FINERACT-2311: Loan product - Buy down fees configuration

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanAccountData.java

@@ -174,6 +174,9 @@ public class LoanAccountData {
     private List<StringEnumOptionData> capitalizedIncomeCalculationTypeOptions;
     private List<StringEnumOptionData> capitalizedIncomeStrategyOptions;
     private List<StringEnumOptionData> capitalizedIncomeTypeOptions;
+    private List<StringEnumOptionData> buyDownFeeCalculationTypeOptions;
+    private List<StringEnumOptionData> buyDownFeeStrategyOptions;
+    private List<StringEnumOptionData> buyDownFeeIncomeTypeOptions;
 
     @Transient
     private BigDecimal feeChargesAtDisbursementCharged;
@@ -281,6 +284,11 @@ public class LoanAccountData {
     private StringEnumOptionData capitalizedIncomeStrategy;
     private StringEnumOptionData capitalizedIncomeType;
 
+    private Boolean enableBuyDownFee;
+    private StringEnumOptionData buyDownFeeCalculationType;
+    private StringEnumOptionData buyDownFeeStrategy;
+    private StringEnumOptionData buyDownFeeIncomeType;
+
     public static LoanAccountData importInstanceIndividual(EnumOptionData loanTypeEnumOption, Long clientId, Long productId,
             Long loanOfficerId, LocalDate submittedOnDate, Long fundId, BigDecimal principal, Integer numberOfRepayments,
             Integer repaymentEvery, EnumOptionData repaidEveryFrequencyEnums, Integer loanTermFrequency,
@@ -473,7 +481,9 @@ public class LoanAccountData {
             final EnumOptionData loanScheduleProcessingType, final Integer fixedLength, final StringEnumOptionData chargeOffBehaviour,
             final boolean isInterestRecognitionOnDisbursementDate, final StringEnumOptionData daysInYearCustomStrategy,
             final boolean enableIncomeCapitalization, final StringEnumOptionData capitalizedIncomeCalculationType,
-            final StringEnumOptionData capitalizedIncomeStrategy, StringEnumOptionData capitalizedIncomeType) {
+            final StringEnumOptionData capitalizedIncomeStrategy, StringEnumOptionData capitalizedIncomeType,
+            final boolean enableBuyDownFee, final StringEnumOptionData buyDownFeeCalculationType,
+            final StringEnumOptionData buyDownFeeStrategy, final StringEnumOptionData buyDownFeeIncomeType) {
 
         final CollectionData delinquent = CollectionData.template();
 
@@ -521,7 +531,9 @@ public class LoanAccountData {
                 .setChargeOffBehaviour(chargeOffBehaviour).setInterestRecognitionOnDisbursementDate(isInterestRecognitionOnDisbursementDate)
                 .setDaysInYearCustomStrategy(daysInYearCustomStrategy).setEnableIncomeCapitalization(enableIncomeCapitalization)
                 .setCapitalizedIncomeCalculationType(capitalizedIncomeCalculationType)
-                .setCapitalizedIncomeStrategy(capitalizedIncomeStrategy).setCapitalizedIncomeType(capitalizedIncomeType);
+                .setCapitalizedIncomeStrategy(capitalizedIncomeStrategy).setCapitalizedIncomeType(capitalizedIncomeType)
+                .setEnableBuyDownFee(enableBuyDownFee).setBuyDownFeeCalculationType(buyDownFeeCalculationType)
+                .setBuyDownFeeStrategy(buyDownFeeStrategy).setBuyDownFeeIncomeType(buyDownFeeIncomeType);
     }
 
     /*
@@ -550,7 +562,9 @@ public class LoanAccountData {
             final List<StringEnumOptionData> daysInYearCustomStrategyOptions,
             final List<StringEnumOptionData> capitalizedIncomeCalculationTypeOptions,
             final List<StringEnumOptionData> capitalizedIncomeStrategyOptions,
-            final List<StringEnumOptionData> capitalizedIncomeTypeOptions) {
+            final List<StringEnumOptionData> capitalizedIncomeTypeOptions,
+            final List<StringEnumOptionData> buyDownFeeCalculationTypeOptions, final List<StringEnumOptionData> buyDownFeeStrategyOptions,
+            final List<StringEnumOptionData> buyDownFeeIncomeTypeOptions) {
 
         // TODO: why are these variables 'calendarData', 'chargeTemplate' never used (see original private constructor)
 
