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FINERACT-2390: e2e test scenarios for infinite loop with MIR trn issue

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This commit is contained in:
MarianaDmytrivBinariks
2025-10-28 09:25:47 +01:00
committed by Adam Saghy
parent 331a762a38
commit 1596d09e54
4 changed files with 380 additions and 1 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+1
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@@ -169,6 +169,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP1_INTEREST_FLAT_SAR_RECALCULATION_DAILY_360_30_APPROVED_OVER_APPLIED_MULTIDISB, //
LP1_INTEREST_FLAT_DAILY_RECALCULATION_DAILY_360_30_MULTIDISB, //
LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_MULTIDISB_AUTO_DOWNPAYMENT, //
LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY, //
;
@Override
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+82
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@@ -19,6 +19,7 @@
package org.apache.fineract.test.initializer.global;
import static org.apache.fineract.client.models.LoanProductRelatedDetail.DaysInYearCustomStrategyEnum.FEB_29_PERIOD_ONLY;
import static org.apache.fineract.test.data.ChargeOffBehaviour.ZERO_INTEREST;
import static org.apache.fineract.test.data.TransactionProcessingStrategyCode.ADVANCED_PAYMENT_ALLOCATION;
import static org.apache.fineract.test.factory.LoanProductsRequestFactory.INTEREST_CALCULATION_PERIOD_TYPE_SAME_AS_REPAYMENT;
import static org.apache.fineract.test.factory.LoanProductsRequestFactory.INTEREST_RATE_FREQUENCY_TYPE_MONTH;
@@ -3974,6 +3975,87 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_MULTIDISB_AUTO_DOWNPAYMENT,
responseLoanProductsRequestInterestFlatSaRRecalculationSameAsRepaymentMultiDisbursementAUtoDownPayment);
// LP2 advanced custom payment allocation + progressive loan schedule + horizontal + interest recalculation
// Frequency for recalculate Outstanding Principal: Daily, Frequency Interval for recalculation: 1
String name147 = DefaultLoanProduct.LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY
.getName();
PostLoanProductsRequest loanProductsResponseAdvCustomPaymentAllocationProgressiveLoanInterestDailyEmi36030InterestRecalculationDaily = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.supportedInterestRefundTypes(supportedInterestRefundTypes)
// .installmentAmountInMultiplesOf(null) //
.name(name147)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.isInterestRecalculationEnabled(true)//
.preClosureInterestCalculationStrategy(1)//
.rescheduleStrategyMethod(4)//
.interestRecalculationCompoundingMethod(0)//
.recalculationRestFrequencyType(2)//
.recalculationRestFrequencyInterval(1)//
.enableAccrualActivityPosting(true) //
.chargeOffBehaviour(ZERO_INTEREST.value)//
.paymentAllocation(List.of(//
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "LAST_INSTALLMENT",
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_FEE), //
createPaymentAllocation("GOODWILL_CREDIT", "REAMORTIZATION",
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_FEE), //
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT",
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_FEE), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT",
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.PAST_DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.DUE_FEE, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_INTEREST, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PRINCIPAL, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_PENALTY, //
LoanProductPaymentAllocationRule.AllocationTypesEnum.IN_ADVANCE_FEE) //
));//
Response<PostLoanProductsResponse> responseLoanProductsResponseAdvCustomPaymentAllocationProgressiveLoanInterestDailyEmi36030InterestRecalculationDaily = loanProductsApi
.createLoanProduct(
loanProductsResponseAdvCustomPaymentAllocationProgressiveLoanInterestDailyEmi36030InterestRecalculationDaily)
.execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY,
responseLoanProductsResponseAdvCustomPaymentAllocationProgressiveLoanInterestDailyEmi36030InterestRecalculationDaily);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+1
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@@ -188,6 +188,7 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_FLAT_SAR_RECALCULATION_DAILY_360_30_APPROVED_OVER_APPLIED_MULTIDISB = "loanProductCreateResponseLP1InterestFlatSameAsRepaymentRecalculationDaily36030MultiDisbursement";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_FLAT_DAILY_RECALCULATION_DAILY_360_30_MULTIDISB = "loanProductCreateResponseLP1InterestFlatDailyRecalculationDaily36030MultiDisbursement";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_MULTIDISB_AUTO_DOWNPAYMENT = "loanProductCreateResponseLP1InterestFlatDailyRecalculationSameAsRepaymentMultiDisbursementAutoDownPayment";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY = "loanProductCreateResponseLP2AdvancedPaymentAllocCustomInterestDailyEmi36030InterestRecalculationDaily";
