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new 4c14715078 FINERACT-2412: full term tranche - payment holiday handling
4c14715078 is described below
commit 4c14715078145f7b50b3fa5dff57184dd3f2ae05
Author: mariiaKraievska <[email protected]>
AuthorDate: Mon Jan 26 14:41:00 2026 +0200
FINERACT-2412: full term tranche - payment holiday handling
---
.../features/LoanDelayedScheduleCaptures.feature | 339 +++++++++++++++++++++
1 file changed, 339 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 e5bc5d79eb..9fcf5f5191 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
@@ -2702,3 +2702,342 @@ Feature: Full Term Tranche - Schedule handling and
Calculations
| 01 March 2024 | Contract Termination | 201.99 | 200.0 | 1.99
| 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "01 March 2024"
Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4566 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan -
second disbursement on installment date - payment holiday - reschedule - 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"
+ 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 March 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate |
graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 May 2024 | 01 May 2024 | 15 May 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 | 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 | 44 | 15 May 2024 | | 84.87 |
32.91 | 1.35 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 5 | 31 | 15 June 2024 | | 51.28 |
33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 6 | 30 | 15 July 2024 | | 17.43 |
33.85 | 0.41 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0
| 34.26 |
+ | 7 | 31 | 15 August 2024 | | 0.0 |
17.43 | 0.14 | 0.0 | 0.0 | 17.57 | 0.0 | 0.0 | 0.0
| 17.57 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 6.0 | 0.0 | 0.0 | 206.0 | 17.13 | 0.0
| 0.0 | 188.87 |
+ 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 Loan Pay-off is made on "01 March 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4567 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan -
second disbursement mid-period - payment holiday - reschedule - UC10.1
+ 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 mid-period (Feb 15) ---
+ When Admin sets the business date to "15 February 2024"
+ When Admin successfully disburse the loan on "15 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
|
+ | | | 15 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.59 | 33.07
| 1.13 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 3 | 31 | 01 April 2024 | | 117.58 | 33.01
| 1.19 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 4 | 30 | 01 May 2024 | | 84.31 | 33.27
| 0.93 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 5 | 31 | 01 June 2024 | | 50.78 | 33.53
| 0.67 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 6 | 30 | 01 July 2024 | | 16.92 | 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 | 16.92
| 0.13 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.24 | 0.0 | 0.0 | 205.24 | 0.0 | 0.0
| 0.0 | 205.24 |
+ 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 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+ When Admin sets the business date to "01 March 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate |
graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 May 2024 | 01 May 2024 | 15 May 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
|
+ | | | 15 February 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 2 | 29 | 01 March 2024 | | 150.66 | 33.0
| 1.2 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 3 | 31 | 01 April 2024 | | 117.65 | 33.01
| 1.19 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 4 | 44 | 15 May 2024 | | 84.8 | 32.85
| 1.35 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 5 | 31 | 15 June 2024 | | 51.27 | 33.53
| 0.67 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2
|
+ | 6 | 30 | 15 July 2024 | | 17.42 | 33.85
| 0.41 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26
|
+ | 7 | 31 | 15 August 2024 | | 0.0 | 17.42
| 0.14 | 0.0 | 0.0 | 17.56 | 0.0 | 0.0 | 0.0 | 17.56
|
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 5.75 | 0.0 | 0.0 | 205.75 | 0.0 | 0.0
| 0.0 | 205.75 |
+ 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 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 200.0 | false | false |
+ When Loan Pay-off is made on "01 March 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4568 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan -
second disbursement on installment date - interest rate change - reschedule -
UC10.2
+ 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 "02 February 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate |
graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 March 2024 | 02 February 2024 | |
| | | 10 |
+ 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 | | 153.61 |
30.05 | 1.45 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0
| 31.5 |
+ | 3 | 31 | 01 April 2024 | | 123.39 |
30.22 | 1.28 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0
| 31.5 |
+ | 4 | 30 | 01 May 2024 | | 92.92 |
30.47 | 1.03 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0
| 31.5 |
+ | 5 | 31 | 01 June 2024 | | 62.19 |
30.73 | 0.77 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0
| 31.5 |
+ | 6 | 30 | 01 July 2024 | | 31.21 |
30.98 | 0.52 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0
| 31.5 |
+ | 7 | 31 | 01 August 2024 | | 0.0 |
31.21 | 0.26 | 0.0 | 0.0 | 31.47 | 0.0 | 0.0 | 0.0
| 31.47 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 6.1 | 0.0 | 0.0 | 206.1 | 17.13 | 0.0
| 0.0 | 188.97 |
+ 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 Loan Pay-off is made on "02 February 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
+
+ @TestRailId:C4569 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan -
second disbursement on installment date - extra terms - reschedule - UC10.3
+ 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 "02 February 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate |
graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 March 2024 | 02 February 2024 | |
| | 2 | |
+ 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 | | 161.33 |
22.33 | 1.45 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0
| 23.78 |
+ | 3 | 31 | 01 April 2024 | | 138.82 |
22.51 | 1.27 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0
| 23.78 |
+ | 4 | 30 | 01 May 2024 | | 116.14 |
22.68 | 1.1 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0
| 23.78 |
+ | 5 | 31 | 01 June 2024 | | 93.28 |
22.86 | 0.92 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0
| 23.78 |
+ | 6 | 30 | 01 July 2024 | | 70.24 |
23.04 | 0.74 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0
| 23.78 |
+ | 7 | 31 | 01 August 2024 | | 47.02 |
23.22 | 0.56 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0
| 23.78 |
+ | 8 | 31 | 01 September 2024 | | 23.61 |
23.41 | 0.37 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0
| 23.78 |
+ | 9 | 30 | 01 October 2024 | | 0.0 |
23.61 | 0.19 | 0.0 | 0.0 | 23.8 | 0.0 | 0.0 | 0.0
| 23.8 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 200.0 | 7.39 | 0.0 | 0.0 | 207.39 | 17.13 | 0.0
| 0.0 | 190.26 |
+ 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 Loan Pay-off is made on "02 February 2024"
+ Then Loan is closed with zero outstanding balance and it's all
installments have obligations met
