From 0a113fd42d797189131f170dbbf78f4c42cabed4 Mon Sep 17 00:00:00 2001 From: Peter Kovacs Date: Fri, 30 Jan 2026 14:29:02 +0100 Subject: [PATCH] FINERACT-2412: full term tranche- interest pause handling - E2E tests --- .../LoanDelayedScheduleCaptures.feature | 415 ++++++++++++++++++ .../features/LoanInterestPause.feature | 16 +- 2 files changed, 423 insertions(+), 8 deletions(-) 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 7ffdad3de..70fc2baa2 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature @@ -1066,6 +1066,81 @@ Feature: Full Term Tranche - Schedule handling and Calculations 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 + @AdvancedPaymentAllocation + Scenario: Verify that Loan full term tranche with interest pause transaction S11 + When Admin sets the business date to "01 January 2024" + When Admin creates a client with random data + When Admin creates a fully customized loan with the following data: + | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount + # --- 2nd disbursement --- # + When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount + + When Admin sets the business date to "02 February 2024" + And Create an interest pause period with start date "02 April 2024" and end date "01 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 | 30 | 01 May 2024 | | 83.52 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 49.92 | 33.6 | 0.66 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 16.05 | 33.87 | 0.39 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 16.05 | 0.13 | 0.0 | 0.0 | 16.18 | 0.0 | 0.0 | 0.0 | 16.18 | + + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 4.61 | 0.0 | 0.0 | 204.61 | 17.13 | 0.0 | 0.0 | 187.48 | + 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 + When Customer undo "2"th repayment on "02 February 2024" + + When Admin sets the business date to "28 February 2024" + When Loan Pay-off is made on "28 February 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + When Customer undo "3"th repayment on "28 February 2024" + + When Admin sets the business date to "01 April 2024" + 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 + When Customer undo "4"th repayment on "01 April 2024" + + When Admin sets the business date to "02 April 2024" + When Loan Pay-off is made on "02 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + When Customer undo "5"th repayment on "02 April 2024" + + When Admin sets the business date to "01 May 2024" + When Loan Pay-off is made on "01 May 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met @TestRailId:C4546 @AdvancedPaymentAllocation Scenario: Verify that Loan full term tranche with BuyDownFee transaction - UC15 When Admin sets the business date to "01 January 2024" @@ -3202,3 +3277,343 @@ Feature: Full Term Tranche - Schedule handling and Calculations | 01 March 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 250.0 | 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:C4597 + Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC1: interest pause happy path + When Admin sets the business date to "01 January 2024" + And Admin creates a client with random data + And 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" + And 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 | + And 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 | + And 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 Feb 1 + 2nd disbursement on same day --- + 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 + And 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 | + And 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 | + And 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 | +# --- Interest pause from 02 April 2024 to 01 May 2024 --- + When Admin sets the business date to "02 February 2024" + And Create an interest pause period with start date "02 April 2024" and end date "01 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 | 30 | 01 May 2024 | | 83.52 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 49.92 | 33.6 | 0.66 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 16.05 | 33.87 | 0.39 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 16.05 | 0.13 | 0.0 | 0.0 | 16.18 | 0.0 | 0.0 | 0.0 | 16.18 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 4.61 | 0.0 | 0.0 | 204.61 | 17.13 | 0.0 | 0.0 | 187.48 | + When Loan Pay-off is made on "02 February 2024" + And Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4598 + Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC2: multiple interest pauses + When Admin sets the business date to "01 January 2024" + And Admin creates a client with random data + And 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" + And 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 | + And 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 | + And 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 Feb 1 + 2nd disbursement on same day --- + 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 + And 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 | + And 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 | + And 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 | +# --- First interest pause from 02 April 2024 to 01 May 2024 --- + When Admin sets the business date to "02 February 2024" + And Create an interest pause period with start date "02 April 2024" and end date "01 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 | 30 | 01 May 2024 | | 83.52 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 49.92 | 33.6 | 0.66 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 16.05 | 33.87 | 0.39 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 16.05 | 0.13 | 0.0 | 0.0 | 16.18 | 0.0 | 0.0 | 0.0 | 16.18 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 4.61 | 0.0 | 0.0 | 204.61 | 17.13 | 0.0 | 0.0 | 187.48 | +# --- Second interest pause from 15 May 2024 to 25 May 2024 --- + And Create an interest pause period with start date "15 May 2024" and end date "25 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 | 30 | 01 May 2024 | | 83.52 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 49.69 | 33.83 | 0.43 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 15.82 | 33.87 | 0.39 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 15.82 | 0.13 | 0.0 | 0.0 | 15.95 | 0.0 | 0.0 | 0.0 | 15.95 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 4.38 | 0.0 | 0.0 | 204.38 | 17.13 | 0.0 | 0.0 | 187.25 | + When Loan Pay-off is made on "02 February 2024" + And Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4599 + Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC3: backdated interest pause after second disbursement + When Admin sets the business date to "01 January 2024" + And Admin creates a client with random data + And 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" + And 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 | + And 