require "rails_helper" RSpec.describe Validations::Sales::FinancialValidations do subject(:financial_validator) { validator_class.new } let(:validator_class) { Class.new { include Validations::Sales::FinancialValidations } } describe "income validations for shared ownership" do let(:record) { FactoryBot.create(:sales_log, ownershipsch: 1) } context "when buying in a non london borough" do before do record.update!(la: "E08000035") record.reload end it "adds errors if buyer 1 has income over 80,000" do record.income1 = 85_000 financial_validator.validate_income1(record) expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) end it "adds errors if buyer 2 has income over 80,000" do record.income2 = 85_000 financial_validator.validate_income2(record) expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london")) end it "does not add errors if buyer 1 has income below 80_000" do record.income1 = 75_000 financial_validator.validate_income1(record) expect(record.errors).to be_empty end it "does not add errors if buyer 2 has income below 80_000" do record.income2 = 75_000 financial_validator.validate_income2(record) expect(record.errors).to be_empty end it "adds errors when combined income is over 80_000" do record.income1 = 45_000 record.income2 = 40_000 financial_validator.validate_combined_income(record) expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.combined_over_hard_max_for_outside_london")) expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.combined_over_hard_max_for_outside_london")) end it "does not add errors when combined income is under 80_000" do record.income1 = 35_000 record.income2 = 40_000 financial_validator.validate_combined_income(record) expect(record.errors).to be_empty end end context "when buying in a london borough" do before do record.update!(la: "E09000030") record.reload end it "adds errors if buyer 1 has income over 90,000" do record.income1 = 95_000 financial_validator.validate_income1(record) expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) end it "adds errors if buyer 2 has income over 90,000" do record.income2 = 95_000 financial_validator.validate_income2(record) expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london")) end it "does not add errors if buyer 1 has income below 90_000" do record.income1 = 75_000 financial_validator.validate_income1(record) expect(record.errors).to be_empty end it "does not add errors if buyer 2 has income below 90_000" do record.income2 = 75_000 financial_validator.validate_income2(record) expect(record.errors).to be_empty end it "adds errors when combined income is over 90_000" do record.income1 = 55_000 record.income2 = 40_000 financial_validator.validate_combined_income(record) expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.combined_over_hard_max_for_london")) expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.combined_over_hard_max_for_london")) end it "does not add errors when combined income is under 90_000" do record.income1 = 35_000 record.income2 = 40_000 financial_validator.validate_combined_income(record) expect(record.errors).to be_empty end end end describe "#validate_mortgage" do let(:record) { FactoryBot.create(:sales_log) } it "adds an error is the mortgage is zero" do record.mortgageused = 1 record.mortgage = 0 financial_validator.validate_mortgage(record) expect(record.errors[:mortgage]).to include I18n.t("validations.financial.mortgage") end it "does not add an error is the mortgage is positive" do record.mortgageused = 1 record.mortgage = 234 financial_validator.validate_mortgage(record) expect(record.errors).to be_empty end end describe "#validate_percentage_bought_not_greater_than_percentage_owned" do let(:record) { FactoryBot.create(:sales_log) } it "does not add an error if the percentage bought is less than the percentage owned" do record.stairbought = 20 record.stairowned = 40 financial_validator.validate_percentage_bought_not_greater_than_percentage_owned(record) expect(record.errors).to be_empty end it "does not add an error if the percentage bought is equal to the percentage owned" do record.stairbought = 30 record.stairowned = 30 financial_validator.validate_percentage_bought_not_greater_than_percentage_owned(record) expect(record.errors).to be_empty end it "adds an error to stairowned and not stairbought if the percentage bought is more than the percentage owned" do record.stairbought = 50 record.stairowned = 40 financial_validator.validate_percentage_bought_not_greater_than_percentage_owned(record) expect(record.errors["stairowned"]).to include(match I18n.t("validations.financial.staircasing.percentage_bought_must_be_greater_than_percentage_owned")) end end describe "#validate_monthly_leasehold_charges" do let(:record) { FactoryBot.create(:sales_log) } it "does not add an error if monthly leasehold charges are positive" do record.mscharge = 2345 financial_validator.validate_monthly_leasehold_charges(record) expect(record.errors).to be_empty end it "adds an error if monthly leasehold charges are zero" do record.mscharge = 0 financial_validator.validate_monthly_leasehold_charges(record) expect(record.errors[:mscharge]).to include I18n.t("validations.financial.monthly_leasehold_charges.not_zero") end end describe "#validate_percentage_bought_at_least_threshold" do let(:record) { FactoryBot.create(:sales_log) } it "adds an error to stairbought and type if the percentage bought is less than the threshold (which is 1% by default, but higher for some shared ownership types)" do record.stairbought = 9 [2, 16, 18, 