@@ -574,7 +588,9 @@ public class LoanAccountData {
                 .setDaysInYearCustomStrategyOptions(daysInYearCustomStrategyOptions)
                 .setCapitalizedIncomeCalculationTypeOptions(capitalizedIncomeCalculationTypeOptions)
                 .setCapitalizedIncomeStrategyOptions(capitalizedIncomeStrategyOptions)
-                .setCapitalizedIncomeTypeOptions(capitalizedIncomeTypeOptions);
+                .setCapitalizedIncomeTypeOptions(capitalizedIncomeTypeOptions)
+                .setBuyDownFeeCalculationTypeOptions(buyDownFeeCalculationTypeOptions)
+                .setBuyDownFeeStrategyOptions(buyDownFeeStrategyOptions).setBuyDownFeeIncomeTypeOptions(buyDownFeeIncomeTypeOptions);
     }
 
     public LoanAccountData associationsAndTemplate(final Collection<LoanProductData> productOptions,

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanBuyDownFeeCalculationType.java

@@ -0,0 +1,33 @@
+/**
+ * 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.domain;
+
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.ApiFacingEnum;
+
+@Getter
+@RequiredArgsConstructor
+public enum LoanBuyDownFeeCalculationType implements ApiFacingEnum<LoanBuyDownFeeCalculationType> {
+
+    FLAT("loanBuyDownFeeCalculationType.flat", "Flat");
+
+    private final String code;
+    private final String humanReadableName;
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanBuyDownFeeIncomeType.java

@@ -0,0 +1,34 @@
+/**
+ * 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.domain;
+
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.ApiFacingEnum;
+
+@Getter
+@RequiredArgsConstructor
+public enum LoanBuyDownFeeIncomeType implements ApiFacingEnum<LoanBuyDownFeeIncomeType> {
+
+    FEE("buyDownFee.incomeType.fee", "Fee"), //
+    INTEREST("buyDownFee.incomeType.interest", "Interest"); //
+
+    private final String code;
+    private final String humanReadableName;
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanBuyDownFeeStrategy.java

@@ -0,0 +1,33 @@
+/**
+ * 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.domain;
+
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.ApiFacingEnum;
+
+@Getter
+@RequiredArgsConstructor
+public enum LoanBuyDownFeeStrategy implements ApiFacingEnum<LoanBuyDownFeeStrategy> {
+
+    EQUAL_AMORTIZATION("buyDownFee.strategy.equalAmortization", "Equal amortization");
+
+    private final String code;
+    private final String humanReadableName;
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/LoanApplicationTerms.java

@@ -46,6 +46,9 @@ import org.apache.fineract.portfolio.loanaccount.data.DisbursementData;
 import org.apache.fineract.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.apache.fineract.portfolio.loanaccount.data.LoanTermVariationsData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanTermVariationsDataWrapper;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeCalculationType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeIncomeType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeCalculationType;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeType;
@@ -239,6 +242,10 @@ public final class LoanApplicationTerms {
     private LoanCapitalizedIncomeCalculationType capitalizedIncomeCalculationType;
     private LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy;
     private LoanCapitalizedIncomeType capitalizedIncomeType;
+    private boolean enableBuyDownFee;
+    private LoanBuyDownFeeCalculationType buyDownFeeCalculationType;
+    private LoanBuyDownFeeStrategy buyDownFeeStrategy;
+    private LoanBuyDownFeeIncomeType buyDownFeeIncomeType;
 
     private LoanApplicationTerms(Builder builder) {
         this.currency = builder.currency;
@@ -279,6 +286,10 @@ public final class LoanApplicationTerms {
         this.capitalizedIncomeCalculationType = builder.capitalizedIncomeCalculationType;
         this.capitalizedIncomeStrategy = builder.capitalizedIncomeStrategy;
         this.capitalizedIncomeType = builder.capitalizedIncomeType;
+        this.enableBuyDownFee = builder.enableBuyDownFee;
+        this.buyDownFeeCalculationType = builder.buyDownFeeCalculationType;
+        this.buyDownFeeStrategy = builder.buyDownFeeStrategy;
+        this.buyDownFeeIncomeType = builder.buyDownFeeIncomeType;
     }
 
     public static class Builder {
@@ -312,6 +323,10 @@ public final class LoanApplicationTerms {
         private LoanCapitalizedIncomeCalculationType capitalizedIncomeCalculationType;
         private LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy;
         private LoanCapitalizedIncomeType capitalizedIncomeType;
+        private boolean enableBuyDownFee;
+        private LoanBuyDownFeeCalculationType buyDownFeeCalculationType;
+        private LoanBuyDownFeeStrategy buyDownFeeStrategy;
+        private LoanBuyDownFeeIncomeType buyDownFeeIncomeType;
 
         public Builder currency(CurrencyData currency) {
             this.currency = currency;
@@ -448,6 +463,26 @@ public final class LoanApplicationTerms {
             return this;
         }
 
