P-ragati commented on code in PR #5693:
URL: https://github.com/apache/fineract/pull/5693#discussion_r2992758204
##########
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/serialization/LoanDisbursementValidator.java:
##########
@@ -39,29 +40,59 @@ public void
compareDisbursedToApprovedOrProposedPrincipal(final Loan loan, final
final BigDecimal totalCapitalizedIncomeAdjustment =
MathUtil.nullToZero(loan.getSummary().getTotalCapitalizedIncomeAdjustment());
final BigDecimal netCapitalizedIncome =
totalCapitalizedIncome.subtract(totalCapitalizedIncomeAdjustment);
- if (loan.loanProduct().isAllowApprovedDisbursedAmountsOverApplied()) {
- // Validate total disbursed amount (after this transaction)
against max allowed
- validateOverMaximumAmount(loan, totalDisbursed,
netCapitalizedIncome);
- } else {
- if ((totalDisbursed.compareTo(loan.getApprovedPrincipal()) > 0)
- ||
(totalDisbursed.add(netCapitalizedIncome).compareTo(loan.getApprovedPrincipal())
> 0)) {
- final String errorMsg = "Loan can't be disbursed, disburse
amount is exceeding approved principal.";
- throw new LoanDisbursalException(errorMsg,
"disburse.amount.must.be.less.than.approved.principal", totalDisbursed,
- loan.getApprovedPrincipal());
+ // Always use the same logic for over-applied config and fallback
+ LoanProduct loanProduct = loan.getLoanProduct();
+ BigDecimal approvedPrincipal = loan.getApprovedPrincipal();
+ BigDecimal maxAllowed = approvedPrincipal;
+
+ if (loanProduct.getOverAppliedCalculationType() != null &&
loanProduct.getOverAppliedNumber() != null) {
+ BigDecimal overAppliedNumber =
BigDecimal.valueOf(loanProduct.getOverAppliedNumber());
+ if
("percentage".equalsIgnoreCase(loanProduct.getOverAppliedCalculationType())) {
+ BigDecimal extra =
approvedPrincipal.multiply(overAppliedNumber).divide(BigDecimal.valueOf(100));
+ maxAllowed = approvedPrincipal.add(extra);
+ } else {
+ // ABSOLUTE (flat)
+ maxAllowed = approvedPrincipal.add(overAppliedNumber);
}
}
+
+ BigDecimal total = totalDisbursed.add(netCapitalizedIncome);
+ if (maxAllowed == null) {
+ maxAllowed = approvedPrincipal;
+ }
Review Comment:
Updated. The logic now respects isAllowApprovedDisbursedAmountsOverApplied()
and delegates max calculation to
loanApplicationValidator.getOverAppliedMax(loan) to preserve existing behavior.
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