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The following commit(s) were added to refs/heads/develop by this push:
new 737455f52 FINERACT-2081: Loan account summary with Unpaid Payable
Interest
737455f52 is described below
commit 737455f52f3330461f97486b5f99f74ec62ba6ec
Author: Jose Alberto Hernandez <[email protected]>
AuthorDate: Wed Jul 31 00:23:10 2024 -0600
FINERACT-2081: Loan account summary with Unpaid Payable Interest
---
.../src/main/avro/loan/v1/LoanSummaryDataV1.avsc | 4 +-
.../loanaccount/data/LoanSummaryData.java | 86 ++++---------
.../loanschedule/data/LoanSchedulePeriodData.java | 44 +++++++
.../loanaccount/api/LoansApiResourceSwagger.java | 4 +-
...PaymentAllocationLoanRepaymentScheduleTest.java | 141 ++++++++++++++++-----
5 files changed, 184 insertions(+), 95 deletions(-)
diff --git a/fineract-avro-schemas/src/main/avro/loan/v1/LoanSummaryDataV1.avsc
b/fineract-avro-schemas/src/main/avro/loan/v1/LoanSummaryDataV1.avsc
index 5e74118cf..9ad816a55 100644
--- a/fineract-avro-schemas/src/main/avro/loan/v1/LoanSummaryDataV1.avsc
+++ b/fineract-avro-schemas/src/main/avro/loan/v1/LoanSummaryDataV1.avsc
@@ -437,7 +437,7 @@
},
{
"default": null,
- "name": "totalUnpaidAccruedDueInterest",
+ "name": "totalUnpaidPayableDueInterest",
"type": [
"null",
"bigdecimal"
@@ -445,7 +445,7 @@
},
{
"default": null,
- "name": "totalUnpaidAccruedNotDueInterest",
+ "name": "totalUnpaidPayableNotDueInterest",
"type": [
"null",
"bigdecimal"
diff --git
a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanSummaryData.java
b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanSummaryData.java
index af9e1b9f1..01d688f0b 100644
---
a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanSummaryData.java
+++
b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanSummaryData.java
@@ -26,7 +26,6 @@ import lombok.Builder;
import lombok.Data;
import lombok.experimental.Accessors;
import org.apache.fineract.infrastructure.core.service.DateUtils;
-import org.apache.fineract.infrastructure.core.service.MathUtil;
import org.apache.fineract.organisation.monetary.data.CurrencyData;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionType;
import
org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
@@ -100,11 +99,12 @@ public class LoanSummaryData {
private final Long chargeOffReasonId;
private final String chargeOffReason;
- private BigDecimal totalUnpaidAccruedDueInterest;
- private BigDecimal totalUnpaidAccruedNotDueInterest;
+ private BigDecimal totalUnpaidPayableDueInterest;
+ private BigDecimal totalUnpaidPayableNotDueInterest;
public static LoanSummaryData withTransactionAmountsSummary(final
LoanSummaryData defaultSummaryData,
final LoanScheduleData repaymentSchedule, final
Collection<LoanTransactionBalance> loanTransactionBalances) {
+ final LocalDate businessDate = DateUtils.getBusinessLocalDate();
BigDecimal totalMerchantRefund = BigDecimal.ZERO;
BigDecimal totalMerchantRefundReversed = BigDecimal.ZERO;
@@ -121,8 +121,8 @@ public class LoanSummaryData {
BigDecimal totalRepaymentTransactionReversed = BigDecimal.ZERO;
BigDecimal totalInterestPaymentWaiver = BigDecimal.ZERO;
BigDecimal totalInterestRefund = BigDecimal.ZERO;
- BigDecimal totalUnpaidAccruedDueInterest = BigDecimal.ZERO;
- BigDecimal totalUnpaidAccruedNotDueInterest = BigDecimal.ZERO;
+ BigDecimal totalUnpaidPayableDueInterest = BigDecimal.ZERO;
