CLDC-3571 Discounted ownership validation (#2547)

* Rename discount to deposit discount

* Split about price rtb questions

* Update error message

* Update guidance partial

* Fix top_guidance_partial method

* Split about_price_not_rtb

* Update guidance partial and validation

* Fix bulk upload test

* Update deposit routed_to and guidance

app/models/form/sales/pages/about_price_rtb.rb

@@ -1,17 +0,0 @@
-class Form::Sales::Pages::AboutPriceRtb < ::Form::Page
-  def initialize(id, hsh, subsection)
-    super
-    @id = "about_price_rtb"
-    @header = "About the price of the property"
-    @depends_on = [{
-      "right_to_buy?" => true,
-    }]
-  end
-
-  def questions
-    @questions ||= [
-      Form::Sales::Questions::PurchasePrice.new(nil, nil, self, ownershipsch: 2),
-      Form::Sales::Questions::Discount.new(nil, nil, self),
-    ]
-  end
-end

app/models/form/sales/pages/deposit.rb

@@ -13,6 +13,7 @@ class Form::Sales::Pages::Deposit < ::Form::Page
   end
 
   def routed_to?(log, _user)
+    return false unless super
     return true if log.ownershipsch == 2 || (log.ownershipsch == 3 && log.mortgageused == 1)
     return false if log.stairowned_100? != @optional && form.start_year_after_2024?
 

app/models/form/sales/pages/deposit_discount.rb

@@ -0,0 +1,21 @@
+class Form::Sales::Pages::DepositDiscount < ::Form::Page
+  def initialize(id, hsh, subsection, optional:)
+    super(id, hsh, subsection)
+    @optional = optional
+    @header = "About the deposit"
+  end
+
+  def questions
+    @questions ||= [
+      Form::Sales::Questions::DepositDiscount.new(nil, nil, self),
+    ]
+  end
+
+  def depends_on
+    if form.start_year_after_2024?
+      [{ "social_homebuy?" => true, "stairowned_100?" => @optional }]
+    else
+      [{ "social_homebuy?" => true }]
+    end
+  end
+end

app/models/form/sales/pages/discount.rb

@@ -1,21 +1,16 @@
 class Form::Sales::Pages::Discount < ::Form::Page
-  def initialize(id, hsh, subsection, optional:)
-    super(id, hsh, subsection)
-    @optional = optional
-    @header = "About the deposit"
+  def initialize(id, hsh, subsection)
+    super
+    @id = "discount"
+    @header = "About the price of the property"
+    @depends_on = [{
+      "right_to_buy?" => true,
+    }]
   end
 
   def questions
     @questions ||= [
-      Form::Sales::Questions::DepositDiscount.new(nil, nil, self),
+      Form::Sales::Questions::Discount.new(nil, nil, self),
     ]
   end
-
-  def depends_on
-    if form.start_year_after_2024?
-      [{ "social_homebuy?" => true, "stairowned_100?" => @optional }]
-    else
-      [{ "social_homebuy?" => true }]
-    end
-  end
 end

app/models/form/sales/pages/grant.rb

@@ -1,7 +1,7 @@
-class Form::Sales::Pages::AboutPriceNotRtb < ::Form::Page
+class Form::Sales::Pages::Grant < ::Form::Page
   def initialize(id, hsh, subsection)
     super
-    @id = "about_price_not_rtb"
+    @id = "grant"
     @header = "About the price of the property"
     @depends_on = [{
       "right_to_buy?" => false,
@@ -11,7 +11,6 @@ class Form::Sales::Pages::AboutPriceNotRtb < ::Form::Page
 
   def questions
     @questions ||= [
-      Form::Sales::Questions::PurchasePrice.new(nil, nil, self, ownershipsch: 2),
       Form::Sales::Questions::Grant.new(nil, nil, self),
     ]
   end

app/models/form/sales/pages/purchase_price.rb

@@ -0,0 +1,18 @@
+class Form::Sales::Pages::PurchasePrice < ::Form::Page
+  def initialize(id, hsh, subsection)
+    super
+    @id = "purchase_price"
+    @header = "About the price of the property"
+    @depends_on = [{ "right_to_buy?" => true },
+                   {
+                     "right_to_buy?" => false,
+                     "rent_to_buy_full_ownership?" => false,
+                   }]
+  end
+
+  def questions
+    @questions ||= [
+      Form::Sales::Questions::PurchasePrice.new(nil, nil, self, ownershipsch: 2),
+    ]
+  end
+end

app/models/form/sales/questions/deposit_amount.rb

@@ -13,7 +13,7 @@ class Form::Sales::Questions::DepositAmount < ::Form::Question
     @ownershipsch = ownershipsch
     @question_number = QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.fetch(form.start_date.year, QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.max_by { |k, _v| k }.last)[ownershipsch]
     @optional = optional
-    @top_guidance_partial = "financial_calculations_shared_ownership" if ownershipsch == 1
+    @top_guidance_partial = top_guidance_partial
   end
 
