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new 23faa55326 FINERACT-2412: e2e test scenarios for full term tranche
with re-aging trns
23faa55326 is described below
commit 23faa5532634efb9d4700a220ae1ea0f07a87776
Author: MarianaDmytrivBinariks <[email protected]>
AuthorDate: Fri Jan 23 17:25:06 2026 +0200
FINERACT-2412: e2e test scenarios for full term tranche with re-aging trns
---
.../features/LoanDelayedScheduleCaptures.feature | 279 +++++++++++++++++++++
1 file changed, 279 insertions(+)
diff --git
a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
index 6fdc05de15..976600237e 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
@@ -786,3 +786,282 @@ Feature: Full Term Tranche - Schedule handling and
Calculations
| 01 February 2024 | Repayment | 20.0 | 19.21 | 0.79 |
0.0 | 0.0 | 80.79 | false | false |
When Loan Pay-off is made on "15 February 2024"
Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4543 @AdvancedPaymentAllocation
+ Scenario: Verify that Loan full term tranche with re-aging transaction with
default behaviour - UC16
+ When Admin sets the business date to "01 January 2024"
+ When 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_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE
| 01 January 2024 | 200 | 9.4822 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6
| MONTHS | 1 | MONTHS | 6
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2024" with "200"
amount and expected disbursement date on "01 January 2024"
+ When Admin successfully disburse the loan on "01 January 2024" with "100"
EUR transaction amount
+ Then Loan Repayment schedule has 6 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 2 | 29 | 01 March 2024 | | 67.19 | 16.47
| 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 3 | 31 | 01 April 2024 | | 50.59 | 16.6
| 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 4 | 30 | 01 May 2024 | | 33.86 | 16.73
| 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 5 | 31 | 01 June 2024 | | 17.0 | 16.86
| 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.0
| 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0
| 0.0 | 102.78 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ When Admin sets the business date to "01 February 2024"
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13
EUR transaction amount
+ Then Loan Repayment schedule has 6 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | 2 | 29 | 01 March 2024 | | 67.19 |
16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 3 | 31 | 01 April 2024 | | 50.59 |
16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 4 | 30 | 01 May 2024 | | 33.86 |
16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 5 | 31 | 01 June 2024 | | 17.0 |
16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 6 | 30 | 01 July 2024 | | 0.0 |
17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0
| 0.0 | 85.65 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+# --- 2nd disbursement --- #
+ When Admin successfully disburse the loan on "01 February 2024" with "100"
EUR transaction amount
+ Then Loan Repayment schedule has 7 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.85 |
32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.78 |
33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.45 |
33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.86 |
33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 6 | 30 | 01 July 2024 | | 17.0 |
33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0
| 0.0 | 188.43 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 183.66 | false | false |
+# --- add re-aging transaction with default behaviour --- #
+ When Admin sets the business date to "01 April 2024"
+ When Admin creates a Loan re-aging transaction by Loan external ID with
the following data:
+ | frequencyNumber | frequencyType | startDate | numberOfInstallments
|
+ | 1 | MONTHS | 01 May 2024 | 6
|
+ Then Loan Repayment schedule has 9 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 2 | 29 | 01 March 2024 | 01 April 2024 | 183.66 |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0
| 0.0 |
+ | 3 | 31 | 01 April 2024 | 01 April 2024 | 183.66 |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0
| 0.0 |
+ | 4 | 30 | 01 May 2024 | | 156.05 |
27.61 | 4.35 | 0.0 | 0.0 | 31.96 | 0.0 | 0.0 | 0.0
| 31.96 |
+ | 5 | 31 | 01 June 2024 | | 125.32 |
30.73 | 1.23 | 0.0 | 0.0 | 31.96 | 0.0 | 0.0 | 0.0
| 31.96 |
+ | 6 | 30 | 01 July 2024 | | 94.35 |
30.97 | 0.99 | 0.0 | 0.0 | 31.96 | 0.0 | 0.0 | 0.0
| 31.96 |
+ | 7 | 31 | 01 August 2024 | | 63.14 |
31.21 | 0.75 | 0.0 | 0.0 | 31.96 | 0.0 | 0.0 | 0.0
| 31.96 |
+ | 8 | 31 | 01 September 2024 | | 31.68 |
31.46 | 0.5 | 0.0 | 0.0 | 31.96 | 0.0 | 0.0 | 0.0
