ruzeynalov commented on code in PR #4846:
URL: https://github.com/apache/fineract/pull/4846#discussion_r2193000501
##########
fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature:
##########
@@ -156,3 +565,387 @@ Feature:Feature: Buy Down Fees
When Loan Pay-off is made on "1 March 2024"
Then Loan's all installments have obligations met
+
+ @TestRailId:C3829
+ Scenario: Verify loan with Buy Down fees and charge-off and daily
amortization - UC3.2
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ And Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted
on date | with Principal | ANNUAL interest rate % | interest type |
interest calculation period | amortization type | loanTermFrequency |
loanTermFrequencyType | repaymentEvery | repaymentFrequencyType |
numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment |
interest free period | Payment strategy |
+ | LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January
2024 | 100 | 7 | DECLINING_BALANCE | DAILY
| EQUAL_INSTALLMENTS | 3 | MONTHS
| 1 | MONTHS | 3 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "1 January 2024" with "100"
amount and expected disbursement date on "1 January 2024"
+ And Admin successfully disburse the loan on "1 January 2024" with "100"
EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1
January 2024" with "50" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal
due | Interest | Fees | Penalties | Due | Paid | In advance | Late |
Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2024 | | 66.86 | 33.14
| 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72
|
+ | 2 | 29 | 01 March 2024 | | 33.53 | 33.33
| 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72
|
+ | 3 | 31 | 01 April 2024 | | 0.0 | 33.53
| 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73
|
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0
| 0.0 | 101.17 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 |
0.0 | 0.0 | 0.0 | false |
+ And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01
January 2024" which has the following Journal entries:
+ | Type | Account code | Account name | Debit |
Credit |
+ | EXPENSE | 450280 | Buy Down Expense | 50.0 |
|
+ | LIABILITY | 145024 | Deferred Capitalized Income | | 50.0
|
+ When Admin sets the business date to "2 January 2024"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal |
Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 |
0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 |
0.0 | 0.0 | 0.0 | 0.0 | false |
+ | 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction
with date "01 January 2024" which has the following Journal entries:
+ | Type | Account code | Account name | Debit |
Credit |
+ | INCOME | 450281 | Income From Buy Down | | 0.55
|
+ | LIABILITY | 145024 | Deferred Capitalized Income | 0.55 |
|
+ When Admin sets the business date to "1 February 2024"
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72
EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ When Admin sets the business date to "1 March 2024"
+ When Admin runs inline COB job for Loan
+ And Admin does charge-off the loan on "1 March 2024"
+ Then Loan status will be "ACTIVE"
+ And Loan marked as charged-off on "01 March 2024"
+ And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01
March 2024" which has the following Journal entries:
+ | Type | Account code | Account name | Debit |
Credit |
+ | ASSET | 112601 | Loans Receivable | | 66.86
|
+ | ASSET | 112603 | Interest/Fee Receivable | | 0.59
|
+ | EXPENSE | 744007 | Credit Loss/Bad Debt | 66.86 |
|
+ | INCOME | 404001 | Interest Income Charge Off | 0.59 |
|
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal |
Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 |
0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 |
0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 02 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 03 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 04 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 05 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 06 January 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 07 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 08 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 09 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 10 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 |
0.54 | 0.0 | 0.0 | 0.0 | false |
+ | 11 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 12 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 13 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 14 January 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 15 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 16 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 17 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 18 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 19 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 20 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 21 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 22 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 23 January 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 24 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 25 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 26 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 27 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 28 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 |
0.54 | 0.0 | 0.0 | 0.0 | false |
+ | 29 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 30 January 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 31 January 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+
+ | 01 February 2024 | Repayment | 33.72 | 33.14 |
0.58 | 0.0 | 0.0 | 66.86 | false |
+ | 01 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 02 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 03 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 04 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 05 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 06 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 07 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 08 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 09 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 10 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 11 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 12 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 13 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 14 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 15 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 |
0.54 | 0.0 | 0.0 | 0.0 | false |
