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FINERACT-1981: Reschedule loan with interest rate change from zero breaks repayment schedule and loan status to OVERPAID - E2E tests

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This commit is contained in:
Peter Kovacs
2025-08-19 14:45:19 +02:00
committed by Adam Saghy
parent 7285a958fe
commit 1e926669d3
3 changed files with 560 additions and 179 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/LoanRescheduleErrorMessage.java
+2 -1
View File
@@ -26,7 +26,8 @@ public enum LoanRescheduleErrorMessage {
LOAN_RESCHEDULE_NOT_ALLOWED_FROM_ZERO_TO_NEW_INTEREST_RATE("Failed data validation due to: newInterestRate."), // LOAN_RESCHEDULE_NOT_ALLOWED_FROM_ZERO_TO_NEW_INTEREST_RATE("Failed data validation due to: newInterestRate."), //
LOAN_RESCHEDULE_NOT_ALLOWED_FROM_CURRENT_INTEREST_RATE_TO_ZERO("The parameter `newInterestRate` must be greater than 0."), // LOAN_RESCHEDULE_NOT_ALLOWED_FROM_CURRENT_INTEREST_RATE_TO_ZERO("The parameter `newInterestRate` must be greater than 0."), //
NEW_INTEREST_RATE_IS_1_BUT_MINIMUM_IS_3("The parameter `newInterestRate` value 1.0 must not be less than the minimum value 3.0"), // NEW_INTEREST_RATE_IS_1_BUT_MINIMUM_IS_3("The parameter `newInterestRate` value 1.0 must not be less than the minimum value 3.0"), //
NEW_INTEREST_RATE_IS_45_BUT_MAXIMUM_IS_20("The parameter `newInterestRate` value 45.0 must not be more than maximum value 20.0"); // NEW_INTEREST_RATE_IS_45_BUT_MAXIMUM_IS_20("The parameter `newInterestRate` value 45.0 must not be more than maximum value 20.0"), //
LOAN_INTEREST_RATE_CANNOT_BE_NEGATIVE("The parameter `newInterestRate` must be greater than or equal to 0."); //
private final String messageTemplate; private final String messageTemplate;
fineract-e2e-tests-runner/src/test/resources/features/LoanInterestRateChange.feature
+479 -99
View File
@@ -4,14 +4,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3217 @TestRailId:C3217
Scenario: Verify Interest rate change - backdated, modification on installment due date - UC1 Scenario: Verify Interest rate change - backdated, modification on installment due date - UC1
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -56,14 +56,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3916 @TestRailId:C3916
Scenario: Verify Interest rate change - backdated, modification in middle of installment - UC2 Scenario: Verify Interest rate change - backdated, modification in middle of installment - UC2
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -108,14 +108,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3917 @TestRailId:C3917
Scenario: Verify Interest rate change - backdated, modification in middle of installment, no reverse-replay - UC3 Scenario: Verify Interest rate change - backdated, modification in middle of installment, no reverse-replay - UC3
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -160,14 +160,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3918 @TestRailId:C3918
Scenario: Verify Interest rate change - backdated, modification on installment due date, with repayment undo - UC1.2 Scenario: Verify Interest rate change - backdated, modification on installment due date, with repayment undo - UC1.2
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -276,14 +276,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3944 @TestRailId:C3944
Scenario: Verify Interest rate change - backdated, charged-off, regular - UC4.1 Scenario: Verify Interest rate change - backdated, charged-off, regular - UC4.1
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -332,14 +332,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3945 @TestRailId:C3945
Scenario: Verify Interest rate change - backdated, charged-off, zero interest - UC4.2 Scenario: Verify Interest rate change - backdated, charged-off, zero interest - UC4.2
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -388,14 +388,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3946 @TestRailId:C3946
Scenario: Verify Interest rate change - backdated, charged-off, accelerate maturity - UC4.3 Scenario: Verify Interest rate change - backdated, charged-off, accelerate maturity - UC4.3
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -441,14 +441,14 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:С3941 @TestRailId:С3941
Scenario: Verify Interest rate change - backdated, CBR - UC5 Scenario: Verify Interest rate change - backdated, CBR - UC5
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -492,24 +492,24 @@ Feature: Loan interest rate change on repayment schedule
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan's all installments have obligations met Then Loan's all installments have obligations met
Then Loan has 0.21 overpaid amount And Loan has 0.21 overpaid amount
Then Loan status will be "OVERPAID" And Loan status will be "OVERPAID"
And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount
Then Loan's all installments have obligations met Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET" And Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:С3942 @TestRailId:С3942
Scenario: Verify Interest rate change - backdated, closed loan - UC7 Scenario: Verify Interest rate change - backdated, closed loan - UC7
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -529,7 +529,7 @@ Feature: Loan interest rate change on repayment schedule
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.06 EUR transaction amount And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.06 EUR transaction amount
Then Loan's all installments have obligations met Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET" And Loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin creates and approves Loan reschedule with the following data: When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
@@ -554,24 +554,24 @@ Feature: Loan interest rate change on repayment schedule
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan's all installments have obligations met Then Loan's all installments have obligations met
Then Loan has 0.21 overpaid amount And Loan has 0.21 overpaid amount
Then Loan status will be "OVERPAID" And Loan status will be "OVERPAID"
And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount
Then Loan's all installments have obligations met Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET" And Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:С3943 @TestRailId:С3943
Scenario: Verify Interest rate change - backdated, overpaid loan - UC7.2 Scenario: Verify Interest rate change - backdated, overpaid loan - UC7.2
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -591,9 +591,9 @@ Feature: Loan interest rate change on repayment schedule
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.2 EUR transaction amount And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.2 EUR transaction amount
Then Loan's all installments have obligations met Then Loan's all installments have obligations met
Then Loan has 0.14 overpaid amount And Loan has 0.14 overpaid amount
Then Loan status will be "OVERPAID" And Loan status will be "OVERPAID"
Then Loan status will be "OVERPAID" And Loan status will be "OVERPAID"
When Admin creates and approves Loan reschedule with the following data: When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
@@ -618,20 +618,20 @@ Feature: Loan interest rate change on repayment schedule
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan has 0 outstanding amount Then Loan has 0 outstanding amount
Then Loan's all installments have obligations met And Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET" And Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:С3952 @TestRailId:С3952
Scenario: Verify Interest rate change - backdated, closed as written-off loan - UC7.3 Scenario: Verify Interest rate change - backdated, closed as written-off loan - UC7.3
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -657,7 +657,7 @@ Feature: Loan interest rate change on repayment schedule
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Close (as written-off) | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false | | 01 March 2024 | Close (as written-off) | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_WRITTEN_OFF" Then Loan status will be "CLOSED_WRITTEN_OFF"
Then Loan's all installments have obligations met And Loan's all installments have obligations met
When Admin creates and approves Loan reschedule with the following data: When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
@@ -680,15 +680,15 @@ Feature: Loan interest rate change on repayment schedule
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Close (as written-off) | 84.41 | 83.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | | 01 March 2024 | Close (as written-off) | 84.41 | 83.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true |
Then Loan has 0 outstanding amount Then Loan has 0 outstanding amount
Then Loan's all installments have obligations met And Loan's all installments have obligations met
Then Loan status will be "CLOSED_WRITTEN_OFF" And Loan status will be "CLOSED_WRITTEN_OFF"
@TestRailId:С3947 @TestRailId:С3947
Scenario: Verify Interest rate change - backdated, external asset owner - UC6 Scenario: Verify Interest rate change - backdated, external asset owner - UC6
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
@@ -715,12 +715,12 @@ Feature: Loan interest rate change on repayment schedule
| Transaction type | settlementDate | purchasePriceRatio | | Transaction type | settlementDate | purchasePriceRatio |
| sale | 2024-04-01 | 1 | | sale | 2024-04-01 | 1 |
Then Asset externalization response has the correct Loan ID, transferExternalId Then Asset externalization response has the correct Loan ID, transferExternalId
Then Fetching Asset externalization details by loan id gives numberOfElements: 1 with correct ownerExternalId and the following data: And Fetching Asset externalization details by loan id gives numberOfElements: 1 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | | settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type |
