Merge pull request #23213 from deepeshgarg007/loan_disbursement_utility
feat: Utility function to get possible loan disbursal amount
This commit is contained in:
Deepesh Garg
GitHub
commit
d1b88af5b6
@ -17,6 +17,7 @@ from erpnext.loan_management.doctype.process_loan_security_shortfall.process_loa
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from erpnext.loan_management.doctype.loan.loan import create_loan_security_unpledge
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from erpnext.loan_management.doctype.loan_security_unpledge.loan_security_unpledge import get_pledged_security_qty
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from erpnext.loan_management.doctype.loan_application.loan_application import create_pledge
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from erpnext.loan_management.doctype.loan_disbursement.loan_disbursement import get_disbursal_amount
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class TestLoan(unittest.TestCase):
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def setUp(self):
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@ -323,6 +324,56 @@ class TestLoan(unittest.TestCase):
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self.assertEqual(loan.status, 'Closed')
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self.assertEquals(sum(pledged_qty.values()), 0)
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def test_disbursal_check_with_shortfall(self):
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pledges = [{
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"loan_security": "Test Security 2",
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"qty": 8000.00,
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"haircut": 50,
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}]
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loan_application = create_loan_application('_Test Company', self.applicant2,
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'Stock Loan', pledges, "Repay Over Number of Periods", 12)
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create_pledge(loan_application)
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loan = create_loan_with_security(self.applicant2, "Stock Loan", "Repay Over Number of Periods", 12, loan_application)
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loan.submit()
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#Disbursing 7,00,000 from the allowed 10,00,000 according to security pledge
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make_loan_disbursement_entry(loan.name, 700000)
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frappe.db.sql("""UPDATE `tabLoan Security Price` SET loan_security_price = 100
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where loan_security='Test Security 2'""")
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create_process_loan_security_shortfall()
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loan_security_shortfall = frappe.get_doc("Loan Security Shortfall", {"loan": loan.name})
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self.assertTrue(loan_security_shortfall)
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self.assertEqual(get_disbursal_amount(loan.name), 0)
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frappe.db.sql(""" UPDATE `tabLoan Security Price` SET loan_security_price = 250
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where loan_security='Test Security 2'""")
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def test_disbursal_check_without_shortfall(self):
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pledges = [{
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"loan_security": "Test Security 2",
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"qty": 8000.00,
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"haircut": 50,
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}]
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loan_application = create_loan_application('_Test Company', self.applicant2,
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'Stock Loan', pledges, "Repay Over Number of Periods", 12)
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create_pledge(loan_application)
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loan = create_loan_with_security(self.applicant2, "Stock Loan", "Repay Over Number of Periods", 12, loan_application)
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loan.submit()
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#Disbursing 7,00,000 from the allowed 10,00,000 according to security pledge
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make_loan_disbursement_entry(loan.name, 700000)
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self.assertEqual(get_disbursal_amount(loan.name), 300000)
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def create_loan_accounts():
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if not frappe.db.exists("Account", "Loans and Advances (Assets) - _TC"):
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@ -33,18 +33,18 @@ frappe.ui.form.on('Loan Application', {
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if (frm.doc.is_secured_loan) {
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frappe.db.get_value("Loan Security Pledge", {"loan_application": frm.doc.name, "docstatus": 1}, "name", (r) => {
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if (!r) {
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if (Object.keys(r).length === 0) {
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frm.add_custom_button(__('Loan Security Pledge'), function() {
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frm.trigger('create_loan_security_pledge')
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frm.trigger('create_loan_security_pledge');
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},__('Create'))
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}
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});
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}
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frappe.db.get_value("Loan", {"loan_application": frm.doc.name, "docstatus": 1}, "name", (r) => {
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if (!r) {
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if (Object.keys(r).length === 0) {
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frm.add_custom_button(__('Loan'), function() {
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frm.trigger('create_loan')
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frm.trigger('create_loan');
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},__('Create'))
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} else {
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frm.set_df_property('status', 'read_only', 1);