+ BigDecimal totalUnpaidPayableNotDueInterest = BigDecimal.ZERO;
totalChargeAdjustment =
fetchLoanTransactionBalanceByType(loanTransactionBalances,
LoanTransactionType.CHARGE_ADJUSTMENT.getValue());
@@ -160,25 +160,12 @@ public class LoanSummaryData {
LoanTransactionType.REPAYMENT.getValue());
if (repaymentSchedule != null) {
- // Accrued Due Interest on Past due installments
- totalUnpaidAccruedDueInterest =
computeTotalAccruedDueInterestAmount(repaymentSchedule.getPeriods());
- if (MathUtil.isGreaterThanZero(totalUnpaidAccruedDueInterest)) {
- totalUnpaidAccruedDueInterest = totalUnpaidAccruedDueInterest
-
.subtract(computeTotalInterestPaidDueAmount(repaymentSchedule.getPeriods()));
- if (MathUtil.isLessThanZero(totalUnpaidAccruedDueInterest)) {
- totalUnpaidAccruedDueInterest = BigDecimal.ZERO;
- }
- }
+ // Outstanding Interest on Past due installments
+ totalUnpaidPayableDueInterest =
computeTotalUnpaidPayableDueInterestAmount(repaymentSchedule.getPeriods(),
businessDate);
- // Accrued Due Interest on Actual Installment
- totalUnpaidAccruedNotDueInterest =
computeTotalAccruedNotDueInterestAmountOnActualPeriod(repaymentSchedule.getPeriods());
- if (MathUtil.isGreaterThanZero(totalUnpaidAccruedNotDueInterest)) {
- totalUnpaidAccruedNotDueInterest =
totalUnpaidAccruedNotDueInterest
-
.subtract(computeTotalInterestPaidNotDueAmountOnActualPeriod(repaymentSchedule.getPeriods()));
- if (MathUtil.isLessThanZero(totalUnpaidAccruedNotDueInterest))
{
- totalUnpaidAccruedNotDueInterest = BigDecimal.ZERO;
- }
- }
+ // Accumulated daily interest of the current Installment period
+ totalUnpaidPayableNotDueInterest =
computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(repaymentSchedule.getPeriods(),
+ businessDate);
}
return
LoanSummaryData.builder().currency(defaultSummaryData.currency).principalDisbursed(defaultSummaryData.principalDisbursed)
@@ -212,8 +199,8 @@ public class LoanSummaryData {
.totalChargeback(totalChargeback).totalCreditBalanceRefund(totalCreditBalanceRefund)
.totalCreditBalanceRefundReversed(totalCreditBalanceRefundReversed).totalRepaymentTransaction(totalRepaymentTransaction)
.totalRepaymentTransactionReversed(totalRepaymentTransactionReversed).totalInterestPaymentWaiver(totalInterestPaymentWaiver)
- .totalUnpaidAccruedDueInterest(totalUnpaidAccruedDueInterest)
-
.totalUnpaidAccruedNotDueInterest(totalUnpaidAccruedNotDueInterest).totalInterestRefund(totalInterestRefund).build();
+ .totalUnpaidPayableDueInterest(totalUnpaidPayableDueInterest)
+
.totalUnpaidPayableNotDueInterest(totalUnpaidPayableNotDueInterest).totalInterestRefund(totalInterestRefund).build();
}
private static BigDecimal fetchLoanTransactionBalanceByType(final
Collection<LoanTransactionBalance> loanTransactionBalances,
@@ -236,44 +223,23 @@ public class LoanSummaryData {
return LoanSummaryData.builder().currency(currencyData).build();
}
- private static BigDecimal
computeTotalAccruedDueInterestAmount(Collection<LoanSchedulePeriodData>
periods) {
- final LocalDate businessDate = DateUtils.getBusinessLocalDate();
- return periods.stream().filter(period ->
!period.getDownPaymentPeriod() && businessDate.isAfter(period.getDueDate()))
- .map(period ->
period.getTotalAccruedInterest()).reduce(BigDecimal.ZERO, BigDecimal::add);
- }
-
- private static BigDecimal