| 2024-04-01 | 1 | PENDING | 2024-03-01 | 9999-12-31 | SALE | | 2024-04-01 | 1 | PENDING | 2024-03-01 | 9999-12-31 | SALE |
When Admin sets the business date to "02 April 2024" When Admin sets the business date to "02 April 2024"
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Fetching Asset externalization details by loan id gives numberOfElements: 2 with correct ownerExternalId and the following data: Then Fetching Asset externalization details by loan id gives numberOfElements: 2 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | | settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type |
| 2024-04-01 | 1 | PENDING | 2024-03-01 | 2024-04-01 | SALE | | 2024-04-01 | 1 | PENDING | 2024-03-01 | 2024-04-01 | SALE |
@@ -752,8 +752,8 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3948 @TestRailId:C3948
Scenario: Verify backdated interest rate INCREASE on charged-off loan - backdated, charged-off, regular - UC4.4 Scenario: Verify backdated interest rate INCREASE on charged-off loan - backdated, charged-off, regular - UC4.4
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
@@ -859,13 +859,13 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3949 @TestRailId:C3949
Scenario: Verify backdated interest modification with PARTIAL payment before charge-off - backdated, charged-off, zero interest - UC4.5 Scenario: Verify backdated interest modification with PARTIAL payment before charge-off - backdated, charged-off, zero interest - UC4.5
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -966,13 +966,13 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3950 @TestRailId:C3950
Scenario: Verify multiple backdated interest modifications after charge-off - backdated, charged-off, accelerate maturity - UC4.6 Scenario: Verify multiple backdated interest modifications after charge-off - backdated, charged-off, accelerate maturity - UC4.6
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -1090,8 +1090,8 @@ Feature: Loan interest rate change on repayment schedule
@TestRailId:C3951 @TestRailId:C3951
Scenario: Verify backdated interest modification with fees and penalties on charged-off loan - backdated, charged-off, regular - UC4.7 Scenario: Verify backdated interest modification with fees and penalties on charged-off loan - backdated, charged-off, regular - UC4.7
When Admin sets the business date to "01 January 2024" When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data And Admin creates a client with random data
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
@@ -1130,7 +1130,7 @@ Feature: Loan interest rate change on repayment schedule
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | | 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
When Admin adds "LOAN_NSF_FEE" due date charge with "20 February 2024" due date and 5 EUR transaction amount When Admin adds "LOAN_NSF_FEE" due date charge with "20 February 2024" due date and 5 EUR transaction amount
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 February 2024" due date and 8 EUR transaction amount And Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 February 2024" due date and 8 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods: 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 | | 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 | | | | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
@@ -1190,10 +1190,12 @@ Feature: Loan interest rate change on repayment schedule
| 01 April 2024 | Accrual | 1.59 | 0.0 | 1.59 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual | 1.59 | 0.0 | 1.59 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Accrual Adjustment | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 97.49 | 83.57 | 0.92 | 8.0 | 5.0 | 0.0 | false | true | | 01 April 2024 | Charge-off | 97.49 | 83.57 | 0.92 | 8.0 | 5.0 | 0.0 | false | true |
Scenario: Verify change interest rate with 0->4 reschedule scenario - UC1
@TestRailId:C3968
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC1: interest recalculation, no overdue installment
When Admin sets the business date to "01 April 2025" When Admin sets the business date to "01 April 2025"
When Admin creates a client with random data And Admin creates a client with random data
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025" And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
@@ -1240,14 +1242,147 @@ Feature: Loan interest rate change on repayment schedule
| 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 7.5 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 | | 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 7.5 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 3 | 30 | 01 July 2025 | | 252.5 | 249.99 | 5.02 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 | | 3 | 30 | 01 July 2025 | | 252.5 | 249.99 | 5.02 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 4 | 31 | 01 August 2025 | | 0.0 | 252.5 | 2.52 | 0.0 | 0.0 | 255.02 | 0.0 | 0.0 | 0.0 | 255.02 | | 4 | 31 | 01 August 2025 | | 0.0 | 252.5 | 2.52 | 0.0 | 0.0 | 255.02 | 0.0 | 0.0 | 0.0 | 255.02 |