+ | 16 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 17 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 18 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 19 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 20 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 21 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 22 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 23 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 24 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 25 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 26 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 27 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 28 February 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+ | 29 February 2024 | Accrual | 0.02 | 0.0 |
0.02 | 0.0 | 0.0 | 0.0 | false |
+ | 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 |
0.55 | 0.0 | 0.0 | 0.0 | false |
+
+ | 01 March 2024 | Accrual | 0.01 | 0.0 |
0.01 | 0.0 | 0.0 | 0.0 | false |
+ | 01 March 2024 | Charge-off | 67.45 | 66.86 |
0.59 | 0.0 | 0.0 | 0.0 | false |
+
+ When Loan Pay-off is made on "1 March 2024"
+ Then Loan's all installments have obligations met
+
+ @TestRailId:С3825
+ Scenario: Verify loan with Buy Down Fee adjustment trn with daily
amortization and repayment trns - UC4
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ And Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted
on date | with Principal | ANNUAL interest rate % | interest type |
interest calculation period | amortization type | loanTermFrequency |
loanTermFrequencyType | repaymentEvery | repaymentFrequencyType |
numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment |
interest free period | Payment strategy |
+ | LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January
2024 | 100 | 7 | DECLINING_BALANCE | DAILY
| EQUAL_INSTALLMENTS | 3 | MONTHS
| 1 | MONTHS | 3 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "1 January 2024" with "100"
amount and expected disbursement date on "1 January 2024"
+ And Admin successfully disburse the loan on "1 January 2024" with "100"
EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1
January 2024" with "50" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal
due | Interest | Fees | Penalties | Due | Paid | In advance | Late |
Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2024 | | 66.86 | 33.14
| 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72
|
+ | 2 | 29 | 01 March 2024 | | 33.53 | 33.33
| 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72
|
+ | 3 | 31 | 01 April 2024 | | 0.0 | 33.53
| 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73
|
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0
| 0.0 | 101.17 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 |
0.0 | 0.0 | 0.0 | false |
+ And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01
January 2024" which has the following Journal entries:
+ | Type | Account code | Account name | Debit |
Credit |
+ | EXPENSE | 450280 | Buy Down Expense | 50.0 |
|
+ | LIABILITY | 145024 | Deferred Capitalized Income | | 50.0
|
+# --- 1st repayment on February,1 ---#
+ When Admin sets the business date to "1 February 2024"
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72
EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan Repayment schedule has 3 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan |
Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late
| Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 |
33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0
| 0.0 |
+ | 2 | 29 | 01 March 2024 | | 33.53 |
33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0
| 33.72 |
+ | 3 | 31 | 01 April 2024 | | 0.0 |
33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0
| 33.73 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0
| 0.0 | 67.45 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false |
+ | 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 |
0.0 | 0.0 | 66.86 | false |
+# --- BuyDownFee Adjustment trns on March,1 ---#
+ When Admin sets the business date to "1 March 2024"
+ And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the
loan on "01 March 2024" with "10" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan |
Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late
| Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 |
33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0
| 0.0 |
+ | 2 | 29 | 01 March 2024 | | 33.53 |
33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0
| 33.72 |
+ | 3 | 31 | 01 April 2024 | | 0.0 |
33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0
| 33.73 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0
| 0.0 | 67.45 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal |
Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false |
+ | 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58
| 0.0 | 0.0 | 66.86 | false |
+ | 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0
| 0.0 | 0.0 | 56.86 | false |
+ And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with
date "01 March 2024" which has the following Journal entries:
+ | Type | Account code | Account name | Debit |
Credit |
+ | EXPENSE | 450280 | Buy Down Expense | | 10.0
|
+ | LIABILITY | 145024 | Deferred Capitalized Income | 10.0 |
|
+# --- 2nd repayment on April,1 ---#
+ When Admin sets the business date to "1 April 2024"
+ When Admin runs inline COB job for Loan
+ And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR
transaction amount
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal |
Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 |
0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 |
0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 01 February 2024 | Repayment | 33.72 | 33.14 |
0.58 | 0.0 | 0.0 | 66.86 | false |
+ | 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 |
0.0 | 0.0 | 0.0 | 56.86 | false |
+ | 31 March 2024 | Accrual | 1.35 | 0.0 |
1.35 | 0.0 | 0.0 | 0.0 | false |
+ | 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 |
40.0 | 0.0 | 0.0 | 0.0 | false |
+ | 01 April 2024 | Repayment | 33.73 | 33.34 |
0.39 | 0.0 | 0.0 | 23.52 | false |
+
+ When Loan Pay-off is made on "1 April 2024"
+ Then Loan's all installments have obligations met
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal |
Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false |
+ | 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false |
+ | 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58
| 0.0 | 0.0 | 66.86 | false |
+ | 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0
| 0.0 | 0.0 | 56.86 | false |
+ | 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35
| 0.0 | 0.0 | 0.0 | false |
+ | 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 |
40.0 | 0.0 | 0.0 | 0.0 | false |
+ | 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39
| 0.0 | 0.0 | 23.52 | false |
+ | 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39
| 0.0 | 0.0 | 0.0 | false |
+ | 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01
| 0.0 | 0.0 | 0.0 | false |
+
+ @TestRailId:С_PS3826
Review Comment:
@MarianaDmytrivBinariks is this TestRail Id correct?
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