FINERACT-2311: Loan product - Buy down fees configuration

2025-06-24 15:06:54 +02:00
parent 29d1ed3cd4
commit 1b1d6be956
23 changed files with 708 additions and 31 deletions
@@ -133,6 +133,9 @@ import org.apache.fineract.portfolio.loanaccount.data.LoanTermVariationsData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanTransactionData;
 import org.apache.fineract.portfolio.loanaccount.data.PaidInAdvanceData;
 import org.apache.fineract.portfolio.loanaccount.data.RepaymentScheduleRelatedLoanData;
+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;
@@ -1169,7 +1172,10 @@ public class LoansApiResource {
                loanTermVariations, ApiFacingEnum.getValuesAsStringEnumOptionDataList(DaysInYearCustomStrategyType.class),
                ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeCalculationType.class),
                ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeStrategy.class),
-                ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeType.class));
+                ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeType.class),
+                ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanBuyDownFeeCalculationType.class),
+                ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanBuyDownFeeStrategy.class),
+                ApiFacingEnum.getValuesAsStringEnumOptionDataList(LoanBuyDownFeeIncomeType.class));

        final ApiRequestJsonSerializationSettings settings = this.apiRequestParameterHelper.process(uriInfo.getQueryParameters(),
                mandatoryResponseParameters);
@@ -1227,6 +1227,14 @@ final class LoansApiResourceSwagger {
        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 = "GetLoansResponse")
@@ -1348,6 +1356,14 @@ final class LoansApiResourceSwagger {
        public String capitalizedIncomeStrategy;
        @Schema(example = "FEE")
        public StringEnumOptionData 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;
        @Schema(example = "List of PostLoansDataTable")
        public List<PostLoansDataTable> datatables;

@@ -550,7 +550,11 @@ public class LoanScheduleAssembler {
                loanProduct.getLoanProductRelatedDetail().isEnableIncomeCapitalization(),
                loanProduct.getLoanProductRelatedDetail().getCapitalizedIncomeCalculationType(),
                loanProduct.getLoanProductRelatedDetail().getCapitalizedIncomeStrategy(),
-                loanProduct.getLoanProductRelatedDetail().getCapitalizedIncomeType());
+                loanProduct.getLoanProductRelatedDetail().getCapitalizedIncomeType(),
+                loanProduct.getLoanProductRelatedDetail().isEnableBuyDownFee(),
+                loanProduct.getLoanProductRelatedDetail().getBuyDownFeeCalculationType(),
+                loanProduct.getLoanProductRelatedDetail().getBuyDownFeeStrategy(),
+                loanProduct.getLoanProductRelatedDetail().getBuyDownFeeIncomeType());
    }

    private CalendarInstance createCalendarForSameAsRepayment(final Integer repaymentEvery,
@@ -40,6 +40,9 @@ import org.apache.fineract.portfolio.common.domain.DaysInYearType;
 import org.apache.fineract.portfolio.common.domain.PeriodFrequencyType;
 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;
@@ -317,6 +320,14 @@ public class LoanProductAssembler {
        final LoanCapitalizedIncomeType capitalizedIncomeType = command
                .enumValueOfParameterNamed(LoanProductConstants.CAPITALIZED_INCOME_TYPE_PARAM_NAME, LoanCapitalizedIncomeType.class);

+        final boolean enableBuyDownFee = command.booleanPrimitiveValueOfParameterNamed(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME);
+        final LoanBuyDownFeeCalculationType buyDownFeeCalculationType = command.enumValueOfParameterNamed(
+                LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME, LoanBuyDownFeeCalculationType.class);
+        final LoanBuyDownFeeStrategy buyDownFeeStrategy = command
+                .enumValueOfParameterNamed(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, LoanBuyDownFeeStrategy.class);
+        final LoanBuyDownFeeIncomeType buyDownFeeIncomeType = command
+                .enumValueOfParameterNamed(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME, LoanBuyDownFeeIncomeType.class);
+
        return new LoanProduct(fund, loanTransactionProcessingStrategy, loanProductPaymentAllocationRules, loanProductCreditAllocationRules,
                name, shortName, description, currency, principal, minPrincipal, maxPrincipal, interestRatePerPeriod,
                minInterestRatePerPeriod, maxInterestRatePerPeriod, interestFrequencyType, annualInterestRate, interestMethod,
@@ -338,7 +349,7 @@ public class LoanProductAssembler {
                repaymentStartDateType, enableInstallmentLevelDelinquency, loanScheduleType, loanScheduleProcessingType, fixedLength,
                enableAccrualActivityPosting, supportedInterestRefundTypes, chargeOffBehaviour, interestRecognitionOnDisbursementDate,
                daysInYearCustomStrategy, enableIncomeCapitalization, capitalizedIncomeCalculationType, capitalizedIncomeStrategy,
-                capitalizedIncomeType);
+                capitalizedIncomeType, enableBuyDownFee, buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);