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 | + And 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 Feb 1 + 2nd disbursement on same day --- + 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 + And 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 | + And 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 | + And 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 | +# --- Repayment on March 1 --- + When Admin sets the business date to "01 March 2024" + And Customer makes "AUTOPAY" repayment on "01 March 2024" with 34.26 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 | 01 March 2024 | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 34.26 | 0.0 | 0.0 | 0.0 | + | 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 | + And 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 | 51.39 | 0.0 | 0.0 | 154.17 | +# --- Backdated interest pause from 05 February 2024 to 15 February 2024 --- + When Admin sets the business date to "15 March 2024" + And Create an interest pause period with start date "05 February 2024" and end date "15 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 | 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 March 2024 | 150.3 | 33.36 | 0.9 | 0.0 | 0.0 | 34.26 | 34.26 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 117.23 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 4 | 30 | 01 May 2024 | | 83.9 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 50.3 | 33.6 | 0.66 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 16.44 | 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 | 16.44 | 0.13 | 0.0 | 0.0 | 16.57 | 0.0 | 0.0 | 0.0 | 16.57 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 5.0 | 0.0 | 0.0 | 205.0 | 51.39 | 0.0 | 0.0 | 153.61 | + And 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 March 2024 | Repayment | 34.26 | 33.36 | 0.9 | 0.0 | 0.0 | 150.3 | false | true | + When Loan Pay-off is made on "15 March 2024" + And Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4600 + Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC4: interest pause with partial repayments + When Admin sets the business date to "01 January 2024" + And Admin creates a client with random data + And 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" + And 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 | + And 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 | + And 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 Feb 1 + 2nd disbursement on same day --- + 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 + And 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 | + And 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 | + And 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 | +# --- Interest pause --- + And Create an interest pause period with start date "15 February 2024" and end date "15 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 | 29 | 01 March 2024 | | 150.05 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 3 | 31 | 01 April 2024 | | 115.79 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 4 | 30 | 01 May 2024 | | 82.02 | 33.77 | 0.49 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 48.41 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 14.53 | 33.88 | 0.38 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 14.53 | 0.11 | 0.0 | 0.0 | 14.64 | 0.0 | 0.0 | 0.0 | 14.64 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 3.07 | 0.0 | 0.0 | 203.07 | 17.13 | 0.0 | 0.0 | 185.94 | +# --- Partial repayment during pause period on 01 March 2024 --- + When Admin sets the business date to "01 March 2024" + And Customer makes "AUTOPAY" repayment on "01 March 2024" with 20.0 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 | | 150.05 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 20.0 | 0.0 | 0.0 | 14.26 | + | 3 | 31 | 01 April 2024 | | 115.79 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 4 | 30 | 01 May 2024 | | 82.02 | 33.77 | 0.49 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 48.41 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 14.53 | 33.88 | 0.38 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 14.53 | 0.11 | 0.0 | 0.0 | 14.64 | 0.0 | 0.0 | 0.0 | 14.64 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 3.07 | 0.0 | 0.0 | 203.07 | 37.13 | 0.0 | 0.0 | 165.94 | +# --- Another partial repayment during pause period on 05 April 2024 --- + When Admin sets the business date to "05 April 2024" + And Customer makes "AUTOPAY" repayment on "05 April 2024" with 25.0 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 | 05 April 2024 | 150.05 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 34.26 | 0.0 | 14.26 | 0.0 | + | 3 | 31 | 01 April 2024 | | 115.79 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 10.74 | 0.0 | 10.74 | 23.52 | + | 4 | 30 | 01 May 2024 | | 82.02 | 33.77 | 0.49 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 48.41 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 14.53 | 33.88 | 0.38 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 14.53 | 0.11 | 0.0 | 0.0 | 14.64 | 0.0 | 0.0 | 0.0 | 14.64 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 3.07 | 0.0 | 0.0 | 203.07 | 62.13 | 0.0 | 25.0 | 140.94 | + When Loan Pay-off is made on "05 April 2024" + And Loan is closed with zero outstanding balance and it's all installments have obligations met \ No newline at end of file diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanInterestPause.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanInterestPause.feature index d30029c55..8d158192f 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanInterestPause.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanInterestPause.feature @@ -2438,15 +2438,15 @@ Feature: Loan interest pause on repayment schedule 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 | | 83.42 | 16.58 | 0.43 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 66.9 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.28 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.56 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.75 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.75 | 0.1 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 | + | 1 | 31 | 01 February 2024 | | 83.4 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 66.88 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.26 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.54 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.73 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.73 | 0.1 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 | Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100 | 1.9 | 0 | 0 | 101.9 | 0 | 0 | 0 | 101.9 | + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100 | 1.88 | 0 | 0 | 101.88 | 0 | 0 | 0 | 101.88 | When Loan Pay-off is made on "02 January 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met