public static final String CHARGE_FOR_LOAN_PERCENT_LATE_CREATE_RESPONSE = "ChargeForLoanPercentLateCreateResponse";
public static final String CHARGE_FOR_LOAN_PERCENT_LATE_AMOUNT_PLUS_INTEREST_CREATE_RESPONSE = "ChargeForLoanPercentLateAmountPlusInterestCreateResponse";
public static final String CHARGE_FOR_LOAN_PERCENT_PROCESSING_CREATE_RESPONSE = "ChargeForLoanPercentProcessingCreateResponse";
fineract-e2e-tests-runner/src/test/resources/features/LoanAccrualActivity.feature
+296 -1
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@@ -9090,6 +9090,301 @@ Feature: LoanAccrualActivity
And In Loan Transactions all transactions have non-null external-id
When Admin makes Credit Balance Refund transaction on "06 September 2025" with 3.91 EUR transaction amount
Then Loan's all installments have obligations met
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3960
Scenario: Verify MIR trn is processed after repayment for progressive loan with custom payment allocation rules - UC1
When Admin sets the business date to "16 August 2025"
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY | 16 August 2025 | 516.06 | 19.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 August 2025" with "516.06" amount and expected disbursement date on "16 August 2025"
And Admin successfully disburse the loan on "16 August 2025" with "516.06" EUR transaction amount
Then Loan Repayment schedule has 24 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 |
| | | 16 August 2025 | | 516.06 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 September 2025 | | 498.4 | 17.66 | 8.6 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 2 | 30 | 16 October 2025 | | 480.44 | 17.96 | 8.3 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 3 | 31 | 16 November 2025 | | 462.18 | 18.26 | 8.0 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 4 | 30 | 16 December 2025 | | 443.62 | 18.56 | 7.7 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 5 | 31 | 16 January 2026 | | 424.75 | 18.87 | 7.39 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 6 | 31 | 16 February 2026 | | 405.57 | 19.18 | 7.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 7 | 28 | 16 March 2026 | | 386.07 | 19.5 | 6.76 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 8 | 31 | 16 April 2026 | | 366.24 | 19.83 | 6.43 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 9 | 30 | 16 May 2026 | | 346.08 | 20.16 | 6.1 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 10 | 31 | 16 June 2026 | | 325.59 | 20.49 | 5.77 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 11 | 30 | 16 July 2026 | | 304.75 | 20.84 | 5.42 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 12 | 31 | 16 August 2026 | | 283.57 | 21.18 | 5.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 13 | 31 | 16 September 2026 | | 262.03 | 21.54 | 4.72 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 14 | 30 | 16 October 2026 | | 240.13 | 21.9 | 4.36 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 15 | 31 | 16 November 2026 | | 217.87 | 22.26 | 4.0 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 16 | 30 | 16 December 2026 | | 195.24 | 22.63 | 3.63 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 17 | 31 | 16 January 2027 | | 172.23 | 23.01 | 3.25 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 18 | 31 | 16 February 2027 | | 148.84 | 23.39 | 2.87 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 19 | 28 | 16 March 2027 | | 125.06 | 23.78 | 2.48 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 20 | 31 | 16 April 2027 | | 100.88 | 24.18 | 2.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 21 | 30 | 16 May 2027 | | 76.3 | 24.58 | 1.68 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 22 | 31 | 16 June 2027 | | 51.31 | 24.99 | 1.27 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 23 | 30 | 16 July 2027 | | 25.9 | 25.41 | 0.85 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 24 | 31 | 16 August 2027 | | 0.0 | 25.9 | 0.43 | 0.0 | 0.0 | 26.33 | 0.0 | 0.0 | 0.0 | 26.33 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 516.06 | 114.25 | 0.0 | 0.0 | 630.31 | 0.0 | 0.0 | 0.0 | 630.31 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
When Admin sets the business date to "08 September 2025"
And Admin makes "REPAYMENT" transaction with "AUTOPAY" payment type on "08 September 2025" with 50 EUR transaction amount