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@ -54,7 +54,7 @@ frappe.ui.form.on('Loan Application', {
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},
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create_loan: function(frm) {
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if (frm.doc.status != "Approved") {
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frappe.throw(__("Cannot create loan until application is approved"))
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frappe.throw(__("Cannot create loan until application is approved"));
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}
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frappe.model.open_mapped_doc({
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@ -67,28 +67,10 @@ class LoanDisbursement(AccountsController):
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disbursed_amount = self.disbursed_amount + loan_details.disbursed_amount
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total_payment = loan_details.total_payment
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if disbursed_amount > loan_details.loan_amount and loan_details.is_term_loan:
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frappe.throw(_("Disbursed Amount cannot be greater than loan amount"))
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possible_disbursal_amount = get_disbursal_amount(self.against_loan)
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if loan_details.status == 'Disbursed':
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pending_principal_amount = flt(loan_details.total_payment) - flt(loan_details.total_interest_payable) \
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- flt(loan_details.total_principal_paid)
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else:
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pending_principal_amount = loan_details.disbursed_amount
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security_value = 0.0
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if loan_details.is_secured_loan:
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security_value = get_total_pledged_security_value(self.against_loan)
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if not security_value:
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security_value = loan_details.loan_amount
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if pending_principal_amount + self.disbursed_amount > flt(security_value):
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allowed_amount = security_value - pending_principal_amount
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if allowed_amount < 0:
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allowed_amount = 0
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frappe.throw(_("Disbursed Amount cannot be greater than {0}").format(allowed_amount))
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if self.disbursed_amount > possible_disbursal_amount:
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frappe.throw(_("Disbursed Amount cannot be greater than {0}").format(possible_disbursal_amount))
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if loan_details.status == "Disbursed" and not loan_details.is_term_loan:
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process_loan_interest_accrual_for_demand_loans(posting_date=add_days(self.disbursement_date, -1),
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@ -176,3 +158,32 @@ def get_total_pledged_security_value(loan):
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security_value += (loan_security_price_map.get(security) * qty * hair_cut_map.get(security))/100
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return security_value
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@frappe.whitelist()
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def get_disbursal_amount(loan):
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loan_details = frappe.get_all("Loan", fields = ["loan_amount", "disbursed_amount", "total_payment",
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"total_principal_paid", "total_interest_payable", "status", "is_term_loan", "is_secured_loan"],
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filters= { "name": loan })[0]
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if loan_details.is_secured_loan and frappe.get_all('Loan Security Shortfall', filters={'loan': loan,
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'status': 'Pending'}):
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return 0
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if loan_details.status == 'Disbursed':
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pending_principal_amount = flt(loan_details.total_payment) - flt(loan_details.total_interest_payable) \
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- flt(loan_details.total_principal_paid)
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else:
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pending_principal_amount = flt(loan_details.disbursed_amount)
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security_value = 0.0
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if loan_details.is_secured_loan:
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security_value = get_total_pledged_security_value(loan)
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if not security_value and not loan_details.is_secured_loan:
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security_value = flt(loan_details.loan_amount)
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disbursal_amount = flt(security_value) - flt(pending_principal_amount)
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return disbursal_amount
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@ -85,8 +85,11 @@ def calculate_accrual_amount_for_demand_loans(loan, posting_date, process_loan_i
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if no_of_days <= 0:
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return
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pending_principal_amount = flt(loan.total_payment) - flt(loan.total_interest_payable) \
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- flt(loan.total_principal_paid)
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if loan.status == 'Disbursed':
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pending_principal_amount = flt(loan.total_payment) - flt(loan.total_interest_payable) \
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- flt(loan.total_principal_paid)
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else:
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pending_principal_amount = loan.disbursed_amount