    }

@@ -26,6 +26,9 @@ import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
 import org.apache.fineract.portfolio.common.domain.DaysInYearCustomStrategyType;
 import org.apache.fineract.portfolio.common.domain.PeriodFrequencyType;
+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;
@@ -328,6 +331,34 @@ public class LoanProductRelatedDetailUpdateUtil {
            loanRepaymentScheduleDetail.setCapitalizedIncomeType(newValue);
        }

+        if (command.isChangeInBooleanParameterNamed(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME,
+                loanRepaymentScheduleDetail.isEnableBuyDownFee())) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME);
+            actualChanges.put(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, newValue);
+            loanRepaymentScheduleDetail.setEnableBuyDownFee(newValue);
+        }
+
+        if (command.parameterExists(LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME)) {
+            final LoanBuyDownFeeCalculationType newValue = command.enumValueOfParameterNamed(
+                    LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME, LoanBuyDownFeeCalculationType.class);
+            actualChanges.put(LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME, newValue);
+            loanRepaymentScheduleDetail.setBuyDownFeeCalculationType(newValue);
+        }
+
+        if (command.parameterExists(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME)) {
+            final LoanBuyDownFeeStrategy newValue = command.enumValueOfParameterNamed(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME,
+                    LoanBuyDownFeeStrategy.class);
+            actualChanges.put(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, newValue);
+            loanRepaymentScheduleDetail.setBuyDownFeeStrategy(newValue);
+        }
+
+        if (command.parameterExists(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME)) {
+            final LoanBuyDownFeeIncomeType newValue = command
+                    .enumValueOfParameterNamed(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME, LoanBuyDownFeeIncomeType.class);
+            actualChanges.put(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME, newValue);
+            loanRepaymentScheduleDetail.setBuyDownFeeIncomeType(newValue);
+        }
+
        return actualChanges;
    }

@@ -109,6 +109,9 @@ import org.apache.fineract.portfolio.loanaccount.data.PaidInAdvanceData;
 import org.apache.fineract.portfolio.loanaccount.data.RepaymentScheduleRelatedLoanData;
 import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
 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.LoanCapitalizedIncomeBalance;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeCalculationType;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeStrategy;
@@ -819,6 +822,8 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
                    + " l.capitalized_income_calculation_type as capitalizedIncomeCalculationType, "
                    + " l.capitalized_income_strategy as capitalizedIncomeStrategy, "
                    + " l.capitalized_income_type as capitalizedIncomeType, " //
+                    + " l.enable_buy_down_fee as enableBuyDownFee, " + " l.buy_down_fee_calculation_type as buyDownFeeCalculationType, "
+                    + " l.buy_down_fee_strategy as buyDownFeeStrategy, " + " l.buy_down_fee_income_type as buyDownFeeIncomeType, "
                    + " l.create_standing_instruction_at_disbursement as createStandingInstructionAtDisbursement, "
                    + " lpvi.minimum_gap as minimuminstallmentgap, lpvi.maximum_gap as maximuminstallmentgap, "
                    + " lp.can_use_for_topup as canUseForTopup, l.is_topup as isTopup, topup.closure_loan_id as closureLoanId, "
@@ -1208,6 +1213,13 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
                    .getStringEnumOptionData(LoanCapitalizedIncomeStrategy.class, rs.getString("capitalizedIncomeStrategy"));
            final StringEnumOptionData capitalizedIncomeType = ApiFacingEnum.getStringEnumOptionData(LoanCapitalizedIncomeType.class,
                    rs.getString("capitalizedIncomeType"));
+            final boolean enableBuyDownFee = rs.getBoolean("enableBuyDownFee");
+            final StringEnumOptionData buyDownFeeCalculationType = ApiFacingEnum
+                    .getStringEnumOptionData(LoanBuyDownFeeCalculationType.class, rs.getString("buyDownFeeCalculationType"));
+            final StringEnumOptionData buyDownFeeStrategy = ApiFacingEnum.getStringEnumOptionData(LoanBuyDownFeeStrategy.class,
+                    rs.getString("buyDownFeeStrategy"));
+            final StringEnumOptionData buyDownFeeIncomeType = ApiFacingEnum.getStringEnumOptionData(LoanBuyDownFeeIncomeType.class,
+                    rs.getString("buyDownFeeIncomeType"));