Then Loan Repayment schedule has 24 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 |
| | | 16 August 2025 | | 516.06 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 September 2025 | 08 September 2025 | 496.18 | 19.88 | 6.38 | 0.0 | 0.0 | 26.26 | 26.26 | 26.26 | 0.0 | 0.0 |
| 2 | 30 | 16 October 2025 | | 469.92 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 | 23.74 | 23.74 | 0.0 | 2.52 |
| 3 | 31 | 16 November 2025 | | 461.39 | 8.53 | 17.73 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 4 | 30 | 16 December 2025 | | 442.82 | 18.57 | 7.69 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 5 | 31 | 16 January 2026 | | 423.94 | 18.88 | 7.38 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 6 | 31 | 16 February 2026 | | 404.74 | 19.2 | 7.06 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 7 | 28 | 16 March 2026 | | 385.22 | 19.52 | 6.74 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 8 | 31 | 16 April 2026 | | 365.38 | 19.84 | 6.42 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 9 | 30 | 16 May 2026 | | 345.21 | 20.17 | 6.09 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 10 | 31 | 16 June 2026 | | 324.7 | 20.51 | 5.75 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 11 | 30 | 16 July 2026 | | 303.85 | 20.85 | 5.41 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 12 | 31 | 16 August 2026 | | 282.65 | 21.2 | 5.06 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 13 | 31 | 16 September 2026 | | 261.1 | 21.55 | 4.71 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 14 | 30 | 16 October 2026 | | 239.19 | 21.91 | 4.35 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 15 | 31 | 16 November 2026 | | 216.91 | 22.28 | 3.98 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 16 | 30 | 16 December 2026 | | 194.26 | 22.65 | 3.61 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 17 | 31 | 16 January 2027 | | 171.24 | 23.02 | 3.24 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 18 | 31 | 16 February 2027 | | 147.83 | 23.41 | 2.85 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 19 | 28 | 16 March 2027 | | 124.03 | 23.8 | 2.46 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 20 | 31 | 16 April 2027 | | 99.84 | 24.19 | 2.07 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 21 | 30 | 16 May 2027 | | 75.24 | 24.6 | 1.66 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 22 | 31 | 16 June 2027 | | 50.23 | 25.01 | 1.25 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 23 | 30 | 16 July 2027 | | 24.81 | 25.42 | 0.84 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 24 | 31 | 16 August 2027 | | 0.0 | 24.81 | 0.41 | 0.0 | 0.0 | 25.22 | 0.0 | 0.0 | 0.0 | 25.22 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 516.06 | 113.14 | 0.0 | 0.0 | 629.2 | 50.0 | 50.0 | 0.0 | 579.2 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
| 08 September 2025 | Repayment | 50.0 | 43.62 | 6.38 | 0.0 | 0.0 | 472.44 | false | false |
When Admin sets the business date to "06 October 2025"
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "06 October 2025" with 516.06 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
| 08 September 2025 | Repayment | 50.0 | 43.62 | 6.38 | 0.0 | 0.0 | 472.44 | false | false |
| 16 September 2025 | Accrual Activity | 6.38 | 0.0 | 6.38 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Merchant Issued Refund | 516.06 | 472.44 | 7.28 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Interest Refund | 13.66 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Accrual | 13.66 | 0.0 | 13.66 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Accrual Activity | 7.28 | 0.0 | 7.28 | 0.0 | 0.0 | 0.0 | false | false |
And Loan status will be "OVERPAID"
And Loan has 50 overpaid amount
When Admin makes Credit Balance Refund transaction on "06 October 2025" with 50 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4128
Scenario: Verify Payout Refund trn is processed after repayment for progressive loan with custom payment allocation rules - UC2
When Admin sets the business date to "16 August 2025"
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY | 16 August 2025 | 516.06 | 19.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 August 2025" with "516.06" amount and expected disbursement date on "16 August 2025"
And Admin successfully disburse the loan on "16 August 2025" with "516.06" EUR transaction amount
Then Loan Repayment schedule has 24 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 |
