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FINERACT-2354: Re-aging: Repayment schedule handling in case of overlapping Interest pause

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mariiaKraievska
2025-12-16 12:43:01 +01:00
committed by Adam Saghy
parent f8c5122921
commit 1a6975c930
2 changed files with 216 additions and 33 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature
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@@ -7798,8 +7798,7 @@ Then Loan Repayment schedule has 4 periods, with the following data for periods:
When Loan Pay-off is made on "15 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
# TODO check and unSkip when PS-2934 is done
@Skip @TestRailId:C4275
@TestRailId:C4275
Scenario: Verify Re-aging with interest pause: UC3: Interest handling: DEFAULT, interest pause overlapping re-aging
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
@@ -7880,7 +7879,6 @@ Then Loan Repayment schedule has 4 periods, with the following data for periods:
| 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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
#TODO check interests
# --- Re-age transaction ---
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
@@ -7891,20 +7889,20 @@ Then Loan Repayment schedule has 4 periods, with the following data for periods:
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
| 5 | 30 | 01 May 2024 | | 56.04 | 13.8 | 0.41 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
| 6 | 31 | 01 June 2024 | | 42.16 | 13.88 | 0.33 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
| 7 | 30 | 01 July 2024 | | 28.2 | 13.96 | 0.25 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
| 8 | 31 | 01 August 2024 | | 14.15 | 14.05 | 0.16 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
| 9 | 31 | 01 September 2024 | | 0.0 | 14.15 | 0.08 | 0.0 | 0.0 | 14.23 | 0.0 | 0.0 | 0.0 | 14.23 |
| 4 | 17 | 01 April 2024 | | 69.5 | 14.07 | 0.13 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 5 | 30 | 01 May 2024 | | 55.3 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 6 | 31 | 01 June 2024 | | 41.33 | 13.97 | 0.23 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 7 | 30 | 01 July 2024 | | 27.37 | 13.96 | 0.24 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 8 | 31 | 01 August 2024 | | 13.33 | 14.04 | 0.16 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 9 | 31 | 01 September 2024 | | 0.0 | 13.33 | 0.08 | 0.0 | 0.0 | 13.41 | 0.0 | 0.0 | 0.0 | 13.41 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 17.01 | 0.0 | 0.0 | 85.28 |
| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 17.01 | 0.0 | 0.0 | 84.41 |
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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
| 15 March 2024 | Re-age | 83.7 | 83.57 | 0.13 | 0.0 | 0.0 | 0.0 | false | false |
# --- Close loan ---
When Loan Pay-off is made on "15 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -8245,8 +8243,7 @@ Then Loan Repayment schedule has 4 periods, with the following data for periods:
When Loan Pay-off is made on "01 July 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
# TODO check and unSkip when PS-2934 is done
@Skip @TestRailId:C4281
@TestRailId:C4281
Scenario: Verify Re-aging with interest pause: UC6: Interest handling: DEFAULT, backdated interest pause created after re-aging, overlapping (start date before re-aging, end date after re-aging)
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
@@ -8335,31 +8332,185 @@ Then Loan Repayment schedule has 4 periods, with the following data for periods:
# --- Interest pause ---
When Admin sets the business date to "01 July 2024"
And Create an interest pause period with start date "10 February 2024" and end date "10 June 2024"
# TODO check interests
Then Loan Repayment schedule has 9 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
| 5 | 30 | 01 May 2024 | | 56.08 | 14.17 | 0.13 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
| 6 | 31 | 01 June 2024 | | 41.78 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
| 7 | 30 | 01 July 2024 | | 27.82 | 13.96 | 0.34 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
| 8 | 31 | 01 August 2024 | | 13.68 | 14.14 | 0.16 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
| 9 | 31 | 01 September 2024 | | 0.0 | 13.68 | 0.08 | 0.0 | 0.0 | 13.76 | 0.0 | 0.0 | 0.0 | 13.76 |
| 4 | 17 | 01 April 2024 | | 69.5 | 14.07 | 0.13 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 5 | 30 | 01 May 2024 | | 55.3 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 6 | 31 | 01 June 2024 | | 41.1 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 7 | 30 | 01 July 2024 | | 27.24 | 13.86 | 0.34 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 8 | 31 | 01 August 2024 | | 13.2 | 14.04 | 0.16 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
| 9 | 31 | 01 September 2024 | | 0.0 | 13.2 | 0.08 | 0.0 | 0.0 | 13.28 | 0.0 | 0.0 | 0.0 | 13.28 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.27 | 0.0 | 0.0 | 102.27 | 17.01 | 0.0 | 0.0 | 85.26 |
| 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 |
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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
| 15 March 2024 | Re-age | 83.7 | 83.57 | 0.13 | 0.0 | 0.0 | 0.0 | false | true |
# --- Close loan ---
When Loan Pay-off is made on "01 July 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4282
