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FINERACT-2412: e2e test scenarios for full term tranche with charge-off transaction

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MarianaDmytrivBinariks
2026-01-27 17:37:33 +01:00
committed by Adam Saghy
parent 0e7ab0d26f
commit 1dfba8e30b
5 changed files with 339 additions and 2 deletions
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fineract-e2e-tests-runner/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+67
View File
@@ -20,6 +20,7 @@ package org.apache.fineract.test.initializer.global;
import static org.apache.fineract.client.feign.util.FeignCalls.ok;
import static org.apache.fineract.client.models.LoanProductRelatedDetail.DaysInYearCustomStrategyEnum.FEB_29_PERIOD_ONLY;
import static org.apache.fineract.test.data.ChargeOffBehaviour.ACCELERATE_MATURITY;
import static org.apache.fineract.test.data.ChargeOffBehaviour.ZERO_INTEREST;
import static org.apache.fineract.test.data.TransactionProcessingStrategyCode.ADVANCED_PAYMENT_ALLOCATION;
import static org.apache.fineract.test.factory.LoanProductsRequestFactory.INTEREST_CALCULATION_PERIOD_TYPE_SAME_AS_REPAYMENT;
@@ -4518,6 +4519,72 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_CHARGEBACK,
responseLoanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheChargeback);
// LP2 with progressive loan schedule + horizontal + interest recalculation daily EMI + 360/30 +
// multidisbursement with full term tranche enabled + zero interest charge off
// Frequency for recalculate Outstanding Principal: Daily, Frequency Interval for recalculation: 1
String name176 = DefaultLoanProduct.LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_ZERO_INT_CHARGE_OFF
.getName();
PostLoanProductsRequest loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheZeroIntChargeOff = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.name(name176)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.isInterestRecalculationEnabled(true)//
.preClosureInterestCalculationStrategy(1)//
.rescheduleStrategyMethod(4)//
.interestRecalculationCompoundingMethod(0)//
.recalculationRestFrequencyType(2)//
.recalculationRestFrequencyInterval(1)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")))//
.chargeOffBehaviour(ZERO_INTEREST.value)//
.multiDisburseLoan(true)//
.disallowExpectedDisbursements(true)//
.allowFullTermForTranche(true)//
.maxTrancheCount(10)//
.outstandingLoanBalance(10000.0);//
PostLoanProductsResponse responseLoanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheZeroIntChargeOff = createLoanProductIdempotent(
loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheZeroIntChargeOff);
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_ZERO_CHARGE_OFF,
responseLoanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheZeroIntChargeOff);
// LP2 with progressive loan schedule + horizontal + interest recalculation daily EMI + 360/30 +
// multidisbursement with full term tranche enabled + accelerate maturity charge-off
// Frequency for recalculate Outstanding Principal: Daily, Frequency Interval for recalculation: 1
String name177 = DefaultLoanProduct.LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_ACCELERATE_MATURITY
.getName();
PostLoanProductsRequest loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheAccelerateMaturity = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.name(name177)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.isInterestRecalculationEnabled(true)//
.preClosureInterestCalculationStrategy(1)//
.rescheduleStrategyMethod(4)//
.interestRecalculationCompoundingMethod(0)//
.recalculationRestFrequencyType(2)//
.recalculationRestFrequencyInterval(1)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")))//
.chargeOffBehaviour(ACCELERATE_MATURITY.value)//
.multiDisburseLoan(true)//
.disallowExpectedDisbursements(true)//
.allowFullTermForTranche(true)//
.maxTrancheCount(10)//
.outstandingLoanBalance(10000.0);//
PostLoanProductsResponse responseLoanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheAccelerateMaturity = createLoanProductIdempotent(
loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheAccelerateMaturity);
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_ACCELERATE_MATURITY,
responseLoanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseFullTermTrancheAccelerateMaturity);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
+267 -2
View File
@@ -1048,8 +1048,8 @@ Feature: Full Term Tranche - Schedule handling and Calculations
| | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | 01 April 2024 | 183.66 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 183.66 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 153.05 | 30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0 | 31.45 |
| 5 | 31 | 01 June 2024 | | 122.44 | 30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0 | 31.45 |
| 4 | 30 | 01 May 2024 | | 153.05 | 30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0 | 31.45 |
| 5 | 31 | 01 June 2024 | | 122.44 | 30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0 | 31.45 |
| 6 | 30 | 01 July 2024 | | 91.83 | 30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0 | 31.45 |