+        public Builder enableBuyDownFee(boolean value) {
+            this.enableBuyDownFee = value;
+            return this;
+        }
+
+        public Builder buyDownFeeCalculationType(LoanBuyDownFeeCalculationType value) {
+            this.buyDownFeeCalculationType = value;
+            return this;
+        }
+
+        public Builder buyDownFeeStrategy(LoanBuyDownFeeStrategy value) {
+            this.buyDownFeeStrategy = value;
+            return this;
+        }
+
+        public Builder buyDownFeeIncomeType(LoanBuyDownFeeIncomeType value) {
+            this.buyDownFeeIncomeType = value;
+            return this;
+        }
+
         public LoanApplicationTerms build() {
             return new LoanApplicationTerms(this);
         }
@@ -517,7 +552,9 @@ public final class LoanApplicationTerms {
             final LoanChargeOffBehaviour chargeOffBehaviour, final boolean interestRecognitionOnDisbursementDate,
             final DaysInYearCustomStrategyType daysInYearCustomStrategy, final boolean enableIncomeCapitalization,
             final LoanCapitalizedIncomeCalculationType capitalizedIncomeCalculationType,
-            final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType) {
+            final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType,
+            final boolean enableBuyDownFee, final LoanBuyDownFeeCalculationType buyDownFeeCalculationType,
+            final LoanBuyDownFeeStrategy buyDownFeeStrategy, final LoanBuyDownFeeIncomeType buyDownFeeIncomeType) {
 
         final LoanRescheduleStrategyMethod rescheduleStrategyMethod = null;
         final CalendarHistoryDataWrapper calendarHistoryDataWrapper = null;
@@ -538,7 +575,8 @@ public final class LoanApplicationTerms {
                 isAutoRepaymentForDownPaymentEnabled, repaymentStartDateType, submittedOnDate, loanScheduleType, loanScheduleProcessingType,
                 fixedLength, enableAccrualActivityPosting, supportedInterestRefundTypes, chargeOffBehaviour,
                 interestRecognitionOnDisbursementDate, daysInYearCustomStrategy, enableIncomeCapitalization,
-                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType);
+                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, enableBuyDownFee,
+                buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
 
     }
 
@@ -614,7 +652,9 @@ public final class LoanApplicationTerms {
                 loanProductRelatedDetail.getSupportedInterestRefundTypes(), loanProductRelatedDetail.getChargeOffBehaviour(),
                 loanProductRelatedDetail.isInterestRecognitionOnDisbursementDate(), loanProductRelatedDetail.getDaysInYearCustomStrategy(),
                 loanProductRelatedDetail.isEnableIncomeCapitalization(), loanProductRelatedDetail.getCapitalizedIncomeCalculationType(),
-                loanProductRelatedDetail.getCapitalizedIncomeStrategy(), loanProductRelatedDetail.getCapitalizedIncomeType());
+                loanProductRelatedDetail.getCapitalizedIncomeStrategy(), loanProductRelatedDetail.getCapitalizedIncomeType(),
+                loanProductRelatedDetail.isEnableBuyDownFee(), loanProductRelatedDetail.getBuyDownFeeCalculationType(),
+                loanProductRelatedDetail.getBuyDownFeeStrategy(), loanProductRelatedDetail.getBuyDownFeeIncomeType());
     }
 
     private LoanApplicationTerms(final CurrencyData currency, final Integer loanTermFrequency,
@@ -647,7 +687,9 @@ public final class LoanApplicationTerms {
             final List<LoanSupportedInterestRefundTypes> supportedInterestRefundTypes, final LoanChargeOffBehaviour chargeOffBehaviour,
             final boolean interestRecognitionOnDisbursementDate, final DaysInYearCustomStrategyType daysInYearCustomStrategy,
             final boolean enableIncomeCapitalization, final LoanCapitalizedIncomeCalculationType capitalizedIncomeCalculationType,
-            final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType) {
+            final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType,
+            final boolean enableBuyDownFee, final LoanBuyDownFeeCalculationType buyDownFeeCalculationType,
+            final LoanBuyDownFeeStrategy buyDownFeeStrategy, final LoanBuyDownFeeIncomeType buyDownFeeIncomeType) {
 
         this.currency = currency;
         this.loanTermFrequency = loanTermFrequency;
@@ -753,6 +795,10 @@ public final class LoanApplicationTerms {
         this.capitalizedIncomeCalculationType = capitalizedIncomeCalculationType;
         this.capitalizedIncomeStrategy = capitalizedIncomeStrategy;
         this.capitalizedIncomeType = capitalizedIncomeType;
+        this.enableBuyDownFee = enableBuyDownFee;
+        this.buyDownFeeCalculationType = buyDownFeeCalculationType;
+        this.buyDownFeeStrategy = buyDownFeeStrategy;
+        this.buyDownFeeIncomeType = buyDownFeeIncomeType;
     }
 
