<?php $emis_array[] = -($user['consumer_emi']->upfront_from_credit_fair - $user['consumer_emi']->processing_fee); ?>
<?php $repayable = $user['consumer_emi']->upfront_from_customer;
$principal_amount = 0;
$subvention = 0;
$total_interest = 0;
$total_subvention = 0;
?>
<?php if(isset($user['loan_schedule']) && $user['loan_schedule'] != ''): ?>
    <?php if(isset($user['loan_schedule']['schedule'][0])): ?>
        <?php $repayable = $user['consumer_emi']->upfront_from_customer;
        $principal_amount = 0;
        $subvention = 0;
        $total_interest = 0;
        $total_subvention = 0;
        ?>
        <?php $__currentLoopData = $user['loan_schedule']['schedule']; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $key=>$loan_schedule): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?>
            <?php $repayable = $repayable + $loan_schedule['amount'];
            $emis_array[] = $loan_schedule['amount'];
            $principal_amount = $principal_amount + $loan_schedule['principal'];
            $subvention = $subvention + $loan_schedule['subvention'];
            if ($user['is_gst_applicable'] == 0) {
                $total_subvention += $loan_schedule['subvention'];
                $total_interest = $total_interest + ($loan_schedule['subvention'] + $loan_schedule['interest']);
            } else {
                $total_interest = $total_interest + $loan_schedule['interest'];
            }
            if ($user['is_gst_applicable'] == 0 && $subvention > 0) {
                $principal = ($principal_amount + $user['consumer_emi']->upfront_from_customer) - $subvention;
            } else {
                $principal = $principal_amount + $user['consumer_emi']->upfront_from_customer;
            }
            ?>
        <?php endforeach; $__env->popLoop(); $loop = $__env->getLastLoop(); ?>
    <?php endif; ?>
<?php elseif(isset($user['loan_schedule_new']) && $user['loan_schedule_new'] != ''): ?>
    <?php
    $summary = json_decode($user['loan_schedule_new'][0]['loan_summary']);
    $repayable = $user['consumer_emi']->upfront_from_customer;
    $principal_amount = round($summary->principal_amount, 2);
    $subvention = $summary->subvention;
    $total_interest = round($summary->total_interest, 2);
    $interest_rate = round($summary->total_interest, 2);
    $total_subvention = $summary->subvention;
    $annualized_interest_rate = round($summary->annualized_interest_rate, 2);
    ?>
<?php endif; ?>
<?php
    $amountAB = 0;
    if (isset($user['proFormaInvoice']->insurance_premium_applicable) && $user['proFormaInvoice']->insurance_premium_applicable == 1) {
        $amountAB += $user['proFormaInvoice']->insurance_premium_amount;
    }

    $amountAmtV = $user['consumer_emi']->processing_fee + $user['consumer_emi']->upfront_from_customer + $amountAB;


    if ($user['is_gst_applicable'] == 0) {
        $amountAmtV += $subvention;
    }

    $amtV = ($user['loan_amount'] - $amountAmtV);

    $aprrate = round(\MathPHP\Finance::rate($user['consumer_emi']->remaining_emi, $user['consumer_emi']->emi, -$amtV, 0) * 100 * 12, 2);
    if ($aprrate < 0) {
        $aprrate = 0;
    }
    // below condition is for NAN return by finance function
    if(is_nan($aprrate)){
        $aprrate = 0;
    }

    $interest_types = [1 => 'Flat Balance Amount (Annualized)', 2 => 'Reducing', 3 => 'Flat Fixed Amount (Annualized)',4 => 'Flat (Non-Annualized)'];

    $netDisb = $user['consumer_emi']->approved_amount - ($user['consumer_emi']->upfront_from_customer);
   /* if ($user['is_gst_applicable'] == 0 && $loan_schedule['subvention']) {
        $netDisb -= $total_subvention;
    }*/

