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new 97511ca2ff FINERACT-2174: added e2e tests covering extended migration
scenario with fees/penalties
97511ca2ff is described below
commit 97511ca2ffcc2e0475d1b27c593632a78dd38e6a
Author: Rustam Zeinalov <[email protected]>
AuthorDate: Mon Dec 29 17:40:32 2025 +0100
FINERACT-2174: added e2e tests covering extended migration scenario with
fees/penalties
---
.../test/resources/features/LoanMigration.feature | 419 +++++++++++++++++++++
1 file changed, 419 insertions(+)
diff --git
a/fineract-e2e-tests-runner/src/test/resources/features/LoanMigration.feature
b/fineract-e2e-tests-runner/src/test/resources/features/LoanMigration.feature
index 63d0fc0357..edc2af5b59 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanMigration.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanMigration.feature
@@ -1122,3 +1122,422 @@ Feature: Loan Migration
| 01 April 2025 | Accrual Activity | 33.0 | 0.0 | 33.0 |
0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 68.66 | 0.0 | 68.66 |
0.0 | 0.0 | 0.0 | false | false |
+ @TestRailId:C4437
+ Scenario: Verify backdated loan with applied charges and final COB -
charge-inclusive income recognition
+ When Admin sets the business date to "10 April 2025"
+ And Admin creates a client with random data
+ When 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_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01
January 2025 | 500 | 33 | DECLINING_BALANCE |
DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS
| 1 | MONTHS | 12 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2025" with "500"
amount and expected disbursement date on "01 January 2025"
+ And Admin successfully disburse the loan on "01 January 2025" with "500"
EUR transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | | 464.27 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 2 | 28 | 01 March 2025 | | 428.54 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 3 | 31 | 01 April 2025 | | 392.81 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 4 | 30 | 01 May 2025 | | 355.02 | 37.79
| 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 5 | 31 | 01 June 2025 | | 315.3 | 39.72
| 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 6 | 30 | 01 July 2025 | | 274.49 | 40.81
| 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 7 | 31 | 01 August 2025 | | 232.56 | 41.93
| 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 8 | 31 | 01 September 2025 | | 189.48 | 43.08
| 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 9 | 30 | 01 October 2025 | | 145.21 | 44.27
| 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 10 | 31 | 01 November 2025 | | 99.72 | 45.49
| 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 11 | 30 | 01 December 2025 | | 52.98 | 46.74
| 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 12 | 31 | 01 January 2026 | | 0.0 | 52.98
| 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0
| 0.0 | 598.72 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+# --- Add fee charge backdated to 15 January 2025 ---
+ When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 January 2025"
due date and 50 EUR transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | | 464.27 | 35.73
| 13.75 | 50.0 | 0.0 | 99.48 | 0.0 | 0.0 | 0.0 | 99.48
|
+ | 2 | 28 | 01 March 2025 | | 428.54 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 3 | 31 | 01 April 2025 | | 392.81 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 4 | 30 | 01 May 2025 | | 355.02 | 37.79
| 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 5 | 31 | 01 June 2025 | | 315.3 | 39.72
| 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 6 | 30 | 01 July 2025 | | 274.49 | 40.81
| 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 7 | 31 | 01 August 2025 | | 232.56 | 41.93
| 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 8 | 31 | 01 September 2025 | | 189.48 | 43.08
| 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 9 | 30 | 01 October 2025 | | 145.21 | 44.27
| 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 10 | 31 | 01 November 2025 | | 99.72 | 45.49
| 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 11 | 30 | 01 December 2025 | | 52.98 | 46.74
| 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 12 | 31 | 01 January 2026 | | 0.0 | 52.98
| 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 98.72 | 50.0 | 0.0 | 648.72 | 0.0 | 0.0
| 0.0 | 648.72 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+ Then Loan Charges tab has the following data:
+ | Name | isPenalty | Payment due at | Due as of |
Calculation type | Due | Paid | Waived | Outstanding |
+ | Snooze fee | false | Specified due date | 15 January 2025 | Flat
| 50.0 | 0.0 | 0.0 | 50.0 |
+# --- Make partial payment backdated to 01 February 2025 covering portion of
principal/interest/fees ---
+ And Customer makes "AUTOPAY" repayment on "01 February 2025" with 75 EUR
transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | | 464.27 | 35.73