| | | 16 August 2025 | | 516.06 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 September 2025 | | 498.4 | 17.66 | 8.6 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 2 | 30 | 16 October 2025 | | 480.44 | 17.96 | 8.3 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 3 | 31 | 16 November 2025 | | 462.18 | 18.26 | 8.0 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 4 | 30 | 16 December 2025 | | 443.62 | 18.56 | 7.7 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 5 | 31 | 16 January 2026 | | 424.75 | 18.87 | 7.39 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 6 | 31 | 16 February 2026 | | 405.57 | 19.18 | 7.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 7 | 28 | 16 March 2026 | | 386.07 | 19.5 | 6.76 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 8 | 31 | 16 April 2026 | | 366.24 | 19.83 | 6.43 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 9 | 30 | 16 May 2026 | | 346.08 | 20.16 | 6.1 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 10 | 31 | 16 June 2026 | | 325.59 | 20.49 | 5.77 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 11 | 30 | 16 July 2026 | | 304.75 | 20.84 | 5.42 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 12 | 31 | 16 August 2026 | | 283.57 | 21.18 | 5.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 13 | 31 | 16 September 2026 | | 262.03 | 21.54 | 4.72 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 14 | 30 | 16 October 2026 | | 240.13 | 21.9 | 4.36 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 15 | 31 | 16 November 2026 | | 217.87 | 22.26 | 4.0 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 16 | 30 | 16 December 2026 | | 195.24 | 22.63 | 3.63 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 17 | 31 | 16 January 2027 | | 172.23 | 23.01 | 3.25 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 18 | 31 | 16 February 2027 | | 148.84 | 23.39 | 2.87 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 19 | 28 | 16 March 2027 | | 125.06 | 23.78 | 2.48 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 20 | 31 | 16 April 2027 | | 100.88 | 24.18 | 2.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 21 | 30 | 16 May 2027 | | 76.3 | 24.58 | 1.68 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 22 | 31 | 16 June 2027 | | 51.31 | 24.99 | 1.27 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 23 | 30 | 16 July 2027 | | 25.9 | 25.41 | 0.85 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 24 | 31 | 16 August 2027 | | 0.0 | 25.9 | 0.43 | 0.0 | 0.0 | 26.33 | 0.0 | 0.0 | 0.0 | 26.33 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 516.06 | 114.25 | 0.0 | 0.0 | 630.31 | 0.0 | 0.0 | 0.0 | 630.31 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
When Admin sets the business date to "08 September 2025"
And Admin makes "REPAYMENT" transaction with "AUTOPAY" payment type on "08 September 2025" with 50 EUR transaction amount
Then Loan Repayment schedule has 24 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 |
| | | 16 August 2025 | | 516.06 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 September 2025 | 08 September 2025 | 496.18 | 19.88 | 6.38 | 0.0 | 0.0 | 26.26 | 26.26 | 26.26 | 0.0 | 0.0 |
| 2 | 30 | 16 October 2025 | | 469.92 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 | 23.74 | 23.74 | 0.0 | 2.52 |
| 3 | 31 | 16 November 2025 | | 461.39 | 8.53 | 17.73 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 4 | 30 | 16 December 2025 | | 442.82 | 18.57 | 7.69 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 5 | 31 | 16 January 2026 | | 423.94 | 18.88 | 7.38 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 6 | 31 | 16 February 2026 | | 404.74 | 19.2 | 7.06 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 7 | 28 | 16 March 2026 | | 385.22 | 19.52 | 6.74 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 8 | 31 | 16 April 2026 | | 365.38 | 19.84 | 6.42 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 9 | 30 | 16 May 2026 | | 345.21 | 20.17 | 6.09 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 10 | 31 | 16 June 2026 | | 324.7 | 20.51 | 5.75 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 11 | 30 | 16 July 2026 | | 303.85 | 20.85 | 5.41 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 12 | 31 | 16 August 2026 | | 282.65 | 21.2 | 5.06 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 13 | 31 | 16 September 2026 | | 261.1 | 21.55 | 4.71 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 14 | 30 | 16 October 2026 | | 239.19 | 21.91 | 4.35 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 15 | 31 | 16 November 2026 | | 216.91 | 22.28 | 3.98 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 16 | 30 | 16 December 2026 | | 194.26 | 22.65 | 3.61 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 17 | 31 | 16 January 2027 | | 171.24 | 23.02 | 3.24 