) {
if ('buildPrice' in this.pricelists[id]) {
bag['pricelist_bag'] = bag['pricelist_bag'] || {};
for (var x in bag) {
if (x != 'pricelist_bag') {
bag['pricelist_bag'][x] = bag[x];
}
}
var pricelistResult = this.pricelists[id].buildPrice(amn, term, bag['pricelist_bag']);
values.prices[id] = pricelistResult.price;
values.feeRates[id] = pricelistResult.rate;
} else {
if (!(amn in this.pricelists[id].data)) {
throw new Error('Invalid Amount ' + amn + ' for pricelist with id ' + id);
}
if (!term in this.pricelists[id].data[amn]) {
throw new Error('Invalid Term ' + term + ' for pricelist with id ' + id + ' for amount ' + amn);
}
values.prices[id] = this.pricelists[id].data[amn][term];
values.feeRates[id] = 0;
}
if (this.pricelists[id].tax_percentage && this.pricelists[id].tax_percentage > 0) {
values.prices_without_tax[id] = (values.prices[id] / (1 + parseFloat(this.pricelists[id].tax_percentage))).toFixed(2);
}
}
var interest_rate = 48.00;
values.feeRates[83] = interest_rate;
values.feeRates[77] = 0.00;
this.evaluateLoanPromotions(now, bag, values);
var details2 = {
'percent-discounts': {},
'amount-discounts': {},
extensions: {},
original: {},
discount: {},
final: {},
tax_percentage: {},
without_tax: {
original: {},
final: {},
discount: {}
}
};
var subbag = {};
subbag['additional-interest-per-installment'] = bag['additional-interest-per-installment'];
subbag['first-installment-date'] = bag['first-installment-date'];
subbag['loan-amount'] = amn;
subbag['loan-term'] = term;
subbag['loan-fee'] = values.prices[77];
subbag['creditline-percent-creditline'] = 0.00;
subbag['creditline-percent-creditline-fallback'] = 0.00;
subbag['creditline-percent-principal-repay'] = 180.00;
subbag['creditline-percent-principal'] = 48.00;
subbag['creditline-min-monthly-payment'] = 0.00;
subbag['use-equal-principal-distribution'] = true;
subbag['frontend-calculate-sample-term'] = bag[-43] ? '0y0m0d' : null;
subbag['loan-issue-date'] = bag[-16] ? new Date(bag[-16]) : new Date();
if (bag['calculation-date']) {
subbag['loan-issue-date'] = new Date(bag['calculation-date']);
}
subbag['interval'] = '0y1m0d';
subbag['use-interval'] = false;
subbag['interest-rate'] = interest_rate;
subbag['grace-period-days'] = '';
if (bag[-42]) {
subbag[-42] = bag[-42];
}
var _pre_all_installments = this.evaluateInstallments(subbag, values).schedule;
var _all_installments = [];
var _all_installments_without_tax = [];
values.prices = {};
for (var i = 0, max = _pre_all_installments.length; i < max; i += 1) {
var inst = _pre_all_installments[i];
var ext_percent = 0;
var ext_amount = 0;
if (79 in values.discounts_per) {
for (var di = 0; di < values.discounts_per[79].length; di++) {
ext_percent += values.discounts_per[79][di].amount;
}
}
if (79 in values.discounts_amn) {
for (var di = 0; di < values.discounts_amn[79].length; di++) {
ext_percent += values.discounts_amn[79][di].amount;
}
}
var discount = Math.min(inst[79] * ext_percent / 100 + ext_amount, inst[79]);
inst.original[79] = inst[79];
inst.discounts[79] = discount;
inst.discounted[79] = inst.original[79] - discount;
var installment = {
date: inst.date,
monthlyPaymentDate: inst.monthlyPaymentDate,
payment: inst.payment,
original: {
principal: inst.original[78],
interest: inst.original[83],
commission: inst.original[77],
},
principal: inst.discounted[78],
interest: inst.discounted[83],
commission: inst.discounted[77]
};
var installment_without_tax = {
date: inst.date,
monthlyPaymentDate: inst.monthlyPaymentDate,
payment: inst.payment,
original: {
principal: inst.original[78] / (1 + (this.pricelists[78] && this.pricelists[78].tax_percentage ? parseFloat(this.pricelists[78].tax_percentage) : 0 )),
interest: inst.original[83] / (1 + parseFloat(0.000)),
commission: inst.original[77] / (1 + (this.pricelists[77] && this.pricelists[77].tax_percentage ? parseFloat(this.pricelists[77].tax_percentage): 0 ))
},
principal: inst.discounted[78] / (1 + (this.pricelists[78] && this.pricelists[78].tax_percentage ? parseFloat(this.pricelists[78].tax_percentage) : 0 )),
interest: inst.discounted[83] / (1 + parseFloat(0.000)),
commission: inst.discounted[77] / (1 + (this.pricelists[77] && this.pricelists[77].tax_percentage ? parseFloat(this.pricelists[77].tax_percentage) : 0))
};
installment_without_tax.payment = installment_without_tax.principal + installment_without_tax.interest + installment_without_tax.commission;
_all_installments.push(installment);
_all_installments_without_tax.push(installment_without_tax);
for (var id in inst.original) {
if (!isNaN(id)) {
if (!(id in values.discounted)) {
values.discounted[id] = 0;
}
values.discounted[id] += inst.discounted[id];
if (!(id in values.prices)) {
values.prices[id] = 0;
}
values.prices[id] += inst.original[id];
if (!(id in values.discounts)) {
values.discounts[id] = 0;
}
values.discounts[id] += inst.discounts[id];
}
}
}
var loan_total = values.discounted[78] + values.discounted[77] + values.discounted[83];
var loan_total_without_tax = (values.discounted_without_tax[78] || values.discounted[78]) + (values.discounted_without_tax[77] || values.discounted[77]);
for (var id in values.prices) {
var discountPercentAr = values.discounts_per[id];
var name = '';
if (id in this.pricelists) {
name = this.pricelists[id].type;
} else if (id == 83) {
name = 'interest-fee';
} else if (id == 77) {
name = 'loan-fee';
}
if (discountPercentAr) {
details2['percent-discounts'][name] = discountPercentAr;
}
var discountAmountAr = values.discounts_amn[id];
if (discountAmountAr) {
details2['amount-discounts'][name] = discountAmountAr;
}
if (values.prices_without_tax[id]) {
values.discounted_without_tax[id] = parseFloat((values.discounted[id] / (1 + parseFloat(this.pricelists[id].tax_percentage))).toFixed(2));
values.discounts_without_tax[id] = parseFloat((values.prices_without_tax[id] - values.discounted_without_tax[id]).toFixed(2));
}
}
var creditLimitResult = null;
for (var id in values.prices) {
var name = '';
if (id in this.pricelists) {
name = this.pricelists[id].type;
} else if (id == 83) {
name = 'interest-fee';
} else if (id == 77) {
name = 'loan-fee';
}
details2.original[name] = values.prices[id];
details2.discount[name] = values.discounts[id];
details2.final[name] = values.discounted[id];
details2.without_tax.original[name] = values.prices_without_tax[id] || values.prices[id];
details2.without_tax.discount[name] = values.discounts_without_tax[id] || values.discounts[id];
details2.without_tax.final[name] = values.discounted_without_tax[id] || values.discounted[id];
if (id in this.pricelists) {
details2.tax_percentage[name] = parseFloat(this.pricelists[id].tax_percentage || 0);
details2.without_tax.original[name] = values.prices_without_tax[id] || values.prices[id];
details2.without_tax.discount[name] = values.discounts_without_tax[id] || values.discounts[id];
details2.without_tax.final[name] = values.discounted_without_tax[id] || values.discounted[id];
} else {
var interest_tax_percantage = parseFloat(0.000);
details2.tax_percentage[name] = parseFloat(interest_tax_percantage || 0);
details2.without_tax.original[name] = parseFloat(values.prices[id] / (1 + interest_tax_percantage)).toFixed(2);
details2.without_tax.discount[name] = parseFloat(values.discounts[id] / (1 + interest_tax_percantage)).toFixed(2);
details2.without_tax.final[name] = parseFloat(values.discounted[id] / (1 + interest_tax_percantage)).toFixed(2);
}
}
if ((bag[-15] || false) == false) {
delete details2.without_tax;
delete details2.tax_percentage;
}
var ret = {
'loan-amount': bag[-3],
'loan-term': bag[-2],
'loan-repay-amount': values.discounted[78],
'loan-fees': values.discounted[77],
'loan-original-fees': values.prices[77],
'loan-total': loan_total,
'loan-free-extension': values.total_extension_term,
'loan-interest-fees': values.discounted['83'],
'loan-original-interest-fees': values.prices['83'],
'creditline-percent-principal-repay-month': 0.1500000000,
'creditline-percent-principal-month': 0.0400000000,
'creditline-percent-creditline-month': 0.0000000000,
