module Validations::Sales::FinancialValidations
# Validations methods need to be called 'validate_<page_name>' to run on model save
# or 'validate_' to run on submit as well
def validate_income1 ( record )
return unless record . income1 && record . la && record . shared_ownership_scheme?
relevant_fields = % i [ income1 ownershipsch uprn la postcode_full ]
if record . london_property? && ! record . income1 . between? ( 0 , 90_000 )
relevant_fields . each { | field | record . errors . add field , :outside_london_income_range , message : I18n . t ( " validations.financial.income.outside_london_income_range " ) }
elsif record . property_not_in_london? && ! record . income1 . between? ( 0 , 80_000 )
relevant_fields . each { | field | record . errors . add field , :outside_non_london_income_range , message : I18n . t ( " validations.financial.income.outside_non_london_income_range " ) }
end
end
def validate_income2 ( record )
return unless record . income2 && record . la && record . shared_ownership_scheme?
relevant_fields = % i [ income2 ownershipsch uprn la postcode_full ]
if record . london_property? && ! record . income2 . between? ( 0 , 90_000 )
relevant_fields . each { | field | record . errors . add field , :outside_london_income_range , message : I18n . t ( " validations.financial.income.outside_london_income_range " ) }
elsif record . property_not_in_london? && ! record . income2 . between? ( 0 , 80_000 )
relevant_fields . each { | field | record . errors . add field , :outside_non_london_income_range , message : I18n . t ( " validations.financial.income.outside_non_london_income_range " ) }
end
end
def validate_combined_income ( record )
return unless record . income1 && record . income2 && record . la && record . shared_ownership_scheme?
combined_income = record . income1 + record . income2
relevant_fields = % i [ income1 income2 ownershipsch uprn la postcode_full ]
if record . london_property? && combined_income > 90_000
relevant_fields . each { | field | record . errors . add field , :over_combined_hard_max_for_london , message : I18n . t ( " validations.financial.income.combined_over_hard_max_for_london " ) }
elsif record . property_not_in_london? && combined_income > 80_000
relevant_fields . each { | field | record . errors . add field , :over_combined_hard_max_for_outside_london , message : I18n . t ( " validations.financial.income.combined_over_hard_max_for_outside_london " ) }
end
end
def validate_mortgage ( record )
record . errors . add :mortgage , :cannot_be_0 , message : I18n . t ( " validations.financial.mortgage " ) if record . mortgage_used? && record . mortgage & . zero?
end
def validate_monthly_leasehold_charges ( record )
record . errors . add :mscharge , I18n . t ( " validations.financial.monthly_leasehold_charges.not_zero " ) if record . mscharge & . zero?
end
def validate_percentage_bought_not_greater_than_percentage_owned ( record )
return unless record . stairbought && record . stairowned
if record . stairbought > record . stairowned
record . errors . add :stairowned , I18n . t ( " validations.financial.staircasing.percentage_bought_must_be_greater_than_percentage_owned " , buyer_now_owns : record . joint_purchase? ? " buyers now own " : " buyer now owns " )
end
end
def validate_percentage_bought_not_equal_percentage_owned ( record )
return unless record . stairbought && record . stairowned
return unless record . saledate && record . form . start_year_after_2024?
if record . stairbought == record . stairowned
record . errors . add :stairbought , I18n . t ( " validations.financial.staircasing.percentage_bought_equal_percentage_owned " , stairbought : sprintf ( " %g " , record . stairbought ) , stairowned : sprintf ( " %g " , record . stairowned ) )
record . errors . add :stairowned , I18n . t ( " validations.financial.staircasing.percentage_bought_equal_percentage_owned " , stairbought : sprintf ( " %g " , record . stairbought ) , stairowned : sprintf ( " %g " , record . stairowned ) )
end
end
def validate_percentage_bought_at_least_threshold ( record )
return unless record . stairbought && record . type
threshold = if [ 2 , 16 , 18 , 24 ] . include? record . type
10
else
1
end
if threshold && record . stairbought < threshold
record . errors . add :stairbought , I18n . t ( " validations.financial.staircasing.percentage_bought_must_be_at_least_threshold " , threshold : )
record . errors . add :type , I18n . t ( " validations.setup.type.percentage_bought_must_be_at_least_threshold " , threshold : )
end
end
def validate_child_income ( record )
return unless record . income2 && record . ecstat2
if record . income2 . positive? && is_economic_status_child? ( record . ecstat2 ) && record . form . start_date . year > = 2023
record . errors . add :ecstat2 , I18n . t ( " validations.financial.income.child_has_income " )
record . errors . add :income2 , I18n . t ( " validations.financial.income.child_has_income " )
end
end
def validate_equity_in_range_for_year_and_type ( record )
return unless record . type && record . equity && record . collection_start_year
ranges = EQUITY_RANGES_BY_YEAR . fetch ( record . collection_start_year , DEFAULT_EQUITY_RANGES )
return unless ( range = ranges [ record . type ] )
if record . equity < range . min
record . errors . add :type , I18n . t ( " validations.financial.equity.under_min " , min_equity : range . min )
record . errors . add :equity , :under_min , message : I18n . t ( " validations.financial.equity.under_min " , min_equity : range . min )
elsif ! record . is_resale? && record . equity > range . max
record . errors . add :type , I18n . t ( " validations.financial.equity.over_max " , max_equity : range . max )
record . errors . add :equity , :over_max , message : I18n . t ( " validations.financial.equity.over_max " , max_equity : range . max )
record . errors . add :resale , I18n . t ( " validations.financial.equity.over_max " , max_equity : range . max )
end
end
def validate_equity_less_than_staircase_difference ( record )
return unless record . equity && record . stairbought && record . stairowned
return unless record . saledate && record . form . start_year_after_2024?
if record . equity > record . stairowned - record . stairbought
formatted_equity = sprintf ( " %g " , record . equity )
record . errors . add :equity , I18n . t ( " validations.financial.equity.over_stairowned_minus_stairbought " , equity : formatted_equity , staircase_difference : record . stairowned - record . stairbought , buyer_owns : record . joint_purchase? ? " buyers own " : " buyer owns " )
record . errors . add :stairowned , I18n . t ( " validations.financial.equity.over_stairowned_minus_stairbought " , equity : formatted_equity , staircase_difference : record . stairowned - record . stairbought , buyer_owns : record . joint_purchase? ? " buyers own " : " buyer owns " )
record . errors . add :stairbought , I18n . t ( " validations.financial.equity.over_stairowned_minus_stairbought " , equity : formatted_equity , staircase_difference : record . stairowned - record . stairbought , buyer_owns : record . joint_purchase? ? " buyers own " : " buyer owns " )
end
end
private
def is_relationship_child? ( relationship )
relationship == " C "
end
def is_economic_status_child? ( economic_status )
economic_status == 9
end
EQUITY_RANGES_BY_YEAR = {
2022 = > {
2 = > 25 .. 75 ,
30 = > 10 .. 75 ,
18 = > 25 .. 75 ,
16 = > 10 .. 75 ,
24 = > 25 .. 75 ,
31 = > 0 .. 75 ,
} ,
} . freeze
DEFAULT_EQUITY_RANGES = {
2 = > 25 .. 75 ,
30 = > 10 .. 75 ,
18 = > 25 .. 75 ,
16 = > 10 .. 75 ,
24 = > 25 .. 75 ,
31 = > 0 .. 75 ,
32 = > 0 .. 75 ,
} . freeze
end