Then Loan status will be "ACTIVE" Then Loan Repayment schedule has the following data in Total row:
When Loan Pay-off is made on "05 May 2025" | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
Then Loan's all installments have obligations met | 1000.0 | 15.04 | 0.0 | 0.0 | 1015.04 | 250.0 | 0.0 | 0.0 | 765.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 May 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
Scenario: Verify change interest rate with 0->4 reschedule scenario - UC2 @TestRailId:C3969
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC2: interest recalculation, overdue installment
When Admin sets the business date to "01 April 2025" When Admin sets the business date to "01 April 2025"
When Admin creates a client with random data And Admin creates a client with random data
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "15 May 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 503.62 | 246.38 | 8.63 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 3 | 30 | 01 July 2025 | | 253.65 | 249.97 | 5.04 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 4 | 31 | 01 August 2025 | | 0.0 | 253.65 | 2.54 | 0.0 | 0.0 | 256.19 | 0.0 | 0.0 | 0.0 | 256.19 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.21 | 0.0 | 0.0 | 1016.21 | 0.0 | 0.0 | 0.0 | 1016.21 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
@TestRailId:C3970
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC3: interest recalculation, overdue installment, interest rate 12->0 on disbursement day
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 753.72 | 246.28 | 10.0 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 2 | 31 | 01 June 2025 | | 504.98 | 248.74 | 7.54 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 3 | 30 | 01 July 2025 | | 253.75 | 251.23 | 5.05 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 4 | 31 | 01 August 2025 | | 0.0 | 253.75 | 2.54 | 0.0 | 0.0 | 256.29 | 0.0 | 0.0 | 0.0 | 256.29 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 25.13 | 0.0 | 0.0 | 1025.13 | 0.0 | 0.0 | 0.0 | 1025.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 April 2025 | 02 April 2025 | | | | | 0 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "15 May 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 503.62 | 246.38 | 8.63 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 3 | 30 | 01 July 2025 | | 253.65 | 249.97 | 5.04 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 4 | 31 | 01 August 2025 | | 0.0 | 253.65 | 2.54 | 0.0 | 0.0 | 256.19 | 0.0 | 0.0 | 0.0 | 256.19 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.21 | 0.0 | 0.0 | 1016.21 | 0.0 | 0.0 | 0.0 | 1016.21 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
@TestRailId:C3971
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC4: no interest recalculation, overdue installment
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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 | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025" And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
@@ -1267,22 +1402,20 @@ Feature: Loan interest rate change on repayment schedule
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | | 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 May 2025" When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 250.0 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods: Then Loan Repayment schedule has 4 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | | 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | | 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | | 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | | 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row: Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 | | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data: Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | | 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 May 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false | When Admin sets the business date to "15 May 2025"
When Admin sets the business date to "05 May 2025"
And Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data: When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
@@ -1290,30 +1423,277 @@ Feature: Loan interest rate change on repayment schedule
Then Loan Repayment schedule has 4 periods, with the following data for periods: Then Loan Repayment schedule has 4 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | | 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 7.5 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 | | 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 7.5 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 3 | 30 | 01 July 2025 | | 252.5 | 249.99 | 5.02 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 | | 3 | 30 | 01 July 2025 | | 252.5 | 249.99 | 5.02 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