'creditline-percent-creditline-fallback-month': 0.0000000000,
'creditline-min-monthly-payment': 0.00,
'creditline-annual-interest-rate': (values.feeRates[83]/ 100).toFixed(10),
'creditline-monthly-interest-rate': (values.feeRates[83]/ 100 / 12).toFixed(10),
details: details2,
installments: _all_installments,
installments_without_tax: _all_installments_without_tax,
'loan-duedate': _all_installments[_all_installments.length - 1].date
};
if (apr == true) {
var daysInYear = 365;
var forcePayoutDate = bag["calculation-date"] ? bag["calculation-date"] : bag[-16] ? bag[-16] : null;
ret['loan-apr'] = this.XIRR(parseFloat(bag[-3]), ((bag[-15] || false) == false) ? _all_installments : _all_installments_without_tax, null, forcePayoutDate, daysInYear);
}
if (values.customer_data) {
ret['customer-data'] = values.customer_data;
}
if (values.feeRates) {
ret['fee-rates'] = values.feeRates;
}
if (creditLimitResult) {
ret['loan-credit-limit'] = creditLimitResult.limit;
}
return ret;
},
additional_data: {
distribute_equal: true,
},
fields: {
460: 'Status',
799: 'Loan count',
802: 'Delay',
1217: 'Id',
2438: 'Is First Loan',
2538: 'Verification Mode',
2788: 'Open principal',
3141: 'Product',
3251: 'Has Open Payday Loan',
3252: 'Has Open Creditline',
3253: 'Has Open Installment Loan',
3256: 'Next installment remaining debt',
3353: 'Installment Delay',
4102: 'Late installment remaining debt (w/o LF)',
5266: 'is active early settlement',
6054: 'Last Instantor Succesful Verification',
7560: 'is_force_settled',
},
dateValidationDefinition: 
{
evaluate: function (bag) {
var control = { canceled: false, quit: false };
(function () {
bag["isValid"]();
})();
return control;
},
freshBag: function (bag, date_to_check) {
var n = {
date_to_check: date_to_check,
holidays: [],
valid: false,
confirmDate: function (checkDate) {
var resultDate = null;
if (checkDate === null) {
checkDate = "1900-01-01";
}
// Check if it is a correct Date object
if (checkDate instanceof Date && !isNaN(checkDate.getMonth())) {
resultDate = checkDate;
}
if (typeof checkDate === 'string') {
resultDate = new Date(checkDate);
// Check if it is a correct date
if (isNaN(resultDate.getMonth())) {
resultDate = new Date("1900-01-01");
}
}
if (resultDate === null) {
resultDate = new Date("1900-01-01");
}
resultDate = new Date(this.getDateToString(resultDate));
resultDate.setMinutes(resultDate.getMinutes() + resultDate.getTimezoneOffset());
return resultDate;
},
getDateToString: function (date) {
return date.getFullYear() + '-' + ("0" + (date.getMonth() + 1 )).slice(-2) + '-' + ("0" + date.getDate()).slice(-2);
},
getValidDateToString: function () {
if (!this.valid) {
return null;
}
var date = this.confirmDate(this.date_to_check);
return this.getDateToString(date);
},
getDay: function () {
var date = this.confirmDate(this.date_to_check);
return date.getDate();
},
getMonth: function () {
var date = this.confirmDate(this.date_to_check);
// date.getMonth is 0-indexed
return (date.getMonth() + 1);
},
getYear: function () {
var date = this.confirmDate(this.date_to_check);
return date.getFullYear();
},
getDayOfWeek: function () {
var date = this.confirmDate(this.date_to_check);
return date.getDay();
},
daysInCurrentMonth: function () {
var date = this.confirmDate(new Date());
return new Date(date.getFullYear(), date.getMonth() + 1, 0).getDate();
},
isHoliday: function () {
var date = this.confirmDate(this.date_to_check);
for(var i = 0; i < this.holidays.length; ++i) {
holiday = this.confirmDate(this.holidays[i]);
if (Date.parse(date) === Date.parse(holiday)) {
return true;
}
}
return false;
},
daysFromNow: function () {
var now = this.confirmDate(new Date());
var dateToCheck = this.confirmDate(this.date_to_check);
var diff = Date.UTC(now.getFullYear(), now.getMonth(), now.getDate()) - Date.UTC(dateToCheck.getFullYear(), dateToCheck.getMonth(), dateToCheck.getDate());
return (Math.floor(diff / (24 * 60 * 60 * 1000)) * -1);
},
isValid: function () {
this.valid = true;
}
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
getRange: function (wished_range) {
var max_range = 50;
if (wished_range === null || wished_range > max_range || wished_range < 1) {
return max_range;
}
return wished_range;
},
getOffset: function (wished_offset) {
var min_offset = 0;
if (wished_offset === null || wished_offset < min_offset) {
return min_offset;
}
return wished_offset;
},
getValidDates: function (bag, offset, range) {
range = this.getRange(range);
var date = new Date();
date.setDate(date.getDate() + parseInt(this.getOffset(offset)));
var validDays = [];
for (var i = 0; i < range; i++) {
var _date = new Date(date);
_date.setDate(_date.getDate() + i);
var ibag = this.freshBag(bag, _date);
this.evaluate(ibag);
if (ibag.valid) {
validDays.push(ibag.getValidDateToString());
}
}
return validDays;
},
},
calculateCreditLimitPayoutFees: function(bag) {
return this.evaluate(bag);
},
},
payday: {
pricelists: {
'77': {
type: 'loan-fee',
fee_type_id: '77',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
(bag['setAmountRange'](50, 215, 5) * bag['setTermRange'](7, 30, 1));
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
vars['am'] = bag['getAmount']();
if (control.canceled) return;
vars['loanterm'] = bag['getTerm']();
if (control.canceled) return;
vars['final'] = ((vars['am'] * 0.0029333333) * vars['loanterm']);
if (control.canceled) return;
bag['setPrice'](vars['final']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
'78': {
type: 'principal',
fee_type_id: '78',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
(bag['setAmountRange'](50, 215, 5) * bag['setTermRange'](7, 30, 1));
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Group
if (true) {
vars['am'] = bag['getAmount']();
bag['setPrice'](vars['am']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
'79': {
type: 'extension-fee',
fee_type_id: '79',
tax_percentage: '0.000',
data: {},
dimension: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Set dimensions
(function () {
// Group: Group
if (true) {
bag['setAmountRange'](5, 700, 5);
if (control.canceled) return;
bag['setTermRange'](30, 30, 30);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
price: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Variables
(function () {
// Group: Group
if (bag[799] == 0) {
vars['finalprice'] = (bag[-3] * 0.075);
vars['tterm'] = bag['getTerm']();
if (control.canceled) return;
} else {
vars['sumdisc'] = (bag[2789] - bag[4054]);
if (control.canceled) return;
vars['maxprice'] = (bag[-3] * 0.075);
if (control.canceled) return;
vars['temprice'] = ((bag[-3] * 0.06) + vars['sumdisc']);
if (control.canceled) return;
vars['check'] = (vars['maxprice'] - vars['temprice']);
if (control.canceled) return;
vars['tterm'] = bag['getTerm']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: First ext check
if ((vars['check'] <= 0 && (bag[3626] == 0 && bag[799] != 0))) {
vars['finalprice'] = vars['maxprice'];
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: First ext check
if ((vars['check'] > 0 && (bag[3626] == 0 && bag[799] != 0))) {
vars['finalprice'] = vars['temprice'];
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Next ext check
if ((bag[3626] != 0 && bag[799] != 0)) {
vars['finalprice'] = (bag[-3] * 0.06);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Term check
(function () {
// Group: Group
if (vars['tterm'] == 30) {
bag['setPrice'](vars['finalprice']);
if (control.canceled) return;
} else {
vars['finalprice'] = (vars['finalprice'] / 2);
bag['setPrice'](vars['finalprice']);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
buildDimension: function (bag = {}) {
if (!this.amounts) {
var amounts = [];
var terms = [];
bag = Object.assign({
setAmountRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (amounts.indexOf(i) === -1) {
amounts.push(i);
}
}
},
setTermRange: function (min, max, step) {
if (!Number.isInteger(min) || !Number.isInteger(max) || !Number.isInteger(step) || step <= 0 || min > max) {
throw new Error('Parameters provided are not defined or have a wrong value');
}