    $amountCB = $netDisb + $amountAB;

    if ($total_interest) {
        $amountCB += $total_interest;
    }

    if ($user['consumer_emi']->processing_fee) {
        $amountCB += $user['consumer_emi']->processing_fee;
    }

    if($user['tenure'] >= 7){
        $cool_off = 4;
    }else{
        $cool_off = 1;
    }
?>
<?php
    $payment_frequency_offer = [1 => 12, 2 => 24, 3 => 52, 4 => 365, 5 => 4, 6 => 2, 7 => 1];
    $frequecy_multiplier = ($user['frequency'] > 0) ? $payment_frequency_offer[$user['frequency']] : 12;
?>
<?php
    if(isset($user['loan_schedule']) && $user['loan_schedule'] != ''){
        $interest_rate = ($total_interest) / ($principal_amount + $user['consumer_emi']->upfront_from_customer);
        $annualized_interest_rate = round(((($repayable - $principal) / $principal) * ($frequecy_multiplier / $user['consumer_emi']->remaining_emi)) * 100, 2);
    }
?>

<html>
    <link href="<?php echo isset($http) ? $http : 'http'; ?>://fonts.googleapis.com/css?family=Noto+Sans" rel="stylesheet">

<head>
    <style>
         .c21 {
            width: 50%;
            border-spacing: 0;
            border-collapse: collapse;
            margin-right: auto;
        }

        table > tbody > tr > td{
            /* padding: 0pt 5.4pt 0pt 5.4pt; */
            vertical-align: top;
            /* width: 24.6pt; */
            border: 1pt solid #000000;
        }
        .header{
            text-align: center;
            font-weight: 600;
            padding-top: 120px;
        }

    </style>

    <style>

    .title {
        font-weight: 700;
        text-align: center;
        text-decoration: underline;
        padding-bottom: 50px;
    }

    .text_center_with_weight{
        text-align: center;
        font-weight: 700;
    }

    .font_size_50{
        font-size: 30px;
    }

    .page-break {
        page-break-before: always !important;
    }

    .underline{
        text-decoration: underline;
    }

    .agreement-body{
        padding: 50px;
    }

    .weight_700 {
        font-weight: 600;
    }

    .padding_between_line {
        padding-top: 20px;
        padding-bottom: 20px;
    }

    .padding_between_line_less {
        padding-top: 10px;
        padding-bottom: 10px;
    }

    .line_height {
        line-height: 30px;
    }

    table.border,
    table.border td{
        border: 1px solid black;
        border-collapse: collapse;
    }
    .default-lender-logo {
        height: 57px;
        width: 57px;
    }
    .KMG-lender-logo {
        height: 68px;
        width: 160px;
    }
</style>
</head>
<body>
<div>
    <div>
        <div>
            <img src="<?php echo $lender['logo']; ?>" class="<?php echo e($lender['id'] == 2 ? 'KMG-lender-logo' : 'default-lender-logo'); ?>" style="float: right;">
        </div>
        <div class="header">WELCOME LETTER
        </div>
        <div>

            <div>Date: <?php echo isset($letter_date) ? $letter_date : date('d F Y'); ?></div><br>
            <div>To,</div>
            <div>Dear <?php echo $user['customer_name']; ?>,</div>
            <div><?php echo $user['address']; ?></div>
            <br><br>

            Dear <?php echo $user['customer_name']; ?>,<br><br>

            <div style="padding-bottom: 20px;">
            Greetings from CREDIT FAIR!<br><br>
            It is our privilege to welcome you to CREDIT FAIR, and we thank you for choosing us as your financing
            partner. It
            gives us immense pleasure in welcoming you to a world of financing options with us.<br><br>
            Please find your loan details mentioned hereunder:<br>
            </div>

            <table class="c21">
                <tbody>
                <tr>
                    <?php if($user['lender_id'] == 2): ?>
                        <?php if(in_array($user['purpose_id'],[4,33,34,35,36])): ?>
                            <td>Product</td>
                            <td>Education Loan</td>
                        <?php else: ?>
                            <td>Product</td>
                            <td>Personal Loan</td>
                        <?php endif; ?>
                    <?php else: ?>
                        <?php if($user['purpose_of_the_loan'] != "Personal Loan"): ?>
                            <td>Product</td>
                            <td>Personal Loan</td>
                        <?php else: ?>
                            <td>Merchant</td>
                            <td><?php echo $user['merchant_name']; ?></td>
                        <?php endif; ?>
                    <?php endif; ?>
                </tr>
                <tr>
                    <td>Agreement Number</td>
                    <td> <?php echo e($user['application_id']); ?></td>
                </tr>
                <tr>
                    <td>Agreement Date</td>
                    <td> <?php echo e($user['agreement_date']); ?></td>
                </tr>
                <tr>
                    <td>Loan Amount (INR)</td>
                    <td> ₹ <?php echo money_format('%!i',$user['consumer_emi']->approved_amount - $user['consumer_emi']->upfront_from_customer); ?></td>
                </tr>
                <tr>
                    <td>Number of Pending EMI</td>
                    <td><?php echo $user['consumer_emi']->remaining_emi; ?></td>
                </tr>
                <tr>
                    <td>EMI (INR)</td>
                    <td>₹ <?php echo $user['consumer_emi']->emi; ?></td>
                </tr>
                <tr>
                    <td>Interest Rate*</td>
                    <td><?php echo $user['consumer_emi']->interest_rate; ?>%</td>
                </tr>
                <tr>
                    <td>First EMI due on</td>
                    <td><?php echo date('d-m-Y',strtotime($user['consumer_emi']->emi_date)); ?></td>
                </tr>
                </tbody>
            </table>

