# Copyright 2018 Creu Blanca # License AGPL-3.0 or later (http://www.gnu.org/licenses/agpl.html). import logging from dateutil.relativedelta import relativedelta from odoo import fields from odoo.exceptions import UserError from odoo.tests import TransactionCase, tagged _logger = logging.getLogger(__name__) try: import numpy_financial except (ImportError, IOError) as err: _logger.error(err) @tagged("post_install", "-at_install") class TestLoan(TransactionCase): def setUp(self): super().setUp() self.company = self.browse_ref("base.main_company") self.company_02 = self.env["res.company"].create({"name": "Auxiliar company"}) self.journal = self.env["account.journal"].create( { "company_id": self.company.id, "type": "purchase", "name": "Debts", "code": "DBT", } ) self.loan_account = self.create_account( "DEP", "depreciation", self.browse_ref("account.data_account_type_current_liabilities").id, ) self.payable_account = self.create_account( "PAY", "payable", self.browse_ref("account.data_account_type_payable").id ) self.asset_account = self.create_account( "ASSET", "asset", self.browse_ref("account.data_account_type_payable").id ) self.interests_account = self.create_account( "FEE", "Fees", self.browse_ref("account.data_account_type_expenses").id ) self.lt_loan_account = self.create_account( "LTD", "Long term depreciation", self.browse_ref("account.data_account_type_non_current_liabilities").id, ) self.partner = self.env["res.partner"].create({"name": "Bank"}) self.product = self.env["product.product"].create( {"name": "Payment", "type": "service"} ) self.interests_product = self.env["product.product"].create( {"name": "Bank fee", "type": "service"} ) def test_onchange(self): loan = self.env["account.loan"].new( { "name": "LOAN", "company_id": self.company.id, "journal_id": self.journal.id, "loan_type": "fixed-annuity", "loan_amount": 100, "rate": 1, "periods": 2, "short_term_loan_account_id": self.loan_account.id, "interest_expenses_account_id": self.interests_account.id, "product_id": self.product.id, "interests_product_id": self.interests_product.id, "partner_id": self.partner.id, } ) journal = loan.journal_id.id loan.is_leasing = True loan._onchange_is_leasing() self.assertNotEqual(journal, loan.journal_id.id) loan.company_id = self.company_02 loan._onchange_company() self.assertFalse(loan.interest_expenses_account_id) def test_round_on_end(self): loan = self.create_loan("fixed-annuity", 500000, 1, 60) loan.round_on_end = True loan.compute_lines() line_1 = loan.line_ids.filtered(lambda r: r.sequence == 1) for line in loan.line_ids: self.assertAlmostEqual(line_1.payment_amount, line.payment_amount, 2) loan.loan_type = "fixed-principal" loan.compute_lines() line_1 = loan.line_ids.filtered(lambda r: r.sequence == 1) line_end = loan.line_ids.filtered(lambda r: r.sequence == 60) self.assertNotAlmostEqual(line_1.payment_amount, line_end.payment_amount, 2) loan.loan_type = "interest" loan.compute_lines() line_1 = loan.line_ids.filtered(lambda r: r.sequence == 1) line_end = loan.line_ids.filtered(lambda r: r.sequence == 60) self.assertEqual(line_1.principal_amount, 0) self.assertEqual(line_end.principal_amount, 500000) def test_pay_amount_validation(self): amount = 10000 periods = 24 loan = self.create_loan("fixed-annuity", amount, 1, periods) self.assertTrue(loan.line_ids) self.assertEqual(len(loan.line_ids), periods) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertAlmostEqual( -numpy_financial.pmt(1 / 100 / 12, 24, 10000), line.payment_amount, 2 ) self.assertEqual(line.long_term_principal_amount, 0) loan.long_term_loan_account_id = self.lt_loan_account loan.compute_lines() line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertGreater(line.long_term_principal_amount, 0) self.post(loan) self.assertTrue(loan.start_date) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertTrue(line) self.assertFalse(line.move_ids) wzd = self.env["account.loan.generate.wizard"].create({}) action = wzd.run() self.assertTrue(action) self.assertFalse(wzd.run()) self.assertTrue(line.move_ids) self.assertIn(line.move_ids.id, action["domain"][0][2]) self.assertTrue(line.move_ids) self.assertEqual(line.move_ids.state, "posted") with self.assertRaises(UserError): self.env["account.loan.pay.amount"].create( { "loan_id": loan.id, "amount": (amount - amount / periods) / 2, "fees": 100, "date": line.date + relativedelta(months=-1), } ).run() with self.assertRaises(UserError): self.env["account.loan.pay.amount"].create( {"loan_id": loan.id, "amount": amount, "fees": 100, "date": line.date} ).run() with self.assertRaises(UserError): self.env["account.loan.pay.amount"].create( {"loan_id": loan.id, "amount": 0, "fees": 100, "date": line.date} ).run() with self.assertRaises(UserError): self.env["account.loan.pay.amount"].create( {"loan_id": loan.id, "amount": -100, "fees": 