     public Money adjustPrincipalIfLastRepaymentPeriod(final Money principalForPeriod, final Money totalCumulativePrincipalToDate,
@@ -1616,7 +1662,8 @@ public final class LoanApplicationTerms {
                 this.loanScheduleProcessingType, this.fixedLength, this.enableAccrualActivityPosting, this.supportedInterestRefundTypes,
                 this.chargeOffBehaviour, this.interestRecognitionOnDisbursementDate, this.daysInYearCustomStrategy,
                 this.enableIncomeCapitalization, this.capitalizedIncomeCalculationType, this.capitalizedIncomeStrategy,
-                this.capitalizedIncomeType, this.installmentAmountInMultiplesOf);
+                this.capitalizedIncomeType, this.installmentAmountInMultiplesOf, this.enableBuyDownFee, this.buyDownFeeCalculationType,
+                this.buyDownFeeStrategy, this.buyDownFeeIncomeType);
     }
 
     public LoanProductMinimumRepaymentScheduleRelatedDetail toLoanProductRelatedDetailMinimumData() {

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/LoanProductConstants.java

@@ -177,4 +177,10 @@ public interface LoanProductConstants {
     String CAPITALIZED_INCOME_CALCULATION_TYPE_PARAM_NAME = "capitalizedIncomeCalculationType";
     String CAPITALIZED_INCOME_STRATEGY_PARAM_NAME = "capitalizedIncomeStrategy";
     String CAPITALIZED_INCOME_TYPE_PARAM_NAME = "capitalizedIncomeType";
+
+    // Buy down fee
+    String ENABLE_BUY_DOWN_FEE_PARAM_NAME = "enableBuyDownFee";
+    String BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME = "buyDownFeeCalculationType";
+    String BUY_DOWN_FEE_STRATEGY_PARAM_NAME = "buyDownFeeStrategy";
+    String BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME = "buyDownFeeIncomeType";
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/api/LoanProductsApiResourceSwagger.java

@@ -203,6 +203,14 @@ public final class LoanProductsApiResourceSwagger {
         public String capitalizedIncomeStrategy;
         @Schema(example = "FEE", allowableValues = { "FEE", "INTEREST" })
         public String capitalizedIncomeType;
+        @Schema(example = "false")
+        public Boolean enableBuyDownFee;
+        @Schema(example = "FLAT", allowableValues = "FLAT")
+        public String buyDownFeeCalculationType;
+        @Schema(example = "EQUAL_AMORTIZATION", allowableValues = "EQUAL_AMORTIZATION")
+        public String buyDownFeeStrategy;
+        @Schema(example = "FEE", allowableValues = { "FEE", "INTEREST" })
+        public String buyDownFeeIncomeType;
 
         // Interest Recalculation
         @Schema(example = "false")
@@ -671,6 +679,14 @@ public final class LoanProductsApiResourceSwagger {
         public StringEnumOptionData capitalizedIncomeStrategy;
         @Schema(example = "FEE")
         public StringEnumOptionData capitalizedIncomeType;
+        @Schema(example = "false")
+        public Boolean enableBuyDownFee;
+        @Schema(example = "FLAT")
+        public StringEnumOptionData buyDownFeeCalculationType;
+        @Schema(example = "EQUAL_AMORTIZATION")
+        public StringEnumOptionData buyDownFeeStrategy;
+        @Schema(example = "FEE")
+        public StringEnumOptionData buyDownFeeIncomeType;
     }
 
     @Schema(description = "GetLoanProductsTemplateResponse")
@@ -1128,6 +1144,18 @@ public final class LoanProductsApiResourceSwagger {
         public List<StringEnumOptionData> capitalizedIncomeCalculationTypeOptions;
         public List<StringEnumOptionData> capitalizedIncomeStrategyOptions;
         public List<StringEnumOptionData> capitalizedIncomeTypeOptions;
+
+        @Schema(example = "false")
+        public Boolean enableBuyDownFee;
+        @Schema(example = "FLAT")
+        public StringEnumOptionData buyDownFeeCalculationType;
+        @Schema(example = "EQUAL_AMORTIZATION")
+        public StringEnumOptionData buyDownFeeStrategy;
+        @Schema(example = "FEE")
+        public StringEnumOptionData buyDownFeeIncomeType;
+        public List<StringEnumOptionData> buyDownFeeCalculationTypeOptions;
+        public List<StringEnumOptionData> buyDownFeeStrategyOptions;
+        public List<StringEnumOptionData> buyDownFeeIncomeTypeOptions;
     }
 