| 13.75 | 50.0 | 0.0 | 99.48 | 75.0 | 0.0 | 0.0 | 24.48
|
+ | 2 | 28 | 01 March 2025 | | 427.56 | 36.71
| 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 3 | 31 | 01 April 2025 | | 390.85 | 36.71
| 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 4 | 30 | 01 May 2025 | | 352.72 | 38.13
| 11.35 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 5 | 31 | 01 June 2025 | | 312.94 | 39.78
| 9.7 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 6 | 30 | 01 July 2025 | | 272.07 | 40.87
| 8.61 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 7 | 31 | 01 August 2025 | | 230.07 | 42.0
| 7.48 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 8 | 31 | 01 September 2025 | | 186.92 | 43.15
| 6.33 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 9 | 30 | 01 October 2025 | | 142.58 | 44.34
| 5.14 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 10 | 31 | 01 November 2025 | | 97.02 | 45.56
| 3.92 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 11 | 30 | 01 December 2025 | | 50.21 | 46.81
| 2.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 12 | 31 | 01 January 2026 | | 0.0 | 50.21
| 1.38 | 0.0 | 0.0 | 51.59 | 0.0 | 0.0 | 0.0 | 51.59
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 95.87 | 50.0 | 0.0 | 645.87 | 75.0 | 0.0
| 0.0 | 570.87 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+ | 01 February 2025 | Repayment | 75.0 | 35.73 | 13.75 |
25.52 | 0.0 | 464.27 | false | false |
+ Then Loan Charges tab has the following data:
+ | Name | isPenalty | Payment due at | Due as of |
Calculation type | Due | Paid | Waived | Outstanding |
+ | Snooze fee | false | Specified due date | 15 January 2025 | Flat
| 50.0 | 25.52 | 0.0 | 24.48 |
+# --- Run inline COB job to generate aggregated accruals ---
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | | 464.27 | 35.73
| 13.75 | 50.0 | 0.0 | 99.48 | 75.0 | 0.0 | 0.0 | 24.48
|
+ | 2 | 28 | 01 March 2025 | | 427.56 | 36.71
| 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 3 | 31 | 01 April 2025 | | 390.85 | 36.71
| 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 4 | 30 | 01 May 2025 | | 352.72 | 38.13
| 11.35 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 5 | 31 | 01 June 2025 | | 312.94 | 39.78
| 9.7 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 6 | 30 | 01 July 2025 | | 272.07 | 40.87
| 8.61 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 7 | 31 | 01 August 2025 | | 230.07 | 42.0
| 7.48 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 8 | 31 | 01 September 2025 | | 186.92 | 43.15
| 6.33 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 9 | 30 | 01 October 2025 | | 142.58 | 44.34
| 5.14 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 10 | 31 | 01 November 2025 | | 97.02 | 45.56
| 3.92 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 11 | 30 | 01 December 2025 | | 50.21 | 46.81
| 2.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 12 | 31 | 01 January 2026 | | 0.0 | 50.21
| 1.38 | 0.0 | 0.0 | 51.59 | 0.0 | 0.0 | 0.0 | 51.59
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 95.87 | 50.0 | 0.0 | 645.87 | 75.0 | 0.0
| 0.0 | 570.87 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+ | 01 February 2025 | Repayment | 75.0 | 35.73 | 13.75 |
25.52 | 0.0 | 464.27 | false | false |
+ | 01 February 2025 | Accrual Activity | 63.75 | 0.0 | 13.75 |
50.0 | 0.0 | 0.0 | false | false |
+ | 01 March 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 |
0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 |
0.0 | 0.0 | 0.0 | false | false |
+ | 09 April 2025 | Accrual | 92.69 | 0.0 | 42.69 |
50.0 | 0.0 | 0.0 | false | false |
+ Then Loan Charges tab has the following data:
+ | Name | isPenalty | Payment due at | Due as of |
Calculation type | Due | Paid | Waived | Outstanding |
+ | Snooze fee | false | Specified due date | 15 January 2025 | Flat
| 50.0 | 25.52 | 0.0 | 24.48 |
+ When Loan Pay-off is made on "10 April 2025"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4438
+ Scenario: Verify backdated loan with NSF fee after late payment - penalty
income recognition
+ When Admin sets the business date to "10 April 2025"
+ And Admin creates a client with random data
+ When 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_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01
January 2025 | 500 | 33 | DECLINING_BALANCE |
DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS
| 1 | MONTHS | 12 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2025" with "500"
amount and expected disbursement date on "01 January 2025"
+ And Admin successfully disburse the loan on "01 January 2025" with "500"
EUR transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | | 464.27 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 2 | 28 | 01 March 2025 | | 428.54 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 3 | 31 | 01 April 2025 | | 392.81 | 35.73
| 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 4 | 30 | 01 May 2025 | | 355.02 | 37.79