| 31.96 |
+ | 9 | 30 | 01 October 2024 | | 0.0 |
31.68 | 0.25 | 0.0 | 0.0 | 31.93 | 0.0 | 0.0 | 0.0
| 31.93 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 8.86 | 0.0 | 0.0 | 208.86 | 17.13 | 0.0
| 0.0 | 191.73 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 183.66 | false | false |
+ | 01 April 2024 | Re-age | 186.56 | 183.66 | 2.9 |
0.0 | 0.0 | 0.0 | false | false |
+ When Loan Pay-off is made on "01 April 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4544 @AdvancedPaymentAllocation
+ Scenario: Verify that Loan full term tranche with re-aging transaction with
equal amortization + outstanding payable interest - UC16.1
+ When Admin sets the business date to "01 January 2024"
+ When 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_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE
| 01 January 2024 | 200 | 9.4822 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6
| MONTHS | 1 | MONTHS | 6
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2024" with "200"
amount and expected disbursement date on "01 January 2024"
+ When Admin successfully disburse the loan on "01 January 2024" with "100"
EUR transaction amount
+ Then Loan Repayment schedule has 6 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 2 | 29 | 01 March 2024 | | 67.19 | 16.47
| 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 3 | 31 | 01 April 2024 | | 50.59 | 16.6
| 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 4 | 30 | 01 May 2024 | | 33.86 | 16.73
| 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 5 | 31 | 01 June 2024 | | 17.0 | 16.86
| 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.0
| 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0
| 0.0 | 102.78 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ When Admin sets the business date to "01 February 2024"
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13
EUR transaction amount
+ Then Loan Repayment schedule has 6 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | 2 | 29 | 01 March 2024 | | 67.19 |
16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 3 | 31 | 01 April 2024 | | 50.59 |
16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 4 | 30 | 01 May 2024 | | 33.86 |
16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 5 | 31 | 01 June 2024 | | 17.0 |
16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 6 | 30 | 01 July 2024 | | 0.0 |
17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0
| 0.0 | 85.65 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+# --- 2nd disbursement --- #
+ When Admin successfully disburse the loan on "01 February 2024" with "100"
EUR transaction amount
+ Then Loan Repayment schedule has 7 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.85 |
32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.78 |
33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.45 |
33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.86 |
33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 6 | 30 | 01 July 2024 | | 17.0 |
33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0
| 0.0 | 188.43 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 183.66 | false | false |
+# --- add re-aging transaction with default behaviour --- #
+ When Admin sets the business date to "01 April 2024"
+ When Admin creates a Loan re-aging transaction by Loan external ID with
the following data:
+ | frequencyNumber | frequencyType | startDate | numberOfInstallments
| reAgeInterestHandling |
+ | 1 | MONTHS | 01 May 2024 | 6
| EQUAL_AMORTIZATION_PAYABLE_INTEREST |
+ Then Loan Repayment schedule has 9 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 2 | 29 | 01 March 2024 | 01 April 2024 | 183.66 |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0
| 0.0 |
+ | 3 | 31 | 01 April 2024 | 01 April 2024 | 183.66 |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0
| 0.0 |
+ | 4 | 30 | 01 May 2024 | | 153.05 |
30.61 | 0.48 | 0.0 | 0.0 | 31.09 | 0.0 | 0.0 | 0.0
| 31.09 |
+ | 5 | 31 | 01 June 2024 | | 122.44 |
30.61 | 0.48 | 0.0 | 0.0 | 31.09 | 0.0 | 0.0 | 0.0
| 31.09 |
+ | 6 | 30 | 01 July 2024 | | 91.83 |
30.61 | 0.48 | 0.0 | 0.0 | 31.09 | 0.0 | 0.0 | 0.0
| 31.09 |
+ | 7 | 31 | 01 August 2024 | | 61.22 |
30.61 | 0.48 | 0.0 | 0.0 | 31.09 | 0.0 | 0.0 | 0.0
| 31.09 |
+ | 8 | 31 | 01 September 2024 | | 30.61 |
30.61 | 0.48 | 0.0 | 0.0 | 31.09 | 0.0 | 0.0 | 0.0
| 31.09 |
+ | 9 | 30 | 01 October 2024 | | 0.0 |
30.61 | 0.5 | 0.0 | 0.0 | 31.11 | 0.0 | 0.0 | 0.0
| 31.11 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 3.69 | 0.0 | 0.0 | 203.69 | 17.13 | 0.0
| 0.0 | 186.56 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 183.66 | false | false |
+ | 01 April 2024 | Re-age | 186.56 | 183.66 | 2.9 |