     @Schema(description = "GetLoanProductsProductIdResponse")
@@ -1460,6 +1488,18 @@ public final class LoanProductsApiResourceSwagger {
         public List<StringEnumOptionData> capitalizedIncomeCalculationTypeOptions;
         public List<StringEnumOptionData> capitalizedIncomeStrategyOptions;
         public List<StringEnumOptionData> capitalizedIncomeTypeOptions;
+
+        @Schema(example = "false")
+        public Boolean enableBuyDownFee;
+        @Schema(example = "FLAT")
+        public StringEnumOptionData buyDownFeeCalculationType;
+        @Schema(example = "EQUAL_AMORTIZATION")
+        public StringEnumOptionData buyDownFeeStrategy;
+        @Schema(example = "FEE")
+        public StringEnumOptionData buyDownFeeIncomeType;
+        public List<StringEnumOptionData> buyDownFeeCalculationTypeOptions;
+        public List<StringEnumOptionData> buyDownFeeStrategyOptions;
+        public List<StringEnumOptionData> buyDownFeeIncomeTypeOptions;
     }
 
     @Schema(description = "PutLoanProductsProductIdRequest")
@@ -1727,6 +1767,14 @@ public final class LoanProductsApiResourceSwagger {
         public String capitalizedIncomeStrategy;
         @Schema(example = "FEE", allowableValues = { "FEE", "INTEREST" })
         public String capitalizedIncomeType;
+        @Schema(example = "false")
+        public Boolean enableBuyDownFee;
+        @Schema(example = "FLAT", allowableValues = "FLAT")
+        public String buyDownFeeCalculationType;
+        @Schema(example = "EQUAL_AMORTIZATION", allowableValues = "EQUAL_AMORTIZATION")
+        public String buyDownFeeStrategy;
+        @Schema(example = "FEE", allowableValues = { "FEE", "INTEREST" })
+        public String buyDownFeeIncomeType;
     }
 
     public static final class AdvancedPaymentData {

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/data/LoanProductData.java

@@ -49,6 +49,9 @@ import org.apache.fineract.portfolio.delinquency.data.DelinquencyBucketData;
 import org.apache.fineract.portfolio.floatingrates.data.FloatingRateData;
 import org.apache.fineract.portfolio.fund.data.FundData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanInterestRecalculationData;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeCalculationType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeIncomeType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeCalculationType;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeType;
@@ -249,6 +252,13 @@ public class LoanProductData implements Serializable {
     private List<StringEnumOptionData> capitalizedIncomeCalculationTypeOptions;
     private List<StringEnumOptionData> capitalizedIncomeStrategyOptions;
     private List<StringEnumOptionData> capitalizedIncomeTypeOptions;
+    private Boolean enableBuyDownFee;
+    private StringEnumOptionData buyDownFeeCalculationType;
+    private StringEnumOptionData buyDownFeeStrategy;
+    private StringEnumOptionData buyDownFeeIncomeType;
+    private List<StringEnumOptionData> buyDownFeeCalculationTypeOptions;
+    private List<StringEnumOptionData> buyDownFeeStrategyOptions;
+    private List<StringEnumOptionData> buyDownFeeIncomeTypeOptions;
 
     /**
      * Used when returning lookup information about loan product for dropdowns.
@@ -357,6 +367,10 @@ public class LoanProductData implements Serializable {
         final StringEnumOptionData capitalizedIncomeCalculationType = null;
         final StringEnumOptionData capitalizedIncomeStrategy = null;
         final StringEnumOptionData capitalizedIncomeType = null;
+        final boolean enableBuyDownFee = false;
+        final StringEnumOptionData buyDownFeeCalculationType = null;
+        final StringEnumOptionData buyDownFeeStrategy = null;
+        final StringEnumOptionData buyDownFeeIncomeType = null;
 
         return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                 numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -379,7 +393,8 @@ public class LoanProductData implements Serializable {
                 paymentAllocation, creditAllocation, repaymentStartDateType, enableInstallmentLevelDelinquency, loanScheduleType,
                 loanScheduleProcessingType, fixedLength, enableAccrualActivityPosting, supportedInterestRefundTypes, chargeOffBehaviour,
                 interestRecognitionOnDisbursementDate, daysInYearTypeCustomStrategy, enableIncomeCapitalization,
-                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType);
+                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, enableBuyDownFee,
+                buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
 