| 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 5 | 31 | 01 June 2025 | | 315.3 | 39.72
| 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 6 | 30 | 01 July 2025 | | 274.49 | 40.81
| 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 7 | 31 | 01 August 2025 | | 232.56 | 41.93
| 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 8 | 31 | 01 September 2025 | | 189.48 | 43.08
| 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 9 | 30 | 01 October 2025 | | 145.21 | 44.27
| 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 10 | 31 | 01 November 2025 | | 99.72 | 45.49
| 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 11 | 30 | 01 December 2025 | | 52.98 | 46.74
| 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48
|
+ | 12 | 31 | 01 January 2026 | | 0.0 | 52.98
| 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0
| 0.0 | 598.72 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+# --- Make late payment backdated to 15 February 2025 (due was 01 February
2025) ---
+ And Customer makes "AUTOPAY" repayment on "15 February 2025" with 49.48
EUR transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 |
35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 |
49.48 | 0.0 |
+ | 2 | 28 | 01 March 2025 | | 428.05 |
36.22 | 13.26 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 3 | 31 | 01 April 2025 | | 391.34 |
36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 4 | 30 | 01 May 2025 | | 353.22 |
38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 5 | 31 | 01 June 2025 | | 313.45 |
39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 6 | 30 | 01 July 2025 | | 272.59 |
40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 7 | 31 | 01 August 2025 | | 230.61 |
41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 8 | 31 | 01 September 2025 | | 187.47 |
43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 9 | 30 | 01 October 2025 | | 143.15 |
44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 10 | 31 | 01 November 2025 | | 97.61 |
45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 11 | 30 | 01 December 2025 | | 50.81 |
46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0
| 52.21 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 96.49 | 0.0 | 0.0 | 596.49 | 49.48 | 0.0
| 49.48 | 547.01 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+ | 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 |
0.0 | 0.0 | 464.27 | false | false |
+# --- Add NSF fee backdated to 20 February 2025 ---
+ When Admin adds an NSF fee because of payment bounce with "20 February
2025" transaction date
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 |
35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 |
49.48 | 0.0 |
+ | 2 | 28 | 01 March 2025 | | 428.05 |
36.22 | 13.26 | 0.0 | 10.0 | 59.48 | 0.0 | 0.0 | 0.0
| 59.48 |
+ | 3 | 31 | 01 April 2025 | | 391.34 |
36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 4 | 30 | 01 May 2025 | | 353.22 |
38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 5 | 31 | 01 June 2025 | | 313.45 |
39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 6 | 30 | 01 July 2025 | | 272.59 |
40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 7 | 31 | 01 August 2025 | | 230.61 |
41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 8 | 31 | 01 September 2025 | | 187.47 |
43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 9 | 30 | 01 October 2025 | | 143.15 |
44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 10 | 31 | 01 November 2025 | | 97.61 |
45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 11 | 30 | 01 December 2025 | | 50.81 |
46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0
| 52.21 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 96.49 | 0.0 | 10.0 | 606.49 | 49.48 | 0.0
| 49.48 | 557.01 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+ | 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 |
0.0 | 0.0 | 464.27 | false | false |
+ And Loan Charges tab has the following data:
+ | Name | isPenalty | Payment due at | Due as of |
Calculation type | Due | Paid | Waived | Outstanding |
+ | NSF fee | true | Specified due date | 20 February 2025 | Flat
| 10.0 | 0.0 | 0.0 | 10.0 |
+# --- Run inline COB job to generate aggregated accruals including penalty
---
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 12 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 2025 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 |
35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 |
49.48 | 0.0 |
+ | 2 | 28 | 01 March 2025 | | 428.05 |
36.22 | 13.26 | 0.0 | 10.0 | 59.48 | 0.0 | 0.0 | 0.0
| 59.48 |
+ | 3 | 31 | 01 April 2025 | | 391.34 |
36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 4 | 30 | 01 May 2025 | | 353.22 |
38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 5 | 31 | 01 June 2025 | | 313.45 |
39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 6 | 30 | 01 July 2025 | | 272.59 |