            return LoanAccountData.basicLoanDetails(id, accountNo, status, externalId, clientId, clientAccountNo, clientName,
                    clientOfficeId, clientExternalId, groupData, loanType, loanProductId, loanProductName, loanProductDescription,
@@ -1228,7 +1240,8 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
                    enableAutoRepaymentForDownPayment, enableInstallmentLevelDelinquency, loanScheduleType.asEnumOptionData(),
                    loanScheduleProcessingType.asEnumOptionData(), fixedLength, chargeOffBehaviour.getValueAsStringEnumOptionData(),
                    interestRecognitionOnDisbursementDate, daysInYearCustomStrategy, enableIncomeCapitalization,
-                    capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType);
+                    capitalizedIncomeCalculationType, capitalizedIncomeStrategy, capitalizedIncomeType, enableBuyDownFee,
+                    buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
        }
    }

@@ -82,6 +82,9 @@ import org.apache.fineract.portfolio.floatingrates.service.FloatingRatesReadPlat
 import org.apache.fineract.portfolio.fund.data.FundData;
 import org.apache.fineract.portfolio.fund.service.FundReadPlatformService;
 import org.apache.fineract.portfolio.loanaccount.api.LoanApiConstants;
+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;
@@ -134,7 +137,9 @@ public class LoanProductsApiResource {
            LoanProductConstants.REPAYMENT_START_DATE_TYPE, LoanProductConstants.DAYS_IN_YEAR_CUSTOM_STRATEGY_TYPE_PARAMETER_NAME,
            LoanProductConstants.ENABLE_INCOME_CAPITALIZATION_PARAM_NAME,
            LoanProductConstants.CAPITALIZED_INCOME_CALCULATION_TYPE_PARAM_NAME,
-            LoanProductConstants.CAPITALIZED_INCOME_STRATEGY_PARAM_NAME, LoanProductConstants.CAPITALIZED_INCOME_TYPE_PARAM_NAME));
+            LoanProductConstants.CAPITALIZED_INCOME_STRATEGY_PARAM_NAME, LoanProductConstants.CAPITALIZED_INCOME_TYPE_PARAM_NAME,
+            LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME,
+            LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME));

    private static final Set<String> PRODUCT_MIX_DATA_PARAMETERS = new HashSet<>(
            Arrays.asList("productId", "productName", "restrictedProducts", "allowedProducts", "productOptions"));
@@ -453,6 +458,12 @@ public class LoanProductsApiResource {
                .getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeStrategy.class);
        final List<StringEnumOptionData> capitalizedIncomeTypeOptions = ApiFacingEnum
                .getValuesAsStringEnumOptionDataList(LoanCapitalizedIncomeType.class);
+        final List<StringEnumOptionData> buyDownFeeCalculationTypeOptions = ApiFacingEnum
+                .getValuesAsStringEnumOptionDataList(LoanBuyDownFeeCalculationType.class);
+        final List<StringEnumOptionData> buyDownFeeStrategyOptions = ApiFacingEnum
+                .getValuesAsStringEnumOptionDataList(LoanBuyDownFeeStrategy.class);
+        final List<StringEnumOptionData> buyDownFeeIncomeTypeOptions = ApiFacingEnum
+                .getValuesAsStringEnumOptionDataList(LoanBuyDownFeeIncomeType.class);

        return new LoanProductData(productData, chargeOptions, penaltyOptions, paymentTypeOptions, currencyOptions, amortizationTypeOptions,
                interestTypeOptions, interestCalculationPeriodTypeOptions, repaymentFrequencyTypeOptions, interestRateFrequencyTypeOptions,
@@ -466,7 +477,7 @@ public class LoanProductsApiResource {
                LoanScheduleProcessingType.getValuesAsEnumOptionDataList(), creditAllocationTransactionTypes,
                creditAllocationAllocationTypes, supportedInterestRefundTypesOptions, chargeOffBehaviourOptions, chargeOffReasonOptions,
                daysInYearCustomStrategyOptions, capitalizedIncomeCalculationTypeOptions, capitalizedIncomeStrategyOptions,
-                capitalizedIncomeTypeOptions);
+                capitalizedIncomeTypeOptions, buyDownFeeCalculationTypeOptions, buyDownFeeStrategyOptions, buyDownFeeIncomeTypeOptions);
    }