for (var i = min; i <= max; i += step) {
if (terms.indexOf(i) === -1) {
terms.push(i);
}
}
}
}, bag);
this.dimension.evaluate(bag);
amounts.sort(function (a, b) { return a - b; });
terms.sort(function (a, b) { return a - b; });
this.amounts = amounts;
this.terms = terms;
}
return { amounts: this.amounts, terms: this.terms };
},
buildPrice: function (amount, term, pricelist_bag) {
var price = null;
var rate = 0;
var pricebag = pricelist_bag || {};
pricebag.getAmount = function () {
return parseFloat(amount);
};
pricebag.getTerm = function () {
return parseFloat(term);
};
pricebag.setPrice = function (data) {
price = data;
};
pricebag.setRate = function (data) {
rate = data;
};
pricebag.parseFloat = parseFloat;
this.price.evaluate(pricebag);
return {
price: parseFloat(price).toFixed(2),
rate: parseFloat(rate).toFixed(10)
};
}
},
},
additional_payout_pricelist: {
type: 'additional-payout-fee',
fee_type_id: '77',
tax_percentage: '0.000',
amounts: ["10.00","20.00","30.00","40.00","50.00","60.00","70.00","80.00","90.00","100.00","110.00","120.00","130.00","140.00","150.00","160.00","170.00","180.00","190.00","200.00","210.00","220.00","230.00","240.00","250.00","260.00","270.00","280.00","290.00","300.00","310.00","320.00","330.00","340.00","350.00","360.00","370.00","380.00","390.00","400.00","410.00","420.00","430.00","440.00","450.00","460.00","470.00","480.00","490.00","500.00"],
terms: ["7","8","9","10","11","12","13","14","15","16","17","18","19","20","21","22","23","24","25","26","27","28","29","30"],
data: 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},
fee_types: {
77: 'loan_fee',
78: 'principal',
79: 'extension_fee',
80: 'penalty',
81: 'late_fee',
82: 'payout_fee',
83: 'interest_fee',
87: 'cash_fee',
258: 'late_fee_delay',
260: 'late_fee_delay',
262: 'late_fee_delay',
333: 'court_fee',
359: 'sale_fee',
460: 'late_fee_delay',
465: 'court_fee',
},
promotions: {
},
loanlimit: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Stage
(function () {
// Group: Income Verify Limit
if ((bag[799] == 0 && (toDate(bag[6054]).getTime() < (1714205011131-7776000000) || [4].indexOf(parseInt(bag[2538])) === -1))) {
bag['setIncomeVerifyLimit'](1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] > 0) {
bag['setIncomeVerifyLimit'](1);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (bag[799] >= 0) {
bag['setAvailableLimit'](500);
bag['setVisibleLimit'](500);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
freshBagLimit: function (bag) {
var n = {
_available_limit: null,
_day_lower_bound: null,
_visible_limit: null,
_day_limit: null,
_available_day_limit: null,
_lowerbound: null,
_income_verify_limit: null,
_reject_message: null,
_slider_default: null,
setSliderDefault: function (amount, term, product) {
if (Number.isInteger(amount) && Number.isInteger(term) && Number.isInteger(product)) {
this._slider_default = {
"amount" : parseFloat(amount).toFixed(2),
"term" : parseFloat(term).toFixed(0),
"default_product" : product
};
}
},
setIncomeVerifyLimit: function (limit) {
this._income_verify_limit = limit;
},
setLimit: function (limit) {
this._visible_limit = limit;
},
setVisibleLimit: function (limit) {
this._visible_limit = limit;
},
setAvailableLimit: function (limit) {
this._available_limit = limit;
},
setHardLimit: function (limit) {
this._available_limit = limit;
},
getRegistrationField: function (field) {
return this[field] || 0;
},
getAmount: function () {
return bag[-3];
},
getMaximumRepayableAmount: function () {
return bag[-22];
},
setDayLowerBound: function (amount) {
this._day_lower_bound = amount;
},
setDayLimit: function (limit) {
this._day_limit = limit;
},
setAvailableDayLimit: function (limit) {
this._available_day_limit = limit;
},
setInstallmentsCount: function (limit) {
this._day_limit = limit;
},
getInstallmentsCount: function (limit) {
return this._day_limit;
},
setRejectLoan: function (message) {
this._reject_message = message;
},
setExtensionLimit: function (limit) {
this._extension_limit = limit;
},
setLowerBound: function (limit) {
this._lowerbound = limit;
},
getMonthlyPayment: function (initialPrincipal, annualInterestRate, term) {
var annualInterestRate = annualInterestRate / 100;
var monthlyInterestRate = annualInterestRate / 12;
var divident = initialPrincipal * monthlyInterestRate;
var divisor = 1 - (1 / Math.pow((1 + monthlyInterestRate), term));
return divident / divisor;
},
getOverpaymentCoefficient: function (annualInterestRate, term) {
var initialPrincipal = 1000;
var monthlyPayment = this.getMonthlyPayment(initialPrincipal, annualInterestRate, term);
var totalRepayableAmount = monthlyPayment * term;
return totalRepayableAmount / initialPrincipal;
},
getInterestRateApproximationFromAnnuity: function (termMonths) {
var termDays = termMonths * 30;
var constant = 1.000018;
var resultBase = constant + (termDays * 0.0007 + 1) / termMonths;
var resultLog = Math.log2(1 + 1 / termMonths);
resultBase = Math.pow(resultBase, (1 / resultLog)) - 1;
var interestRateApproximationFromAnnuity = ((Math.pow(resultBase, resultLog) - constant) * 12) * 100;
var flooredResult = Math.floor(interestRateApproximationFromAnnuity * 100) / 100;
return flooredResult;
},
calculateTermUpperLimit: function (amount, maxRepayable, interest) {
let monthlyInterest = (interest/100) / 12;
return (isNaN(Math.ceil(Math.log(1 / (1 - ((amount * monthlyInterest) / maxRepayable))) / Math.log1p(monthlyInterest))) ? 0 : Math.ceil(Math.log(1 / (1 - ((amount * monthlyInterest) / maxRepayable))) / Math.log1p(monthlyInterest)));
},
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
if ( ! (-8 in n)) {
n[-8] = 237;
}
n["round"] = this.round
return n;
},
filterAvailableTerms: function (bag, checkFunction) {
var limits = this.evaluateLimit(bag);
var lowestAvailableTerm = null;
for (var index = 0; index < limits.terms.length; index++) {
var t = limits.terms[index];
bag['-2'] = t;
var currentTermLimits = this.evaluateLimit(bag);
if (checkFunction) {
if (checkFunction(currentTermLimits)) {
lowestAvailableTerm = t;
break;
}
} else if (currentTermLimits.amounts_available.length > 0) {
lowestAvailableTerm = t;
break;
}
}
return limits.terms.slice(limits.terms.indexOf(lowestAvailableTerm));
},
evaluateLimit: function (bag) {
var finalAmounts_available = [];
var finalAmounts_visible = [];
var finalDays = [];
var finalDays_available = [];
var finalExtDays = [];
var ibag = this.freshBagLimit(bag);
var result = this.loanlimit.evaluate(ibag);
this.pricelists[77].buildDimension(bag);
this.pricelists[78].buildDimension(bag);
this.pricelists[79].buildDimension(bag);
for (var i = 0; i < this.pricelists[78].amounts.length; i++) {
var amn = this.pricelists[78].amounts[i];
if ((ibag._available_limit == null || parseFloat(amn) <= ibag._available_limit) && 
(ibag._lowerbound == null || parseFloat(amn) >= ibag._lowerbound)) {
finalAmounts_available.push(parseFloat(amn).toFixed(2));
}
if ((ibag._visible_limit == null || parseFloat(amn) <= ibag._visible_limit) && 
(ibag._lowerbound == null || parseFloat(amn) >= ibag._lowerbound)) {
finalAmounts_visible.push(parseFloat(amn).toFixed(2));
}
}
for (var i = 0; i < this.pricelists[78].terms.length; i++) {
var day = this.pricelists[78].terms[i];
if ((ibag._day_limit == null || parseFloat(day) <= ibag._day_limit) && 
(ibag._day_lower_bound == null || parseFloat(day) >= ibag._day_lower_bound)) {
finalDays.push(parseFloat(day).toFixed(0));
}
if ((ibag._available_day_limit == null || parseFloat(day) <= ibag._available_day_limit) && 
(ibag._day_lower_bound == null || parseFloat(day) >= ibag._day_lower_bound)) {
finalDays_available.push(parseFloat(day).toFixed(0));
}
}
for (var i = 0; i < this.pricelists[79].terms.length; i++) {
var day = this.pricelists[79].terms[i];
if (ibag._extension_limit == null || parseFloat(day) <= ibag._extension_limit) {
finalExtDays.push(parseFloat(day).toFixed(0))
}
}
return {
'pricelist-amount-limit': ibag._visible_limit,
'pricelist-amount-hard-limit': ibag._available_limit,
'pricelist-amount-lower-bound': ibag._lowerbound,