40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 7 | 31 | 01 August 2025 | | 230.61 |
41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 8 | 31 | 01 September 2025 | | 187.47 |
43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 9 | 30 | 01 October 2025 | | 143.15 |
44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 10 | 31 | 01 November 2025 | | 97.61 |
45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 11 | 30 | 01 December 2025 | | 50.81 |
46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0
| 49.48 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0
| 52.21 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 500.0 | 96.49 | 0.0 | 10.0 | 606.49 | 49.48 | 0.0
| 49.48 | 557.01 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 |
0.0 | 0.0 | 500.0 | false | false |
+ | 01 February 2025 | Accrual Activity | 13.75 | 0.0 | 13.75 |
0.0 | 0.0 | 0.0 | false | false |
+ | 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 |
0.0 | 0.0 | 464.27 | false | false |
+ | 01 March 2025 | Accrual Activity | 23.26 | 0.0 | 13.26 |
0.0 | 10.0 | 0.0 | false | false |
+ | 01 April 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 |
0.0 | 0.0 | 0.0 | false | false |
+ | 09 April 2025 | Accrual | 53.18 | 0.0 | 43.18 |
0.0 | 10.0 | 0.0 | false | false |
+ When Loan Pay-off is made on "10 April 2025"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4439
+ Scenario: Verify backdated loan with multiple repayment reversals and
refunds - schedule and balance adjustments
+ When Admin sets the business date to "10 April 2025"
+ And Admin creates a client with random data
+ When 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_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01
January 2025 | 1000 | 33 | DECLINING_BALANCE |
DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS
| 1 | MONTHS | 12 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2025" with "1000"
amount and expected disbursement date on "01 January 2025"
+ And Admin successfully disburse the loan on "01 January 2025" with "1000"
EUR transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | | 928.53 | 71.47
| 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 2 | 28 | 01 March 2025 | | 857.06 | 71.47
| 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 3 | 31 | 01 April 2025 | | 785.59 | 71.47
| 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 4 | 30 | 01 May 2025 | | 709.99 | 75.6
| 23.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 5 | 31 | 01 June 2025 | | 630.54 | 79.45
| 19.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 6 | 30 | 01 July 2025 | | 548.91 | 81.63
| 17.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 7 | 31 | 01 August 2025 | | 465.04 | 83.87
| 15.1 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 8 | 31 | 01 September 2025 | | 378.86 | 86.18
| 12.79 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 9 | 30 | 01 October 2025 | | 290.31 | 88.55
| 10.42 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 10 | 31 | 01 November 2025 | | 199.32 | 90.99
| 7.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 11 | 30 | 01 December 2025 | | 105.83 | 93.49
| 5.48 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97
|
+ | 12 | 31 | 01 January 2026 | | 0.0 | 105.83
| 2.91 | 0.0 | 0.0 | 108.74 | 0.0 | 0.0 | 0.0 | 108.74
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1000.0 | 197.41 | 0.0 | 0.0 | 1197.41 | 0.0 | 0.0
| 0.0 | 1197.41 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+# --- Make first payment backdated to 01 February 2025 ---
+ And Customer makes "AUTOPAY" repayment on "01 February 2025" with 100 EUR
transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
0.0 | 0.0 |
+ | 2 | 28 | 01 March 2025 | | 855.07 |
73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 1.03 | 1.03 |
0.0 | 97.94 |
+ | 3 | 31 | 01 April 2025 | | 781.61 |
73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 4 | 30 | 01 May 2025 | | 705.34 |
76.27 | 22.7 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 5 | 31 | 01 June 2025 | | 625.77 |
79.57 | 19.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 6 | 30 | 01 July 2025 | | 544.01 |
81.76 | 17.21 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 7 | 31 | 01 August 2025 | | 460.0 |
84.01 | 14.96 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 8 | 31 | 01 September 2025 | | 373.68 |
86.32 | 12.65 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 9 | 30 | 01 October 2025 | | 284.99 |
88.69 | 10.28 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 10 | 31 | 01 November 2025 | | 193.86 |
91.13 | 7.84 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 11 | 30 | 01 December 2025 | | 100.22 |
93.64 | 5.33 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 |
0.0 | 98.97 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
100.22 | 2.76 | 0.0 | 0.0 | 102.98 | 0.0 | 0.0 |
0.0 | 102.98 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1000.0 | 191.65 | 0.0 | 0.0 | 1191.65 | 100.0 | 1.03