 }
@@ -49,6 +49,9 @@ import org.apache.fineract.infrastructure.core.service.MathUtil;
 import org.apache.fineract.portfolio.calendar.service.CalendarUtils;
 import org.apache.fineract.portfolio.common.domain.PeriodFrequencyType;
 import org.apache.fineract.portfolio.loanaccount.api.LoanApiConstants;
+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;
@@ -194,7 +197,9 @@ public final class LoanProductDataValidator {
            LoanProductConstants.DAYS_IN_YEAR_CUSTOM_STRATEGY_TYPE_PARAMETER_NAME,
            LoanProductConstants.ENABLE_INCOME_CAPITALIZATION_PARAM_NAME,
            LoanProductConstants.CAPITALIZED_INCOME_CALCULATION_TYPE_PARAM_NAME,
-            LoanProductConstants.CAPITALIZED_INCOME_STRATEGY_PARAM_NAME, LoanProductConstants.CAPITALIZED_INCOME_TYPE_PARAM_NAME));
+            LoanProductConstants.CAPITALIZED_INCOME_STRATEGY_PARAM_NAME, LoanProductConstants.CAPITALIZED_INCOME_TYPE_PARAM_NAME,
+            LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME,
+            LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME));

    private static final String[] SUPPORTED_LOAN_CONFIGURABLE_ATTRIBUTES = { LoanProductConstants.amortizationTypeParamName,
            LoanProductConstants.interestTypeParamName, LoanProductConstants.transactionProcessingStrategyCodeParamName,
@@ -887,6 +892,8 @@ public final class LoanProductDataValidator {

        validateIncomeCapitalization(transactionProcessingStrategyCode, element, baseDataValidator, accountingRuleType);

+        validateBuyDownFee(transactionProcessingStrategyCode, element, baseDataValidator);
+
        throwExceptionIfValidationWarningsExist(dataValidationErrors);
    }

@@ -1935,6 +1942,8 @@ public final class LoanProductDataValidator {

        validateIncomeCapitalization(transactionProcessingStrategyCode, element, baseDataValidator, accountingRuleType);

+        validateBuyDownFee(transactionProcessingStrategyCode, element, baseDataValidator);
+
        throwExceptionIfValidationWarningsExist(dataValidationErrors);
    }

@@ -2745,6 +2754,61 @@ public final class LoanProductDataValidator {
        }
    }

