<style>
    table, th, td {
        border: 1px solid black;
        border-collapse: collapse;
    }
    th,td{
        font-size:12px;
    }
</style>
<p>Dear <?php echo $user['customer_name']; ?> <?php if($user['co_applicant_name'] != ""): ?> & <?php echo $user['co_applicant_name']; ?> <?php endif; ?>,</p>
<p>Congratulations! Your application for an Easy EMI plan has been approved.</p>
<h4>Loan Details:</h4>
<table style="border: 1px solid black;border-collapse: collapse;width:100%">
  <tr>
    <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Loan Amount</th>
    <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Advance Payable</th> 
    <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Monthly EMI</th>
    <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Tenure</th>
    <?php if($user['consumer_emi']->interest_type_id == 1): ?>
        <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Additional Cost (Flat Balance Amount)</th> 
    <?php elseif($user['consumer_emi']->interest_type_id == 2): ?>
        <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Additional Cost (Reducing) </th>
    <?php elseif($user['consumer_emi']->interest_type_id == 3): ?> 
        <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Additional Cost (Flat Fixed Amount) </th>
    <?php else: ?> 
        <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Additional Cost (Flat rate )</th>
    <?php endif; ?>    
    <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Processing Fee (including GST)</th>
    <?php if(isset($user['proFormaInvoice']) && isset($user['proFormaInvoice']->insurance_premium_amount) && $user['proFormaInvoice']->insurance_premium_amount > 0 && $user['proFormaInvoice']->insurance_premium_by_merchant != 2): ?>
        <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Insurance Premium</th>
    <?php endif; ?>
    <?php if(isset($user['legal_charges']) && isset($user['legal_charges']) && $user['legal_charges'] > 0): ?>
        <th style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Legal Charges</th>
    <?php endif; ?>
  </tr>
  <tr>
    <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Rs.<?php echo money_format('%!i',$user['sanction_amount_with_insurance']); ?></td>
    <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Rs.<?php echo money_format('%!i',$user['consumer_emi']->upfront_from_customer); ?></td>
    <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Rs.<?php echo money_format('%!i',$user['consumer_emi']->emi); ?></td>
    <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;"><?php echo $user['consumer_emi']->tenure; ?> Months</td>
    <?php if($lender['id'] == \App\ABFL\Services\Services::$lender_id): ?>
        <?php
            $avanseProcesses = new \App\Avanse\Processes\AvanseProcesses(new \Illuminate\Http\Request(['id' => $user['application_id']]));
            $interest_rate_ori = $avanseProcesses->flatBalanceToReducingById($user['application_id']);
        ?>
        <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;"><?php echo $interest_rate_ori; ?></td>
    <?php else: ?>
        <?php if($user['consumer_emi']->interest_type_id != 4): ?>
            <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;"><?php echo $user['consumer_emi']->interest_rate; ?> % p.a. </td>
        <?php endif; ?> 
        <?php if($user['consumer_emi']->interest_type_id == 4 && $user['consumer_emi']->interest_rate > 0): ?>
            <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;"><?php echo $user['consumer_emi']->interest_rate; ?> % (Annualised Rate
                -  <?php echo round(($user['consumer_emi']->interest_rate/$user['consumer_emi']->remaining_emi)*12,2); ?> %)
            </td>
        <?php endif; ?>
    <?php endif; ?>
    <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;">Rs.<?php echo $user['consumer_emi']->processing_fee; ?> (including GST)</td>
    <?php if(isset($user['proFormaInvoice']) && isset($user['proFormaInvoice']->insurance_premium_amount) && $user['proFormaInvoice']->insurance_premium_amount > 0 && $user['proFormaInvoice']->insurance_premium_by_merchant != 2): ?>
        <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;"> Rs.<?php echo $user['proFormaInvoice']->insurance_premium_amount; ?> (including GST)</td>
    <?php endif; ?>
    <?php if(isset($user['legal_charges']) && isset($user['legal_charges']) && $user['legal_charges'] > 0): ?>
        <td style="border: 1px solid black;border-collapse: collapse;font-size:10px;"> Rs.<?php echo $user['legal_charges']; ?></td>
    <?php endif; ?>
  </tr>
</table>
<p>The sanction letter for your loan is attached.</p>
<p></p>
<p> To proceed with Easy EMI plan with <?php echo $user['merchant_name']; ?> complete the following steps by clicking below:</p>
<p></p>
<p><b>Step 1:</b> KYC Verification</p>
<p><b>Step 2:</b> Pay the processing fees</p>
<p><b>Step 3:</b> Setup the auto-debit mandate</p>
<p><b>Step 4:</b> E-sign the loan agreement</p>
<div style="padding-right:30px;padding-top: 10px;padding-bottom: 10px;">
    <table style="width:100%" class="m_-8981707798358480004sm_table">
        <tbody>
            <tr style="width:100%">
                <td style="text-align: left;">
                    <span style="display:inline-block;border-radius:4px;" class="actionable_btn m_-8981707798358480004sm_full_width">
                        <a class="m_-8981707798358480004button_link m_-8981707798358480004sm_full_width m_-8981707798358480004sm_border_box"
                        href="<?php echo $user['esignlink']; ?>" style="min-width:197px;background-color:#4a1481;border-radius:4px;color:#ffffff;font-size:14px;line-height:18px;word-break:break-word;display:inline-block;text-align:center;font-weight:900;text-decoration:none!important; padding: 12px;"
                        target="_blank">COMPLETE YOUR APPLICATION</a>
                    </span>
                </td>
            </tr>
        </tbody>
    </table>
</div>
<p>For any assistance please write to us at operations@creditfair.in</p>