| 4 | 31 | 01 August 2025 | | 0.0 | 252.5 | 2.52 | 0.0 | 0.0 | 255.02 | 0.0 | 0.0 | 0.0 | 255.02 | | 4 | 31 | 01 August 2025 | | 0.0 | 252.5 | 2.52 | 0.0 | 0.0 | 255.02 | 0.0 | 0.0 | 0.0 | 255.02 |
Then Loan status will be "ACTIVE" Then Loan Repayment schedule has the following data in Total row:
When Loan Pay-off is made on "05 May 2025" | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
Then Loan's all installments have obligations met | 1000.0 | 15.04 | 0.0 | 0.0 | 1015.04 | 0.0 | 0.0 | 0.0 | 1015.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
Scenario: Verify change interest rate fails on loan outside min and max set on loan product reschedule scenario - UC3 @TestRailId:C3972
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC5: change interest rate fails on loan outside min and max set on loan product
When Admin sets the business date to "01 April 2025" When Admin sets the business date to "01 April 2025"
When Admin creates a client with random data And Admin creates a client with random data
When Admin creates a fully customized loan with the following data: And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | | 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_RECALCULATION_DAILY_MIN_INT_3_MAX_INT_20 | 01 April 2025 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_MIN_INT_3_MAX_INT_20 | 01 April 2025 | 1000 | 6 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025" And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
Then Loan Transactions tab has the following data: Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | | 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "15 May 2025"
And Admin runs inline COB job for Loan
Then Loan reschedule with the following data results a 400 error and "NEW_INTEREST_RATE_IS_1_BUT_MINIMUM_IS_3" error message Then Loan reschedule with the following data results a 400 error and "NEW_INTEREST_RATE_IS_1_BUT_MINIMUM_IS_3" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 1 | | 02 May 2025 | 02 May 2025 | | | | | 1 |
Then Loan reschedule with the following data results a 400 error and "NEW_INTEREST_RATE_IS_45_BUT_MAXIMUM_IS_20" error message Then Loan reschedule with the following data results a 400 error and "NEW_INTEREST_RATE_IS_45_BUT_MAXIMUM_IS_20" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 45 | | 02 May 2025 | 02 May 2025 | | | | | 45 |
When Loan Pay-off is made on "01 April 2025" When Admin creates and approves Loan reschedule with the following data:
Then Loan's all installments have obligations met | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 751.87 | 248.13 | 5.0 | 0.0 | 0.0 | 253.13 | 0.0 | 0.0 | 0.0 | 253.13 |
| 2 | 31 | 01 June 2025 | | 504.86 | 247.01 | 8.64 | 0.0 | 0.0 | 255.65 | 0.0 | 0.0 | 0.0 | 255.65 |
| 3 | 30 | 01 July 2025 | | 254.26 | 250.6 | 5.05 | 0.0 | 0.0 | 255.65 | 0.0 | 0.0 | 0.0 | 255.65 |
| 4 | 31 | 01 August 2025 | | 0.0 | 254.26 | 2.54 | 0.0 | 0.0 | 256.8 | 0.0 | 0.0 | 0.0 | 256.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 21.23 | 0.0 | 0.0 | 1021.23 | 0.0 | 0.0 | 0.0 | 1021.23 |
@TestRailId:C3973
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC6: Minimal Interest Rate
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "05 May 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 0.01 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.01 | 249.99 | 0.01 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.01 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.01 | 0.0 | 0.0 | 0.0 | 250.01 | 0.0 | 0.0 | 0.0 | 250.01 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.01 | 0.0 | 0.0 | 1000.01 | 0.0 | 0.0 | 0.0 | 1000.01 |
@TestRailId:C3974
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC7: Single Digit Interest
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "05 May 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 1 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.23 | 249.77 | 0.65 | 0.0 | 0.0 | 250.42 | 0.0 | 0.0 | 0.0 | 250.42 |
| 3 | 30 | 01 July 2025 | | 250.23 | 250.0 | 0.42 | 0.0 | 0.0 | 250.42 | 0.0 | 0.0 | 0.0 | 250.42 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.23 | 0.21 | 0.0 | 0.0 | 250.44 | 0.0 | 0.0 | 0.0 | 250.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 1.28 | 0.0 | 0.0 | 1001.28 | 0.0 | 0.0 | 0.0 | 1001.28 |
@TestRailId:C3975
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC8: Immediate Reschedule
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin sets the business date to "02 April 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 April 2025 | 02 April 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 753.72 | 246.28 | 10.0 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 2 | 31 | 01 June 2025 | | 504.98 | 248.74 | 7.54 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 3 | 30 | 01 July 2025 | | 253.75 | 251.23 | 5.05 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 4 | 31 | 01 August 2025 | | 0.0 | 253.75 | 2.54 | 0.0 | 0.0 | 256.29 | 0.0 | 0.0 | 0.0 | 256.29 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 25.13 | 0.0 | 0.0 | 1025.13 | 0.0 | 0.0 | 0.0 | 1025.13 |