| 0.0 | 1091.65 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 |
0.0 | 0.0 | 927.5 | false | false |
+# --- Make second payment backdated to 01 March 2025 ---
+ And Customer makes "AUTOPAY" repayment on "01 March 2025" with 150 EUR
transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0
| 0.0 |
+ | 2 | 28 | 01 March 2025 | 01 March 2025 | 855.07 |
73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 98.97 | 1.03 | 0.0
| 0.0 |
+ | 3 | 31 | 01 April 2025 | | 778.18 |
76.89 | 22.08 | 0.0 | 0.0 | 98.97 | 52.06 | 52.06 | 0.0
| 46.91 |
+ | 4 | 30 | 01 May 2025 | | 700.81 |
77.37 | 21.6 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 5 | 31 | 01 June 2025 | | 621.11 |
79.7 | 19.27 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 6 | 30 | 01 July 2025 | | 539.22 |
81.89 | 17.08 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 7 | 31 | 01 August 2025 | | 455.08 |
84.14 | 14.83 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 8 | 31 | 01 September 2025 | | 368.62 |
86.46 | 12.51 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 9 | 30 | 01 October 2025 | | 279.79 |
88.83 | 10.14 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 10 | 31 | 01 November 2025 | | 188.51 |
91.28 | 7.69 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 11 | 30 | 01 December 2025 | | 94.72 |
93.79 | 5.18 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
94.72 | 2.6 | 0.0 | 0.0 | 97.32 | 0.0 | 0.0 | 0.0
| 97.32 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1000.0 | 185.99 | 0.0 | 0.0 | 1185.99 | 250.0 | 53.09
| 0.0 | 935.99 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 |
0.0 | 0.0 | 927.5 | false | false |
+ | 01 March 2025 | Repayment | 150.0 | 124.49 | 25.51 |
0.0 | 0.0 | 803.01 | false | false |
+# --- Reverse/refund the first payment from 01 February 2025 ---
+ When Customer undo "1"th repayment on "01 February 2025"
+ Then Loan Repayment schedule has 12 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 2025 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | 01 March 2025 | 928.53 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
98.97 | 0.0 |
+ | 2 | 28 | 01 March 2025 | | 857.06 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 51.03 | 0.0 | 0.0
| 47.94 |
+ | 3 | 31 | 01 April 2025 | | 782.98 |
74.08 | 24.89 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 4 | 30 | 01 May 2025 | | 706.55 |
76.43 | 22.54 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 5 | 31 | 01 June 2025 | | 627.01 |
79.54 | 19.43 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 6 | 30 | 01 July 2025 | | 545.28 |
81.73 | 17.24 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 7 | 31 | 01 August 2025 | | 461.31 |
83.97 | 15.0 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 8 | 31 | 01 September 2025 | | 375.03 |
86.28 | 12.69 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 9 | 30 | 01 October 2025 | | 286.37 |
88.66 | 10.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 10 | 31 | 01 November 2025 | | 195.28 |
91.09 | 7.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 11 | 30 | 01 December 2025 | | 101.68 | 93.6
| 5.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 |
98.97 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
101.68 | 2.8 | 0.0 | 0.0 | 104.48 | 0.0 | 0.0 | 0.0
| 104.48 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1000.0 | 193.15 | 0.0 | 0.0 | 1193.15 | 150.0 | 0.0
| 98.97 | 1043.15 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 |
0.0 | 0.0 | 927.5 | true | false |
+ | 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 |
0.0 | 0.0 | 905.0 | false | true |
+# --- Make third payment backdated to 01 April 2025 ---
+ And Customer makes "AUTOPAY" repayment on "01 April 2025" with 200 EUR
transaction amount
+ Then Loan Repayment schedule has 12 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 2025 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | 01 March 2025 | 928.53 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
98.97 | 0.0 |
+ | 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
47.94 | 0.0 |
+ | 3 | 31 | 01 April 2025 | 01 April 2025 | 782.98 |
74.08 | 24.89 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0
| 0.0 |
+ | 4 | 30 | 01 May 2025 | | 704.08 | 78.9
| 20.07 | 0.0 | 0.0 | 98.97 | 53.09 | 53.09 | 0.0 |
45.88 |
+ | 5 | 31 | 01 June 2025 | | 624.47 |
79.61 | 19.36 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 6 | 30 | 01 July 2025 | | 542.67 | 81.8
| 17.17 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 |
98.97 |
+ | 7 | 31 | 01 August 2025 | | 458.62 |
84.05 | 14.92 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 8 | 31 | 01 September 2025 | | 372.26 |
86.36 | 12.61 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 9 | 30 | 01 October 2025 | | 283.53 |
88.73 | 10.24 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 10 | 31 | 01 November 2025 | | 192.36 |