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 18 | 31 | 16 February 2027 | | 147.83 | 23.41 | 2.85 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 19 | 28 | 16 March 2027 | | 124.03 | 23.8 | 2.46 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 20 | 31 | 16 April 2027 | | 99.84 | 24.19 | 2.07 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 21 | 30 | 16 May 2027 | | 75.24 | 24.6 | 1.66 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 22 | 31 | 16 June 2027 | | 50.23 | 25.01 | 1.25 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 23 | 30 | 16 July 2027 | | 24.81 | 25.42 | 0.84 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 24 | 31 | 16 August 2027 | | 0.0 | 24.81 | 0.41 | 0.0 | 0.0 | 25.22 | 0.0 | 0.0 | 0.0 | 25.22 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 516.06 | 113.14 | 0.0 | 0.0 | 629.2 | 50.0 | 50.0 | 0.0 | 579.2 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
| 08 September 2025 | Repayment | 50.0 | 43.62 | 6.38 | 0.0 | 0.0 | 472.44 | false | false |
When Admin sets the business date to "06 October 2025"
When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "06 October 2025" with 516.06 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
| 08 September 2025 | Repayment | 50.0 | 43.62 | 6.38 | 0.0 | 0.0 | 472.44 | false | false |
| 16 September 2025 | Accrual Activity | 6.38 | 0.0 | 6.38 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Payout Refund | 516.06 | 472.44 | 7.28 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Interest Refund | 13.66 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Accrual | 13.66 | 0.0 | 13.66 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Accrual Activity | 7.28 | 0.0 | 7.28 | 0.0 | 0.0 | 0.0 | false | false |
And Loan status will be "OVERPAID"
And Loan has 50 overpaid amount
When Admin makes Credit Balance Refund transaction on "06 October 2025" with 50 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4129
Scenario: Verify Goodwill Credit trn is processed after repayment for progressive loan with custom payment allocation rules - UC3
When Admin sets the business date to "16 August 2025"
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY | 16 August 2025 | 516.06 | 19.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 August 2025" with "516.06" amount and expected disbursement date on "16 August 2025"
And Admin successfully disburse the loan on "16 August 2025" with "516.06" EUR transaction amount
Then Loan Repayment schedule has 24 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 |
| | | 16 August 2025 | | 516.06 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 September 2025 | | 498.4 | 17.66 | 8.6 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 2 | 30 | 16 October 2025 | | 480.44 | 17.96 | 8.3 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 3 | 31 | 16 November 2025 | | 462.18 | 18.26 | 8.0 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 4 | 30 | 16 December 2025 | | 443.62 | 18.56 | 7.7 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 5 | 31 | 16 January 2026 | | 424.75 | 18.87 | 7.39 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 6 | 31 | 16 February 2026 | | 405.57 | 19.18 | 7.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 7 | 28 | 16 March 2026 | | 386.07 | 19.5 | 6.76 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 8 | 31 | 16 April 2026 | | 366.24 | 19.83 | 6.43 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 9 | 30 | 16 May 2026 | | 346.08 | 20.16 | 6.1 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 10 | 31 | 16 June 2026 | | 325.59 | 20.49 | 5.77 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 11 | 30 | 16 July 2026 | | 304.75 | 20.84 | 5.42 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 12 | 31 | 16 August 2026 | | 283.57 | 21.18 | 5.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 13 | 31 | 16 September 2026 | | 262.03 | 21.54 | 4.72 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 14 | 30 | 16 October 2026 | | 240.13 | 21.9 | 4.36 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 15 | 31 | 16 November 2026 | | 217.87 | 22.26 | 4.0 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 16 | 30 | 16 December 2026 | | 195.24 | 22.63 | 3.63 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 17 | 31 | 16 January 2027 | | 172.23 | 23.01 | 3.25 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 18 | 31 | 16 February 2027 | | 148.84 | 23.39 | 2.87 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 19 | 28 | 16 March 2027 | | 125.06 | 23.78 | 2.48 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 20 | 31 | 16 April 2027 | | 100.88 | 24.18 | 2.08 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 21 | 30 | 16 May 2027 | | 76.3 | 24.58 | 1.68 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 22 | 31 | 16 June 2027 | | 51.31 | 24.99 | 1.27 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 23 | 30 | 16 July 2027 | | 25.9 | 25.41 | 0.85 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 24 | 31 | 16 August 2027 | | 0.0 | 25.9 | 0.43 | 0.0 | 0.0 | 26.33 | 0.0 | 0.0 | 0.0 | 26.33 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 516.06 | 114.25 | 0.0 | 0.0 | 630.31 | 0.0 | 0.0 | 0.0 | 630.31 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