   def derived?(log)
@@ -32,4 +32,9 @@ class Form::Sales::Questions::DepositAmount < ::Form::Question
       "Enter the total cash sum paid by the buyer towards the property that was not funded by the mortgage. This excludes any grant or loan"
     end
   end
+
+  def top_guidance_partial
+    return "financial_calculations_shared_ownership" if @ownershipsch == 1
+    return "financial_calculations_discounted_ownership" if @ownershipsch == 2
+  end
 end

app/models/form/sales/questions/discount.rb

@@ -14,6 +14,7 @@ class Form::Sales::Questions::Discount < ::Form::Question
     If discount capped, enter capped %</br></br>
     If the property is being sold to an existing tenant under the RTB, PRTB, or VRTB schemes, enter the % discount from the full market value that is being given."
     @question_number = QUESTION_NUMBER_FROM_YEAR[form.start_date.year] || QUESTION_NUMBER_FROM_YEAR[QUESTION_NUMBER_FROM_YEAR.keys.max]
+    @top_guidance_partial = "financial_calculations_discounted_ownership"
   end
 
   QUESTION_NUMBER_FROM_YEAR = { 2023 => 102, 2024 => 103 }.freeze

app/models/form/sales/questions/grant.rb

@@ -12,6 +12,7 @@ class Form::Sales::Questions::Grant < ::Form::Question
     @prefix = "£"
     @hint_text = "For all schemes except Right to Buy (RTB), Preserved Right to Buy (PRTB), Voluntary Right to Buy (VRTB) and Rent to Buy"
     @question_number = QUESTION_NUMBER_FROM_YEAR[form.start_date.year] || QUESTION_NUMBER_FROM_YEAR[QUESTION_NUMBER_FROM_YEAR.keys.max]
+    @top_guidance_partial = "financial_calculations_discounted_ownership"
   end
 
   QUESTION_NUMBER_FROM_YEAR = { 2023 => 101, 2024 => 102 }.freeze

app/models/form/sales/questions/mortgage_amount.rb

@@ -12,7 +12,7 @@ class Form::Sales::Questions::MortgageAmount < ::Form::Question
     @hint_text = "Enter the amount of mortgage agreed with the mortgage lender. Exclude any deposits or cash payments. Numeric in pounds. Rounded to the nearest pound."
     @ownershipsch = ownershipsch
     @question_number = QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.fetch(form.start_date.year, QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.max_by { |k, _v| k }.last)[ownershipsch]
-    @top_guidance_partial = "financial_calculations_shared_ownership" if ownershipsch == 1
+    @top_guidance_partial = top_guidance_partial
   end
 
   QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP = {
@@ -23,4 +23,9 @@ class Form::Sales::Questions::MortgageAmount < ::Form::Question
   def derived?(log)
     log&.mortgage_not_used?
   end
+
+  def top_guidance_partial
+    return "financial_calculations_shared_ownership" if @ownershipsch == 1
+    return "financial_calculations_discounted_ownership" if @ownershipsch == 2
+  end
 end

app/models/form/sales/questions/mortgageused.rb

@@ -8,6 +8,7 @@ class Form::Sales::Questions::Mortgageused < ::Form::Question
     @answer_options = ANSWER_OPTIONS
     @ownershipsch = ownershipsch
     @question_number = QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.fetch(form.start_date.year, QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.max_by { |k, _v| k }.last)[ownershipsch]
+    @top_guidance_partial = "financial_calculations_discounted_ownership" if @ownershipsch == 2
   end
 
   def displayed_answer_options(log, _user = nil)

app/models/form/sales/questions/purchase_price.rb

@@ -12,6 +12,7 @@ class Form::Sales::Questions::PurchasePrice < ::Form::Question
     @hint_text = hint_text
     @ownership_sch = ownershipsch
     @question_number = QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.fetch(form.start_date.year, QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP.max_by { |k, _v| k }.last)[ownershipsch]
+    @top_guidance_partial = "financial_calculations_discounted_ownership" if ownershipsch == 2
   end
 