computeTotalInterestPaidDueAmount(Collection<LoanSchedulePeriodData> periods) {
- final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+ private static BigDecimal
computeTotalUnpaidPayableDueInterestAmount(Collection<LoanSchedulePeriodData>
periods,
+ final LocalDate businessDate) {
return periods.stream().filter(period ->
!period.getDownPaymentPeriod() && businessDate.isAfter(period.getDueDate()))
- .map(period ->
period.getInterestPaid()).reduce(BigDecimal.ZERO, BigDecimal::add);
+ .map(period ->
period.getInterestOutstanding()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
- private static BigDecimal
computeTotalAccruedNotDueInterestAmountOnActualPeriod(Collection<LoanSchedulePeriodData>
periods) {
- final LocalDate businessDate = DateUtils.getBusinessLocalDate();
- return periods.stream()
- .filter(period -> !period.getDownPaymentPeriod() &&
isActualPeriod(period) && businessDate.isBefore(period.getDueDate()))
- .map(period ->
period.getTotalAccruedInterest()).reduce(BigDecimal.ZERO, BigDecimal::add);
- }
-
- private static BigDecimal
computeTotalInterestPaidNotDueAmountOnActualPeriod(Collection<LoanSchedulePeriodData>
periods) {
- final LocalDate businessDate = DateUtils.getBusinessLocalDate();
- return periods.stream()
- .filter(period -> !period.getDownPaymentPeriod() &&
isActualPeriod(period) && businessDate.isBefore(period.getDueDate()))
- .map(period ->
period.getInterestPaid()).reduce(BigDecimal.ZERO, BigDecimal::add);
- }
-
- private static boolean isActualPeriod(LoanSchedulePeriodData period) {
- final LocalDate businessDate = DateUtils.getBusinessLocalDate();
- boolean actualPeriod = false;
- if (period.getPeriod() != null) {
- if (period.getPeriod() == 1) {
- actualPeriod = ((businessDate.isEqual(period.getFromDate()) ||
businessDate.isAfter(period.getFromDate()))
- && businessDate.isBefore(period.getDueDate()));
- } else {
- actualPeriod = (businessDate.isAfter(period.getFromDate()) &&
businessDate.isBefore(period.getDueDate()));
- }
+ private static BigDecimal
computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(final
Collection<LoanSchedulePeriodData> periods,
+ final LocalDate businessDate) {
+ // Default value equal to Zero
+ BigDecimal totalAccruedNotDueInterestAmount = BigDecimal.ZERO;
+ // Find the current Period (If exists one) based in the Business date
+ final Optional<LoanSchedulePeriodData> optCurrentPeriod =
periods.stream()
+ .filter(period -> !period.getDownPaymentPeriod() &&
period.isActualPeriod(businessDate)).findFirst();
+ if (optCurrentPeriod.isPresent()) {
+ totalAccruedNotDueInterestAmount =
optCurrentPeriod.get().getInterestDueUntilDate(businessDate);
}
-
- return actualPeriod;
+ return totalAccruedNotDueInterestAmount;
}
+
}
diff --git
a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/data/LoanSchedulePeriodData.java
b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/data/LoanSchedulePeriodData.java
index fcf050ee7..730b61a69 100644
---
a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/data/LoanSchedulePeriodData.java
+++
b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/data/LoanSchedulePeriodData.java
@@ -23,6 +23,7 @@ import java.time.LocalDate;
import java.time.temporal.ChronoUnit;
import lombok.Getter;
import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
/**
* Immutable data object that represents a period of a loan schedule.