'pricelist-day-limit': ibag._day_limit,
'pricelist-available-day-limit': ibag._available_day_limit,
'pricelist-income-verify-limit': ibag._income_verify_limit,
'pricelist-day-lower-bound': ibag._day_lower_bound,
'reject_message': ibag._reject_message,
amounts_available: finalAmounts_available,
amounts_visible: finalAmounts_visible,
terms: finalDays,
terms_available: finalDays_available,
extterms: finalExtDays,
slider_default: ibag._slider_default
}
},
prolongPermissionRules: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: Prohibit prolonging If all products open
(function () {
// Group: Group
if ((bag[3251] == 1 && (bag[3252] == 1 && bag['3253'] == 1))) {
bag['prohibitProlong']('Has all products open');
bag['prohibitProlongToInstallment']('Has all products open');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: OLD VERSION OF PROLONGING=>HAS OPEN PD PROLONG TO CRL
(function () {
// Group: PD --> CRL FL BEFORE DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && ((((bag[802] < 31 && bag[2788] >= 50) && [1].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1) && bag[3252] == 0))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: PD --> CRL FL AFTER DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && (((((bag[802] > 0 && bag[802] < 31) && bag[2788] >= 50) && [1].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1) && bag[3252] == 0))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: PD --> CRL CL BEFORE DUEDATE
if (([1,3,4].indexOf(parseInt(bag[460])) !== -1 && ((((bag[802] < 31 && bag[3252] == 0) && bag[2788] >= 50) && [0].indexOf(bag[2438] ? 1 : 0) !== -1) && bag[3251] == 1))) {
bag['prohibitProlong'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING to IL
(function () {
// Group: PDL
if ((bag['3141'] == 1 && ([1,3,4].indexOf(parseInt(bag['460'])) !== -1 && (bag['2788'] >= 50 && bag[802] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING IL -> IL
(function () {
// Group: IL
if ((bag['3141'] == 2 && ([1].indexOf(parseInt(bag[460])) !== -1 && (bag['2788'] >= 50 && bag[802] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: NEW VERSION OF PROLONGING - TO CRL -> IL
(function () {
// Group: CRL
if ((bag['3141'] == 3 && ([17,1,4].indexOf(parseInt(bag[460])) !== -1 && (bag['2788'] >= 50 && bag['3353'] < 31)))) {
bag['prohibitProlongToInstallment'](null);
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
}
},
freshBagProlongPermissionRule: function (bag) {
var n = {
_loanProlongPermitted: false,
_loanProlongPermittedToPayday: false,
_loanProlongPermittedToInstallment: false,
_loanProlongPermittedToCreditline: false,
_errorMessage: null,
_errorMessageProlongToPayday: null,
_errorMessageProlongToInstallment: null,
_errorMessageProlongToCreditline: null,
_loanSettingId: null,
_feetypes: [],
allowProlong: function () {
this._loanProlongPermitted = true;
this._errorMessage = null;
},
allowProlongToPayday: function () {
this._loanProlongPermittedToPayday = true;
this._errorMessageProlongToPayday = null;
},
allowProlongToInstallment: function () {
this._loanProlongPermittedToInstallment = true;
this._errorMessageProlongToInstallment = null;
},
allowProlongToCreditline: function () {
this._loanProlongPermittedToCreditline = true;
this._errorMessageProlongToCreditline = null;
},
prohibitProlong: function (msg) {
this._loanProlongPermitted = false;
this._errorMessage = msg;
},
setLoanSettings: function (id) {
this._loanSettingId = id;
},
prohibitProlongToPayday: function (msg) {
this._loanProlongPermittedToPayday = false;
this._errorMessageProlongToPayday = msg;
},
prohibitProlongToInstallment: function (msg) {
this._loanProlongPermittedToInstallment = false;
this._errorMessageProlongToInstallment = msg;
},
prohibitProlongToCreditline: function (msg) {
this._loanProlongPermittedToCreditline = false;
this._errorMessageProlongToCreditline = msg;
},
feetypeToNewLoan: function (feetype, percentage, maxvalue) {
this._feetypes.push({ "feetype": feetype, "percentage": percentage, "maxvalue": maxvalue });
},
hasLoanOpenInAllLenders: function () {
return bag[-33];
},
isRequestForLoanFromPlaton: function () {
return bag["is-backend"] || false;
},
isRequestForLoanFromClientzone: function () {
return !bag["is-backend"];
},
};
for (var id in bag) {
if ((typeof bag[id] === 'string') && !isNaN(bag[id]) && isFinite(bag[id]) && typeof bag[id] !== "boolean") {
bag[id] = parseFloat(bag[id]);
}
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
evaluateProlongPermisson: function (bag) {
var ibag = this.freshBagProlongPermissionRule(bag);
var result = this.prolongPermissionRules.evaluate(ibag);
return {
'loan-prolong-permitted': ibag._loanProlongPermitted,
'loan-prolong-permitted-to-payday': ibag._loanProlongPermittedToPayday,
'loan-prolong-permitted-to-installment': ibag._loanProlongPermittedToInstallment,
'loan-prolong-permitted-to-creditline': ibag._loanProlongPermittedToCreditline,
'loan-prolong-error': ibag._errorMessage,
'loan-prolong-to-payday-error': ibag._errorMessageProlongToPayday,
'loan-prolong-to-installment-error': ibag._errorMessageProlongToInstallment,
'loan-prolong-to-creditline-error': ibag._errorMessageProlongToCreditline,
'prolong-loan-setting-id': ibag._loanSettingId,
'loan-feetype-mapping': ibag._feetypes
}
},
evaluateExtensionPromotions: function (now, bag, values) {
var ibag = {};
var result = null;
var existingpromo = null;
var percentpromo = null;
var percentpromos = [];
var usedPromotions = [];
if (bag['existing-promotions']) {
var existingPromos = bag['existing-promotions'].sort(function (a, b) {
return b.priority - a.priority;
});
ibag = this.freshBag(bag, null);
for (var i = 0; i < existingPromos.length; i++) {
existingpromo = existingPromos[i];
if (existingpromo['type'] == 'percent') {
percentpromo = {
'amount': parseFloat(existingpromo['amount']),
'id': existingpromo['promoId']
};
if (existingpromo['installmentIndex'] !== undefined) { // installment index can be 0 and then it wouldnt go in
percentpromo['installment_index'] = existingpromo['installmentIndex'] + 1; // + 1 because for promostaging the first installment is index 1 and not 0
}
if (!percentpromos[existingpromo['feeTypeId']]) {
percentpromos[existingpromo['feeTypeId']] = [];
}
percentpromos[existingpromo['feeTypeId']].push(percentpromo);
usedPromotions.push(existingpromo['promoId'].toString());
}
}
ibag['discounts_per'] = percentpromos;
this.fillDiscounts(ibag, values);
}
},
extensionPermissionRules: {
evaluate: function (bag) {
var vars = {};
var control = { canceled: false, quit: false };
bag['exit'] = function() { control.canceled = true; };
bag['stopProcessing'] = function() { bag['exit'](); control.quit = true; };
bag['skip'] = function() { control.skip = true; };
control.skip = false;
// Stage: SET-3547 Allow ext for all
(function () {
// Group: Group
if (bag['1217'] !== null) {
bag['allowExtension']();
bag['exit']();
if (control.canceled) return;
} else {
bag['allowExtension']();
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
control.skip = false;
// Stage: Stage
(function () {
// Group: Prohibit for bailiff status
if ((([73,74,75,76,79,431,432,433,434,435,439,440,614,615,616].indexOf(parseInt(bag[2593])) !== -1 || [7].indexOf(parseInt(bag[460])) !== -1) || bag[802] > 60)) {
bag['prohibitExtension']('Max delay reached');
bag['exit']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (true) {
vars['diff'] = (bag[423] - (bag[4190] + bag[-11]));
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
// Group: Group
if (vars['diff'] < 0) {
bag['prohibitExtension']('Fee limit reached');
bag['exit']();
if (control.canceled) return;
} else {
bag['allowExtension']();
if (control.canceled) return;
}
if (control.canceled || control.skip) return;
})();
if (control.canceled) return control;
return control;
},
freshBag: function (bag, extensionPrice) {
var n = {
_loanExtensionPermitted: false,
_errorMessage: null,
allowExtension: function () {
this._loanExtensionPermitted = true;
this._errorMessage = null;
},
prohibitExtension: function (msg) {