Scenario: Verify Re-aging with interest pause: UC7: Interest handling: EQUAL_AMORTIZATION_PAYABLE_INTEREST, multiple pauses, early repayment, mid-pause repayment
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | 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 "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 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 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 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
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 |
# --- First installment paid - early repayment---
When Admin sets the business date to "14 January 2024"
And Customer makes "AUTOPAY" repayment on "14 January 2024" with 17.01 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 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.0 | 16.23 | 0.78 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.85 | 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 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.01 | 17.01 | 0.0 | 84.99 |
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 |
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
# --- Interest pause ---
And Create an interest pause period with start date "15 January 2024" and end date "10 March 2024"
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 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.22 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 49.48 | 16.74 | 0.27 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 32.76 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 15.94 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 15.94 | 0.09 | 0.0 | 0.0 | 16.03 | 0.0 | 0.0 | 0.0 | 16.03 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 17.01 | 17.01 | 0.0 | 84.07 |
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 |
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
# --- Check before re-age ---
When Admin sets the business date to "15 March 2024"
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 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.22 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 49.48 | 16.74 | 0.27 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 32.76 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 15.94 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 15.94 | 0.09 | 0.0 | 0.0 | 16.03 | 0.0 | 0.0 | 0.0 | 16.03 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 17.01 | 17.01 | 0.0 | 84.07 |
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 |
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
# --- Re-age transaction ---
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
| 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST |
Then Loan Repayment schedule has 9 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.23 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.23 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 17 | 01 April 2024 | | 69.36 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 5 | 30 | 01 May 2024 | | 55.49 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 6 | 31 | 01 June 2024 | | 41.62 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 7 | 30 | 01 July 2024 | | 27.75 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 8 | 31 | 01 August 2024 | | 13.88 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 9 | 31 | 01 September 2024 | | 0.0 | 13.88 | 0.03 | 0.0 | 0.0 | 13.91 | 0.0 | 0.0 | 0.0 | 13.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.32 | 0.0 | 0.0 | 100.32 | 17.01 | 17.01 | 0.0 | 83.31 |
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 |
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
| 15 March 2024 | Re-age | 83.31 | 83.23 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
# --- 2nd Interest pause ---
When Admin sets the business date to "02 April 2024"
And Create an interest pause period with start date "10 April 2024" and end date "10 June 2024"
Then Loan Repayment schedule has 9 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.23 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.23 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 17 | 01 April 2024 | | 69.36 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 5 | 30 | 01 May 2024 | | 55.49 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 6 | 31 | 01 June 2024 | | 41.62 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 7 | 30 | 01 July 2024 | | 27.75 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 8 | 31 | 01 August 2024 | | 13.88 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 9 | 31 | 01 September 2024 | | 0.0 | 13.88 | 0.03 | 0.0 | 0.0 | 13.91 | 0.0 | 0.0 | 0.0 | 13.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.32 | 0.0 | 0.0 | 100.32 | 17.01 | 17.01 | 0.0 | 83.31 |
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 |
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
| 15 March 2024 | Re-age | 83.31 | 83.23 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
# --- Mid-pause repayment ---
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 9 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.23 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.23 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 17 | 01 April 2024 | 01 May 2024 | 69.36 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 13.88 | 0.0 | 13.88| 0.0 |