   QUESTION_NUMBER_FROM_YEAR_AND_OWNERSHIP = {

app/models/form/sales/subsections/discounted_ownership_scheme.rb

@@ -10,10 +10,11 @@ class Form::Sales::Subsections::DiscountedOwnershipScheme < ::Form::Subsection
     @pages ||= [
       Form::Sales::Pages::LivingBeforePurchase.new("living_before_purchase_discounted_ownership_joint_purchase", nil, self, ownershipsch: 2, joint_purchase: true),
       Form::Sales::Pages::LivingBeforePurchase.new("living_before_purchase_discounted_ownership", nil, self, ownershipsch: 2, joint_purchase: false),
-      Form::Sales::Pages::AboutPriceRtb.new(nil, nil, self),
+      Form::Sales::Pages::PurchasePrice.new(nil, nil, self),
+      Form::Sales::Pages::Discount.new(nil, nil, self),
       Form::Sales::Pages::ExtraBorrowingValueCheck.new("extra_borrowing_price_value_check", nil, self),
       Form::Sales::Pages::PercentageDiscountValueCheck.new("percentage_discount_value_check", nil, self),
-      Form::Sales::Pages::AboutPriceNotRtb.new(nil, nil, self),
+      Form::Sales::Pages::Grant.new(nil, nil, self),
       Form::Sales::Pages::GrantValueCheck.new(nil, nil, self),
       Form::Sales::Pages::PurchasePriceOutrightOwnership.new("purchase_price_discounted_ownership", nil, self, ownershipsch: 2),
       Form::Sales::Pages::DiscountedSaleValueCheck.new("discounted_sale_grant_value_check", nil, self),

app/models/form/sales/subsections/shared_ownership_scheme.rb

@@ -43,8 +43,8 @@ class Form::Sales::Subsections::SharedOwnershipScheme < ::Form::Subsection
       (Form::Sales::Pages::Deposit.new("deposit_shared_ownership_optional", nil, self, ownershipsch: 1, optional: true) if form.start_year_after_2024?),
       Form::Sales::Pages::DepositValueCheck.new("deposit_joint_purchase_value_check", nil, self, joint_purchase: true),
       Form::Sales::Pages::DepositValueCheck.new("deposit_value_check", nil, self, joint_purchase: false),
-      Form::Sales::Pages::Discount.new("discount", nil, self, optional: false),
-      (Form::Sales::Pages::Discount.new("discount_optional", nil, self, optional: true) if form.start_year_after_2024?),
+      Form::Sales::Pages::DepositDiscount.new("discount", nil, self, optional: false),
+      (Form::Sales::Pages::DepositDiscount.new("discount_optional", nil, self, optional: true) if form.start_year_after_2024?),
       Form::Sales::Pages::SharedOwnershipDepositValueCheck.new("shared_ownership_deposit_value_check", nil, self),
       Form::Sales::Pages::MonthlyRent.new(nil, nil, self),
       Form::Sales::Pages::LeaseholdCharges.new("leasehold_charges_shared_ownership", nil, self, ownershipsch: 1),

app/models/validations/sales/sale_information_validations.rb

@@ -52,7 +52,13 @@ module Validations::Sales::SaleInformationValidations
 
     if over_tolerance?(record.mortgage_deposit_and_grant_total, record.value_with_discount, tolerance, strict: !record.discount.nil?) && record.discounted_ownership_sale?
       %i[mortgageused mortgage value deposit ownershipsch discount grant].each do |field|
-        record.errors.add field, I18n.t("validations.sale_information.discounted_ownership_value", mortgage_deposit_and_grant_total: record.field_formatted_as_currency("mortgage_deposit_and_grant_total"), value_with_discount: record.field_formatted_as_currency("value_with_discount"))
+        record.errors.add field, I18n.t("validations.sale_information.discounted_ownership_value",
+                                        mortgage: record.mortgage&.positive? ? " (#{record.field_formatted_as_currency('mortgage')})" : "",
+                                        deposit: record.field_formatted_as_currency("deposit"),
+                                        grant: record.grant.present? ? " (#{record.field_formatted_as_currency('grant')})" : "",
+                                        mortgage_deposit_and_grant_total: record.field_formatted_as_currency("mortgage_deposit_and_grant_total"),
+                                        discount_sentence: record.discount.present? ? " (#{record.field_formatted_as_currency('value')}) times by the discount (#{record.discount}%)" : "",
+                                        value_with_discount: record.field_formatted_as_currency("value_with_discount")).html_safe
       end
     end
   end

app/views/form/_radio_question.html.erb

@@ -1,4 +1,4 @@
-<%= render partial: "form/guidance/#{question.top_guidance_partial}" if question.top_guidance? %>
+<%= render partial: "form/guidance/#{question.top_guidance_partial}", locals: { log: @log } if question.top_guidance? %>
   <% banner = question.notification_banner(@log) %>
   <% if banner %>
     <%= govuk_notification_banner(