91.17 | 7.8 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 11 | 30 | 01 December 2025 | | 98.68 |
93.68 | 5.29 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
98.68 | 2.71 | 0.0 | 0.0 | 101.39 | 0.0 | 0.0 | 0.0
| 101.39 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1000.0 | 190.06 | 0.0 | 0.0 | 1190.06 | 350.0 | 53.09
| 146.91 | 840.06 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 |
0.0 | 0.0 | 927.5 | true | false |
+ | 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 |
0.0 | 0.0 | 905.0 | false | true |
+ | 01 April 2025 | Repayment | 200.0 | 175.11 | 24.89 |
0.0 | 0.0 | 729.89 | false | false |
+# --- Reverse/refund the second payment from 01 March 2025 ---
+ When Customer undo "2"th repayment on "01 March 2025"
+ Then Loan Repayment schedule has 12 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 2025 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | 01 April 2025 | 928.53 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
98.97 | 0.0 |
+ | 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
98.97 | 0.0 |
+ | 3 | 31 | 01 April 2025 | | 785.59 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 2.06 | 0.0 | 0.0
| 96.91 |
+ | 4 | 30 | 01 May 2025 | | 708.81 |
76.78 | 22.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 5 | 31 | 01 June 2025 | | 629.33 |
79.48 | 19.49 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 6 | 30 | 01 July 2025 | | 547.67 |
81.66 | 17.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 7 | 31 | 01 August 2025 | | 463.76 |
83.91 | 15.06 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 8 | 31 | 01 September 2025 | | 377.54 |
86.22 | 12.75 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 9 | 30 | 01 October 2025 | | 288.95 |
88.59 | 10.38 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 10 | 31 | 01 November 2025 | | 197.93 |
91.02 | 7.95 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 11 | 30 | 01 December 2025 | | 104.4 |
93.53 | 5.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
104.4 | 2.87 | 0.0 | 0.0 | 107.27 | 0.0 | 0.0 | 0.0
| 107.27 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1000.0 | 195.94 | 0.0 | 0.0 | 1195.94 | 200.0 | 0.0
| 197.94 | 995.94 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 |
0.0 | 0.0 | 927.5 | true | false |
+ | 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 |
0.0 | 0.0 | 905.0 | true | true |
+ | 01 April 2025 | Repayment | 200.0 | 142.94 | 57.06 |
0.0 | 0.0 | 857.06 | false | true |
+# --- Run inline COB job to generate aggregated accruals ---
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 12 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 2025 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | 01 April 2025 | 928.53 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
98.97 | 0.0 |
+ | 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 |
98.97 | 0.0 |
+ | 3 | 31 | 01 April 2025 | | 785.59 |
71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 2.06 | 0.0 | 0.0
| 96.91 |
+ | 4 | 30 | 01 May 2025 | | 708.81 |
76.78 | 22.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 5 | 31 | 01 June 2025 | | 629.33 |
79.48 | 19.49 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 6 | 30 | 01 July 2025 | | 547.67 |
81.66 | 17.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 7 | 31 | 01 August 2025 | | 463.76 |
83.91 | 15.06 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 8 | 31 | 01 September 2025 | | 377.54 |
86.22 | 12.75 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 9 | 30 | 01 October 2025 | | 288.95 |
88.59 | 10.38 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 10 | 31 | 01 November 2025 | | 197.93 |
91.02 | 7.95 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 11 | 30 | 01 December 2025 | | 104.4 |
93.53 | 5.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0
| 98.97 |
+ | 12 | 31 | 01 January 2026 | | 0.0 |
104.4 | 2.87 | 0.0 | 0.0 | 107.27 | 0.0 | 0.0 | 0.0
| 107.27 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1000.0 | 195.94 | 0.0 | 0.0 | 1195.94 | 200.0 | 0.0
| 197.94 | 995.94 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 |
0.0 | 0.0 | 927.5 | true | false |
+ | 01 February 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 |
0.0 | 0.0 | 0.0 | false | false |
+ | 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 |
0.0 | 0.0 | 905.0 | true | true |
+ | 01 March 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 |
0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2025 | Repayment | 200.0 | 142.94 | 57.06 |
0.0 | 0.0 | 857.06 | false | true |
+ | 01 April 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 |
0.0 | 0.0 | 0.0 | false | false |
+ | 09 April 2025 | Accrual | 88.79 | 0.0 | 88.79 |
0.0 | 0.0 | 0.0 | false | false |
+# --- Verify final loan balance reflects all transactions correctly ---
+ Then Loan has 995.94 outstanding amount
+ When Loan Pay-off is made on "10 April 2025"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