When Admin sets the business date to "08 September 2025"
And Admin makes "REPAYMENT" transaction with "AUTOPAY" payment type on "08 September 2025" with 50 EUR transaction amount
Then Loan Repayment schedule has 24 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 |
| | | 16 August 2025 | | 516.06 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 September 2025 | 08 September 2025 | 496.18 | 19.88 | 6.38 | 0.0 | 0.0 | 26.26 | 26.26 | 26.26 | 0.0 | 0.0 |
| 2 | 30 | 16 October 2025 | | 469.92 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 | 23.74 | 23.74 | 0.0 | 2.52 |
| 3 | 31 | 16 November 2025 | | 461.39 | 8.53 | 17.73 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 4 | 30 | 16 December 2025 | | 442.82 | 18.57 | 7.69 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 5 | 31 | 16 January 2026 | | 423.94 | 18.88 | 7.38 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 6 | 31 | 16 February 2026 | | 404.74 | 19.2 | 7.06 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 7 | 28 | 16 March 2026 | | 385.22 | 19.52 | 6.74 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 8 | 31 | 16 April 2026 | | 365.38 | 19.84 | 6.42 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 9 | 30 | 16 May 2026 | | 345.21 | 20.17 | 6.09 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 10 | 31 | 16 June 2026 | | 324.7 | 20.51 | 5.75 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 11 | 30 | 16 July 2026 | | 303.85 | 20.85 | 5.41 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 12 | 31 | 16 August 2026 | | 282.65 | 21.2 | 5.06 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 13 | 31 | 16 September 2026 | | 261.1 | 21.55 | 4.71 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 14 | 30 | 16 October 2026 | | 239.19 | 21.91 | 4.35 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 15 | 31 | 16 November 2026 | | 216.91 | 22.28 | 3.98 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 16 | 30 | 16 December 2026 | | 194.26 | 22.65 | 3.61 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 17 | 31 | 16 January 2027 | | 171.24 | 23.02 | 3.24 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 18 | 31 | 16 February 2027 | | 147.83 | 23.41 | 2.85 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 19 | 28 | 16 March 2027 | | 124.03 | 23.8 | 2.46 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 20 | 31 | 16 April 2027 | | 99.84 | 24.19 | 2.07 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 21 | 30 | 16 May 2027 | | 75.24 | 24.6 | 1.66 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 22 | 31 | 16 June 2027 | | 50.23 | 25.01 | 1.25 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 23 | 30 | 16 July 2027 | | 24.81 | 25.42 | 0.84 | 0.0 | 0.0 | 26.26 | 0.0 | 0.0 | 0.0 | 26.26 |
| 24 | 31 | 16 August 2027 | | 0.0 | 24.81 | 0.41 | 0.0 | 0.0 | 25.22 | 0.0 | 0.0 | 0.0 | 25.22 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 516.06 | 113.14 | 0.0 | 0.0 | 629.2 | 50.0 | 50.0 | 0.0 | 579.2 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
| 08 September 2025 | Repayment | 50.0 | 43.62 | 6.38 | 0.0 | 0.0 | 472.44 | false | false |
When Admin sets the business date to "06 October 2025"
When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "06 October 2025" with 516.06 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 August 2025 | Disbursement | 516.06 | 0.0 | 0.0 | 0.0 | 0.0 | 516.06 | false | false |
| 08 September 2025 | Repayment | 50.0 | 43.62 | 6.38 | 0.0 | 0.0 | 472.44 | false | false |
| 16 September 2025 | Accrual Activity | 6.38 | 0.0 | 6.38 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Goodwill Credit | 516.06 | 472.44 | 7.28 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Accrual | 13.66 | 0.0 | 13.66 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2025 | Accrual Activity | 7.28 | 0.0 | 7.28 | 0.0 | 0.0 | 0.0 | false | false |
And Loan status will be "OVERPAID"
And Loan has 36.34 overpaid amount
When Admin makes Credit Balance Refund transaction on "06 October 2025" with 36.34 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met