@TestRailId:C3976
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC9: Mid-Loan Reschedule with repayments
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 250.0 EUR transaction amount
When Admin sets the business date to "01 June 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 June 2025" with 250.0 EUR transaction amount
When Admin sets the business date to "05 June 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 June 2025 | 02 June 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | 01 June 2025 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 3 | 30 | 01 July 2025 | | 251.24 | 248.76 | 5.0 | 0.0 | 0.0 | 253.76 | 0.0 | 0.0 | 0.0 | 253.76 |
| 4 | 31 | 01 August 2025 | | 0.0 | 251.24 | 2.51 | 0.0 | 0.0 | 253.75 | 0.0 | 0.0 | 0.0 | 253.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 7.51 | 0.0 | 0.0 | 1007.51 | 500.0 | 0.0 | 0.0 | 507.51 |
@TestRailId:C3977
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC10: Late Stage Reschedule with repayment and overdue installment
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 250.0 EUR transaction amount
When Admin sets the business date to "01 June 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "01 July 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "05 July 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 July 2025 | 02 July 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 3.15 | 0.0 | 0.0 | 253.15 | 0.0 | 0.0 | 0.0 | 253.15 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 3.15 | 0.0 | 0.0 | 1003.15 | 250.0 | 0.0 | 0.0 | 753.15 |
@TestRailId:C3978
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC11: Sequential Rate Increases
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "05 May 2025"
And Admin runs inline COB job for Loan
# First reschedule: 0% -> 6%
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | 6 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 501.4 | 248.6 | 3.91 | 0.0 | 0.0 | 252.51 | 0.0 | 0.0 | 0.0 | 252.51 |
| 3 | 30 | 01 July 2025 | | 251.4 | 250.0 | 2.51 | 0.0 | 0.0 | 252.51 | 0.0 | 0.0 | 0.0 | 252.51 |
| 4 | 31 | 01 August 2025 | | 0.0 | 251.4 | 1.26 | 0.0 | 0.0 | 252.66 | 0.0 | 0.0 | 0.0 | 252.66 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 7.68 | 0.0 | 0.0 | 1007.68 | 0.0 | 0.0 | 0.0 | 1007.68 |
When Admin sets the business date to "01 June 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "05 June 2025"
And Admin runs inline COB job for Loan
# Second reschedule: 6% -> 12%
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 June 2025 | 02 June 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 5.0 | 0.0 | 0.0 | 252.51 | 0.0 | 0.0 | 0.0 | 252.51 |
| 3 | 30 | 01 July 2025 | | 253.79 | 248.7 | 5.69 | 0.0 | 0.0 | 254.39 | 0.0 | 0.0 | 0.0 | 254.39 |
| 4 | 31 | 01 August 2025 | | 0.0 | 253.79 | 2.54 | 0.0 | 0.0 | 256.33 | 0.0 | 0.0 | 0.0 | 256.33 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.23 | 0.0 | 0.0 | 1013.23 | 0.0 | 0.0 | 0.0 | 1013.23 |
@TestRailId:C3979
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC12: Negative Rate Validation
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
Then Loan reschedule with the following data results a 400 error and "LOAN_INTEREST_RATE_CANNOT_BE_NEGATIVE" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 May 2025 | 02 May 2025 | | | | | -1 |
@TestRailId:C3980
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC13: weekly repayments
When Admin sets the business date to "01 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | WEEKS | 1 | WEEKS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin sets the business date to "08 April 2025"
And Admin runs inline COB job for Loan
When Admin sets the business date to "10 April 2025"
And Admin runs inline COB job for Loan
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 09 April 2025 | 09 April 2025 | | | | | 12 |
Then Loan Repayment schedule has 4 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 7 | 08 April 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 7 | 15 April 2025 | | 500.75 | 249.25 | 1.92 | 0.0 | 0.0 | 251.17 | 0.0 | 0.0 | 0.0 | 251.17 |
| 3 | 7 | 22 April 2025 | | 250.75 | 250.0 | 1.17 | 0.0 | 0.0 | 251.17 | 0.0 | 0.0 | 0.0 | 251.17 |
| 4 | 7 | 29 April 2025 | | 0.0 | 250.75 | 0.59 | 0.0 | 0.0 | 251.34 | 0.0 | 0.0 | 0.0 | 251.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 3.68 | 0.0 | 0.0 | 1003.68 | 0.0 | 0.0 | 0.0 | 1003.68 |
fineract-e2e-tests-runner/src/test/resources/features/LoanRepaymentSchedule.feature
+11 -11
View File
@@ -1142,7 +1142,7 @@ Feature: Loan repayment schedule handling