app/views/form/guidance/_financial_calculations_discounted_ownership.html.erb

@@ -0,0 +1,14 @@
+<% grant_page = log.form.get_question("grant", log).page %>
+<% mortgage_page = log.form.get_question("mortgage", log).page %>
+<% discount_page = log.form.get_question("discount", log).page %>
+<% deposit_page = log.form.get_question("deposit", log).page %>
+<%= govuk_details(summary_text: "How the financial values are calculated") do %>
+  <p class="govuk-body">
+  The mortgage amount <%= "(#{govuk_link_to 'Q105', send("#{log.class.name.underscore}_#{mortgage_page.id}_path", log)})".html_safe if mortgage_page.routed_to?(log, current_user) %>
+   cash deposit <%= "(#{govuk_link_to 'Q109', send("#{log.class.name.underscore}_#{deposit_page.id}_path", log)})".html_safe if deposit_page.routed_to?(log, current_user) %>
+   and grant <%= "(#{govuk_link_to 'Q102', send("#{log.class.name.underscore}_#{grant_page.id}_path", log)})".html_safe if grant_page.routed_to?(log, current_user) %>
+   added together must equal
+   the purchase price (<%= govuk_link_to "Q101", send("#{log.class.name.underscore}_#{log.form.get_question('value', log).page.id}_path", log) %>)
+   multiplied by the discount stake <%= "(#{govuk_link_to '103', send("#{log.class.name.underscore}_#{discount_page.id}_path", log)})".html_safe if discount_page.routed_to?(log, current_user) %>
+   </p>
+<% end %>

app/views/form/guidance/_financial_calculations_shared_ownership.html.erb

@@ -1,4 +1,4 @@
-<%= govuk_details(summary_text: "How the financial values are calculated’") do %>
+<%= govuk_details(summary_text: "How the financial values are calculated") do %>
   <p class="govuk-body">
   The mortgage amount (<%= govuk_link_to "Q92", send("#{log.class.name.underscore}_#{log.form.get_question('mortgage', log).page.id}_path", log) %>),
    cash deposit (<%= govuk_link_to "Q95", send("#{log.class.name.underscore}_#{log.form.get_question('deposit', log).page.id}_path", log) %>)

config/locales/en.yml

@@ -644,7 +644,7 @@ en:
         must_be_after_hodate: "Sale completion date must be after practical completion or handover date"
       previous_property_type:
         property_type_bedsit: "A bedsit cannot have more than 1 bedroom"
-      discounted_ownership_value: "The mortgage, deposit, and grant when added together is %{mortgage_deposit_and_grant_total}, and the purchase price times by the discount is %{value_with_discount}. These figures should be the same"
+      discounted_ownership_value: "The mortgage%{mortgage}, cash deposit (%{deposit}), and grant%{grant} added together is %{mortgage_deposit_and_grant_total}.</br></br>The full purchase price%{discount_sentence} is %{value_with_discount}.</br></br>These two amounts should be the same."
       outright_sale_value: "The mortgage and deposit when added together is %{mortgage_and_deposit_total}, and the purchase price is %{value}. These figures should be the same."
       monthly_rent:
         higher_than_expected: "Basic monthly rent must be between £0.00 and £9,999.00"

spec/models/form/sales/pages/deposit_discount_spec.rb

@@ -0,0 +1,71 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Pages::DepositDiscount, type: :model do
+  subject(:page) { described_class.new(page_id, page_definition, subsection, optional: false) }
+
+  let(:page_id) { "discount" }
+  let(:page_definition) { nil }
+  let(:subsection) { instance_double(Form::Subsection) }
+
+  before do
+    allow(subsection).to receive(:form).and_return(instance_double(Form, start_year_after_2024?: false, start_date: Time.zone.local(2023, 4, 1)))
+  end
+
+  it "has correct subsection" do
+    expect(page.subsection).to eq(subsection)
+  end
+
+  it "has correct questions" do
+    expect(page.questions.map(&:id)).to eq(%w[cashdis])
+  end
+
+  it "has the correct id" do
+    expect(page.id).to eq("discount")
+  end
+
+  it "has the correct header" do
+    expect(page.header).to eq("About the deposit")
+  end
+
+  it "has the correct description" do
+    expect(page.description).to be_nil
+  end
+
+  it "has correct depends_on" do
+    expect(page.depends_on).to eq(
+      [{ "social_homebuy?" => true }],
+    )
+  end
+
+  context "when optional" do
+    subject(:page) { described_class.new(page_id, page_definition, subsection, optional: true) }
+
+    it "has correct depends_on" do
+      expect(page.depends_on).to eq(
+        [{ "social_homebuy?" => true }],
+      )
+    end
+  end
+
+  context "when it's a 2024 form" do
+    before do
+      allow(subsection).to receive(:form).and_return(instance_double(Form, start_year_after_2024?: true, start_date: Time.zone.local(2024, 4, 1)))
+    end
+
+    it "has correct depends_on" do
+      expect(page.depends_on).to eq(
+        [{ "social_homebuy?" => true, "stairowned_100?" => false }],
+      )
+    end
+
+    context "and optional" do
+      subject(:page) { described_class.new(page_id, page_definition, subsection, optional: true) }
+
+      it "has correct depends_on" do
+        expect(page.depends_on).to eq(
+          [{ "social_homebuy?" => true, "stairowned_100?" => true }],
+        )
+      end
+    end
+  end
+end