     }
 
@@ -488,6 +503,10 @@ public class LoanProductData implements Serializable {
         final StringEnumOptionData capitalizedIncomeCalculationType = null;
         final StringEnumOptionData capitalizedIncomeStrategy = null;
         final StringEnumOptionData capitalizedIncomeType = null;
+        final boolean enableBuyDownFee = false;
+        final StringEnumOptionData buyDownFeeCalculationType = null;
+        final StringEnumOptionData buyDownFeeStrategy = null;
+        final StringEnumOptionData buyDownFeeIncomeType = null;
 
         return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                 numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -510,7 +529,8 @@ public class LoanProductData implements Serializable {
                 paymentAllocation, creditAllocation, repaymentStartDateType, enableInstallmentLevelDelinquency, loanScheduleType,
                 loanScheduleProcessingType, fixedLength, enableAccrualActivityPosting, supportedInterestRefundTypes, chargeOffBehaviour,
                 interestRecognitionOnDisbursementDate, daysInYearTypeCustomStrategy, enableIncomeCapitalization,
-                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType);
+                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, enableBuyDownFee,
+                buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
 
     }
 
@@ -626,6 +646,10 @@ public class LoanProductData implements Serializable {
         final StringEnumOptionData capitalizedIncomeCalculationType = null;
         final StringEnumOptionData capitalizedIncomeStrategy = null;
         final StringEnumOptionData capitalizedIncomeType = null;
+        final boolean enableBuyDownFee = false;
+        final StringEnumOptionData buyDownFeeCalculationType = null;
+        final StringEnumOptionData buyDownFeeStrategy = null;
+        final StringEnumOptionData buyDownFeeIncomeType = null;
 
         return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                 numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -648,7 +672,8 @@ public class LoanProductData implements Serializable {
                 paymentAllocation, creditAllocation, repaymentStartDateType, enableInstallmentLevelDelinquency, loanScheduleType,
                 loanScheduleProcessingType, fixedLength, enableAccrualActivityPosting, supportedInterestRefundTypes, chargeOffBehaviour,
                 interestRecognitionOnDisbursementDate, daysInYearTypeCustomStrategy, enableIncomeCapitalization,
-                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType);
+                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, enableBuyDownFee,
+                buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
 
     }
 
@@ -758,6 +783,10 @@ public class LoanProductData implements Serializable {
         final StringEnumOptionData capitalizedIncomeCalculationType = null;
         final StringEnumOptionData capitalizedIncomeStrategy = null;
         final StringEnumOptionData capitalizedIncomeType = null;
+        final boolean enableBuyDownFee = false;
+        final StringEnumOptionData buyDownFeeCalculationType = null;
+        final StringEnumOptionData buyDownFeeStrategy = null;
+        final StringEnumOptionData buyDownFeeIncomeType = null;
 
         return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                 numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -780,7 +809,8 @@ public class LoanProductData implements Serializable {
                 paymentAllocation, creditAllocationData, repaymentStartDateType, enableInstallmentLevelDelinquency, loanScheduleType,
                 loanScheduleProcessingType, fixedLength, enableAccrualActivityPosting, supportedInterestRefundTypes, chargeOffBehaviour,
                 interestRecognitionOnDisbursementDate, daysInYearTypeCustomStrategy, enableIncomeCapitalization,
-                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType);
+                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, enableBuyDownFee,
+                buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
     }
 
     public static LoanProductData withAccountingDetails(final LoanProductData productData, final Map<String, Object> accountingMappings,
@@ -837,7 +867,9 @@ public class LoanProductData implements Serializable {
             StringEnumOptionData chargeOffBehaviour, final boolean interestRecognitionOnDisbursementDate,
             final StringEnumOptionData daysInYearCustomStrategy, final boolean enableIncomeCapitalization,
             final StringEnumOptionData capitalizedIncomeCalculationType, final StringEnumOptionData capitalizedIncomeStrategy,
-            final StringEnumOptionData capitalizedIncomeType) {
+            final StringEnumOptionData capitalizedIncomeType, final boolean enableBuyDownFee,
+            final StringEnumOptionData buyDownFeeCalculationType, final StringEnumOptionData buyDownFeeStrategy,
+            final StringEnumOptionData buyDownFeeIncomeType) {
         this.id = id;
         this.name = name;
         this.shortName = shortName;
@@ -898,6 +930,10 @@ public class LoanProductData implements Serializable {
         this.capitalizedIncomeCalculationType = capitalizedIncomeCalculationType;
         this.capitalizedIncomeStrategy = capitalizedIncomeStrategy;
         this.capitalizedIncomeType = capitalizedIncomeType;
+        this.enableBuyDownFee = enableBuyDownFee;
+        this.buyDownFeeCalculationType = buyDownFeeCalculationType;
+        this.buyDownFeeStrategy = buyDownFeeStrategy;
+        this.buyDownFeeIncomeType = buyDownFeeIncomeType;
 