And Customer makes "AUTOPAY" repayment on "18 March 2025" with 441.03 EUR transaction amount And Customer makes "AUTOPAY" repayment on "18 March 2025" with 441.03 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET" Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan has 0 outstanding amount And Loan has 0 outstanding amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1157,7 +1157,7 @@ Feature: Loan repayment schedule handling
And Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
And Customer undo "1"th "Repayment" transaction made on "18 March 2025" And Customer undo "1"th "Repayment" transaction made on "18 March 2025"
Then Loan status will be "ACTIVE" Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1171,7 +1171,7 @@ Feature: Loan repayment schedule handling
When Customer makes "AUTOPAY" repayment on "19 March 2025" with 611.04 EUR transaction amount When Customer makes "AUTOPAY" repayment on "19 March 2025" with 611.04 EUR transaction amount
Then Loan status will be "OVERPAID" Then Loan status will be "OVERPAID"
And Loan has 170.01 overpaid amount And Loan has 170.01 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1185,7 +1185,7 @@ Feature: Loan repayment schedule handling
When Admin makes Credit Balance Refund transaction on "19 March 2025" with 170.01 EUR transaction amount When Admin makes Credit Balance Refund transaction on "19 March 2025" with 170.01 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET" Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan has 0 outstanding amount And Loan has 0 outstanding amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1211,7 +1211,7 @@ Feature: Loan repayment schedule handling
When Customer makes "AUTOPAY" repayment on "19 March 2025" with 340.02 EUR transaction amount When Customer makes "AUTOPAY" repayment on "19 March 2025" with 340.02 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET" Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan has 0 outstanding amount And Loan has 0 outstanding amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1387,7 +1387,7 @@ Feature: Loan repayment schedule handling
And Customer makes "AUTOPAY" repayment on "18 March 2025" with 441.52 EUR transaction amount And Customer makes "AUTOPAY" repayment on "18 March 2025" with 441.52 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET" Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan has 0 outstanding amount And Loan has 0 outstanding amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1402,7 +1402,7 @@ Feature: Loan repayment schedule handling
And Admin runs inline COB job for Loan And Admin runs inline COB job for Loan
And Customer undo "1"th "Repayment" transaction made on "18 March 2025" And Customer undo "1"th "Repayment" transaction made on "18 March 2025"
Then Loan status will be "ACTIVE" Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1416,7 +1416,7 @@ Feature: Loan repayment schedule handling
When Customer makes "AUTOPAY" repayment on "19 March 2025" with 611.53 EUR transaction amount When Customer makes "AUTOPAY" repayment on "19 March 2025" with 611.53 EUR transaction amount
Then Loan status will be "OVERPAID" Then Loan status will be "OVERPAID"
And Loan has 170.01 overpaid amount And Loan has 170.01 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1430,7 +1430,7 @@ Feature: Loan repayment schedule handling
When Admin makes Credit Balance Refund transaction on "19 March 2025" with 170.01 EUR transaction amount When Admin makes Credit Balance Refund transaction on "19 March 2025" with 170.01 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET" Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan has 0 outstanding amount And Loan has 0 outstanding amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1456,7 +1456,7 @@ Feature: Loan repayment schedule handling
When Customer makes "AUTOPAY" repayment on "19 March 2025" with 340.02 EUR transaction amount When Customer makes "AUTOPAY" repayment on "19 March 2025" with 340.02 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET" Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan has 0 outstanding amount And Loan has 0 outstanding amount
Then Loan Repayment schedule has 3 periods, with the following data for periods: And Loan Repayment schedule has 3 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 | | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 | | 1 | 31 | 01 February 2025 | 15 January 2025 | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 340.02 | 340.02 | 0.0 | 0.0 |
@@ -1466,7 +1466,7 @@ Feature: Loan repayment schedule handling
And Loan Repayment schedule has the following data in Total row: And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1790.02 | 23.07 | 0.0 | 0.0 | 1813.09 | 1813.09 | 1371.56 | 441.53 | 0.0 | | 1790.02 | 23.07 | 0.0 | 0.0 | 1813.09 | 1813.09 | 1371.56 | 441.53 | 0.0 |
Then Loan Transactions tab has the following data: And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 January 2025 | Accrual | 0.32 | 0.0 | 0.32 | 0.0 | 0.0 | 0.0 | false | false | | 02 January 2025 | Accrual | 0.32 | 0.0 | 0.32 | 0.0 | 0.0 | 0.0 | false | false |