spec/models/form/sales/pages/deposit_spec.rb

@@ -5,8 +5,8 @@ RSpec.describe Form::Sales::Pages::Deposit, type: :model do
 
   let(:page_id) { nil }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection, enabled?: true) }
-  let(:form) { instance_double(Form, start_year_after_2024?: false, start_date: Time.zone.local(2023, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, enabled?: true, depends_on: true) }
+  let(:form) { instance_double(Form, start_year_after_2024?: false, start_date: Time.zone.local(2023, 4, 1), depends_on_met: true) }
   let(:optional) { false }
 
   before do

spec/models/form/sales/pages/discount_spec.rb

@@ -1,9 +1,9 @@
 require "rails_helper"
 
 RSpec.describe Form::Sales::Pages::Discount, type: :model do
-  subject(:page) { described_class.new(page_id, page_definition, subsection, optional: false) }
+  subject(:page) { described_class.new(page_id, page_definition, subsection) }
 
-  let(:page_id) { "discount" }
+  let(:page_id) { nil }
   let(:page_definition) { nil }
   let(:subsection) { instance_double(Form::Subsection) }
 
@@ -16,7 +16,7 @@ RSpec.describe Form::Sales::Pages::Discount, type: :model do
   end
 
   it "has correct questions" do
-    expect(page.questions.map(&:id)).to eq(%w[cashdis])
+    expect(page.questions.map(&:id)).to eq(%w[discount])
   end
 
   it "has the correct id" do
@@ -24,7 +24,7 @@ RSpec.describe Form::Sales::Pages::Discount, type: :model do
   end
 
   it "has the correct header" do
-    expect(page.header).to eq("About the deposit")
+    expect(page.header).to eq("About the price of the property")
   end
 
   it "has the correct description" do
@@ -32,40 +32,8 @@ RSpec.describe Form::Sales::Pages::Discount, type: :model do
   end
 
   it "has correct depends_on" do
-    expect(page.depends_on).to eq(
-      [{ "social_homebuy?" => true }],
-    )
-  end
-
-  context "when optional" do
-    subject(:page) { described_class.new(page_id, page_definition, subsection, optional: true) }
-
-    it "has correct depends_on" do
-      expect(page.depends_on).to eq(
-        [{ "social_homebuy?" => true }],
-      )
-    end
-  end
-
-  context "when it's a 2024 form" do
-    before do
-      allow(subsection).to receive(:form).and_return(instance_double(Form, start_year_after_2024?: true, start_date: Time.zone.local(2024, 4, 1)))
-    end
-
-    it "has correct depends_on" do
-      expect(page.depends_on).to eq(
-        [{ "social_homebuy?" => true, "stairowned_100?" => false }],
-      )
-    end
-
-    context "and optional" do
-      subject(:page) { described_class.new(page_id, page_definition, subsection, optional: true) }
-
-      it "has correct depends_on" do
-        expect(page.depends_on).to eq(
-          [{ "social_homebuy?" => true, "stairowned_100?" => true }],
-        )
-      end
-    end
+    expect(page.depends_on).to eq([{
+      "right_to_buy?" => true,
+    }])
   end
 end

spec/models/form/sales/pages/grant_spec.rb

@@ -1,6 +1,6 @@
 require "rails_helper"
 
-RSpec.describe Form::Sales::Pages::AboutPriceNotRtb, type: :model do
+RSpec.describe Form::Sales::Pages::Grant, type: :model do
   subject(:page) { described_class.new(page_id, page_definition, subsection) }
 
   let(:page_id) { nil }
@@ -12,11 +12,11 @@ RSpec.describe Form::Sales::Pages::AboutPriceNotRtb, type: :model do
   end
 
   it "has correct questions" do
-    expect(page.questions.map(&:id)).to eq(%w[value grant])
+    expect(page.questions.map(&:id)).to eq(%w[grant])
   end
 
   it "has the correct id" do
-    expect(page.id).to eq("about_price_not_rtb")
+    expect(page.id).to eq("grant")
   end
 
   it "has the correct header" do

spec/models/form/sales/pages/purchase_price_spec.rb

@@ -1,6 +1,6 @@
 require "rails_helper"
 