            <br/>
            <?php if($user['consumer_emi']->interest_rate > 0): ?>
            <div>*This interest rate is used to calculate the monthly repayment amount. The above rate of interest translates to a <?php if($user['consumer_emi']->interest_type_id == 1): ?> Flat Balance Amount <?php elseif($user['consumer_emi']->interest_type_id == 2): ?> Reducing  <?php elseif($user['consumer_emi']->interest_type_id == 3): ?> Flat Fixed Amount <?php else: ?> Flat rate <?php endif; ?> of <?php echo $user['consumer_emi']->interest_rate; ?>% p.a.</div>
            <?php endif; ?>
            <br/>
            <div>We are pleased to inform you that the solar panel you have purchased from our partner merchant is covered under insurance. In case of any damage, malfunction, or insurance-related concerns, please feel free to reach out to our support team for assistance</div>
            <br/>
            <div>CREDIT FAIR is one of India’s leading providers of financial products and services to suit your every financing need including loans for Education, Home Renovation &amp; Healthcare.</div>

            <div>For any further query on your existing loan or to avail a new financial product or services from us, please email us at ops@creditfair.in or call us on our helpline number +91-9967235047. We trust you will have a rewarding experience with us and look forward to your feedback to help us serve you better in the future.</div>
            <br/>
            Best Regards,<br/>
            Team CREDIT FAIR<br/>

            <br/>
            <div style="font-size: 14px;">[This is a system generated letter and does not require any signature]</div>
        </div>


        <table></table>
    </div>

    <div class="page-break center" style ="text-align:center">
        <div>
            <img src="<?php echo $lender['logo']; ?>" class="<?php echo e($lender['id'] == 2 ? 'KMG-lender-logo' : 'default-lender-logo'); ?>" style="float: right;">
        </div>
        <div class="text_center_with_weight">APPENDIX– B</div>
        <div class="text_center_with_weight">REPAYMENT</div> <div class="title">SCHEDULE</div>
        <div class="title font_size_50">Detailed Repayment Schedule</div>

        <table class="border" id="rps_table" style="width:800px; margin-left:30px;">
            <tr>
                <td>Installment No.</td>
                <td>Installment Date</td>
                <td>Outstanding Principal (in Rupees)</td>
                <td>Principal (in Rupees)</td>
                <td>Interest (in Rupees)</td>
                <td>Installment (in Rupees)</td>
            </tr>
            <?php if(isset($user['loan_schedule']) && $user['loan_schedule'] != ''): ?>

                <?php
                    $key = 0;
                    $repayable = 0;
                    $total_principal = 0;
                    $totalPrincipal = 0;
                    $totalInterest = 0;
                    $total_interest = 0;
                    $totalOutstdPrincipal=0;
                    $totalInstallment=0;
                ?>
                <?php $__currentLoopData = $user['loan_schedule']['schedule']; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $key => $loan_schedule): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?>
                <?php $key += 1;?>
                    <?php
                        if ($user['is_gst_applicable'] == 0) {
                            $interest_payable = $loan_schedule['interest'] + $loan_schedule['subvention'];
                        } else {
                            $interest_payable = $loan_schedule['interest'];
                        }
                        $totalOutstdPrincipal += $loan_schedule['fore_closure_amount'];
                        if($user['consumer_emi']->interest_rate > 0) {
                            $total_principal += $loan_schedule['amount'] - $interest_payable;
                            $total_interest += $interest_payable;
                        } else if($user['is_gst_applicable']) {
                            $total_principal += $loan_schedule['amount'];
                            $total_interest = 0;
                        } else {
                            $total_principal += $loan_schedule['amount'] - $interest_payable;
                            $total_interest += $loan_schedule['subvention'];
                        }

