<p>Dear {!! $user['customer_name'] !!} @if($user['co_applicant_name'] != "") & {!!  $user['co_applicant_name'] !!} @endif,</p>
<p>We are very happy to inform you that your application for the course {!! $user['product_name'] !!} at {!! $user['merchant_name'] !!} has been approved!</p>
<p>Your loan is being processed through our lending partner {!! $lender['name'] !!} (CIN: {!! $lender['cin'] !!}). As next steps, you will be required to do a verification process. The link for the same will be shared with you shortly.</p>
<p>Key terms of the offer are:</p>
<div style="padding-left: 30px;">
    <ul>
        <li>Transaction amount - Rs {!! money_format('%!i',$user['consumer_emi']->approved_amount) !!} /- (Rupees  {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->approved_amount) !!})</li>
        <li>Advance Payable - Rs. {!! money_format('%!i',$user['consumer_emi']->upfront_from_customer) !!}/- (Rupee <?php echo ($user['consumer_emi']->upfront_from_customer == 0) ? 'Zero' : ''; ?> {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->upfront_from_customer) !!})</li>
        <li>Monthly installment amount- Rs. {!! money_format('%!i',$user['consumer_emi']->emi) !!}/- (Rupee {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->emi) !!})</li>
        <li>Tenure - {!! $user['consumer_emi']->remaining_emi !!} EMIs i.e. Tenure of {!! $user['consumer_emi']->remaining_emi !!} months</li>
        <li>Additional cost <b><span style="font-size: 11px;font-weight: 600;">@if($user['consumer_emi']->interest_type_id == 1) (Flat Balance Amount) @elseif($user['consumer_emi']->interest_type_id == 2) (Reducing) @elseif($user['consumer_emi']->interest_type_id == 3) (Flat Fixed Amount) @else Flat rate @endif</span></b> - {!! $user['consumer_emi']->interest_rate !!} % @if($user['consumer_emi']->interest_type_id != 4)p.a. @endif @if($user['consumer_emi']->interest_type_id == 4 && $user['consumer_emi']->interest_rate > 0)(Annualised Rate -  {!! round(($user['consumer_emi']->interest_rate/$user['consumer_emi']->remaining_emi)*12,2) !!} %)@endif</li>
        <li>Processing Fee - Rs. {!! $user['consumer_emi']->processing_fee !!} (including GST)</li>
        @if(isset($user['proFormaInvoice']) && isset($user['proFormaInvoice']->insurance_premium_amount) && $user['proFormaInvoice']->insurance_premium_amount > 0)
        <li>Insurance Premium - Rs. {!! $user['proFormaInvoice']->insurance_premium_amount !!} (including GST)</li>
        @endif
    </ul>
</div>
<p>In case of any issues, you can reach us at https://www.avanse.com/pdf/grievance-redressal-mechanism-2019.pdf</p>
<p>Alternatively, you can contact us personally at aditya@creditfair.in. We'd love to hear from you!</p>