-RSpec.describe Form::Sales::Pages::AboutPriceRtb, type: :model do
+RSpec.describe Form::Sales::Pages::PurchasePrice, type: :model do
   subject(:page) { described_class.new(page_id, page_definition, subsection) }
 
   let(:page_id) { nil }
@@ -16,11 +16,11 @@ RSpec.describe Form::Sales::Pages::AboutPriceRtb, type: :model do
   end
 
   it "has correct questions" do
-    expect(page.questions.map(&:id)).to eq(%w[value discount])
+    expect(page.questions.map(&:id)).to eq(%w[value])
   end
 
   it "has the correct id" do
-    expect(page.id).to eq("about_price_rtb")
+    expect(page.id).to eq("purchase_price")
   end
 
   it "has the correct header" do
@@ -32,8 +32,7 @@ RSpec.describe Form::Sales::Pages::AboutPriceRtb, type: :model do
   end
 
   it "has correct depends_on" do
-    expect(page.depends_on).to eq([{
-      "right_to_buy?" => true,
-    }])
+    expect(page.depends_on).to eq([{ "right_to_buy?" => true },
+                                   { "rent_to_buy_full_ownership?" => false, "right_to_buy?" => false }])
   end
 end

spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb

@@ -16,10 +16,11 @@ RSpec.describe Form::Sales::Subsections::DiscountedOwnershipScheme, type: :model
       %w[
         living_before_purchase_discounted_ownership_joint_purchase
         living_before_purchase_discounted_ownership
-        about_price_rtb
+        purchase_price
+        discount
         extra_borrowing_price_value_check
         percentage_discount_value_check
-        about_price_not_rtb
+        grant
         grant_value_check
         purchase_price_discounted_ownership
         discounted_sale_grant_value_check

spec/models/validations/sales/sale_information_validations_spec.rb

@@ -235,13 +235,13 @@ RSpec.describe Validations::Sales::SaleInformationValidations do
 
           sale_information_validator.validate_discounted_ownership_value(record)
 
-          expect(record.errors["mortgageused"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £49,999.00. These figures should be the same")
-          expect(record.errors["mortgage"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £49,999.00. These figures should be the same")
-          expect(record.errors["value"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £49,999.00. These figures should be the same")
-          expect(record.errors["deposit"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £49,999.00. These figures should be the same")
-          expect(record.errors["ownershipsch"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £49,999.00. These figures should be the same")
-          expect(record.errors["discount"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £49,999.00. These figures should be the same")
-          expect(record.errors["grant"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £49,999.00. These figures should be the same")
+          expect(record.errors["mortgageused"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £49,999.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["mortgage"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £49,999.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["value"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £49,999.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["deposit"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £49,999.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["ownershipsch"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £49,999.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["discount"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £49,999.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["grant"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £49,999.00.</br></br>These two amounts should be the same.")
         end
 
         it "adds an error if mortgage, deposit and grant at least 1 less than discounted value" do
@@ -252,13 +252,13 @@ RSpec.describe Validations::Sales::SaleInformationValidations do
 
           sale_information_validator.validate_discounted_ownership_value(record)
 
-          expect(record.errors["mortgageused"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £50,001.00. These figures should be the same")
-          expect(record.errors["mortgage"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £50,001.00. These figures should be the same")
-          expect(record.errors["value"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £50,001.00. These figures should be the same")
-          expect(record.errors["deposit"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £50,001.00. These figures should be the same")
-          expect(record.errors["ownershipsch"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £50,001.00. These figures should be the same")
-          expect(record.errors["discount"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £50,001.00. These figures should be the same")
-          expect(record.errors["grant"]).to include("The mortgage, deposit, and grant when added together is £50,000.00, and the purchase price times by the discount is £50,001.00. These figures should be the same")
+          expect(record.errors["mortgageused"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £50,001.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["mortgage"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £50,001.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["value"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £50,001.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["deposit"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £50,001.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["ownershipsch"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £50,001.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["discount"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £50,001.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["grant"]).to include("The mortgage (£30,000.00), cash deposit (£5,000.00), and grant (£15,000.00) added together is £50,000.00.</br></br>The full purchase price is £50,001.00.</br></br>These two amounts should be the same.")
         end
 
         it "does not add an error if mortgage, deposit and grant total equals discounted value" do
@@ -345,13 +345,13 @@ RSpec.describe Validations::Sales::SaleInformationValidations do
 
           sale_information_validator.validate_discounted_ownership_value(record)
 
