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FINERACT-2286: Make configurable the outstanding interest strategy during asset owner transfer

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Adam Saghy
2025-05-22 13:27:36 +02:00
parent a3a5aabb7f
commit 18a55874ba
28 changed files with 517 additions and 59 deletions
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fineract-e2e-tests-runner/src/test/resources/features/AssetExternalization.feature
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@@ -1679,3 +1679,100 @@ Feature: Asset Externalization
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
@TestRailId:C3690 @AssetExternalizationJournalEntry
Scenario: Verify that Asset externalization SALES and BUYBACK has the correct Journal entries with PAYABLE_OUTSTANDING_INTEREST strategy
When Global config "outstanding-interest-calculation-strategy-for-external-asset-transfer" value set to "PAYABLE_OUTSTANDING_INTEREST"
When Admin sets the business date to "1 May 2023"
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_ACTUAL_ACTUAL | 01 May 2023 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 May 2023" with "1000" amount and expected disbursement date on "1 May 2023"
When Admin successfully disburse the loan on "1 May 2023" with "1000" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin makes asset externalization request by Loan ID with unique ownerExternalId, system-generated transferExternalId and the following data:
| Transaction type | settlementDate | purchasePriceRatio |
| sale | 2023-05-21 | 1 |
Then Asset externalization response has the correct Loan ID, transferExternalId
Then Fetching Asset externalization details by loan id gives numberOfElements: 1 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | totalOutstanding | totalPrincipalOutstanding | totalInterestOutstanding | totalFeeChargesOutstanding | totalPenaltyChargesOutstanding |
| 2023-05-21 | 1 | PENDING | 2023-05-01 | 9999-12-31 | SALE | | | | | |
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "10 May 2023" due date and 10 EUR transaction amount
When Admin sets the business date to "10 May 2023"
When Admin runs inline COB job for Loan
When Admin sets the business date to "22 May 2023"
When Admin runs inline COB job for Loan
Then LoanOwnershipTransferBusinessEvent is created
Then LoanAccountSnapshotBusinessEvent is created
Then Fetching Asset externalization details by loan id gives numberOfElements: 2 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | totalOutstanding | totalPrincipalOutstanding | totalInterestOutstanding | totalFeeChargesOutstanding | totalPenaltyChargesOutstanding |
| 2023-05-21 | 1 | PENDING | 2023-05-01 | 2023-05-21 | SALE | | | | | |
| 2023-05-21 | 1 | ACTIVE | 2023-05-22 | 9999-12-31 | SALE | 1016.58 | 1000.00 | 6.58 | 10.00 | 0.00 |
Then The latest asset externalization transaction with "ACTIVE" status has the following TRANSFER Journal entries:
| glAccountType | glAccountCode | glAccountName | entryType | amount |
| ASSET | 112601 | Loans Receivable | CREDIT | 1000.00 |
| ASSET | 112603 | Interest/Fee Receivable | CREDIT | 16.58 |
| ASSET | 146000 | Asset transfer | DEBIT | 1016.58 |
| ASSET | 112601 | Loans Receivable | DEBIT | 1000.00 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 16.58 |
| ASSET | 146000 | Asset transfer | CREDIT | 1016.58 |
Then The asset external owner has the following OWNER Journal entries:
| glAccountType | glAccountCode | glAccountName | entryType | amount |
| ASSET | 112601 | Loans Receivable | DEBIT | 1000.00 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 16.58 |
When Admin makes asset externalization request by Loan ID with unique ownerExternalId, system-generated transferExternalId and the following data:
| Transaction type | settlementDate | purchasePriceRatio |
| buyback | 2023-05-30 | |
Then Fetching Asset externalization details by loan id gives numberOfElements: 3 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | totalOutstanding | totalPrincipalOutstanding | totalInterestOutstanding | totalFeeChargesOutstanding | totalPenaltyChargesOutstanding |
| 2023-05-21 | 1 | PENDING | 2023-05-01 | 2023-05-21 | SALE | | | | | |
| 2023-05-21 | 1 | ACTIVE | 2023-05-22 | 9999-12-31 | SALE | 1016.58 | 1000.00 | 6.58 | 10.00 | 0.00 |
| 2023-05-30 | 1 | BUYBACK | 2023-05-22 | 9999-12-31 | BUYBACK | | | | | |
When Admin adds "LOAN_NSF_FEE" due date charge with "25 May 2023" due date and 20 EUR transaction amount
When Admin sets the business date to "26 May 2023"
When Admin runs inline COB job for Loan
When Admin sets the business date to "31 May 2023"
When Admin runs inline COB job for Loan
Then LoanOwnershipTransferBusinessEvent is created
Then LoanAccountSnapshotBusinessEvent is created
Then Fetching Asset externalization details by loan id gives numberOfElements: 3 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | totalOutstanding | totalPrincipalOutstanding | totalInterestOutstanding | totalFeeChargesOutstanding | totalPenaltyChargesOutstanding |
| 2023-05-21 | 1 | PENDING | 2023-05-01 | 2023-05-21 | SALE | | | | | |
| 2023-05-21 | 1 | ACTIVE | 2023-05-22 | 2023-05-30 | SALE | 1016.58 | 1000.00 | 6.58 | 10.00 | 0.00 |
| 2023-05-30 | 1 | BUYBACK | 2023-05-22 | 2023-05-30 | BUYBACK | 1039.53 | 1000.00 | 9.53 | 10.00 | 20.00 |
Then The latest asset externalization transaction with "BUYBACK" status has the following TRANSFER Journal entries:
| glAccountType | glAccountCode | glAccountName | entryType | amount |
| ASSET | 112601 | Loans Receivable | DEBIT | 1000.00 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 39.53 |
| ASSET | 146000 | Asset transfer | CREDIT | 1039.53 |
| ASSET | 112601 | Loans Receivable | CREDIT | 1000.00 |
| ASSET | 112603 | Interest/Fee Receivable | CREDIT | 39.53 |
| ASSET | 146000 | Asset transfer | DEBIT | 1039.53 |
Then The asset external owner has the following OWNER Journal entries:
| glAccountType | glAccountCode | glAccountName | entryType | amount |
| ASSET | 112601 | Loans Receivable | DEBIT | 1000.00 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 16.58 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
| ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.33 |
| INCOME | 404000 | Interest Income | CREDIT | 0.33 |
When Global config "outstanding-interest-calculation-strategy-for-external-asset-transfer" value set to "TOTAL_OUTSTANDING_INTEREST"