this._loanExtensionPermitted = false;
this._errorMessage = msg;
}
};
for (var id in bag) {
if ((typeof bag[id] === 'string') && !isNaN(bag[id]) && isFinite(bag[id])) {
bag[id] = parseFloat(bag[id]);
}
if (!(id in n)) {
n[id] = bag[id];
}
}
n[-11] = extensionPrice;
return n;
}
},
evaluateExtension: function (bag) {
bag[-3] = bag[-3] || bag['loan-amount']
bag[-2] = bag[-2] || bag['loan-term']
bag[-1] = bag[-1] || bag['loan-extension-term']
var values = {
discounts_per: {},
discounts_amn: {},
extensions: {},
total_extension_term: 0,
prices: {},
feeRates: {},
discounts: {},
discounted: {}
}
var that = this;
var now = new Date().getTime();
var amn = parseFloat(bag[-3]).toFixed(2);
var term = parseFloat(bag[-2]).toFixed(0);
var extterm = parseFloat(bag[-1]).toFixed(0);
if (bag[-7] && (bag[-7] == '-1' || bag[-7] == '1')) {
aleg:
for (var id in this.pricelists) {
if (!('buildPrice' in this.pricelists[id])) {
if (!(amn in this.pricelists[id].data)) {
var pamn = '0.0';
for (var iamn in this.pricelists[id].data) {
if (parseFloat(iamn) > parseFloat(amn)) {
if (bag[-7] == '1') {
amn = iamn;
break aleg;
} else {
if (parseFloat(pamn) == 0.0) {
throw new Error('There is no smaller amount than ' + amn + ' to round down to for pricelist with id ' + id);
}
amn = pamn;
break aleg;
}
}
pamn = iamn;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '1') {
amn = pamn;
break aleg;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '-1') {
amn = pamn;
break aleg;
}
}
}
}
}
for (var id in this.pricelists) {
if (
id != 79
) {
continue;
}
if ('buildPrice' in this.pricelists[id]) {
var save = bag['pricelist_bag'];
bag['pricelist_bag'] = {};
for (var x in save) {
bag['pricelist_bag'][x] = save[x];
}
for (var x in bag) {
if (x != 'pricelist_bag') {
bag['pricelist_bag'][x] = bag[x];
}
}
var pricelist_bag = {};
for (var item in bag['pricelist_bag']) {
pricelist_bag[item] = bag['pricelist_bag'][item];
}
var pricelistResult = this.pricelists[id].buildPrice(amn, extterm, pricelist_bag);
var price = parseFloat(pricelistResult.price);
var feeRate = parseFloat(pricelistResult.rate);
values.prices[id] = price;
values.feeRates[id] = feeRate;
} else {
if (!this.pricelists[id].data) continue;
if (!(amn in this.pricelists[id].data)) {
throw new Error('Invalid Amount ' + amn + ' for pricelist with id ' + id);
}
if (!extterm in this.pricelists[id].data[amn]) {
throw new Error('Invalid Term ' + extterm + ' for pricelist with id ' + id + ' for amount ' + amn);
}
values.prices[id] = parseFloat(this.pricelists[id].data[amn][extterm]);
values.feeRates[id] = 0;
}
}
if ('existing-fees' in bag) {
for (var id in bag['existing-fees']) {
if (bag['existing-fees'][id].amount == 0) {
continue;
}
if (!values.prices[id]) {
values.prices[id] = 0;
}
values.prices[id] += bag['existing-fees'][id].amount;
}
}
this.evaluateExtensionPromotions(now, bag, values);
var details2 = { 'percent-discounts' : {}, 'amount-discounts' : {}, 'extensions': {}, original: {}, discount: {}, final: {} };
for (var id in values.prices) {
var feeType = null;
if (id in this.pricelists) {
feeType = this.pricelists[id].type;
} else if (id in bag['existing-fees']) {
feeType = bag['existing-fees'][id].type;
}
var discountPercentAr = values.discounts_per[id];
var discountPercent = 0;
if (discountPercentAr) {
details2['percent-discounts'][feeType] = discountPercentAr;
for (var i = 0; i < discountPercentAr.length; i++) {
discountPercent += parseFloat(discountPercentAr[i].amount);
}
}
var discountAmountAr = values.discounts_amn[id];
var discountAmount = 0;
if (discountAmountAr) {
details2['amount-discounts'][feeType] = discountAmountAr;
for (var i = 0; i < discountAmountAr.length; i++) {
discountAmount += parseFloat(discountAmountAr[i].amount);
}
}
var discount = Math.min(values.prices[id] * discountPercent / 100 + discountAmount, values.prices[id]);
var finalAmount = values.prices[id] - discount;
values.discounts[id] = parseFloat(discount.toFixed(2));
values.discounted[id] = parseFloat(finalAmount.toFixed(2));
details2.original[feeType] = values.prices[id];
details2.discount[feeType] = values.discounts[id];
details2.final[feeType] = values.discounted[id];
}
var ibag = null;
var extensionPrice = values.discounted[79];
ibag = this.extensionPermissionRules.freshBag(bag, extensionPrice);
this.extensionPermissionRules.evaluate(ibag);
var calc_loan_duedate = bag['loan_duedate'] ? new Date(Date.parse(bag['loan_duedate'])) : null;
if (calc_loan_duedate) {
var calc_loan_is_payday = bag['loan_is_payday'];
var calc_extension_permitted = ibag == null || (!ibag._errorMessage && ibag._loanExtensionPermitted);
var calc_term = parseInt(extterm);
var calc_duedate = null;
var calc_now = new Date();
var calc_late = calc_loan_duedate < calc_now;
var calc_actDuedate = calc_late ? calc_now : calc_loan_duedate;
if (calc_extension_permitted) {
calc_duedate = calc_actDuedate;
if (calc_loan_is_payday) {
calc_duedate.setDate(calc_duedate.getDate() + calc_term);
} else {
calc_duedate.setMonth(calc_duedate.getMonth() + calc_term);
}
calc_duedate = (calc_duedate.toISOString()).substr(0, 10);
}
}
return {
'loan-amount': bag[-3],
'loan-term': bag[-2],
'loan-extension-term': bag[-1],
'loan-extension-fees': values.discounted[79],
'loan-extension-duedate': calc_duedate,
'loan-extension-permitted': ibag._loanExtensionPermitted,
'loan-extension-error': ibag._errorMessage,
'loan-original-extension-fees': values.prices[79],
'loan-free-extension': values.total_extension_term,
details: details2,
};
},
evaluateAdditionalPayout: function (bag) {
bag[-3] = bag[-3] || bag['loan-amount']
bag[-2] = bag[-2] || bag['loan-term']
bag[-1] = bag[-1] || bag['loan-additional-payout-amount']
var prices = {}
var that = this;
var now = new Date().getTime();
var amn = parseFloat(bag[-3]).toFixed(2);
var term = parseFloat(bag[-2]).toFixed(0);
var additionalPayoutAmount = parseFloat(bag[-1]).toFixed(2);
if ('buildPrice' in this.additional_payout_pricelist) {
var save = bag['pricelist_bag'];
bag['pricelist_bag'] = {};
for (var x in save) {
bag['pricelist_bag'][x] = save[x];
}
for (var x in bag) {
if (x != 'pricelist_bag') {
bag['pricelist_bag'][x] = bag[x];
}
}
prices = this.additional_payout_pricelist.buildPrice(additionalPayoutAmount, term, bag['pricelist_bag']);
} else {
if (!(additionalPayoutAmount in this.additional_payout_pricelist.data)) {
throw new Error('Invalid Amount ' + additionalPayoutAmount + ' for additionalPayoutPricelist with id ' + this.additional_payout_pricelist.id);
}
if (!term in this.additional_payout_pricelist.data[additionalPayoutAmount]) {
throw new Error('Invalid Term ' + term + ' for additionalPayoutPricelist with id ' + this.additional_payout_pricelist.id + ' for amount ' + additionalPayoutAmount);
}
prices = this.additional_payout_pricelist.data[additionalPayoutAmount][term];
}
return {
'loan-amount': bag[-3],
'loan-term': bag[-2],
'loan-additional-payout-amount': bag[-1],
'loan-additional-payout-fees': prices,
};
},
calculateAPR: function (startAmount, values) {
var PRECISION = 0.00001;
var MAX_ATTEMPTS = 1000;
var bsMinB = -0.999999999999;
var bsMaxB = 2000000000;
var principal = startAmount;
var attempts = 0;
var repaymentTotal = 0;
var APRRate = 1;
while (Math.abs(repaymentTotal - principal) > PRECISION) {
if (attempts >= MAX_ATTEMPTS || (bsMaxB == bsMinB) && (bsMaxB == APRRate)) {
return NaN;
}
attempts++;
if (attempts > 1) {
if (repaymentTotal < principal) {
bsMaxB = APRRate;
} else {
bsMinB = APRRate;
}
APRRate = bsMaxB - (bsMaxB - bsMinB) / 2;
}
repaymentTotal = 0;
for (var i = 0; i < values.length; i++) {
var rt = Math.pow(1 + APRRate, (i + 1) / 12); // 12 = compounding period
repaymentTotal += values[i].payment / rt;
}
}
return APRRate * 100;
},
DaysBetween: function(date1, date2) {
var oneDay = 24*60*60*1000;
return Math.round(Math.abs((date1.getTime() - date2.getTime())/oneDay));
},
XNPV: function(rate, values, daysInYear) {
var payment_fee_percentage = 0.00 / 100;
var xnpv = 0.0;
var firstDate = new Date(values[0].date);
for (var i = 0, max = values.length; i < max; i += 1) {