@@ -402,6 +403,49 @@ public final class LoanSchedulePeriodData {
return value;
}
+ public BigDecimal getRatePerDay() {
+ return
getInterestOriginalDue().divide(BigDecimal.valueOf(getDaysInPeriod()),
MoneyHelper.getMathContext());
+ }
+
+ public BigDecimal getInterestDueUntilDate(final LocalDate businessDate) {
+ if (getComplete()) {
+ return BigDecimal.ZERO;
+ } else {
+ if (businessDate.compareTo(getDueDate()) >= 0) { // Period is
matured
+ return getInterestOriginalDue();
+ }
+ if (businessDate.compareTo(getFromDate()) >= 0) { // If It is the
current period
+ return
getRatePerDay().multiply(BigDecimal.valueOf(DateUtils.getDifferenceInDays(getPeriodStartDate(),
businessDate)),
+ MoneyHelper.getMathContext());
+ }
+ return BigDecimal.ZERO;
+ }
+ }
+
+ public boolean isActualPeriod(final LocalDate businessDate) {
+ boolean actualPeriod = false;
+ if (getPeriod() != null) {
+ if (getPeriod() == 1) {
+ actualPeriod = ((businessDate.compareTo(getFromDate()) >= 0)
&& businessDate.compareTo(getDueDate()) <= 0);
+ } else {
+ actualPeriod = ((businessDate.compareTo(getFromDate()) > 0) &&
businessDate.compareTo(getDueDate()) <= 0);
+ }
+ }
+
+ return actualPeriod;
+ }
+
+ private LocalDate getPeriodStartDate() {
+ if (getPeriod() != null) {
+ if (getPeriod() == 1) {
+ return getFromDate();
+ } else {
+ return getFromDate().plusDays(1);
+ }
+ }
+ return null;
+ }
+
public BigDecimal getPrincipalDisbursed() {
return defaultToZeroIfNull(this.principalDisbursed);
}
diff --git
a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/LoansApiResourceSwagger.java
b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/LoansApiResourceSwagger.java
index 44dbe6621..91ba44c03 100644
---
a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/LoansApiResourceSwagger.java
+++
b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/LoansApiResourceSwagger.java
@@ -640,9 +640,9 @@ final class LoansApiResourceSwagger {
@Schema(example = "0.000000")
public Double totalRepaymentTransactionReversed;
@Schema(example = "0.000000")
- public BigDecimal totalUnpaidAccruedDueInterest;
+ public BigDecimal totalUnpaidPayableDueInterest;
@Schema(example = "0.000000")
- public BigDecimal totalUnpaidAccruedNotDueInterest;
+ public BigDecimal totalUnpaidPayableNotDueInterest;
@Schema(example = "0.000000")
public BigDecimal totalInterestRefund;
public Set<GetLoansLoanIdOverdueCharges> overdueCharges;
diff --git
a/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
b/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
index f94bca231..e522f0bd9 100644
---
a/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
+++
b/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
@@ -4720,8 +4720,8 @@ public class
AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
// After Disbursement we are expecting no Accrual transactions
GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Not Due yet
@@ -4732,14 +4732,14 @@ public class
AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("30
January 2024");
GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(new BigDecimal("0.97"),
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(new BigDecimal("0.97"),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
// Partial interest repayment
addRepaymentForLoan(createdLoanId.get(), 20.50, "30 January 2024");
loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(new BigDecimal("0.05"),
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(new BigDecimal("0.05"),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Not Due and Due Interest
@@ -4749,8 +4749,8 @@ public class
AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("20
February 2024");
GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
- assertEquals(new BigDecimal("0.12"),
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(new BigDecimal("0.52"),
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(new BigDecimal("0.12"),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(new BigDecimal("0.52"),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
}
@@ -4767,11 +4767,12 @@ public class
AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
runAt(operationDate, () -> {
Long clientId =
clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
PostLoanProductsRequest product =
createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
-
.interestRatePerPeriod(12.0).interestCalculationPeriodType(RepaymentFrequencyType.DAYS).interestRateFrequencyType(YEARS)
-
.daysInMonthType(DaysInMonthType.ACTUAL.getValue()).daysInYearType(DaysInYearType.DAYS_365.getValue())
- .numberOfRepayments(4)//
- .repaymentEvery(5)//
- .repaymentFrequencyType(0L)//
+
.interestRatePerPeriod(108.0).interestCalculationPeriodType(RepaymentFrequencyType.DAYS)
+
.interestRateFrequencyType(YEARS).daysInMonthType(DaysInMonthType.ACTUAL.getValue())
+
.daysInYearType(DaysInYearType.DAYS_360.getValue()).numberOfRepayments(4)//
+ .maxInterestRatePerPeriod((double) 110)//
+ .repaymentEvery(1)//
+ .repaymentFrequencyType(1L)//
.allowPartialPeriodInterestCalcualtion(false)//
.multiDisburseLoan(false)//
.disallowExpectedDisbursements(null)//
@@ -4781,7 +4782,8 @@ public class
AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