0.0 | 0.0 | 0.0 | false | false |
+ When Loan Pay-off is made on "01 April 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4545 @AdvancedPaymentAllocation
+ Scenario: Verify that Loan full term tranche with re-aging transaction with
equal amortization + outstanding full interest - UC16.2
+ When Admin sets the business date to "01 January 2024"
+ When 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_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE
| 01 January 2024 | 200 | 9.4822 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6
| MONTHS | 1 | MONTHS | 6
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2024" with "200"
amount and expected disbursement date on "01 January 2024"
+ When Admin successfully disburse the loan on "01 January 2024" with "100"
EUR transaction amount
+ Then Loan Repayment schedule has 6 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 2 | 29 | 01 March 2024 | | 67.19 | 16.47
| 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 3 | 31 | 01 April 2024 | | 50.59 | 16.6
| 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 4 | 30 | 01 May 2024 | | 33.86 | 16.73
| 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 5 | 31 | 01 June 2024 | | 17.0 | 16.86
| 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.0
| 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0
| 0.0 | 102.78 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ When Admin sets the business date to "01 February 2024"
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13
EUR transaction amount
+ Then Loan Repayment schedule has 6 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | 2 | 29 | 01 March 2024 | | 67.19 |
16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 3 | 31 | 01 April 2024 | | 50.59 |
16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 4 | 30 | 01 May 2024 | | 33.86 |
16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 5 | 31 | 01 June 2024 | | 17.0 |
16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ | 6 | 30 | 01 July 2024 | | 0.0 |
17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0
| 0.0 | 85.65 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+# --- 2nd disbursement --- #
+ When Admin successfully disburse the loan on "01 February 2024" with "100"
EUR transaction amount
+ Then Loan Repayment schedule has 7 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.85 |
32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.78 |
33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.45 |
33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.86 |
33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 6 | 30 | 01 July 2024 | | 17.0 |
33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0
| 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0
| 0.0 | 188.43 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 183.66 | false | false |
+# --- add re-aging transaction with default behaviour --- #
+ When Admin sets the business date to "01 April 2024"
+ When Admin creates a Loan re-aging transaction by Loan external ID with
the following data:
+ | frequencyNumber | frequencyType | startDate | numberOfInstallments |
reAgeInterestHandling |
+ | 1 | MONTHS | 01 May 2024 | 6 |
EQUAL_AMORTIZATION_FULL_INTEREST |
+ Then Loan Repayment schedule has 9 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 | 83.66 |
16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0
| 0.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 2 | 29 | 01 March 2024 | 01 April 2024 | 183.66 |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0
| 0.0 |
+ | 3 | 31 | 01 April 2024 | 01 April 2024 | 183.66 |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0
| 0.0 |
+ | 4 | 30 | 01 May 2024 | | 153.05 |
30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0
| 31.45 |
+ | 5 | 31 | 01 June 2024 | | 122.44 |
30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0
| 31.45 |
+ | 6 | 30 | 01 July 2024 | | 91.83 |
30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0
| 31.45 |
+ | 7 | 31 | 01 August 2024 | | 61.22 |
30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0
| 31.45 |
+ | 8 | 31 | 01 September 2024 | | 30.61 |
30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0
| 31.45 |
+ | 9 | 30 | 01 October 2024 | | 0.0 |
30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0
| 31.45 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.83 | 0.0 | 0.0 | 205.83 | 17.13 | 0.0
| 0.0 | 188.7 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 183.66 | false | false |
+ | 01 April 2024 | Re-age | 188.7 | 183.66 | 5.04 |
0.0 | 0.0 | 0.0 | false | false |
+ When Loan Pay-off is made on "01 April 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