100, "date": line.date} ).run() def test_fixed_annuity_begin_loan(self): amount = 10000 periods = 24 loan = self.create_loan("fixed-annuity-begin", amount, 1, periods) self.assertTrue(loan.line_ids) self.assertEqual(len(loan.line_ids), periods) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertAlmostEqual( -numpy_financial.pmt(1 / 100 / 12, 24, 10000, when="begin"), line.payment_amount, 2, ) self.assertEqual(line.long_term_principal_amount, 0) loan.long_term_loan_account_id = self.lt_loan_account loan.compute_lines() line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertGreater(line.long_term_principal_amount, 0) self.post(loan) self.assertTrue(loan.start_date) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertTrue(line) self.assertFalse(line.move_ids) wzd = self.env["account.loan.generate.wizard"].create({}) action = wzd.run() self.assertTrue(action) self.assertFalse(wzd.run()) self.assertTrue(line.move_ids) self.assertIn(line.move_ids.id, action["domain"][0][2]) self.assertTrue(line.move_ids) self.assertEqual(line.move_ids.state, "posted") loan.rate = 2 loan.compute_lines() line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertAlmostEqual( -numpy_financial.pmt(1 / 100 / 12, periods, amount, when="begin"), line.payment_amount, 2, ) line = loan.line_ids.filtered(lambda r: r.sequence == 2) self.assertAlmostEqual( -numpy_financial.pmt( 2 / 100 / 12, periods - 1, line.pending_principal_amount, when="begin" ), line.payment_amount, 2, ) line = loan.line_ids.filtered(lambda r: r.sequence == 3) with self.assertRaises(UserError): line.view_process_values() def test_fixed_annuity_loan(self): amount = 10000 periods = 24 loan = self.create_loan("fixed-annuity", amount, 1, periods) self.assertTrue(loan.line_ids) self.assertEqual(len(loan.line_ids), periods) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertAlmostEqual( -numpy_financial.pmt(1 / 100 / 12, 24, 10000), line.payment_amount, 2 ) self.assertEqual(line.long_term_principal_amount, 0) loan.long_term_loan_account_id = self.lt_loan_account loan.compute_lines() line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertGreater(line.long_term_principal_amount, 0) self.post(loan) self.assertTrue(loan.start_date) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertTrue(line) self.assertFalse(line.move_ids) wzd = self.env["account.loan.generate.wizard"].create({}) action = wzd.run() self.assertTrue(action) self.assertFalse(wzd.run()) self.assertTrue(line.move_ids) self.assertIn(line.move_ids.id, action["domain"][0][2]) self.assertTrue(line.move_ids) self.assertEqual(line.move_ids.state, "posted") loan.rate = 2 loan.compute_lines() line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertAlmostEqual( -numpy_financial.pmt(1 / 100 / 12, periods, amount), line.payment_amount, 2 ) line = loan.line_ids.filtered(lambda r: r.sequence == 2) self.assertAlmostEqual( -numpy_financial.pmt( 2 / 100 / 12, periods - 1, line.pending_principal_amount ), line.payment_amount, 2, ) line = loan.line_ids.filtered(lambda r: r.sequence == 3) with self.assertRaises(UserError): line.view_process_values() def test_fixed_principal_loan_leasing(self): amount = 24000 periods = 24 loan = self.create_loan("fixed-principal", amount, 1, periods) self.partner.property_account_payable_id = self.payable_account self.assertEqual(loan.journal_type, "general") loan.is_leasing = True loan.post_invoice = False self.assertEqual(loan.journal_type, "purchase") loan.long_term_loan_account_id = self.lt_loan_account loan.rate_type = "real" loan.compute_lines() self.assertTrue(loan.line_ids) self.assertEqual(len(loan.line_ids), periods) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertEqual(amount / periods, line.principal_amount) self.assertEqual(amount / periods, line.long_term_principal_amount) self.post(loan) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertTrue(line) self.assertFalse(line.has_invoices) self.assertFalse(line.has_moves) action = ( self.env["account.loan.generate.wizard"] .create( { "date": fields.date.today() + relativedelta(days=1), "loan_type": "leasing", } ) .run() ) self.assertTrue(line.has_invoices) self.assertTrue(line.has_moves) self.assertIn(line.move_ids.id, action["domain"][0][2]) loan.refresh() with self.assertRaises(UserError): self.env["account.loan.pay.amount"].create( { "loan_id": loan.id, "amount": (amount - amount / periods) / 2, "fees": 100, "date": loan.line_ids.filtered(lambda r: r.sequence == 2).date, } ).run() with self.assertRaises(UserError): self.env["account.loan.pay.amount"].create( { "loan_id": loan.id, "amount": (amount - amount / periods) / 2, "fees": 100, "date": loan.line_ids.filtered(lambda r: r.sequence == 1).date + relativedelta(months=-1), } ).run() self.assertTrue(line.move_ids) self.assertEqual(line.move_ids.state, "draft") self.assertTrue(line.has_moves) line.move_ids.action_post() self.assertEqual(line.move_ids.state, "posted") self.assertIn( line.move_ids.id, self.env["account.move"].search(loan.view_account_moves()["domain"]).ids, ) self.assertEqual( line.move_ids.id, self.env["account.move"].search(loan.view_account_invoices()["domain"]).id, ) with self.assertRaises(UserError): self.env["account.loan.pay.amount"].create( { "loan_id": loan.id, "amount": (amount - amount / periods) / 2, "fees": 100, "date": loan.line_ids.filtered( lambda r: r.sequence == periods ).date, } ).run() self.env["account.loan.pay.amount"].create( { "loan_id": loan.id, "amount": (amount - amount / periods) / 2, "date": line.date, "fees": 100, } ).run() line = loan.line_ids.filtered(lambda r: r.sequence == 2) self.assertEqual(loan.periods, periods + 1) self.assertAlmostEqual( line.principal_amount, (amount - amount / periods) / 2, 2 ) line = loan.line_ids.filtered(lambda r: r.sequence == 3) self.assertEqual(amount / periods / 2, line.principal_amount) line = loan.line_ids.filtered(lambda r: r.sequence == 4) with self.assertRaises(UserError): line.view_process_values() def test_fixed_principal_loan_auto_post_leasing(self): amount = 24000 periods = 24 loan = self.create_loan("fixed-principal", amount, 1, periods) self.partner.property_account_payable_id = self.payable_account self.assertEqual(loan.journal_type, "general") loan.is_leasing = True self.assertEqual(loan.journal_type, "purchase") loan.long_term_loan_account_id = self.lt_loan_account loan.rate_type = "real" loan.compute_lines() self.assertTrue(loan.line_ids) self.assertEqual(len(loan.line_ids), periods) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertEqual(amount / periods, line.principal_amount) self.assertEqual(amount / periods, line.long_term_principal_amount) self.post(loan) line = loan.line_ids.filtered(lambda r: r.sequence == 1) self.assertTrue(line) self.assertFalse(line.has_invoices) self.assertFalse(line.has_moves) self.env["account.loan.generate.wizard"].create( {"date": fields.date.today(), "loan_type": "leasing"} ).run() self.assertTrue(line.has_invoices) self.assertTrue(line.has_moves) def test_interests_on_end_loan(self): amount = 10000 periods = 10 loan = self.create_loan("interest", amount, 1, periods) loan.payment_on_first_period = False loan.start_date = fields.Date.today() loan.rate_type = "ear" loan.compute_lines() self.assertTrue(loan.line_ids) self.assertEqual(len(loan.line_ids), periods) self.assertEqual(0, loan.line_ids[0].principal_amount) self.assertEqual( amount, loan.line_ids.filtered(lambda r: r.sequence == periods).principal_amount, ) self.post(loan) self.assertEqual(loan.payment_amount, 0) self.assertEqual(loan.interests_amount, 0) self.assertEqual(loan.pending_principal_amount, amount) self.assertFalse(loan.line_ids.filtered(lambda r: r.date <= loan.start_date)) for line in loan.line_ids: self.assertEqual(loan.state, "posted") line.view_process_values() self.assertTrue(line.move_ids) self.assertEqual(line.move_ids.state, "posted") self.assertEqual(loan.state, "closed") loan.refresh() self.assertEqual(loan.payment_amount - loan.interests_amount, amount) self.assertEqual(loan.pending_principal_amount, 0) def test_cancel_loan(self): amount = 10000 periods = 10 loan = self.create_loan("fixed-annuity", amount, 1, periods) self.post(loan) line = loan.line_ids.filtered(lambda r: r.sequence == 1) line.view_process_values() self.assertTrue(line.move_ids) self.assertEqual(line.move_ids.state, "posted") pay = self.env["account.loan.pay.amount"].create( {"loan_id": loan.id, "amount": 0, "fees": 100, "date": line.date} ) pay.cancel_loan = True pay._onchange_cancel_loan() self.assertEqual(pay.amount, line.final_pending_principal_amount) pay.run() self.assertEqual(loan.state, "cancelled") def post(self, loan): self.assertFalse(loan.move_ids) post = ( self.env["account.loan.post"] .with_context(default_loan_id=loan.id) .create({}) ) post.run() self.assertTrue(loan.move_ids) with self.assertRaises(UserError): post.run() def create_account(self, code, name, type_id): return self.env["account.account"].create( { "company_id": self.company.id, "name": name, "code": code, "user_type_id": type_id, "reconcile": True, } ) def create_loan(self, type_loan, amount, rate, periods): loan = self.env["account.loan"].create( { "journal_id": self.journal.id, "rate_type": "napr", "loan_type": type_loan, "loan_amount": amount, "payment_on_first_period": True, "rate": rate, "periods": periods, "leased_asset_account_id": self.asset_account.id, "short_term_loan_account_id": self.loan_account.id, "interest_expenses_account_id": self.interests_account.id, "product_id": self.product.id, "interests_product_id": self.interests_product.id, "partner_id": self.partner.id, } ) loan.compute_lines() return loan