var tmp = values[i];
var value;
if (tmp.payment < 0) {
value = tmp.payment * (1 - payment_fee_percentage);
} else {
value = tmp.payment * (1 + payment_fee_percentage);
}
var date = new Date(tmp.date);
xnpv += value / Math.pow(1 + rate, this.DaysBetween(firstDate, date)/daysInYear);
}
return xnpv;
},
aprForPayday: function(initialAmount, term, toRepay, daysInYear) {
var payment_fee_percentage = 0.00 / 100;
return Math.round((Math.pow(toRepay * (1 + payment_fee_percentage) / (initialAmount * (1 - payment_fee_percentage)), daysInYear / term) - 1) * 10000) / 100;
},
arForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round(price / initialAmount * (daysInYear / term) * 10000) / 100;
},
rpyForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term * daysInYear) * 10000) / 100;
},
rpmForPayday: function (initialAmount, term, toRepay, daysInYear) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term * daysInYear / 12) * 10000) / 100;
},
rpdForPayday: function (initialAmount, term, toRepay) {
var price = toRepay - initialAmount;
return Math.round((price / initialAmount / term) * 10000) / 100;
},
XIRR: function(initialAmount, values, guess, forcePayoutDate, daysInYear) {
if (!guess) guess = 0.1;
var payoutDate = forcePayoutDate ? new Date(forcePayoutDate) : new Date();
payoutDate.setMinutes(0);
payoutDate.setHours(0);
payoutDate.setSeconds(0);
values = values.slice(0);
values.unshift({payment:-initialAmount, date:payoutDate});
var x1 = 0.0;
var x2 = guess;
var f1 = this.XNPV(x1, values, daysInYear);
var f2 = this.XNPV(x2, values, daysInYear);
for (var i = 0; i < 100; i++) {
if ((f1 * f2) < 0.0) break;
if (Math.abs(f1) < Math.abs(f2)) {
f1 = this.XNPV(x1 += 1.6 * (x1 - x2), values, daysInYear);
} else {
f2 = this.XNPV(x2 += 1.6 * (x2 - x1), values, daysInYear);
}
};
if ((f1 * f2) > 0.0) return null;
var f = this.XNPV(x1, values, daysInYear);
if (f < 0.0) {
var rtb = x1;
var dx = x2 - x1;
} else {
var rtb = x2;
var dx = x1 - x2;
};
for (var i = 0; i < 100; i++) {
dx *= 0.5;
var x_mid = rtb + dx;
var f_mid = this.XNPV(x_mid, values, daysInYear);
if (f_mid <= 0.0) rtb = x_mid;
if ((Math.abs(f_mid) < 1.0e-6) || (Math.abs(dx) < 1.0e-6)) return Math.max(0, x_mid * 100);
};
return null;
},
rpyForInstallment: function (interestRate) {
return interestRate;
},
rpmForInstallment: function (interestRate) {
return interestRate / 12;
},
rpdForInstallment: function (interestRate, daysInYear) {
return interestRate / daysInYear;
},
// add base functions
fillDiscounts: function (ibag, values) {
for (var id in ibag.discounts_per) {
if (!(id in values.discounts_per)) {
values.discounts_per[id] = [];
}
for (var i = 0; i < ibag.discounts_per[id].length; i++) {
values.discounts_per[id].push(ibag.discounts_per[id][i]);
}
}
for (var id in ibag.discounts_amn) {
if (!(id in values.discounts_amn)) {
values.discounts_amn[id] = [];
}
for (var i = 0; i < ibag.discounts_amn[id].length; i++) {
values.discounts_amn[id].push(ibag.discounts_amn[id][i]);
}
}
if (!('designations' in values)) {
values.designations = {};
}
for (var promo_id in ibag.designations) {
values.designations[promo_id] = ibag.designations[promo_id];
}
for (var promo_id in ibag.customer_data) {
if (!('customer_data' in values)) {
values.customer_data = {};
}
values.customer_data[promo_id] = ibag.customer_data[promo_id];
}
var totalTerm = 0;
for (var i = 0; i < ibag.extensions.length; i++) {
var promo_id = ibag.extensions[i].id;
if (!(promo_id in values.extensions)) {
values.extensions[promo_id] = 0;
}
values.extensions[promo_id] += ibag.extensions[i].term;
values.total_extension_term += ibag.extensions[i].term;
}
},
round: function (value, interval, mode) {
var returnValue = null;
var value = value / interval;
switch (mode) {
case 0: //FUNCTION_ROUND_FLOOR
returnValue = Math.floor(value);
break;
case 1: //FUNCTION_ROUND_CEIL
returnValue = Math.ceil(value);
break;
case 3: //FUNCTION_ROUND_HALF_DOWN
returnValue = -Math.round(-value);
break;
case 2: //FUNCTION_ROUND_HALF_UP
returnValue = Math.round(value);
break;
}
return returnValue ? returnValue / (1 / interval) : returnValue;
},
freshBag: function (bag, promo_id) {
var that = this;
var n = {
discounts_per: {},
discounts_amn: {},
extensions: [],
designations: {},
customer_data: {},
addInstallmentPromotionPercent: function (feetype, amount, installment_index) {
if (!(feetype in this.discounts_per)) {
this.discounts_per[feetype] = [];
}
this.discounts_per[feetype].push({ amount: amount, id: promo_id, installment_index: installment_index });
},
addInstallmentPromotion: function (feetype, amount, installment_index) {
if (!(feetype in this.discounts_amn)) {
this.discounts_amn[feetype] = [];
}
this.discounts_amn[feetype].push({ amount: amount, id: promo_id, installment_index: installment_index });
},
addDiscountPercent: function (feetype, amount) {
if (!(feetype in this.discounts_per)) {
this.discounts_per[feetype] = [];
}
this.discounts_per[feetype].push({ amount: amount, id: promo_id });
},
addDiscount: function (feetype, amount) {
if (!(feetype in this.discounts_amn)) {
this.discounts_amn[feetype] = [];
}
this.discounts_amn[feetype].push({ amount: amount, id: promo_id });
},
setDesignation: function (designation) {
this.designations[promo_id] = designation;
},
addFreeExtension: function (term) {
this.extensions.push({ term: term, id: promo_id });
},
getCustomerData: function (type) {
if ('customer-data' in bag && type in bag['customer-data']) {
return bag['customer-data'][type];
} else {
return null;
}
},
setCustomerData: function (type, data) {
if (!(promo_id in this.customer_data)) {
this.customer_data[promo_id] = [];
}
this.customer_data[promo_id].push({ type: type, data: data });
},
round: that.round,
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
evaluateLoanPromotions: function (now, bag, values) {
var ibag = {};
var existingpromo = null;
var percentpromo = null;
var percentpromos = [];
var usedPromotions = [];
if (bag['existing-promotions']) {
var existingPromos = bag['existing-promotions'].sort(function (a, b) {
return b.priority - a.priority;
});
ibag = this.freshBag(bag, null);
for (var i = 0; i < existingPromos.length; i++) {
existingpromo = existingPromos[i];
if (existingpromo['type'] == 'percent') {
percentpromo = {
'amount': parseFloat(existingpromo['amount']),
'id': existingpromo['promoId']
};
if (existingpromo['installmentIndex'] !== undefined) { // installment index can be 0 and then it wouldnt go in
percentpromo['installment_index'] = existingpromo['installmentIndex'] + 1; // + 1 because for promostaging the first installment is index 1 and not 0
}
if (!percentpromos[existingpromo['feeTypeId']]) {
percentpromos[existingpromo['feeTypeId']] = [];
}
percentpromos[existingpromo['feeTypeId']].push(percentpromo);
usedPromotions.push(existingpromo['promoId'].toString());
}
}
ibag['discounts_per'] = percentpromos;
this.fillDiscounts(ibag, values);
}
var quit = false;
},
addPromotionResult: function (now, bag, values, start, end, id) {
var ibag = {};
var result = null;
if (start < now && now < end) {
ibag = this.freshBag(bag, id);
result = this.promotions[id].evaluate(ibag);
this.fillDiscounts(ibag, values);
return result.quit;
}
return false;
},
evaluate: function (bag) {
bag[-3] = bag[-3] || bag['loan-amount']
bag[-2] = bag[-2] || bag['loan-term']
var values = {
discounts_per: {},
discounts_amn: {},
extensions: {},
total_extension_term: 0,
prices: {},
feeRates: {},
discounts: {},
discounted: {},
prices_without_tax: {},
discounted_without_tax: {},
discounts_without_tax: {}
}
var that = this;
var now = new Date().getTime();
var amn = parseFloat(bag[-3]).toFixed(2);
var term = parseFloat(bag[-2]).toFixed(0);
var extterm = bag[-1] == undefined ? term : parseFloat(bag[-1]).toFixed(0);
// apr calculation is by default true, unless apr is set
var apr = bag[-13] == undefined ? true : bag[-13];
var excludeFeesFromApr = bag['exclude-fees-from-apr'] == undefined ? [] : bag['exclude-fees-from-apr'];
if (bag[-7] && (bag[-7] == '-1' || bag[-7] == '1')) {
aleg:
