/**
* Utilities for generating loan requirements
*/
import type { Loan, CreditCard } from '../api/types.js';
/**
* Base requirements for all loans
*/
export const BASE_LOAN_REQUIREMENTS = [
'Cédula de identidad uruguaya vigente',
'Comprobante de domicilio',
'Último recibo de sueldo',
];
/**
* Additional requirements for mortgage loans
*/
export const MORTGAGE_REQUIREMENTS = [
'Tasación del inmueble',
'Certificado notarial de la propiedad',
'3 últimos estados de cuenta bancarios',
'Antigüedad laboral mínima: 2 años',
];
/**
* Additional requirements for auto loans
*/
export const AUTO_REQUIREMENTS = [
'Factura o cotización del vehículo',
'Seguro obligatorio',
'Antigüedad laboral mínima: 1 año',
];
/**
* Additional requirements for personal loans
*/
export const PERSONAL_REQUIREMENTS = [
'Clearing bancario limpio',
'Antigüedad laboral mínima: 6 meses',
];
/**
* Determine loan type from name
*/
export function getLoanType(loanName: string): 'hipotecario' | 'auto' | 'personal' {
const name = loanName.toLowerCase();
if (name.includes('hipotec')) return 'hipotecario';
if (name.includes('auto')) return 'auto';
return 'personal';
}
/**
* Get additional requirements based on loan type
*/
export function getAdditionalRequirements(loanType: 'hipotecario' | 'auto' | 'personal'): string[] {
switch (loanType) {
case 'hipotecario':
return MORTGAGE_REQUIREMENTS;
case 'auto':
return AUTO_REQUIREMENTS;
default:
return PERSONAL_REQUIREMENTS;
}
}
/**
* Generate complete requirements for a loan
*/
export function generateLoanRequirements(loan: Loan): {
documentation: string[];
income: string;
approval: {
probability: string;
estimatedTime: string;
};
} {
const loanType = getLoanType(loan.name);
const additionalRequirements = getAdditionalRequirements(loanType);
return {
documentation: [...BASE_LOAN_REQUIREMENTS, ...additionalRequirements],
income: `Ingreso mínimo recomendado: ${Math.round(loan.monthlyPayment * 3).toLocaleString('es-UY')} $U mensuales`,
approval: {
probability: loan.probability,
estimatedTime: loan.probability === 'alta' ? '24-48 horas' : '3-5 días hábiles',
},
};
}
/**
* Base requirements for credit cards
*/
export const BASE_CARD_REQUIREMENTS = [
'Cédula de identidad uruguaya',
'Comprobante de ingresos',
'Comprobante de domicilio',
];
/**
* Generate requirements for a credit card
*/
export function generateCardRequirements(card: CreditCard): string[] {
const requirements = [...BASE_CARD_REQUIREMENTS];
if (card.currency === 'USD' || card.limit > 300000) {
requirements.push(
'Ingresos mínimos: $U 60.000 mensuales',
'Antigüedad laboral: 1 año'
);
} else {
requirements.push(
'Ingresos mínimos: $U 25.000 mensuales',
'Antigüedad laboral: 6 meses'
);
}
return requirements;
}
