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The following commit(s) were added to refs/heads/develop by this push:
new e31ee7a9f8 FINERACT-2412: Added e2e tests for validating handling of
backdated monetary and reversal transactions for full term tranche loans
e31ee7a9f8 is described below
commit e31ee7a9f87620806f33cae88e1facffd8cbcd5b
Author: Rustam Zeinalov <[email protected]>
AuthorDate: Mon Jan 26 12:50:30 2026 +0100
FINERACT-2412: Added e2e tests for validating handling of backdated
monetary and reversal transactions for full term tranche loans
---
.../global/LoanProductGlobalInitializerStep.java | 2 +-
.../features/LoanDelayedScheduleCaptures.feature | 624 +++++++++++++++++++++
2 files changed, 625 insertions(+), 1 deletion(-)
diff --git
a/fineract-e2e-tests-runner/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
b/fineract-e2e-tests-runner/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
index dbfd40a045..d2039e15c8 100644
---
a/fineract-e2e-tests-runner/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+++
b/fineract-e2e-tests-runner/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
@@ -4450,7 +4450,7 @@ public class LoanProductGlobalInitializerStep implements
FineractGlobalInitializ
loanProductsRequestLP2AdvPaymentIntEmiActualActualIntRefundFullZeroIntChargeOffAccrualActivity);
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY,
-
responseLoanProductsRequestLP2AdvPaymentIntEmiActualActualIntRefundFullZeroIntChargeOff);
+
responseLoanProductsRequestLP2AdvPaymentIntEmiActualActualIntRefundFullZeroIntChargeOffAccrualActivity);
// LP2 with progressive loan schedule + horizontal + interest
recalculation daily EMI + 360/30 +
// multidisbursement with full term tranche enabled
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 8fbfb25159..77efcc658b 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
@@ -1153,3 +1153,627 @@ Feature: Full Term Tranche - Schedule handling and
Calculations
| 01 February 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 |
0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "01 February 2024"
Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4548 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche - backdated repayment triggers
reverse-replay - UC10
+ 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 |
+# --- 2nd disbursement on installment date ---
+ When Admin sets the business date to "01 February 2024"
+ 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | | | 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 | 0.0 | 0.0
| 0.0 | 205.56 |
+ 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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+# --- Backdated repayment before 2nd disbursement ---
+ When Admin sets the business date to "15 February 2024"
+ And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.13 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 | 15 January 2024 | 83.23 |
16.77 | 0.36 | 0.0 | 0.0 | 17.13 | 17.13 | 17.13 | 0.0
| 0.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.78 |
32.45 | 1.81 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.71 |
33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.38 |
33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.79 |
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 |
33.79 | 0.4 | 0.0 | 0.0 | 34.19 | 0.0 | 0.0 | 0.0
| 34.19 |
+ | 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 | 5.49 | 0.0 | 0.0 | 205.49 | 17.13 | 17.13
| 0.0 | 188.36 |
+ 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 |
+ | 15 January 2024 | Repayment | 17.13 | 16.77 | 0.36 |
0.0 | 0.0 | 83.23 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 183.23 | 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:C4549 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche - backdated charge triggers
reverse-replay - UC11
+ 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 |
+# --- Repayment on installment date ---
+ 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 |
+# --- Backdated NSF charge before repayment ---
+ When Admin sets the business date to "15 February 2024"
+ When Admin adds "LOAN_NSF_FEE" due date charge with "20 January 2024" due
date and 10 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 | | 83.66 |
16.34 | 0.79 | 0.0 | 10.0 | 27.13 | 17.13 | 0.0 | 0.0
| 10.0 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.89 |
32.77 | 1.49 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.82 |
33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.49 |
33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.9 |
33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 6 | 30 | 01 July 2024 | | 17.04 |
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 |
17.04 | 0.13 | 0.0 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0
| 17.17 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.6 | 0.0 | 10.0 | 215.6 | 17.13 | 0.0
| 0.0 | 198.47 |
+ 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 | 7.13 | 0.0 |
0.0 | 10.0 | 92.87 | false | true |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 192.87 | false | true |
+ 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 January 2024 | Flat
| 10.0 | 10.0 | 0.0 | 0.0 |
+ 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:C4550 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche - backdated reschedule after 2nd
