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(coll, fina, repa, shark, disloan): Fix calculation of regular and

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extended (beyond due date) loan time.  At the due date, or after a
last payment made at the due date, durations were zero in fina() and
unpredictable elsewhere.  With luck, debtors could abuse this to repay
loans cheap (they couldn't gain cash, though), sharks to purchase
loans cheap, and creditors to collect excessively.
This commit is contained in:
Markus Armbruster 2004-08-20 07:01:26 +00:00
parent ef0060ec57
commit fcbe36e76c
5 changed files with 54 additions and 72 deletions
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26
src/lib/subs/disloan.c
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@ -54,8 +54,6 @@ int
disloan(int n, register struct lonstr *loan)
{
time_t now;
time_t due;
time_t lastpaydate;
time_t normaltime;
time_t doubletime;
time_t accept;
@ -85,20 +83,18 @@ disloan(int n, register struct lonstr *loan)
pr("Loan must be accepted by %s", ctime(&accept));
return 1;
}
due = loan->l_duedate;
lastpaydate = loan->l_lastpay;
if (now < due) {
normaltime = now - lastpaydate;
doubletime = 0;
}
if (lastpaydate < due && due < now) {
normaltime = due - lastpaydate;
doubletime = now - due;
}
if (due < lastpaydate) {
/*
* split duration now - l_lastpay into regular (up to l_duedate)
* and extended (beyond l_duedate)
*/
normaltime = loan->l_duedate - loan->l_lastpay;
doubletime = now - loan->l_duedate;
if (normaltime < 0) {
doubletime += normaltime;
normaltime = 0;
doubletime = now - lastpaydate;
}
rate = ((double)loan->l_irate / 100.0) / (loan->l_ldur * SECS_PER_DAY);
owe = ((double)loan->l_amtdue *
(((double)normaltime * rate + 1.0) +
@ -107,7 +103,7 @@ disloan(int n, register struct lonstr *loan)
pr("Amount due (if paid now) $%.2f", owe);
if (doubletime == 0) {
pr(" (if paid on due date) $%.2f\n",
loan->l_amtdue * ((due - lastpaydate) * rate + 1.0));
loan->l_amtdue * ((loan->l_duedate - loan->l_lastpay) * rate + 1.0));
pr("Due date is %s", ctime(&loan->l_duedate));
} else
pr(" ** In Arrears **\n");