         this.chargeOptions = null;
         this.penaltyOptions = null;
@@ -991,6 +1027,9 @@ public class LoanProductData implements Serializable {
                 .getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeCalculationType.class);
         this.capitalizedIncomeStrategyOptions = ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeStrategy.class);
         this.capitalizedIncomeTypeOptions = ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeType.class);
+        this.buyDownFeeCalculationTypeOptions = ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanBuyDownFeeCalculationType.class);
+        this.buyDownFeeStrategyOptions = ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanBuyDownFeeStrategy.class);
+        this.buyDownFeeIncomeTypeOptions = ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanBuyDownFeeIncomeType.class);
     }
 
     public LoanProductData(final LoanProductData productData, final Collection<ChargeData> chargeOptions,
@@ -1018,7 +1057,9 @@ public class LoanProductData implements Serializable {
             final List<StringEnumOptionData> daysInYearCustomStrategyOptions,
             final List<StringEnumOptionData> capitalizedIncomeCalculationTypeOptions,
             final List<StringEnumOptionData> capitalizedIncomeStrategyOptions,
-            final List<StringEnumOptionData> capitalizedIncomeTypeOptions) {
+            final List<StringEnumOptionData> capitalizedIncomeTypeOptions,
+            final List<StringEnumOptionData> buyDownFeeCalculationTypeOptions, final List<StringEnumOptionData> buyDownFeeStrategyOptions,
+            final List<StringEnumOptionData> buyDownFeeIncomeTypeOptions) {
 
         this.id = productData.id;
         this.name = productData.name;
@@ -1189,6 +1230,14 @@ public class LoanProductData implements Serializable {
         this.capitalizedIncomeCalculationTypeOptions = capitalizedIncomeCalculationTypeOptions;
         this.capitalizedIncomeStrategyOptions = capitalizedIncomeStrategyOptions;
         this.capitalizedIncomeTypeOptions = capitalizedIncomeTypeOptions;
+
+        this.enableBuyDownFee = productData.enableBuyDownFee;
+        this.buyDownFeeCalculationType = productData.buyDownFeeCalculationType;
+        this.buyDownFeeStrategy = productData.buyDownFeeStrategy;
+        this.buyDownFeeIncomeType = productData.buyDownFeeIncomeType;
+        this.buyDownFeeCalculationTypeOptions = buyDownFeeCalculationTypeOptions;
+        this.buyDownFeeStrategyOptions = buyDownFeeStrategyOptions;
+        this.buyDownFeeIncomeTypeOptions = buyDownFeeIncomeTypeOptions;
     }
 
     private Collection<ChargeData> nullIfEmpty(final Collection<ChargeData> charges) {

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProduct.java

@@ -59,6 +59,9 @@ import org.apache.fineract.portfolio.floatingrates.data.FloatingRateDTO;
 import org.apache.fineract.portfolio.floatingrates.data.FloatingRatePeriodData;
 import org.apache.fineract.portfolio.floatingrates.domain.FloatingRate;
 import org.apache.fineract.portfolio.fund.domain.Fund;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeCalculationType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeIncomeType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeCalculationType;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeType;
@@ -282,7 +285,9 @@ public class LoanProduct extends AbstractPersistableCustom<Long> {
             final LoanChargeOffBehaviour chargeOffBehaviour, final boolean isInterestRecognitionOnDisbursementDate,
             final DaysInYearCustomStrategyType daysInYearCustomStrategy, final boolean enableIncomeCapitalization,
             final LoanCapitalizedIncomeCalculationType capitalizedIncomeCalculationType,
-            final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType) {
+            final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType,
+            final boolean enableBuyDownFee, final LoanBuyDownFeeCalculationType buyDownFeeCalculationType,
+            final LoanBuyDownFeeStrategy buyDownFeeStrategy, final LoanBuyDownFeeIncomeType buyDownFeeIncomeType) {
         this.fund = fund;
         this.transactionProcessingStrategyCode = transactionProcessingStrategyCode;
 
@@ -334,7 +339,7 @@ public class LoanProduct extends AbstractPersistableCustom<Long> {
                 enableAutoRepaymentForDownPayment, loanScheduleType, loanScheduleProcessingType, fixedLength, enableAccrualActivityPosting,
                 supportedInterestRefundTypes, chargeOffBehaviour, isInterestRecognitionOnDisbursementDate, daysInYearCustomStrategy,
                 enableIncomeCapitalization, capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType,
-                installmentAmountInMultiplesOf);
+                installmentAmountInMultiplesOf, enableBuyDownFee, buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
 
         this.loanProductMinMaxConstraints = new LoanProductMinMaxConstraints(defaultMinPrincipal, defaultMaxPrincipal,
                 defaultMinNominalInterestRatePerPeriod, defaultMaxNominalInterestRatePerPeriod, defaultMinNumberOfInstallments,