disbursement - UC12
+ 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 |
+# --- 2nd disbursement ---
+ When Admin sets the business date to "01 February 2024"
+ 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | | | 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 | 0.0 | 0.0
| 0.0 | 205.56 |
+ 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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+# --- Repayment ---
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13
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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 183.66 | false | false |
+# --- Reschedule: adjust due date ---
+ When Admin sets the business date to "15 March 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate |
graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 March 2024 | 15 March 2024 | 01 April 2024 |
| | | |
+ 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 | 60 | 01 April 2024 | | 152.3 |
31.36 | 2.9 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 3 | 30 | 01 May 2024 | | 119.24 |
33.06 | 1.2 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 4 | 31 | 01 June 2024 | | 85.92 |
33.32 | 0.94 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 30 | 01 July 2024 | | 52.34 |
33.58 | 0.68 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 6 | 31 | 01 August 2024 | | 18.49 |
33.85 | 0.41 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 7 | 31 | 01 September 2024 | | 0.0 |
18.49 | 0.15 | 0.0 | 0.0 | 18.64 | 0.0 | 0.0 | 0.0
| 18.64 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 7.07 | 0.0 | 0.0 | 207.07 | 17.13 | 0.0
| 0.0 | 189.94 |
+ 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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 183.66 | false | false |
+ When Loan Pay-off is made on "15 March 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4551 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche - backdated interest pause triggers
reverse-replay - UC13
+ 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 |
+# --- 2nd disbursement ---
+ When Admin sets the business date to "01 February 2024"
+ 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | | | 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 | 0.0 | 0.0
| 0.0 | 205.56 |
+ 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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+# --- Repayment ---
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13
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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 |
0.0 | 0.0 | 183.66 | false | false |
+# --- Backdated interest pause before 2nd disbursement ---
+ When Admin sets the business date to "15 March 2024"
+ And Create an interest pause period with start date "15 January 2024" and
end date "25 January 2024"
+ Then LoanScheduleVariationsAddedBusinessEvent is created for interest
pause from "15 January 2024" to "25 January 2024"
+ 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 | 83.38 |
16.62 | 0.51 | 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 | | 150.57 |
32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.62 |
32.95 | 1.31 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.29 |
33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.7 |
33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 6 | 30 | 01 July 2024 | | 17.12 |
33.58 | 0.4 | 0.0 | 0.0 | 33.98 | 0.0 | 0.0 | 0.0
| 33.98 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
17.12 | 0.14 | 0.0 | 0.0 | 17.26 | 0.0 | 0.0 | 0.0
| 17.26 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.41 | 0.0 | 0.0 | 205.41 | 17.13 | 0.0
| 0.0 | 188.28 |
+ 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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.62 | 0.51 |
0.0 | 0.0 | 183.38 | false | true |
+ When Loan Pay-off is made on "15 March 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4552 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche - repayment reversal after 2nd
disbursement - UC14
+ 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 |
+# --- Repayment ---
+ 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 |
+# --- Reversal of repayment ---
+ When Admin sets the business date to "15 February 2024"
+ When Customer undo "1"th "Repayment" transaction made on "01 February 2024"
+ 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.91 | 32.75
| 1.51 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 3 | 31 | 01 April 2024 | | 117.84 | 33.07
| 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 4 | 30 | 01 May 2024 | | 84.51 | 33.33
| 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 5 | 31 | 01 June 2024 | | 50.92 | 33.59
| 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 6 | 30 | 01 July 2024 | | 17.06 | 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 | 17.06
| 0.13 | 0.0 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.62 | 0.0 | 0.0 | 205.62 | 0.0 | 0.0
| 0.0 | 205.62 |
+ 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 | true | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | 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:C4553 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche - charge waive and undo waive after 2nd