| 7 | 31 | 01 August 2024 | | 61.22 | 30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0 | 31.45 |
| 8 | 31 | 01 September 2024 | | 30.61 | 30.61 | 0.84 | 0.0 | 0.0 | 31.45 | 0.0 | 0.0 | 0.0 | 31.45 |
@@ -1243,6 +1243,271 @@ Feature: Full Term Tranche - Schedule handling and Calculations
When Loan Pay-off is made on "01 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4556 @AdvancedPaymentAllocation
Scenario: Verify that Loan full term tranche charge-off with regular behaviour - UC7
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024"
When 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
Then 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 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 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 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
# --- 2nd disbursement --- #
When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 7 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
| 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
# --- add charge-off transaction --- #
When Admin sets the business date to "01 March 2024"
And Admin does charge-off the loan on "01 March 2024"
Then Loan Repayment schedule has 7 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
| 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
| 01 March 2024 | Accrual | 2.24 | 0.0 | 2.24 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 188.43 | 183.66 | 4.77 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "01 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4557 @AdvancedPaymentAllocation
Scenario: Verify that Loan full term tranche charge-off with zero interest behaviour - UC7.1
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_ZERO_INT_CHARGE_OFF | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024"
When 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
Then 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 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 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 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
# --- 2nd disbursement --- #
When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 7 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
| 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
# --- add charge-off transaction --- #
When Admin sets the business date to "01 March 2024"
And Admin does charge-off the loan on "01 March 2024"
Then Loan Repayment schedule has 7 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 3 | 31 | 01 April 2024 | | 116.59 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 4 | 30 | 01 May 2024 | | 82.33 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 5 | 31 | 01 June 2024 | | 48.07 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 6 | 30 | 01 July 2024 | | 13.81 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 7 | 31 | 01 August 2024 | | 0.0 | 13.81 | 0.0 | 0.0 | 0.0 | 13.81 | 0.0 | 0.0 | 0.0 | 13.81 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 2.24 | 0.0 | 0.0 | 202.24 | 17.13 | 0.0 | 0.0 | 185.11 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
| 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
| 01 March 2024 | Accrual | 2.24 | 0.0 | 2.24 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 185.11 | 183.66 | 1.45 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "01 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4558 @AdvancedPaymentAllocation
Scenario: Verify that Loan full term tranche charge-off with accelerate maturity behaviour - UC7.2
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_ACCELERATE_MATURITY | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024"
When 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
Then 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 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 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 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
# --- 2nd disbursement --- #
When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 7 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
| 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
| 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
# --- add charge-off transaction --- #
When Admin sets the business date to "01 March 2024"
And Admin does charge-off the loan on "01 March 2024"
Then Loan Repayment schedule has 2 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | | 0.0 | 183.66 | 1.45 | 0.0 | 0.0 | 185.11 | 0.0 | 0.0 | 0.0 | 185.11 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 2.24 | 0.0 | 0.0 | 202.24 | 17.13 | 0.0 | 0.0 | 185.11 |
Then 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
| 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
| 01 March 2024 | Accrual | 2.24 | 0.0 | 2.24 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 185.11 | 183.66 | 1.45 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "01 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4548 @AdvancedPaymentAllocation
Scenario: Verify full term tranche - backdated repayment triggers reverse-replay - UC10
When Admin sets the business date to "01 January 2024"