for (var id in this.pricelists) {
if (!('buildPrice' in this.pricelists[id])) {
if (!(amn in this.pricelists[id].data)) {
var pamn = '0.0';
for (var iamn in this.pricelists[id].data) {
if (parseFloat(iamn) > parseFloat(amn)) {
if (bag[-7] == '1') {
amn = iamn;
break aleg;
} else {
if (parseFloat(pamn) == 0.0) {
throw new Error('There is no smaller amount than ' + amn + ' to round down to for pricelist with id ' + id);
}
amn = pamn;
break aleg;
}
}
pamn = iamn;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '1') {
amn = pamn;
break aleg;
}
if (parseFloat(pamn) < parseFloat(amn) && bag[-7] == '-1') {
amn = pamn;
break aleg;
}
}
}
}
}
for (var id in this.pricelists) {
if (bag['ignore-fee'] && bag['ignore-fee'][this.fee_types[id]]) {
values.prices[id] = 0;
continue;
}
if ('buildPrice' in this.pricelists[id]) {
bag['pricelist_bag'] = bag['pricelist_bag'] || {};
for (var x in bag) {
if (x != 'pricelist_bag') {
bag['pricelist_bag'][x] = bag[x];
}
}
var pricelistResult = this.pricelists[id].buildPrice(amn, term, bag['pricelist_bag']);
values.prices[id] = pricelistResult.price;
values.feeRates[id] = pricelistResult.rate;
} else {
if (!(amn in this.pricelists[id].data)) {
throw new Error('Invalid Amount ' + amn + ' for pricelist with id ' + id);
}
if (!term in this.pricelists[id].data[amn]) {
throw new Error('Invalid Term ' + term + ' for pricelist with id ' + id + ' for amount ' + amn);
}
values.prices[id] = this.pricelists[id].data[amn][term];
values.feeRates[id] = 0;
}
if (this.pricelists[id].tax_percentage && this.pricelists[id].tax_percentage > 0) {
values.prices_without_tax[id] = (values.prices[id] / (1 + parseFloat(this.pricelists[id].tax_percentage))).toFixed(2);
}
}
this.evaluateLoanPromotions(now, bag, values);
var details2 = {
'percent-discounts': {},
'amount-discounts': {},
extensions: {},
original: {},
discount: {},
final: {},
tax_percentage: {},
without_tax: {
original: {},
final: {},
discount: {}
}
};
var productId = false ? 2 : 1;
var recalcVersion = 0;
if (bag[-42]) {
bag[-42].forEach(function (version) {
if (version.product_id == productId) {
recalcVersion = version.recalc_version;
}
});
}
if (recalcVersion >= 3.1) {
function calculateInterestFee(amount, interestRate, daysInYear, term) {
return (amount * interestRate / 100 / daysInYear * term).toFixed(2);
}
function calculateLoanFee(amount, loanFeeRate, daysInYear, term) {
return (parseFloat(loanFeeRate) / 100 / daysInYear * amount * term).toFixed(2);
}
var amount = bag[-3];
if (!values.feeRates[83]) {
values.feeRates[83] = 0;
}
if (!values.feeRates[77]) {
values.feeRates[77] = 0;
}
var daysPerYear = 366;
var interestRate = values.feeRates[83];
var loanFeeRate = values.feeRates[77];
var interest = calculateInterestFee(amount, interestRate, daysPerYear, term);
var loanFee = calculateLoanFee(amount, loanFeeRate, daysPerYear, term);
values.prices[83] = interest;
values.prices[77] = loanFee;
values.feeRates['interest-fee-rate'] = interestRate;
values.feeRates['loan-fee-rate'] = loanFeeRate;
if (0.000 > 0) {
values.prices_without_tax[83] = (values.prices[83] / (1 + parseFloat(0.000))).toFixed(2);
}
if (0.000 > 0) {
values.prices_without_tax[77] = (values.prices[77] / (1 + parseFloat(0.000))).toFixed(2);
}
}
for (var id in values.prices) {
var discountPercentAr = values.discounts_per[id];
var discountPercent = 0;
var name = '';
if (id in this.pricelists) {
name = this.pricelists[id].type;
} else if (id == 83) {
name = 'interest-fee';
} else if (id == 77) {
name = 'loan-fee';
}
if (discountPercentAr) {
if (discountPercentAr) {
details2['percent-discounts'][name] = discountPercentAr;
}
for (var i = 0; i < discountPercentAr.length; i++) {
discountPercent += parseFloat(discountPercentAr[i].amount);
}
}
var discountAmountAr = values.discounts_amn[id];
var discountAmount = 0;
if (discountAmountAr) {
details2['amount-discounts'][name] = discountAmountAr;
for (var i = 0; i < discountAmountAr.length; i++) {
discountAmount += parseFloat(discountAmountAr[i].amount);
}
}
var discount = Math.min(values.prices[id] * discountPercent / 100 + discountAmount, values.prices[id]);
var finalAmount = values.prices[id] - discount;
values.discounts[id] = parseFloat(discount.toFixed(2));
values.discounted[id] = parseFloat(finalAmount.toFixed(2));
if (values.prices_without_tax[id]) {
if (id in this.pricelists) {
values.discounted_without_tax[id] = parseFloat((values.discounted[id] / (1 + parseFloat(this.pricelists[id].tax_percentage))).toFixed(2));
} else if (id == 83) {
values.discounted_without_tax[id] = parseFloat((values.discounted[id] / (1 + parseFloat(0.000))).toFixed(2));
} else if (id == 77) {
values.discounted_without_tax[id] = parseFloat((values.discounted[id] / (1 + parseFloat(0.000))).toFixed(2));
} else {
values.discounted_without_tax[id] = values.discounted[id];
}
values.discounts_without_tax[id] = parseFloat((values.prices_without_tax[id] - values.discounted_without_tax[id]).toFixed(2));
}
}
var loan_total = values.discounted[78] + values.discounted[77];
if (values.discounted[83]) {
loan_total += values.discounted[83];
}
var loan_total_without_tax = (values.discounted_without_tax[78] || values.discounted[78]) + (values.discounted_without_tax[77] || values.discounted[77]);
if (values.discounted_without_tax[83] || values.discounted[83]) {
loan_total_without_tax += (values.discounted_without_tax[83] || values.discounted[83]);
}
for (var id in values.prices) {
if (id < 0) {
continue;
}
var name = '';
if (id in this.pricelists) {
name = this.pricelists[id].type;
} else if (id == 83) {
name = 'interest-fee';
} else if (id == 77) {
name = 'loan-fee';
}
details2.original[name] = values.prices[id];
details2.discount[name] = values.discounts[id];
details2.final[name] = values.discounted[id];
details2.without_tax.original[name] = values.prices_without_tax[id] || values.prices[id];
details2.without_tax.discount[name] = values.discounts_without_tax[id] || values.discounts[id];
details2.without_tax.final[name] = values.discounted_without_tax[id] || values.discounted[id];
if (id in this.pricelists) {
details2.tax_percentage[name] = parseFloat(this.pricelists[id].tax_percentage || 0);
details2.without_tax.original[name] = values.prices_without_tax[id] || values.prices[id];
details2.without_tax.discount[name] = values.discounts_without_tax[id] || values.discounts[id];
details2.without_tax.final[name] = values.discounted_without_tax[id] || values.discounted[id];
} else {
var interest_tax_percantage = parseFloat(0.000);
details2.tax_percentage[name] = parseFloat(interest_tax_percantage || 0);
details2.without_tax.original[name] = parseFloat(values.prices[id] / (1 + interest_tax_percantage)).toFixed(2);
details2.without_tax.discount[name] = parseFloat(values.discounts[id] / (1 + interest_tax_percantage)).toFixed(2);
details2.without_tax.final[name] = parseFloat(values.discounted[id] / (1 + interest_tax_percantage)).toFixed(2);
}
}
if ((bag[-15] || false) == false) {
delete details2.without_tax;
delete details2.tax_percentage;
}
var ret = {
'loan-amount': bag[-3],
'loan-term': bag[-2],
'loan-repay-amount': values.discounted[78],
'loan-total': loan_total,
'loan-free-extension': values.total_extension_term,
'annual-loan-fee-rate': (values.feeRates[77]/ 100).toFixed(10),
details: details2,
};
var total_fee_cost_values = 0;
if (values.prices['77']) {
ret['loan-fees'] = values.discounted[77];
ret['loan-original-fees'] = values.prices[77];
total_fee_cost_values += values.discounted[77];
}
if (values.prices['83']) {
ret['loan-interest-fees'] = values.discounted['83'];
ret['loan-original-interest-fees'] = values.prices['83'];
ret['loan-interest-fee-type-id'] = 83;
total_fee_cost_values += values.discounted[83];
}
ret['loan-total-fee-cost'] = total_fee_cost_values;
if (values.customer_data) {
ret['customer-data'] = values.customer_data;
}
if (values.feeRates) {
ret['fee-rates'] = values.feeRates;
}
var loanFee = 77;
var interestFee = 83;
var preparationFee = null;
var principalFee = 78;
if ((bag[-15] || false) != false) {
ret['without_tax'] = {
