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+/*
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package mortgage;
+
+import org.osoa.sca.annotations.Property;
+import org.osoa.sca.annotations.Reference;
+import org.osoa.sca.annotations.Scope;
+import org.osoa.sca.annotations.Service;
+
+/**
+ * An implementation of the LoanApproval service.
+ */
+@Scope("MODULE")
+@Service(LoanApproval.class)
+public class LoanApprovalImpl implements LoanApproval {
+
+ private CreditCheck creditCheck;
+ private RiskAssessment riskAssessment;
+ private MortgageCalculator mortgageCalculator;
+ private InterestRateQuote interestRateQuote;
+
+ private int minimumCreditScore = 650;
+
+ @Property(name = "minimumCreditScore")
+ public void setMinimumCreditScore(int minimumCreditScore) {
+ this.minimumCreditScore = minimumCreditScore;
+ }
+
+ @Reference
+ public void setCreditCheck(CreditCheck creditCheck) {
+ this.creditCheck = creditCheck;
+ }
+
+ @Reference
+ public void setInterestRateQuote(InterestRateQuote interestRateQuote) {
+ this.interestRateQuote = interestRateQuote;
+ }
+
+ @Reference
+ public void setMortgageCalculator(MortgageCalculator mortgageCalculator) {
+ this.mortgageCalculator = mortgageCalculator;
+ }
+
+ @Reference
+ public void setRiskAssessment(RiskAssessment riskAssessment) {
+ this.riskAssessment = riskAssessment;
+ }
+
+ /**
+ * @see mortgage.LoanApproval#approve(mortgage.Customer, double, int)
+ */
+ public boolean approve(Customer customer, double loanAmount, int years) {
+ int score = creditCheck.getCreditScore(customer.getSsn());
+ if (score < minimumCreditScore) {
+ return false;
+ }
+ float rate = interestRateQuote.getRate(customer.getState(), loanAmount, years);
+ double monthlyPayment = mortgageCalculator.getMonthlyPayment(loanAmount, years, rate);
+ double ratio = monthlyPayment/customer.getMonthlyIncome();
+ return riskAssessment.assess(score, ratio);
+ }
+}