disbursement - UC15
+ 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 |
+# --- Add charge ---
+ When Admin sets the business date to "15 January 2024"
+ When Admin adds "LOAN_NSF_FEE" due date charge with "15 January 2024" due
date and 10 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 | 10.0 | 27.13 | 0.0 | 0.0 | 0.0 | 27.13
|
+ | 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 | 10.0 | 112.78 | 0.0 | 0.0
| 0.0 | 112.78 |
+ 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 |
+ 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 | 15 January 2024 | Flat
| 10.0 | 0.0 | 0.0 | 10.0 |
+# --- 2nd disbursement ---
+ When Admin sets the business date to "01 February 2024"
+ 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 10.0 | 27.13 | 0.0 | 0.0 | 0.0 | 27.13
|
+ | | | 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 | 10.0 | 215.56 | 0.0 | 0.0
| 0.0 | 215.56 |
+ 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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | 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 | 15 January 2024 | Flat
| 10.0 | 0.0 | 0.0 | 10.0 |
+# --- Waive charge ---
+ When Admin sets the business date to "15 February 2024"
+ And Admin waives due date charge
+ 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 | Waived |
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 | 10.0 | 27.13 | 0.0 | 0.0 | 0.0 | 10.0 |
17.13 |
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.91 | 32.75
| 1.51 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 |
34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.84 | 33.07
| 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 |
34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.51 | 33.33
| 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 |
34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.92 | 33.59
| 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 |
34.26 |
+ | 6 | 30 | 01 July 2024 | | 17.06 | 33.86
| 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 |
34.26 |
+ | 7 | 31 | 01 August 2024 | | 0.0 | 17.06
| 0.13 | 0.0 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 0.0 |
17.19 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Waived | Outstanding |
+ | 200.0 | 5.62 | 0.0 | 10.0 | 215.62 | 0.0 | 0.0
| 0.0 | 10.0 | 205.62 |
+ 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 |
+ | 15 January 2024 | Waive loan charges | 10.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 200.0 | 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 | 15 January 2024 | Flat
| 10.0 | 0.0 | 10.0 | 0.0 |
+# --- Undo waive charge ---
+ When Admin sets the business date to "20 February 2024"
+ And Admin makes waive undone for charge
+ 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 10.0 | 27.13 | 0.0 | 0.0 | 0.0 | 27.13
|
+ | | | 01 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.94 | 32.72
| 1.54 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 3 | 31 | 01 April 2024 | | 117.87 | 33.07
| 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 4 | 30 | 01 May 2024 | | 84.54 | 33.33
| 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 5 | 31 | 01 June 2024 | | 50.95 | 33.59
| 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 6 | 30 | 01 July 2024 | | 17.09 | 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 | 17.09
| 0.14 | 0.0 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.66 | 0.0 | 10.0 | 215.66 | 0.0 | 0.0
| 0.0 | 215.66 |
+ 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 |
+ | 15 January 2024 | Waive loan charges | 10.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | true | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 200.0 | 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 | 15 January 2024 | Flat
| 10.0 | 0.0 | 0.0 | 10.0 |
+ When Loan Pay-off is made on "20 February 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4555 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche - undo last disbursement reverts schedule
extension - 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 |
+# --- 2nd disbursement ---
+ When Admin sets the business date to "01 February 2024"
+ 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 | | 83.66 | 16.34
| 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | | | 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 | 0.0 | 0.0
| 0.0 | 205.56 |
+ 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 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+# --- Undo last disbursement ---
+ When Admin sets the business date to "15 February 2024"
+ When Admin successfully undo last disbursal
+ 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 | | 67.25 | 16.41
| 0.72 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 3 | 31 | 01 April 2024 | | 50.65 | 16.6
| 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 4 | 30 | 01 May 2024 | | 33.92 | 16.73
| 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13
|
+ | 5 | 31 | 01 June 2024 | | 17.06 | 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 | 17.06
| 0.13 | 0.0 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100.0 | 2.84 | 0.0 | 0.0 | 102.84 | 0.0 | 0.0
| 0.0 | 102.84 |
+ 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 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