+    private void validateBuyDownFee(String transactionProcessingStrategyCode, JsonElement element, DataValidatorBuilder baseDataValidator) {
+        if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME, element)) {
+            final String buyDownFeeCalculationType = this.fromApiJsonHelper
+                    .extractStringNamed(LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME, element);
+            baseDataValidator.reset().parameter(LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME)
+                    .value(buyDownFeeCalculationType).isOneOfEnumValues(LoanBuyDownFeeCalculationType.class);
+        }
+
+        if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, element)) {
+            final String buyDownFeeStrategy = this.fromApiJsonHelper
+                    .extractStringNamed(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, element);
+            baseDataValidator.reset().parameter(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME).value(buyDownFeeStrategy)
+                    .isOneOfEnumValues(LoanBuyDownFeeStrategy.class);
+        }
+
+        if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME, element)) {
+            final String buyDownFeeIncomeType = this.fromApiJsonHelper
+                    .extractStringNamed(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME, element);
+            baseDataValidator.reset().parameter(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME).value(buyDownFeeIncomeType)
+                    .isOneOfEnumValues(LoanBuyDownFeeIncomeType.class);
+        }
+
+        if (AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY.equals(transactionProcessingStrategyCode)
+                && this.fromApiJsonHelper.parameterExists(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, element)) {
+            Boolean enableBuyDownFee = this.fromApiJsonHelper.extractBooleanNamed(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME,
+                    element);
+            baseDataValidator.reset().parameter(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME).value(enableBuyDownFee).ignoreIfNull()
+                    .validateForBooleanValue();
+            if (enableBuyDownFee) {
+                final String buyDownFeeCalculationType = this.fromApiJsonHelper
+                        .extractStringNamed(LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME, element);
+                baseDataValidator.reset().parameter(LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME)
+                        .value(buyDownFeeCalculationType).isOneOfEnumValues(LoanBuyDownFeeCalculationType.class)
+                        .cantBeBlankWhenParameterProvidedIs(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, true);
+                final String buyDownFeeStrategy = this.fromApiJsonHelper
+                        .extractStringNamed(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, element);
+                baseDataValidator.reset().parameter(LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME).value(buyDownFeeStrategy)
+                        .isOneOfEnumValues(LoanBuyDownFeeStrategy.class)
+                        .cantBeBlankWhenParameterProvidedIs(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, true);
+                final String buyDownFeeIncomeType = this.fromApiJsonHelper
+                        .extractStringNamed(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME, element);
+                baseDataValidator.reset().parameter(LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME).value(buyDownFeeIncomeType)
+                        .isOneOfEnumValues(LoanBuyDownFeeIncomeType.class)
+                        .cantBeBlankWhenParameterProvidedIs(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, true);
+            }
+        } else if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, element)) {
+            Boolean enableBuyDownFee = this.fromApiJsonHelper.extractBooleanNamed(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME,
+                    element);
+            if (Boolean.TRUE.equals(enableBuyDownFee)) {
+                baseDataValidator.reset().parameter(LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME).failWithCode(
+                        "supported.only.for.progressive.loan.buyDownFee", "Buy down fee is only supported for Progressive loans");
+            }
+        }
+    }
+
    private Integer defaultToZeroIfNull(Integer value) {
        return value != null ? value : 0;
    }
@@ -46,6 +46,9 @@ import org.apache.fineract.portfolio.common.domain.DaysInYearCustomStrategyType;
 import org.apache.fineract.portfolio.common.service.CommonEnumerations;
 import org.apache.fineract.portfolio.delinquency.data.DelinquencyBucketData;
 import org.apache.fineract.portfolio.delinquency.service.DelinquencyReadPlatformService;
+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;
@@ -296,7 +299,9 @@ public class LoanProductReadPlatformServiceImpl implements LoanProductReadPlatfo
                    + "lp.enable_income_capitalization as enableIncomeCapitalization, " //
                    + "lp.capitalized_income_calculation_type as capitalizedIncomeCalculationType, " //
                    + "lp.capitalized_income_strategy as capitalizedIncomeStrategy, " //
-                    + "lp.capitalized_income_type as capitalizedIncomeType " //
+                    + "lp.capitalized_income_type as capitalizedIncomeType, " //
+                    + "lp.enable_buy_down_fee as enableBuyDownFee, " + "lp.buy_down_fee_calculation_type as buyDownFeeCalculationType, "
+                    + "lp.buy_down_fee_strategy as buyDownFeeStrategy, " + "lp.buy_down_fee_income_type as buyDownFeeIncomeType "
                    + " from m_product_loan lp " + " left join m_fund f on f.id = lp.fund_id "
                    + " left join m_product_loan_recalculation_details lpr on lpr.product_id=lp.id "
                    + " left join m_product_loan_guarantee_details lpg on lpg.loan_product_id=lp.id "
@@ -567,6 +572,13 @@ public class LoanProductReadPlatformServiceImpl implements LoanProductReadPlatfo
                    .getStringEnumOptionData(LoanCapitalizedIncomeStrategy.class, rs.getString("capitalizedIncomeStrategy"));
            final StringEnumOptionData capitalizedIncome = ApiFacingEnum.getStringEnumOptionData(LoanCapitalizedIncomeType.class,
                    rs.getString("capitalizedIncomeType"));
+            final boolean enableBuyDownFee = rs.getBoolean("enableBuyDownFee");
+            final StringEnumOptionData buyDownFeeCalculationType = ApiFacingEnum
+                    .getStringEnumOptionData(LoanBuyDownFeeCalculationType.class, rs.getString("buyDownFeeCalculationType"));
+            final StringEnumOptionData buyDownFeeStrategy = ApiFacingEnum.getStringEnumOptionData(LoanBuyDownFeeStrategy.class,
+                    rs.getString("buyDownFeeStrategy"));
+            final StringEnumOptionData buyDownFeeIncomeType = ApiFacingEnum.getStringEnumOptionData(LoanBuyDownFeeIncomeType.class,
+                    rs.getString("buyDownFeeIncomeType"));