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interest_per_day = (pending_principal_amount * loan.rate_of_interest) / (days_in_year(get_datetime(posting_date).year) * 100)
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payable_interest = interest_per_day * no_of_days
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@ -107,7 +110,7 @@ def calculate_accrual_amount_for_demand_loans(loan, posting_date, process_loan_i
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def make_accrual_interest_entry_for_demand_loans(posting_date, process_loan_interest, open_loans=None, loan_type=None):
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query_filters = {
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"status": "Disbursed",
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"status": ('in', ['Disbursed', 'Partially Disbursed']),
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"docstatus": 1
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}
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@ -118,8 +121,9 @@ def make_accrual_interest_entry_for_demand_loans(posting_date, process_loan_inte
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if not open_loans:
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open_loans = frappe.get_all("Loan",
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fields=["name", "total_payment", "total_amount_paid", "loan_account", "interest_income_account", "is_term_loan",
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"disbursement_date", "applicant_type", "applicant", "rate_of_interest", "total_interest_payable", "repayment_start_date"],
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fields=["name", "total_payment", "total_amount_paid", "loan_account", "interest_income_account",
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"is_term_loan", "status", "disbursement_date", "disbursed_amount", "applicant_type", "applicant",
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"rate_of_interest", "total_interest_payable", "total_principal_paid", "repayment_start_date"],
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filters=query_filters)
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for loan in open_loans:
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@ -281,7 +281,7 @@ def get_amounts(amounts, against_loan, posting_date, payment_type):
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due_date = add_days(entry.posting_date, 1)
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no_of_late_days = date_diff(posting_date,
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add_days(due_date, loan_type_details.grace_period_in_days))
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add_days(due_date, loan_type_details.grace_period_in_days))
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if no_of_late_days > 0 and (not against_loan_doc.repay_from_salary):
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penalty_amount += (entry.interest_amount * (loan_type_details.penalty_interest_rate / 100) * no_of_late_days)/365
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@ -297,7 +297,10 @@ def get_amounts(amounts, against_loan, posting_date, payment_type):
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if not final_due_date:
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final_due_date = add_days(due_date, loan_type_details.grace_period_in_days)
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pending_principal_amount = against_loan_doc.total_payment - against_loan_doc.total_principal_paid - against_loan_doc.total_interest_payable
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if against_loan_doc.status == 'Disbursed':
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pending_principal_amount = against_loan_doc.total_payment - against_loan_doc.total_principal_paid - against_loan_doc.total_interest_payable
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else:
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pending_principal_amount = against_loan_doc.disbursed_amount
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if payment_type == "Loan Closure":
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if due_date:
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@ -4,7 +4,7 @@
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from __future__ import unicode_literals
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import frappe
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from frappe.utils import get_datetime
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from frappe.utils import get_datetime, flt
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from frappe.model.document import Document
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from six import iteritems
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from erpnext.loan_management.doctype.loan_security_unpledge.loan_security_unpledge import get_pledged_security_qty
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@ -51,13 +51,19 @@ def check_for_ltv_shortfall(process_loan_security_shortfall):
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"valid_upto": (">=", update_time)
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}, as_list=1))
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loans = frappe.get_all('Loan', fields=['name', 'loan_amount', 'total_principal_paid'],
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filters={'status': 'Disbursed', 'is_secured_loan': 1})
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loans = frappe.get_all('Loan', fields=['name', 'loan_amount', 'total_principal_paid', 'total_payment',
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'total_interest_payable', 'disbursed_amount', 'status'],
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filters={'status': ('in',['Disbursed','Partially Disbursed']), 'is_secured_loan': 1})
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loan_security_map = {}
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for loan in loans:
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outstanding_amount = loan.loan_amount - loan.total_principal_paid
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if loan.status == 'Disbursed':
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outstanding_amount = flt(loan.total_payment) - flt(loan.total_interest_payable) \
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- flt(loan.total_principal_paid)
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else:
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outstanding_amount = loan.disbursed_amount
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pledged_securities = get_pledged_security_qty(loan.name)
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ltv_ratio = ''
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security_value = 0.0
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