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductRelatedDetail.java

@@ -36,6 +36,9 @@ import org.apache.fineract.portfolio.common.domain.DaysInYearCustomStrategyType;
 import org.apache.fineract.portfolio.common.domain.DaysInYearType;
 import org.apache.fineract.portfolio.common.domain.PeriodFrequencyType;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeCalculationType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeIncomeType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeCalculationType;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeStrategy;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeType;
@@ -186,6 +189,21 @@ public class LoanProductRelatedDetail implements LoanProductMinimumRepaymentSche
     @Column(name = "capitalized_income_type")
     private LoanCapitalizedIncomeType capitalizedIncomeType;
 
+    @Column(name = "enable_buy_down_fee")
+    private boolean enableBuyDownFee = false;
+
+    @Enumerated(EnumType.STRING)
+    @Column(name = "buy_down_fee_calculation_type")
+    private LoanBuyDownFeeCalculationType buyDownFeeCalculationType;
+
+    @Enumerated(EnumType.STRING)
+    @Column(name = "buy_down_fee_strategy")
+    private LoanBuyDownFeeStrategy buyDownFeeStrategy;
+
+    @Enumerated(EnumType.STRING)
+    @Column(name = "buy_down_fee_income_type")
+    private LoanBuyDownFeeIncomeType buyDownFeeIncomeType;
+
     @Column(name = "installment_amount_in_multiples_of")
     private Integer installmentAmountInMultiplesOf;
 
@@ -206,7 +224,9 @@ public class LoanProductRelatedDetail implements LoanProductMinimumRepaymentSche
             final DaysInYearCustomStrategyType daysInYearCustomStrategy, final boolean enableIncomeCapitalization,
             final LoanCapitalizedIncomeCalculationType capitalizedIncomeCalculationType,
             final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType,
-            final Integer installmentAmountInMultiplesOf) {
+            final Integer installmentAmountInMultiplesOf, final boolean enableBuyDownFee,
+            final LoanBuyDownFeeCalculationType buyDownFeeCalculationType, final LoanBuyDownFeeStrategy buyDownFeeStrategy,
+            final LoanBuyDownFeeIncomeType buyDownFeeIncomeType) {
 
         final MonetaryCurrency currency = MonetaryCurrency.fromCurrencyData(currencyData);
         return new LoanProductRelatedDetail(currency, principal, nominalInterestRatePerPeriod, interestRatePeriodFrequencyType,
@@ -217,7 +237,8 @@ public class LoanProductRelatedDetail implements LoanProductMinimumRepaymentSche
                 isEqualAmortization, enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment,
                 loanScheduleType, loanScheduleProcessingType, fixedLength, enableAccrualActivityPosting, supportedInterestRefundTypes,
                 chargeOffBehaviour, interestRecognitionOnDisbursementDate, daysInYearCustomStrategy, enableIncomeCapitalization,
-                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, installmentAmountInMultiplesOf);
+                capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, installmentAmountInMultiplesOf,
+                enableBuyDownFee, buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
     }
 
     protected LoanProductRelatedDetail() {
@@ -241,7 +262,9 @@ public class LoanProductRelatedDetail implements LoanProductMinimumRepaymentSche
             final DaysInYearCustomStrategyType daysInYearCustomStrategy, final boolean enableIncomeCapitalization,
             final LoanCapitalizedIncomeCalculationType capitalizedIncomeCalculationType,
             final LoanCapitalizedIncomeStrategy capitalizedIncomeStrategy, final LoanCapitalizedIncomeType capitalizedIncomeType,
-            final Integer installmentAmountInMultiplesOf) {
+            final Integer installmentAmountInMultiplesOf, final boolean enableBuyDownFee,
+            final LoanBuyDownFeeCalculationType buyDownFeeCalculationType, final LoanBuyDownFeeStrategy buyDownFeeStrategy,
+            final LoanBuyDownFeeIncomeType buyDownFeeIncomeType) {
         this.currency = currency;
         this.principal = defaultPrincipal;
         this.nominalInterestRatePerPeriod = defaultNominalInterestRatePerPeriod;
@@ -284,6 +307,10 @@ public class LoanProductRelatedDetail implements LoanProductMinimumRepaymentSche
         this.capitalizedIncomeStrategy = capitalizedIncomeStrategy;
         this.capitalizedIncomeType = capitalizedIncomeType;
         this.installmentAmountInMultiplesOf = installmentAmountInMultiplesOf;
+        this.enableBuyDownFee = enableBuyDownFee;
+        this.buyDownFeeCalculationType = buyDownFeeCalculationType;
+        this.buyDownFeeStrategy = buyDownFeeStrategy;
+        this.buyDownFeeIncomeType = buyDownFeeIncomeType;
     }
 
     private Integer defaultToNullIfZero(final Integer value) {