-          expect(record.errors["mortgageused"]).to include("The mortgage, deposit, and grant when added together is £66,113.00, and the purchase price times by the discount is £66,051.00. These figures should be the same")
-          expect(record.errors["mortgage"]).to include("The mortgage, deposit, and grant when added together is £66,113.00, and the purchase price times by the discount is £66,051.00. These figures should be the same")
-          expect(record.errors["value"]).to include("The mortgage, deposit, and grant when added together is £66,113.00, and the purchase price times by the discount is £66,051.00. These figures should be the same")
-          expect(record.errors["deposit"]).to include("The mortgage, deposit, and grant when added together is £66,113.00, and the purchase price times by the discount is £66,051.00. These figures should be the same")
-          expect(record.errors["ownershipsch"]).to include("The mortgage, deposit, and grant when added together is £66,113.00, and the purchase price times by the discount is £66,051.00. These figures should be the same")
-          expect(record.errors["discount"]).to include("The mortgage, deposit, and grant when added together is £66,113.00, and the purchase price times by the discount is £66,051.00. These figures should be the same")
-          expect(record.errors["grant"]).to include("The mortgage, deposit, and grant when added together is £66,113.00, and the purchase price times by the discount is £66,051.00. These figures should be the same")
+          expect(record.errors["mortgageused"]).to include("The mortgage (£66,113.00), cash deposit (£0.00), and grant added together is £66,113.00.</br></br>The full purchase price (£123,000.00) times by the discount (46.3%) is £66,051.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["mortgage"]).to include("The mortgage (£66,113.00), cash deposit (£0.00), and grant added together is £66,113.00.</br></br>The full purchase price (£123,000.00) times by the discount (46.3%) is £66,051.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["value"]).to include("The mortgage (£66,113.00), cash deposit (£0.00), and grant added together is £66,113.00.</br></br>The full purchase price (£123,000.00) times by the discount (46.3%) is £66,051.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["deposit"]).to include("The mortgage (£66,113.00), cash deposit (£0.00), and grant added together is £66,113.00.</br></br>The full purchase price (£123,000.00) times by the discount (46.3%) is £66,051.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["ownershipsch"]).to include("The mortgage (£66,113.00), cash deposit (£0.00), and grant added together is £66,113.00.</br></br>The full purchase price (£123,000.00) times by the discount (46.3%) is £66,051.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["discount"]).to include("The mortgage (£66,113.00), cash deposit (£0.00), and grant added together is £66,113.00.</br></br>The full purchase price (£123,000.00) times by the discount (46.3%) is £66,051.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["grant"]).to include("The mortgage (£66,113.00), cash deposit (£0.00), and grant added together is £66,113.00.</br></br>The full purchase price (£123,000.00) times by the discount (46.3%) is £66,051.00.</br></br>These two amounts should be the same.")
         end
 
         it "does not add errors if mortgage and deposit total is exactly 0.05% x market value away from market value - discount" do
@@ -379,13 +379,14 @@ RSpec.describe Validations::Sales::SaleInformationValidations do
       it "returns true if mortgage and deposit total does not equal market value" do
         record.deposit = 2_000
         sale_information_validator.validate_discounted_ownership_value(record)
-        expect(record.errors["mortgageused"]).to include("The mortgage, deposit, and grant when added together is £12,000.00, and the purchase price times by the discount is £30,000.00. These figures should be the same")
-        expect(record.errors["mortgage"]).to include("The mortgage, deposit, and grant when added together is £12,000.00, and the purchase price times by the discount is £30,000.00. These figures should be the same")
-        expect(record.errors["value"]).to include("The mortgage, deposit, and grant when added together is £12,000.00, and the purchase price times by the discount is £30,000.00. These figures should be the same")
-        expect(record.errors["deposit"]).to include("The mortgage, deposit, and grant when added together is £12,000.00, and the purchase price times by the discount is £30,000.00. These figures should be the same")
-        expect(record.errors["ownershipsch"]).to include("The mortgage, deposit, and grant when added together is £12,000.00, and the purchase price times by the discount is £30,000.00. These figures should be the same")
-        expect(record.errors["discount"]).to include("The mortgage, deposit, and grant when added together is £12,000.00, and the purchase price times by the discount is £30,000.00. These figures should be the same")
-        expect(record.errors["grant"]).to include("The mortgage, deposit, and grant when added together is £12,000.00, and the purchase price times by the discount is £30,000.00. These figures should be the same")
+
+        expect(record.errors["mortgageused"]).to include("The mortgage (£10,000.00), cash deposit (£2,000.00), and grant added together is £12,000.00.</br></br>The full purchase price is £30,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["mortgage"]).to include("The mortgage (£10,000.00), cash deposit (£2,000.00), and grant added together is £12,000.00.</br></br>The full purchase price is £30,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["value"]).to include("The mortgage (£10,000.00), cash deposit (£2,000.00), and grant added together is £12,000.00.</br></br>The full purchase price is £30,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["deposit"]).to include("The mortgage (£10,000.00), cash deposit (£2,000.00), and grant added together is £12,000.00.</br></br>The full purchase price is £30,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["ownershipsch"]).to include("The mortgage (£10,000.00), cash deposit (£2,000.00), and grant added together is £12,000.00.</br></br>The full purchase price is £30,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["discount"]).to include("The mortgage (£10,000.00), cash deposit (£2,000.00), and grant added together is £12,000.00.</br></br>The full purchase price is £30,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["grant"]).to include("The mortgage (£10,000.00), cash deposit (£2,000.00), and grant added together is £12,000.00.</br></br>The full purchase price is £30,000.00.</br></br>These two amounts should be the same.")
       end
 