'loan-repay-amount': values.discounted_without_tax[principalFee] || values.discounted[principalFee],
'loan-fees': values.discounted_without_tax[loanFee] || values.discounted[loanFee],
'loan-original-fees': values.prices_without_tax[loanFee] || values.prices[loanFee],
'loan-total': loan_total_without_tax,
};
}
if (apr == true) { //calculate apr for Payday
var recalcVersion = 0;
if (bag[-42]) {
bag[-42].forEach(function (version) {
if (version.product_id == 1) {
recalcVersion = version.recalc_version;
}
});
}
var daysInYear = recalcVersion >= 3.1 ? 366 : 365;
var discounted_params = parseFloat(bag[-3]) + parseFloat(bag['additional-apr-calculation-cost'] || 0) + parseFloat(values.discounted[loanFee] || 0) + parseFloat(values.discounted[interestFee] || 0);
if (preparationFee) {
discounted_params = discounted_params + parseFloat(values.discounted[preparationFee] || 0);
}
ret['loan-apr'] = this.aprForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), discounted_params, daysInYear);
ret['loan-ar'] = this.arForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), discounted_params, daysInYear);
ret['loan-rpy'] = this.rpyForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), discounted_params, daysInYear);
ret['loan-rpm'] = this.rpmForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), discounted_params, daysInYear);
ret['loan-rpd'] = this.rpdForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), discounted_params);
var original_params = parseFloat(bag[-3]) + parseFloat(bag['additional-apr-calculation-cost'] || 0) + parseFloat(values.prices[loanFee] || 0) + parseFloat(values.prices[interestFee] || 0);
if (preparationFee) {
original_params = original_params + parseFloat(values.prices[preparationFee] || 0);
}
ret['loan-apr-original'] = this.aprForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), original_params, daysInYear);
ret['loan-ar-original'] = this.arForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), original_params, daysInYear);
ret['loan-rpy-original'] = this.rpyForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), original_params, daysInYear);
ret['loan-rpm-original'] = this.rpmForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), original_params, daysInYear);
ret['loan-rpd-original'] = this.rpdForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), original_params);
if ((bag[-15] || false) != false) {
discounted_params = parseFloat(bag[-3]) +
parseFloat(bag['additional-apr-calculation-cost'] || 0) +
(!values.discounted_without_tax[loanFee] ? parseFloat(values.discounted[loanFee] || 0) : parseFloat(values.discounted_without_tax[loanFee] || 0)) +
(!values.discounted_without_tax[interestFee] ? parseFloat(values.discounted[interestFee] || 0) : parseFloat(values.discounted_without_tax[interestFee] || 0));
if (preparationFee) {
discounted_params = discounted_params + (!values.discounted_without_tax[preparationFee] ? parseFloat(values.discounted[preparationFee] || 0) : parseFloat(values.discounted_without_tax[preparationFee] || 0));
}
ret['loan-apr'] = this.aprForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), discounted_params, daysInYear);
original_params = parseFloat(bag[-3]) +
parseFloat(bag['additional-apr-calculation-cost'] || 0) +
(!values.prices_without_tax[loanFee] ? parseFloat(values.prices[loanFee] || 0) : parseFloat(values.prices_without_tax[loanFee] || 0)) +
(!values.prices_without_tax[interestFee] ? parseFloat(values.prices[interestFee] || 0) : parseFloat(values.prices_without_tax[interestFee] || 0));
if (preparationFee) {
original_params = original_params + (!values.prices_without_tax[preparationFee] ? parseFloat(values.prices[preparationFee] || 0) : parseFloat(values.prices_without_tax[preparationFee] || 0));
}
ret['loan-apr-original'] = this.aprForPayday(parseFloat(bag[-3]), parseFloat(bag[-2]), original_params, daysInYear);
}
}
let baseDate = bag['calculation-date'] ? new Date(bag['calculation-date']) : new Date();
baseDate.setDate(baseDate.getDate() + bag[-2]);
ret['loan-duedate'] = new Date(baseDate);
return ret;
},
fields: {
423: 'Amount',
460: 'Status',
799: 'Loan count',
802: 'Delay',
1217: 'Id',
2438: 'Is First Loan',
2538: 'Verification Mode',
2593: 'Dc Category',
2788: 'Open principal',
2789: 'Original loan fees',
3141: 'Product',
3251: 'Has Open Payday Loan',
3252: 'Has Open Creditline',
3253: 'Has Open Installment Loan',
3256: 'Next installment remaining debt',
3353: 'Installment Delay',
3626: 'Extension Count',
4054: 'Cost loan fees',
4102: 'Late installment remaining debt (w/o LF)',
4190: 'Fee sum without principal',
5266: 'is active early settlement',
6054: 'Last Instantor Succesful Verification',
7560: 'is_force_settled',
},
dateValidationDefinition: 
{
evaluate: function (bag) {
var control = { canceled: false, quit: false };
(function () {
bag["isValid"]();
})();
return control;
},
freshBag: function (bag, date_to_check) {
var n = {
date_to_check: date_to_check,
holidays: [],
valid: false,
confirmDate: function (checkDate) {
var resultDate = null;
if (checkDate === null) {
checkDate = "1900-01-01";
}
// Check if it is a correct Date object
if (checkDate instanceof Date && !isNaN(checkDate.getMonth())) {
resultDate = checkDate;
}
if (typeof checkDate === 'string') {
resultDate = new Date(checkDate);
// Check if it is a correct date
if (isNaN(resultDate.getMonth())) {
resultDate = new Date("1900-01-01");
}
}
if (resultDate === null) {
resultDate = new Date("1900-01-01");
}
resultDate = new Date(this.getDateToString(resultDate));
resultDate.setMinutes(resultDate.getMinutes() + resultDate.getTimezoneOffset());
return resultDate;
},
getDateToString: function (date) {
return date.getFullYear() + '-' + ("0" + (date.getMonth() + 1 )).slice(-2) + '-' + ("0" + date.getDate()).slice(-2);
},
getValidDateToString: function () {
if (!this.valid) {
return null;
}
var date = this.confirmDate(this.date_to_check);
return this.getDateToString(date);
},
getDay: function () {
var date = this.confirmDate(this.date_to_check);
return date.getDate();
},
getMonth: function () {
var date = this.confirmDate(this.date_to_check);
// date.getMonth is 0-indexed
return (date.getMonth() + 1);
},
getYear: function () {
var date = this.confirmDate(this.date_to_check);
return date.getFullYear();
},
getDayOfWeek: function () {
var date = this.confirmDate(this.date_to_check);
return date.getDay();
},
daysInCurrentMonth: function () {
var date = this.confirmDate(new Date());
return new Date(date.getFullYear(), date.getMonth() + 1, 0).getDate();
},
isHoliday: function () {
var date = this.confirmDate(this.date_to_check);
for(var i = 0; i < this.holidays.length; ++i) {
holiday = this.confirmDate(this.holidays[i]);
if (Date.parse(date) === Date.parse(holiday)) {
return true;
}
}
return false;
},
daysFromNow: function () {
var now = this.confirmDate(new Date());
var dateToCheck = this.confirmDate(this.date_to_check);
var diff = Date.UTC(now.getFullYear(), now.getMonth(), now.getDate()) - Date.UTC(dateToCheck.getFullYear(), dateToCheck.getMonth(), dateToCheck.getDate());
return (Math.floor(diff / (24 * 60 * 60 * 1000)) * -1);
},
isValid: function () {
this.valid = true;
}
};
for (var id in bag) {
if (!(id in n)) {
n[id] = bag[id];
}
}
return n;
},
getRange: function (wished_range) {
var max_range = 50;
if (wished_range === null || wished_range > max_range || wished_range < 1) {
return max_range;
}
return wished_range;
},
getOffset: function (wished_offset) {
var min_offset = 0;
if (wished_offset === null || wished_offset < min_offset) {
return min_offset;
}
return wished_offset;
},
getValidDates: function (bag, offset, range) {
range = this.getRange(range);
var date = new Date();
date.setDate(date.getDate() + parseInt(this.getOffset(offset)));
var validDays = [];
for (var i = 0; i < range; i++) {
var _date = new Date(date);
_date.setDate(_date.getDate() + i);
var ibag = this.freshBag(bag, _date);
this.evaluate(ibag);
if (ibag.valid) {
validDays.push(ibag.getValidDateToString());
}
}
return validDays;
},
},
},
};
})();
;