diff --git a/fineract-core/src/main/java/org/apache/fineract/infrastructure/core/service/MathUtil.java b/fineract-core/src/main/java/org/apache/fineract/infrastructure/core/service/MathUtil.java index 9eab9a85e..a60b7e736 100644 --- a/fineract-core/src/main/java/org/apache/fineract/infrastructure/core/service/MathUtil.java +++ b/fineract-core/src/main/java/org/apache/fineract/infrastructure/core/service/MathUtil.java @@ -217,6 +217,10 @@ public final class MathUtil { return nullToZero(first).compareTo(nullToZero(second)) < 0; } + public static boolean isLessThanOrEqualTo(BigDecimal first, BigDecimal second) { + return nullToZero(first).compareTo(second) <= 0; + } + public static boolean isGreaterThanOrEqualTo(BigDecimal first, BigDecimal second) { return nullToZero(first).compareTo(nullToZero(second)) >= 0; } diff --git a/fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature b/fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature index 131e769c5..e9ae211db 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature @@ -5335,3 +5335,128 @@ Feature: EMI calculation and repayment schedule checks for interest bearing loan | 22 January 2021 | Accrual | 5.7 | 0.0 | 5.7 | 0.0 | 0.0 | 0.0 | false | false | Then In Loan Transactions the "2"th Transaction has Transaction type="Merchant Issued Refund" and is reverted Then In Loan Transactions the "3"th Transaction has Transaction type="Interest Refund" and is reverted + + @TestRailId:C3313 + Scenario: Verify that due date charges after maturity date is recognized on repayment schedule + When Global config "charge-accrual-date" value set to "submitted-date" + When Admin sets the business date to "01 January 2024" + And Admin creates a client with random data + And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule + 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" 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 4 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 | | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 | + | 2 | 29 | 01 March 2024 | | 50.28 | 24.93 | 0.44 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 | + | 3 | 31 | 01 April 2024 | | 25.2 | 25.08 | 0.29 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 | + | 4 | 30 | 01 May 2024 | | 0.0 | 25.2 | 0.15 | 0.0 | 0.0 | 25.35 | 0.0 | 0.0 | 0.0 | 25.35 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 0.0 | 0.0 | 0.0 | 101.46 | + 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 | + When Admin sets the business date to "1 May 2024" + And Admin runs inline COB job for Loan + And Admin adds "LOAN_NSF_FEE" due date charge with "15 May 2024" due date and 10 EUR transaction amount + Then Loan Repayment schedule has 5 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 | | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 | + | 2 | 29 | 01 March 2024 | | 50.42 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 | + | 3 | 31 | 01 April 2024 | | 25.63 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 | + | 4 | 30 | 01 May 2024 | | 0.0 | 25.63 | 0.58 | 0.0 | 0.0 | 26.21 | 0.0 | 0.0 | 0.0 | 26.21 | + | 5 | 14 | 15 May 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.32 | 0.0 | 10.0 | 112.32 | 0.0 | 0.0 | 0.0 | 112.32 | + 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 | + | 30 April 2024 | Accrual | 1.87 | 0.0 | 1.87 | 0.0 | 0.0 | 0.0 | false | false | + And Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | NSF fee | true | Specified due date | 15 May 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + When Admin sets the business date to "02 May 2024" + And Admin runs inline COB job for Loan + 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 | + | 30 April 2024 | Accrual | 1.87 | 0.0 | 1.87 | 0.0 | 0.0 | 0.0 | false | false | + | 01 May 2024 | Accrual | 10.45 | 0.0 | 0.45 | 0.0 | 10.0 | 0.0 | false | false | + + @TestRailId:C3333 + Scenario: Verify that due date charges after maturity date with inline COB run is recognized on repayment schedule + When Admin sets the business date to "01 January 2024" + And Admin creates a client with random data + And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule + 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + And Admin runs inline COB job for Loan + Then Loan Repayment schedule has 1 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 | | 0.0 | 100.0 | 0.58 | 0.0 | 0.0 | 100.58 | 0.0 | 0.0 | 0.0 | 100.58 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 0.58 | 0.0 | 0.0 | 100.58 | 0.0 | 0.0 | 0.0 | 100.58 | + 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 | + When Admin sets the business date to "15 February 2024" + And Admin adds "LOAN_NSF_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount + When Admin sets the business date to "16 February 2024" + And Admin runs inline COB job for Loan + Then Loan Repayment schedule has 2 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 | | 0.0 | 100.0 | 0.58 | 0.0 | 0.0 | 100.58 | 0.0 | 0.0 | 0.0 | 100.58 | + | 2 | 14 | 15 February 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 0.58 | 0.0 | 10.0 | 110.58 | 0.0 | 0.0 | 0.0 | 110.58 | + 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 | + | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | false | false | + And Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | NSF fee | true | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | diff --git a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanRepaymentScheduleInstallment.java b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanRepaymentScheduleInstallment.java index 00e2687e7..76d223337 100644 --- a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanRepaymentScheduleInstallment.java +++ b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanRepaymentScheduleInstallment.java @@ -721,6 +721,18 @@ public class LoanRepaymentScheduleInstallment extends AbstractAuditableWithUTCDa this.penaltyAccrued = MathUtil.zeroToNull(MathUtil.toBigDecimal(penalityCharges)); } + public void setInterestAccrued(BigDecimal interestAccrued) { + this.interestAccrued = interestAccrued; + } + + public void setFeeAccrued(BigDecimal feeAccrued) { + this.feeAccrued = feeAccrued; + } + + public void setPenaltyAccrued(BigDecimal penaltyAccrued) { + this.penaltyAccrued = penaltyAccrued; + } + public void updateObligationsMet(final MonetaryCurrency currency, final LocalDate transactionDate) { if (!this.obligationsMet && getTotalOutstanding(currency).isZero()) { this.obligationsMet = true; diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/AccrualBalances.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/AccrualBalances.java new file mode 100644 index 000000000..52b9e7cb0 --- /dev/null +++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/AccrualBalances.java @@ -0,0 +1,32 @@ +/** + * Licensed to the Apache Software Foundation (ASF) under one + * or more contributor license agreements. See the NOTICE file + * distributed with this work for additional information + * regarding copyright ownership. The ASF licenses this file + * to you under the Apache License, Version 2.0 (the + * "License"); you may not use this file except in compliance + * with the License. You may obtain a copy of the License at + * + * http://www.apache.org/licenses/LICENSE-2.0 + * + * Unless required by applicable law or agreed to in writing, + * software distributed under the License is distributed on an + * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY + * KIND, either express or implied. See the License for the + * specific language governing permissions and limitations + * under the License. + */ +package org.apache.fineract.portfolio.loanaccount.data; + +import java.math.BigDecimal; +import lombok.Getter; +import lombok.Setter; + +@Getter +@Setter +public class AccrualBalances { + + private BigDecimal interestPortion = BigDecimal.ZERO; + private BigDecimal feePortion = BigDecimal.ZERO; + private BigDecimal penaltyPortion = BigDecimal.ZERO; +} diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanAccrualsProcessingServiceImpl.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanAccrualsProcessingServiceImpl.java index b33a17f11..c07eccad4 100644 --- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanAccrualsProcessingServiceImpl.java +++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanAccrualsProcessingServiceImpl.java @@ -56,6 +56,7 @@ import org.apache.fineract.infrastructure.event.business.service.BusinessEventNo import org.apache.fineract.infrastructure.jobs.exception.JobExecutionException; import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency; import org.apache.fineract.organisation.monetary.domain.Money; +import org.apache.fineract.portfolio.loanaccount.data.AccrualBalances; import org.apache.fineract.portfolio.loanaccount.data.AccrualChargeData; import org.apache.fineract.portfolio.loanaccount.data.AccrualPeriodData; import org.apache.fineract.portfolio.loanaccount.data.AccrualPeriodsData; @@ -698,13 +699,52 @@ public class LoanAccrualsProcessingServiceImpl implements LoanAccrualsProcessing LoanRepaymentScheduleInstallment lastInstallment = loan.getLastLoanRepaymentScheduleInstallment(); LocalDate lastDueDate = lastInstallment.getDueDate(); if (isProgressiveAccrual(loan)) { - AccrualPeriodsData accrualPeriods = calculateAccrualAmounts(loan, lastDueDate, true); - for (AccrualPeriodData period : accrualPeriods.getPeriods()) { - Money interestAccrued = period.getTransactionAccrued(); - Money feeAccrued = period.getFeeTransactionAccrued(); - Money penaltyAccrued = period.getPenaltyTransactionAccrued(); - LoanRepaymentScheduleInstallment installment = loan.fetchRepaymentScheduleInstallment(period.getInstallmentNumber()); - installment.updateAccrualPortion(interestAccrued, feeAccrued, penaltyAccrued); + AccrualBalances accrualBalances = new AccrualBalances(); + accrualTransactions.forEach(lt -> { + switch (lt.getTypeOf()) { + case ACCRUAL -> { + accrualBalances.setFeePortion(MathUtil.add(accrualBalances.getFeePortion(), lt.getFeeChargesPortion())); + accrualBalances.setPenaltyPortion(MathUtil.add(accrualBalances.getPenaltyPortion(), lt.getPenaltyChargesPortion())); + accrualBalances.setInterestPortion(MathUtil.add(accrualBalances.getInterestPortion(), lt.getInterestPortion())); + } + case ACCRUAL_ADJUSTMENT -> { + accrualBalances.setFeePortion(MathUtil.subtract(accrualBalances.getFeePortion(), lt.getFeeChargesPortion())); + accrualBalances + .setPenaltyPortion(MathUtil.subtract(accrualBalances.getPenaltyPortion(), lt.getPenaltyChargesPortion())); + accrualBalances + .setInterestPortion(MathUtil.subtract(accrualBalances.getInterestPortion(), lt.getInterestPortion())); + } + default -> throw new IllegalStateException("Unexpected value: " + lt.getTypeOf()); + } + }); + for (LoanRepaymentScheduleInstallment installment : loan.getRepaymentScheduleInstallments()) { + BigDecimal maximumAccruableInterest = MathUtil.nullToZero(installment.getInterestCharged()); + BigDecimal maximumAccruableFee = MathUtil.nullToZero(installment.getFeeChargesCharged()); + BigDecimal maximumAccruablePenalty = MathUtil.nullToZero(installment.getPenaltyCharges()); + + if (MathUtil.isLessThanOrEqualTo(maximumAccruableInterest, accrualBalances.getInterestPortion())) { + installment.setInterestAccrued(maximumAccruableInterest); + accrualBalances.setInterestPortion(accrualBalances.getInterestPortion().subtract(maximumAccruableInterest)); + } else { + installment.setInterestAccrued(accrualBalances.getInterestPortion()); + accrualBalances.setInterestPortion(BigDecimal.ZERO); + } + + if (MathUtil.isLessThanOrEqualTo(maximumAccruableFee, accrualBalances.getFeePortion())) { + installment.setFeeAccrued(maximumAccruableFee); + accrualBalances.setFeePortion(accrualBalances.getFeePortion().subtract(maximumAccruableFee)); + } else { + installment.setFeeAccrued(accrualBalances.getFeePortion()); + accrualBalances.setFeePortion(BigDecimal.ZERO); + } + + if (MathUtil.isLessThanOrEqualTo(maximumAccruablePenalty, accrualBalances.getPenaltyPortion())) { + installment.setPenaltyAccrued(maximumAccruablePenalty); + accrualBalances.setPenaltyPortion(accrualBalances.getPenaltyPortion().subtract(maximumAccruablePenalty)); + } else { + installment.setPenaltyAccrued(accrualBalances.getPenaltyPortion()); + accrualBalances.setPenaltyPortion(BigDecimal.ZERO); + } } } else { List installments = loan.getRepaymentScheduleInstallments();