24].each do |type| record.type = type financial_validator.validate_percentage_bought_at_least_threshold(record) expect(record.errors["stairbought"]).to eq(["The minimum increase in equity while staircasing is 10%"]) expect(record.errors["type"]).to eq(["The minimum increase in equity while staircasing is 10% for this shared ownership type"]) record.errors.clear end record.stairbought = 0 [28, 30, 31, 32].each do |type| record.type = type financial_validator.validate_percentage_bought_at_least_threshold(record) expect(record.errors["stairbought"]).to eq(["The minimum increase in equity while staircasing is 1%"]) expect(record.errors["type"]).to eq(["The minimum increase in equity while staircasing is 1% for this shared ownership type"]) record.errors.clear end end it "doesn't add an error to stairbought and type if the percentage bought is less than the threshold (which is 1% by default, but higher for some shared ownership types)" do record.stairbought = 10 [2, 16, 18, 24].each do |type| record.type = type financial_validator.validate_percentage_bought_at_least_threshold(record) expect(record.errors).to be_empty record.errors.clear end record.stairbought = 1 [28, 30, 31, 32].each do |type| record.type = type financial_validator.validate_percentage_bought_at_least_threshold(record) expect(record.errors).to be_empty record.errors.clear end end end describe "#validate_child_income" do let(:record) { FactoryBot.create(:sales_log) } context "when buyer 2 is not a child" do before do record.update!(ecstat2: rand(0..8)) record.reload end it "does not add an error if buyer 2 has an income" do record.ecstat2 = rand(0..8) record.income2 = 40_000 financial_validator.validate_child_income(record) expect(record.errors).to be_empty end end context "when buyer 2 is a child" do it "does not add an error if buyer 2 has no income" do record.saledate = Time.zone.local(2023, 4, 3) record.ecstat2 = 9 record.income2 = 0 financial_validator.validate_child_income(record) expect(record.errors).to be_empty end it "adds errors if buyer 2 has an income" do record.saledate = Time.zone.local(2023, 4, 3) record.ecstat2 = 9 record.income2 = 40_000 financial_validator.validate_child_income(record) expect(record.errors["ecstat2"]).to include(match I18n.t("validations.financial.income.child_has_income")) expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.child_has_income")) end it "does not add an error if the saledate is before the 23/24 collection window" do record.saledate = Time.zone.local(2022, 4, 3) record.ecstat2 = 9 record.income2 = 40_000 financial_validator.validate_child_income(record) expect(record.errors).to be_empty end end end describe "#validate_equity_in_range_for_year_and_type" do let(:record) { FactoryBot.create(:sales_log, saledate: now) } around do |example| Timecop.freeze(now) do example.run end Timecop.return end context "with a log in the 22/23 collection year" do let(:now) { Time.zone.local(2023, 1, 1) } it "adds an error for type 2, equity below min with the correct percentage" do record.type = 2 record.equity = 1 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors["equity"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 25)) expect(record.errors["type"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 25)) end it "adds an error for type 30, equity below min with the correct percentage" do record.type = 30 record.equity = 1 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors["equity"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 10)) expect(record.errors["type"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 10)) end it "does not add an error for equity in range with the correct percentage" do record.type = 2 record.equity = 50 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors).to be_empty end it "adds an error for equity above max with the correct percentage" do record.type = 2 record.equity = 90 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors["equity"]).to include(match I18n.t("validations.financial.equity.over_max", max_equity: 75)) expect(record.errors["type"]).to include(match I18n.t("validations.financial.equity.over_max", max_equity: 75)) end end context "with a log in 23/24 collection year" do let(:now) { Time.zone.local(2024, 1, 1) } it "adds an error for type 2, equity below min with the correct percentage" do record.type = 2 record.equity = 1 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors["equity"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 10)) expect(record.errors["type"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 10)) end it "adds an error for type 30, equity below min with the correct percentage" do record.type = 30 record.equity = 1 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors["equity"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 25)) expect(record.errors["type"]).to include(match I18n.t("validations.financial.equity.under_min", min_equity: 25)) end it "does not add an error for equity in range with the correct percentage" do record.type = 2 record.equity = 50 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors).to be_empty end it "adds an error for equity above max with the correct percentage" do record.type = 2 record.equity = 90 financial_validator.validate_equity_in_range_for_year_and_type(record) expect(record.errors["equity"]).to include(match I18n.t("validations.financial.equity.over_max", max_equity: 75)) expect(record.errors["type"]).to include(match I18n.t("validations.financial.equity.over_max", max_equity: 75)) end end end end