       it "returns false if mortgage and deposit total equals market value" do
@@ -425,13 +426,13 @@ RSpec.describe Validations::Sales::SaleInformationValidations do
         it "returns true if mortgage, grant and deposit total does not equal market value - discount" do
           record.mortgage = 10
           sale_information_validator.validate_discounted_ownership_value(record)
-          expect(record.errors["mortgageused"]).to include("The mortgage, deposit, and grant when added together is £8,010.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-          expect(record.errors["mortgage"]).to include("The mortgage, deposit, and grant when added together is £8,010.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-          expect(record.errors["value"]).to include("The mortgage, deposit, and grant when added together is £8,010.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-          expect(record.errors["deposit"]).to include("The mortgage, deposit, and grant when added together is £8,010.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-          expect(record.errors["ownershipsch"]).to include("The mortgage, deposit, and grant when added together is £8,010.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-          expect(record.errors["discount"]).to include("The mortgage, deposit, and grant when added together is £8,010.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-          expect(record.errors["grant"]).to include("The mortgage, deposit, and grant when added together is £8,010.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
+          expect(record.errors["mortgageused"]).to include("The mortgage (£10.00), cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,010.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["mortgage"]).to include("The mortgage (£10.00), cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,010.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["value"]).to include("The mortgage (£10.00), cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,010.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["deposit"]).to include("The mortgage (£10.00), cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,010.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["ownershipsch"]).to include("The mortgage (£10.00), cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,010.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["discount"]).to include("The mortgage (£10.00), cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,010.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+          expect(record.errors["grant"]).to include("The mortgage (£10.00), cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,010.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
         end
 
         it "returns false if mortgage, grant and deposit total equals market value - discount" do
@@ -453,13 +454,14 @@ RSpec.describe Validations::Sales::SaleInformationValidations do
 
       it "returns true if grant and deposit total does not equal market value - discount" do
         sale_information_validator.validate_discounted_ownership_value(record)
-        expect(record.errors["mortgageused"]).to include("The mortgage, deposit, and grant when added together is £8,000.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-        expect(record.errors["mortgage"]).to include("The mortgage, deposit, and grant when added together is £8,000.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-        expect(record.errors["value"]).to include("The mortgage, deposit, and grant when added together is £8,000.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-        expect(record.errors["deposit"]).to include("The mortgage, deposit, and grant when added together is £8,000.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-        expect(record.errors["ownershipsch"]).to include("The mortgage, deposit, and grant when added together is £8,000.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-        expect(record.errors["discount"]).to include("The mortgage, deposit, and grant when added together is £8,000.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
-        expect(record.errors["grant"]).to include("The mortgage, deposit, and grant when added together is £8,000.00, and the purchase price times by the discount is £18,000.00. These figures should be the same")
+
+        expect(record.errors["mortgageused"]).to include("The mortgage, cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,000.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["mortgage"]).to include("The mortgage, cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,000.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["value"]).to include("The mortgage, cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,000.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["deposit"]).to include("The mortgage, cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,000.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["ownershipsch"]).to include("The mortgage, cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,000.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["discount"]).to include("The mortgage, cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,000.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
+        expect(record.errors["grant"]).to include("The mortgage, cash deposit (£5,000.00), and grant (£3,000.00) added together is £8,000.00.</br></br>The full purchase price (£20,000.00) times by the discount (10.0%) is £18,000.00.</br></br>These two amounts should be the same.")
       end
 
       it "returns false if mortgage, grant and deposit total equals market value - discount" do

spec/services/bulk_upload/sales/year2024/row_parser_spec.rb

@@ -1379,7 +1379,7 @@ RSpec.describe BulkUpload::Sales::Year2024::RowParser do
         it "only adds errors to the discounted ownership field" do
           parser.valid?
           expect(parser.errors[:field_103]).to be_empty
-          expect(parser.errors[:field_117]).to include("The mortgage, deposit, and grant when added together is £100.00, and the purchase price times by the discount is £90.00. These figures should be the same")
+          expect(parser.errors[:field_117]).to include("The mortgage, cash deposit (£100.00), and grant added together is £100.00.</br></br>The full purchase price (£100.00) times by the discount (10.0%) is £90.00.</br></br>These two amounts should be the same.")
           expect(parser.errors[:field_126]).to be_empty
         end
       end