                        if(isset($user['merchant_offer']->processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee) {
                            $totalInstallment += $loan_schedule['amount'] + $user['consumer_emi']->processing_fee;
                        } else {
                            $totalInstallment += $loan_schedule['amount'];
                        }
                    ?>
                    <tr>
                        <td style="padding: 2px; font-size: 12px;"><?php echo $key; ?></td> <!-- Installment no-->
                        <td style="padding: 2px; font-size: 12px;"><?php echo e(\Carbon\Carbon::parse($loan_schedule['emi_date'])->format('d F, Y')); ?></td>
                        <td style="padding: 6px; font-size: 12px;">
                            &#8377;<?php echo e(number_format(round($loan_schedule['fore_closure_amount'], 2), 2)); ?></td> <!-- outstanding principle -->
                        <?php if($user['consumer_emi']->interest_rate > 0): ?>
                        <td style="padding: 6px;font-size: 12px;">&#8377;<?php echo money_format('%!i',round(($loan_schedule['amount'] - $interest_payable),2)); ?></td>
                            <td style="padding: 6px; font-size: 12px;">
                                &#8377;<?php echo e(number_format(round($interest_payable, 2), 2)); ?></td>
                        <?php else: ?>
                            <?php if($user['is_gst_applicable']): ?>
                                <td style="padding: 6px; font-size: 12px;">
                                    &#8377;<?php echo e(number_format(round($loan_schedule['amount'], 2), 2)); ?></td>
                                <td style="padding: 6px; font-size: 12px;">&#8377;0</td>
                            <?php else: ?>
                            <td style="padding: 6px;font-size: 12px;">&#8377;<?php echo money_format('%!i',round(($loan_schedule['amount'] - $interest_payable),2)); ?></td>
                                <td style="padding: 6px; font-size: 12px;">
                                    &#8377;<?php echo e(number_format(round($loan_schedule['subvention'], 2), 2)); ?></td>
                            <?php endif; ?>
                        <?php endif; ?>
                        <?php if(isset($user['merchant_offer']->processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee): ?>
                            <td style="padding: 6px;font-size: 12px;">
                                &#8377;<?php echo money_format('%!i',round($loan_schedule['amount'] + $user['consumer_emi']->processing_fee ,2)); ?></td>
                        <?php else: ?>
                            <td style="padding: 6px;font-size: 12px;">
                                &#8377;<?php echo money_format('%!i',round($loan_schedule['amount'],2)); ?></td>
                        <?php endif; ?>
                    </tr>
                <?php endforeach; $__env->popLoop(); $loop = $__env->getLastLoop(); ?>
                <tr style="padding: 2px;font-size: 12px;">
                    <td colspan="1" align="center"><b>Total</b></td>
                    <td></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalOutstdPrincipal, 2)); ?></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalPrincipal, 2)); ?></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalInterest, 2)); ?></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalInstallment, 2)); ?></td>
                </tr>

