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new 4ba9bdf4dd FINERACT-2412: full term tranche - re-amortization handling
4ba9bdf4dd is described below
commit 4ba9bdf4dd883420d2b3813e6005785b4b6c67f6
Author: mariiaKraievska <[email protected]>
AuthorDate: Fri Jan 23 14:05:59 2026 +0200
FINERACT-2412: full term tranche - re-amortization handling
---
.../features/LoanDelayedScheduleCaptures.feature | 267 +++++++++++++++++++++
1 file changed, 267 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 902536d07f..461fc0ea29 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
@@ -2021,3 +2021,270 @@ Feature: Full Term Tranche - Schedule handling and
Calculations
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
| 15 February 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 200.0 | false | false |
| 01 March 2024 | Close (as written-off) | 205.31 | 200.0 | 5.31
| 0.0 | 0.0 | 0.0 | false | false |
+
+ @TestRailId:C4561 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan -
re-amortization - default behaviour - UC17
+ 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"
+ 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 |
+ 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 |
+ When Admin sets the business date to "01 April 2024"
+ When Admin creates a Loan re-amortization transaction on current business
date
+ 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 | 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 | | 140.45 |
43.21 | 4.35 | 0.0 | 0.0 | 47.56 | 0.0 | 0.0 | 0.0
| 47.56 |
+ | 5 | 31 | 01 June 2024 | | 94.0 |
46.45 | 1.11 | 0.0 | 0.0 | 47.56 | 0.0 | 0.0 | 0.0
| 47.56 |
+ | 6 | 30 | 01 July 2024 | | 47.18 |
46.82 | 0.74 | 0.0 | 0.0 | 47.56 | 0.0 | 0.0 | 0.0
| 47.56 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
47.18 | 0.37 | 0.0 | 0.0 | 47.55 | 0.0 | 0.0 | 0.0
| 47.55 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 7.36 | 0.0 | 0.0 | 207.36 | 17.13 | 0.0
| 0.0 | 190.23 |
+ 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-amortize | 68.52 | 65.62 | 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
+
+ # TODO check and unSkip when WAIVE_INTEREST strategy is implemented
+ @Skip
+ @TestRailId:C4562 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan -
re-amortization - waive interest behaviour - UC17.1
+ 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 |
+# --- 2nd disbursement 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 |
+ 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 |
+ When Admin sets the business date to "01 April 2024"
+ When Admin creates a Loan re-amortization transaction on current business
date
+ # TODO check numbers
+ 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 | 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 | | 110.2 |
36.15 | 1.16 | 0.0 | 0.0 | 37.31 | 0.0 | 0.0 | 0.0
| 37.31 |
+ | 5 | 31 | 01 June 2024 | | 73.76 |
36.44 | 0.87 | 0.0 | 0.0 | 37.31 | 0.0 | 0.0 | 0.0
| 37.31 |
+ | 6 | 30 | 01 July 2024 | | 37.03 |
36.73 | 0.58 | 0.0 | 0.0 | 37.31 | 0.0 | 0.0 | 0.0
| 37.31 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
37.03 | 0.29 | 0.0 | 0.0 | 37.32 | 0.0 | 0.0 | 0.0
| 37.32 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 6.63 | 0.0 | 0.0 | 206.63 | 17.13 | 0.0
| 0.0 | 189.5 |
+ 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-amortize | 34.26 | 32.81 | 1.45 |
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:C4563 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan -
re-amortization - equal interest split behaviour - UC17.2
+ 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 |
+# --- 2nd disbursement 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 |
+ 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 |
+ When Admin sets the business date to "01 April 2024"
+ And Admin creates a Loan re-amortization transaction on current business
date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
+ 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 | 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 | | 138.28 |
45.38 | 2.17 | 0.0 | 0.0 | 47.55 | 0.0 | 0.0 | 0.0
| 47.55 |
+ | 5 | 31 | 01 June 2024 | | 92.54 |
45.74 | 1.81 | 0.0 | 0.0 | 47.55 | 0.0 | 0.0 | 0.0
| 47.55 |
+ | 6 | 30 | 01 July 2024 | | 46.44 |
46.1 | 1.45 | 0.0 | 0.0 | 47.55 | 0.0 | 0.0 | 0.0
| 47.55 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
46.44 | 1.09 | 0.0 | 0.0 | 47.53 | 0.0 | 0.0 | 0.0
| 47.53 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 7.31 | 0.0 | 0.0 | 207.31 | 17.13 | 0.0
| 0.0 | 190.18 |
+ 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-amortize | 68.52 | 65.62 | 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