| 5 | 30 | 01 May 2024 | | 55.49 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 3.13 | 0.0 | 0.0 | 10.75 |
| 6 | 31 | 01 June 2024 | | 41.62 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 7 | 30 | 01 July 2024 | | 27.75 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 8 | 31 | 01 August 2024 | | 13.88 | 13.87 | 0.01 | 0.0 | 0.0 | 13.88 | 0.0 | 0.0 | 0.0 | 13.88 |
| 9 | 31 | 01 September 2024 | | 0.0 | 13.88 | 0.03 | 0.0 | 0.0 | 13.91 | 0.0 | 0.0 | 0.0 | 13.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.32 | 0.0 | 0.0 | 100.32 | 34.02 | 17.01 | 13.88 | 66.3 |
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 |
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
| 15 March 2024 | Re-age | 83.31 | 83.23 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.99 | 0.02 | 0.0 | 0.0 | 66.24 | false | false |
# --- Close loan ---
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:C4283
Scenario: Verify Re-aging with interest pause: UC8: Interest handling: DEFAULT, interest pause, fee, payout refund, CBR
When Admin sets the business date to "01 January 2024"
@@ -8666,22 +8817,22 @@ Then Loan Repayment schedule has 4 periods, with the following data for periods:
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 69.98 | 13.59 | 0.62 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
| 4 | 30 | 01 May 2024 | | 55.87 | 14.11 | 0.13 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 5 | 31 | 01 June 2024 | | 41.63 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 6 | 30 | 01 July 2024 | | 27.39 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 7 | 31 | 01 August 2024 | | 13.26 | 14.13 | 0.11 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 8 | 31 | 01 September 2024 | | 0.0 | 13.26 | 0.08 | 0.0 | 0.0 | 13.34 | 0.0 | 0.0 | 0.0 | 13.34 |
| 3 | 31 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
| 4 | 30 | 01 May 2024 | | 55.73 | 14.11 | 0.13 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 5 | 31 | 01 June 2024 | | 41.49 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 6 | 30 | 01 July 2024 | | 27.25 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 7 | 31 | 01 August 2024 | | 13.12 | 14.13 | 0.11 | 0.0 | 0.0 | 14.24 | 0.0 | 0.0 | 0.0 | 14.24 |
| 8 | 31 | 01 September 2024 | | 0.0 | 13.12 | 0.08 | 0.0 | 0.0 | 13.2 | 0.0 | 0.0 | 0.0 | 13.2 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.52 | 0.0 | 0.0 | 101.52 | 17.01 | 0.0 | 0.0 | 84.51 |
| 100.0 | 1.38 | 0.0 | 0.0 | 101.38 | 17.01 | 0.0 | 0.0 | 84.37 |
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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-age | 83.7 | 83.57 | 0.13 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2024 | Accrual | 1.33 | 0.0 | 1.33 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Charge-off | 84.51 | 83.57 | 0.94 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Accrual | 1.19 | 0.0 | 1.19 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Charge-off | 84.37 | 83.57 | 0.8 | 0.0 | 0.0 | 0.0 | false | false |
# --- Charge-off undo ---
When Admin sets the business date to "16 April 2024"
And Admin does a charge-off undo the loan
@@ -8705,8 +8856,8 @@ Then Loan Repayment schedule has 4 periods, with the following data for periods:
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2024 | Accrual | 1.33 | 0.0 | 1.33 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Charge-off | 84.51 | 83.57 | 0.94 | 0.0 | 0.0 | 0.0 | true | false |
| 15 April 2024 | Accrual | 1.19 | 0.0 | 1.19 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Charge-off | 84.37 | 83.57 | 0.8 | 0.0 | 0.0 | 0.0 | true | false |
# --- Close loan ---
When Loan Pay-off is made on "16 April 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
+32
View File
@@ -3190,6 +3190,38 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
loanChargeRepaymentScheduleProcessing.reprocess(ctx.getCurrency(), loanTransaction.getLoan().getDisbursementDate(),
installments, loanCharge);
}
reApplyInterestPauseOnReAgedInstallments(loanTransaction, ctx, reAgePeriodStartDate, installments);
}
private void reApplyInterestPauseOnReAgedInstallments(final LoanTransaction loanTransaction, final ProgressiveTransactionCtx ctx,
final LocalDate reAgePeriodStartDate, final List<LoanRepaymentScheduleInstallment> installments) {
final List<LoanRepaymentScheduleInstallment> reAgedInstallments = installments.stream()
.filter(LoanRepaymentScheduleInstallment::isReAged).toList();
if (!reAgedInstallments.isEmpty()) {
final LocalDate reAgeEndDate = reAgedInstallments.getLast().getDueDate();
final List<LoanTermVariationsData> loanTermVariationsToReprocess = loanTransaction.getLoan().getActiveLoanTermVariations()
.stream().filter(ltv -> {
if (!ltv.getTermType().isInterestPauseVariation()) {
return false;
}
final LocalDate termFromFrom = ltv.getTermApplicableFrom();
final LocalDate termEndFrom = ltv.getDateValue();
if (termEndFrom == null) {
return !termFromFrom.isBefore(reAgePeriodStartDate) && termFromFrom.isBefore(reAgeEndDate);
}
return (!termFromFrom.isAfter(reAgePeriodStartDate) && !termEndFrom.isBefore(reAgePeriodStartDate))
|| (termFromFrom.isAfter(reAgePeriodStartDate) && termFromFrom.isBefore(reAgeEndDate));
}).map(LoanTermVariations::toData).collect(Collectors.toCollection(ArrayList::new));
for (LoanTermVariationsData termVariationsData : loanTermVariationsToReprocess) {
processLoanTermVariation(installments, termVariationsData, ctx.getModel());
}
}
}
/**