            <?php elseif(isset($user['loan_schedule_new']) && $user['loan_schedule_new'] != ''): ?>
                <?php
                    $total_repayable=0;
                    $emi_amount = 0;$loan_schedule = ''; $key=0;$totalOutstdPrincipal = 0;$totalPrincipal=0;$totalInterest=0;
                    $totalInstallment=0;
                    if($user['loan_schedule_new'][0]['bpi_interest'] > 0){
                        $emi_amount += $user['loan_schedule_new'][0]['bpi_interest'];
                    }
                ?>
                <?php $__currentLoopData = $user['loan_schedule_new']; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $key => $loan_schedule): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?>
                    <?php
                        $emi_amount = $loan_schedule['emi_amount'];
                        if(isset($user['merchant_offer']->processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee){
                            $emi_amount += $user['consumer_emi']->processing_fee;
                        }
                        if($loan_schedule['bpi_interest'] > 0){
                            $totalOutstdPrincipal += $loan_schedule['bpi_interest'];
                        }
                        $totalOutstdPrincipal += $loan_schedule['foreclosure_amount'];
                        $totalPrincipal += $loan_schedule['principal_comp'];
                        $totalInterest += $loan_schedule['interest_comp'];
                        $totalInstallment += $emi_amount;
                    ?>
                    <?php if($loan_schedule['bpi_interest'] > 0 ): ?>
                        <tr style="padding: 2px;font-size: 12px;">
                            <td style="padding: 2px;font-size: 12px;">Pre-EMI</td>
                            <td style="padding: 6px;font-size: 12px;">&#8377;<?php echo money_format('%!i',round($loan_schedule['bpi_interest'], 2)); ?></td>
                            <td style="padding: 6px;font-size: 12px;">NA</td>
                            <td style="padding: 6px;font-size: 12px;">NA</td>
                            <td style="padding: 6px;font-size: 12px;">NA</td>
                        </tr>
                    <?php endif; ?>
                        <tr>
                            <?php if($key == 0): ?>
                            <td style="padding: 2px;font-size: 12px;"></td>
                            <?php else: ?>
                            <td style="padding: 2px;font-size: 12px;"><?php echo $key; ?></td>
                            <?php endif; ?>
                            <td style="padding: 2px; font-size: 12px;"><?php echo e(\Carbon\Carbon::parse($loan_schedule['emi_date'])->format('d F, Y')); ?></td>
                            <td style="padding: 6px;font-size: 12px;">&#8377;<?php echo money_format('%!i',round($loan_schedule['foreclosure_amount'])); ?></td>
                            <td style="padding: 6px;font-size: 12px;">&#8377;<?php echo money_format('%!i',round($loan_schedule['principal_comp'])); ?></td>
                            <td style="padding: 6px;font-size: 12px;">&#8377;<?php echo money_format('%!i',round($loan_schedule['interest_comp'])); ?></td>
                            <td style="padding: 6px;font-size: 12px;">&#8377;<?php echo money_format('%!i',$emi_amount); ?></td>
                        </tr>
                <?php endforeach; $__env->popLoop(); $loop = $__env->getLastLoop(); ?>
                <tr style="padding: 2px;font-size: 12px;">
                    <td align="center"><b>Total </b></td>
                    <td></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalOutstdPrincipal, 2)); ?></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalPrincipal, 2)); ?></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalInterest, 2)); ?></td>
                    <td>&#8377;<?php echo money_format('%!i',round($totalInstallment, 2)); ?></td>
                </tr>
            <?php endif; ?>
        </table>
        <div>
            <?php if(isset($user['loan_schedule']) && $user['loan_schedule'] != ''): ?>
                <?php if($user['is_gst_applicable'] == 0 && $subvention > 0): ?>
                    <p style="font-size: 9px;">* <?php echo $annualized_interest_rate; ?>%
                        Flat rate
                        OR <?php echo round(($user['loan_schedule']['summary']['annualised_irr'])); ?>

                        % reducing balance rate</p>
                <?php elseif($user['consumer_emi']->interest_type_id != 2): ?>
                    <p style="font-size: 9px;">
                        * <?php echo $user['consumer_emi']->interest_rate; ?>

                        % <?php if($user['consumer_emi']->interest_type_id != 4): ?>
                            p.a. <?php endif; ?> <?php if($user['consumer_emi']->interest_type_id == 4 && $user['consumer_emi']->interest_rate > 0): ?>
                            (Annualised Rate
                            -  <?php echo round(($user['consumer_emi']->interest_rate/$user['consumer_emi']->remaining_emi)*$frequecy_multiplier,2); ?>

                            %)<?php endif; ?> <?php if($user['consumer_emi']->interest_type_id == 1): ?>
                            (Flat Balance
                            Amount) <?php elseif($user['consumer_emi']->interest_type_id == 2): ?>
                            (Reducing) <?php elseif($user['consumer_emi']->interest_type_id == 3): ?>
                            (Flat Fixed Amount) <?php else: ?> Flat rate <?php endif; ?>
                        OR <?php echo round($user['loan_schedule']['summary']['annualised_interest'],2); ?>

                        % reducing balance rate</p>
                <?php endif; ?>
            <?php endif; ?>
        </div>
    </div>
</div>
</body>
</html>