.installmentAmountInMultiplesOf(null)//
;//
PostLoanProductsResponse loanProductResponse =
loanProductHelper.createLoanProduct(product);
- PostLoansRequest applicationRequest = applyLoanRequest(clientId,
loanProductResponse.getResourceId(), operationDate, 1000.0, 4);
+ PostLoansRequest applicationRequest = applyLoanRequest(clientId,
loanProductResponse.getResourceId(), operationDate, 1000.0, 4)
+ .interestRatePerPeriod(BigDecimal.valueOf(108.0));
applicationRequest =
applicationRequest.interestCalculationPeriodType(DAYS)
.transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY);
@@ -4796,12 +4798,13 @@ public class
AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), new
PostLoansLoanIdRequest().actualDisbursementDate(operationDate)
.dateFormat(DATETIME_PATTERN).transactionAmount(BigDecimal.valueOf(1000.0)).locale("en"));
- // After Disbursement we are expecting no Accrual transactions
+ // After Disbursement we are expecting amount in Zero (first day)
GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
+ // First day on First Period, then TotalUnpaidPayableDueInterest = 0
and TotalUnpaidPayableNotDueInterest = 3
runAt("2 January 2024", () -> {
// Generate the Accruals
final PeriodicAccrualAccountingHelper
periodicAccrualAccountingHelper = new
PeriodicAccrualAccountingHelper(requestSpec,
@@ -4809,30 +4812,106 @@ public class
AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("2
January 2024");
GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(3.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
+ // Second day on First Period, then TotalUnpaidPayableDueInterest = 0
and TotalUnpaidPayableNotDueInterest = 6
runAt("3 January 2024", () -> {
- // Add a Charge
- addCharge(createdLoanId.get(), false, 10, "6 January 2024");
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(6.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
- final PeriodicAccrualAccountingHelper
periodicAccrualAccountingHelper = new
PeriodicAccrualAccountingHelper(requestSpec,
- responseSpec);
- periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("2
January 2024");
+ // Third day on First Period, then TotalUnpaidPayableDueInterest = 0
and TotalUnpaidPayableNotDueInterest = 9
+ runAt("4 January 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(9.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+ // Fourth day on First Period, then TotalUnpaidPayableDueInterest = 0
and TotalUnpaidPayableNotDueInterest = 12
+ runAt("5 January 2024", () -> {
GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(12.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
- // Add Payment higher than accrued amount
- runAt("4 January 2024", () -> {
- addRepaymentForLoan(createdLoanId.get(), 150.0, "4 January 2024");
+ // Last day on First Period, then TotalUnpaidPayableDueInterest = 0
and TotalUnpaidPayableNotDueInterest = 90
+ runAt("31 January 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+
+ // First day on Second Period, then TotalUnpaidPayableDueInterest = 90
and TotalUnpaidPayableNotDueInterest = 0
+ runAt("1 February 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+
+ // Second day on Second Period, then TotalUnpaidPayableDueInterest =
90 and TotalUnpaidPayableNotDueInterest =
+ // 2.344
+ runAt("2 February 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(2.344),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+
+ // Third day on Second Period, then TotalUnpaidPayableDueInterest = 90
and TotalUnpaidPayableNotDueInterest =
+ // 4.688
+ runAt("3 February 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(4.688),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+
+ // N day on Second Period, then TotalUnpaidPayableDueInterest = 90 and
TotalUnpaidPayableNotDueInterest = 21.096
+ runAt("10 February 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(21.096).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+
+ // First day on Third Period, then TotalUnpaidPayableDueInterest = 90
+ 70.32 and
+ // TotalUnpaidPayableNotDueInterest = 0
+ runAt("2 March 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.valueOf(160.32).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+
+ // Second day on Third Period, then TotalUnpaidPayableDueInterest = 90
+ 70.32 and
+ // TotalUnpaidPayableNotDueInterest = 0
+ runAt("3 March 2024", () -> {
+ GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
+ assertEquals(BigDecimal.valueOf(160.32).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(1.629),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+ });
+
+ // Add Payment to pay the First installment, then
TotalUnpaidPayableDueInterest = 70.32 and
+ // TotalUnpaidPayableNotDueInterest = 14.661
+ runAt("11 March 2024", () -> {
+ addRepaymentForLoan(createdLoanId.get(), 340.00, "11 March 2024");
GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(createdLoanId.get());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
- assertEquals(BigDecimal.ZERO,
loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(70.32).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+ assertEquals(BigDecimal.valueOf(14.661).stripTrailingZeros(),
+
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
}
