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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.Service;
/**
* An implementation of the LoanApproval service.
*/
@Service(LoanApproval.class)
// Service declaration
public class LoanApprovalImpl implements LoanApproval {
private CreditCheck[] creditCheck;
private MortgageCalculator mortgageCalculator;
private InterestRateQuote interestRateQuote;
// Reference declaration using a protected or public field
@Reference
public RiskAssessment riskAssessment;
private int minimumCreditScore = 650;
// Property declaration using a setter method
@Property(name = "minimumCreditScore")
public void setMinimumCreditScore(int minimumCreditScore) {
this.minimumCreditScore = minimumCreditScore;
}
// Reference declaration using a setter method
@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;
}
public boolean approve(Customer customer, double loanAmount, int years) {
int score = 0;
for (int i = 0; i < creditCheck.length; i++) {
score += creditCheck[i].getCreditScore(customer.getSsn());
}
if (score != 0) {
score = score / creditCheck.length;
}
if (score < minimumCreditScore) {
System.err.println("Credit score " + score + " is below the minimum " + minimumCreditScore + ".");
return false;
}
float rate = interestRateQuote.getRate(customer.getState(), loanAmount, years);
double monthlyPayment = mortgageCalculator.getMonthlyPayment(loanAmount, years, rate);
double ratio = monthlyPayment / customer.getMonthlyIncome();
boolean approved = riskAssessment.assess(score, ratio);
if (!approved) {
System.err.println("Debt/Income ratio " + ratio + " is too high.");
}
return approved;
}
}
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