            return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                    numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -592,7 +604,7 @@ public class LoanProductReadPlatformServiceImpl implements LoanProductReadPlatfo
                    fixedLength, enableAccrualActivityPosting, supportedInterestRefundTypes,
                    loanChargeOffBehaviour.getValueAsStringEnumOptionData(), interestRecognitionOnDisbursementDate,
                    daysInYearCustomStrategy, enableIncomeCapitalization, capitalizedIncomeCalculationType, capitalizedIncomeStrategy,
-                    capitalizedIncome);
+                    capitalizedIncome, enableBuyDownFee, buyDownFeeCalculationType, buyDownFeeStrategy, buyDownFeeIncomeType);
        }
    }

@@ -203,4 +203,5 @@
    <include file="parts/0182_transaction_summary_with_asset_owner_report_fix_charge_reason_and_add_buyback_intermediate.xml" relativeToChangelogFile="true" />
    <include file="parts/0183_add_LoanCapitalizedIncomeTransactionCreatedBusinessEvent.xml" relativeToChangelogFile="true" />
    <include file="parts/0184_add_document_event_configuration.xml" relativeToChangelogFile="true" />
+    <include file="parts/0185_loan_buy_down_fee.xml" relativeToChangelogFile="true" />
 </databaseChangeLog>
@@ -0,0 +1,55 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    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.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.3.xsd">
+    <changeSet author="fineract" id="1">
+        <addColumn tableName="m_loan">
+            <column name="enable_buy_down_fee" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="buy_down_fee_calculation_type" type="VARCHAR(100)">
+                <constraints nullable="true"/>
+            </column>
+            <column name="buy_down_fee_strategy" type="VARCHAR(100)">
+                <constraints nullable="true"/>
+            </column>
+            <column name="buy_down_fee_income_type" type="VARCHAR(100)">
+                <constraints nullable="true"/>
+            </column>
+        </addColumn>
+        <addColumn tableName="m_product_loan">
+            <column name="enable_buy_down_fee" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="buy_down_fee_calculation_type" type="VARCHAR(100)">
+                <constraints nullable="true"/>
+            </column>
+            <column name="buy_down_fee_strategy" type="VARCHAR(100)">
+                <constraints nullable="true"/>
+            </column>
+            <column name="buy_down_fee_income_type" type="VARCHAR(100)">
+                <constraints nullable="true"/>
+            </column>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>
@@ -99,7 +99,7 @@ public class DefaultScheduledDateGeneratorTest {
                DaysInMonthType.ACTUAL, DaysInYearType.ACTUAL, false, null, null, null, null, null, ZERO, null, NONE, null, ZERO,
                EMPTY_LIST, true, 0, false, holidayDetailDTO, false, false, false, null, false, false, null, false, DISBURSEMENT_DATE,
                submittedOnDate, CUMULATIVE, LoanScheduleProcessingType.HORIZONTAL, null, false, null, null, false, null, false, null, null,
-                null);
+                null, false, null, null, null);

        // when
        List<? extends LoanScheduleModelPeriod> result = underTest.generateRepaymentPeriods(mathContext, expectedDisbursementDate,
@@ -180,7 +180,7 @@ public class DefaultScheduledDateGeneratorTest {
                EMPTY_LIST, BigDecimal.valueOf(36_000L), null, DaysInMonthType.ACTUAL, DaysInYearType.ACTUAL, false, null, null, null, null,
                null, ZERO, null, NONE, null, ZERO, EMPTY_LIST, true, 0, false, holidayDetailDTO, false, false, false, null, false, false,
                null, false, DISBURSEMENT_DATE, submittedOnDate, CUMULATIVE, LoanScheduleProcessingType.HORIZONTAL, null, false, null, null,
-                false, null, false, null, null, null);
+                false, null, false, null, null, null, false, null, null, null);
    }

    private HolidayDetailDTO createHolidayDTO() {