FINERACT-2317: Include capitalized income and buy down fee in available disbursement calculation

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/service/DelinquencyReadPlatformServiceImpl.java

@@ -58,6 +58,7 @@ import org.apache.fineract.portfolio.loanaccount.data.InstallmentLevelDelinquenc
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanRepository;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
 import org.springframework.lang.NonNull;
@@ -149,10 +150,7 @@ public class DelinquencyReadPlatformServiceImpl implements DelinquencyReadPlatfo
             // Overpaid
             // loans
             collectionData = loanDelinquencyDomainService.getOverdueCollectionData(loan, effectiveDelinquencyList);
-            // Ensure availableDisbursementAmount is never negative
+            collectionData.setAvailableDisbursementAmount(calculateAvailableDisbursementAmount(loan));
-            final BigDecimal availableAmount = loan.getApprovedPrincipal().subtract(loan.getDisbursedAmount());
-            collectionData
-                    .setAvailableDisbursementAmount(availableAmount.compareTo(BigDecimal.ZERO) < 0 ? BigDecimal.ZERO : availableAmount);
             collectionData.setNextPaymentDueDate(possibleNextRepaymentDate(nextPaymentDueDateConfig, loan));
 
             final LoanTransaction lastPayment = loan.getLastPaymentTransaction();
@@ -177,6 +175,22 @@ public class DelinquencyReadPlatformServiceImpl implements DelinquencyReadPlatfo
         return collectionData;
     }
 
+    private BigDecimal calculateAvailableDisbursementAmount(@NonNull final Loan loan) {
+        BigDecimal availableDisbursementAmount = loan.getApprovedPrincipal().subtract(loan.getDisbursedAmount());
+        if (loan.getLoanRepaymentScheduleDetail().isEnableIncomeCapitalization()) {
+            final LoanSummary loanSummary = loan.getSummary();
+            if (loanSummary != null) {
+                final BigDecimal totalCapitalizedIncome = MathUtil.nullToZero(loanSummary.getTotalCapitalizedIncome());
+                final BigDecimal totalCapitalizedIncomeAdjustment = MathUtil.nullToZero(loanSummary.getTotalCapitalizedIncomeAdjustment());
+                final BigDecimal netCapitalizedIncome = totalCapitalizedIncome.subtract(totalCapitalizedIncomeAdjustment);
+                availableDisbursementAmount = availableDisbursementAmount.subtract(netCapitalizedIncome);
+            }
+        }
+
+        // Ensure availableDisbursementAmount is never negative
+        return availableDisbursementAmount.compareTo(BigDecimal.ZERO) < 0 ? BigDecimal.ZERO : availableDisbursementAmount;
+    }
+
     private void addInstallmentLevelDelinquencyData(CollectionData collectionData, Long loanId) {
         Collection<LoanInstallmentDelinquencyTagData> loanInstallmentDelinquencyTagData = retrieveLoanInstallmentsCurrentDelinquencyTag(
                 loanId);

fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/service/CapitalizedIncomeWritePlatformServiceImpl.java

@@ -164,7 +164,7 @@ public class CapitalizedIncomeWritePlatformServiceImpl implements CapitalizedInc
                 .setAmountAdjustment(MathUtil.nullToZero(capitalizedIncomeBalance.getAmountAdjustment()).add(transactionAmount));
         capitalizedIncomeBalance.setUnrecognizedAmount(
                 MathUtil.negativeToZero(capitalizedIncomeBalance.getUnrecognizedAmount().subtract(transactionAmount)));
-        capitalizedIncomeBalanceRepository.save(capitalizedIncomeBalance);
+        capitalizedIncomeBalanceRepository.saveAndFlush(capitalizedIncomeBalance);
 
         loanLifecycleStateMachine.determineAndTransition(loan, transactionDate);
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/serialization/LoanDisbursementValidator.java

@@ -22,6 +22,7 @@ import java.math.BigDecimal;
 import java.time.LocalDate;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.core.service.MathUtil;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.exception.InvalidLoanStateTransitionException;
 import org.apache.fineract.portfolio.loanaccount.exception.LoanDisbursalException;
@@ -35,15 +36,18 @@ public final class LoanDisbursementValidator {
 
     public void compareDisbursedToApprovedOrProposedPrincipal(final Loan loan, final BigDecimal disbursedAmount,
             final BigDecimal totalDisbursed) {
-        final BigDecimal capitalizedIncome = loan.getSummary().getTotalCapitalizedIncome();
+        final BigDecimal totalCapitalizedIncome = loan.getSummary().getTotalCapitalizedIncome();
+        final BigDecimal totalCapitalizedIncomeAdjustment = MathUtil.nullToZero(loan.getSummary().getTotalCapitalizedIncomeAdjustment());
+        final BigDecimal netCapitalizedIncome = totalCapitalizedIncome.subtract(totalCapitalizedIncomeAdjustment);
+
         if (loan.loanProduct().isDisallowExpectedDisbursements() && loan.loanProduct().isAllowApprovedDisbursedAmountsOverApplied()) {
-            validateOverMaximumAmount(loan, totalDisbursed, capitalizedIncome);
+            validateOverMaximumAmount(loan, totalDisbursed, netCapitalizedIncome);
         } else {
             if (loan.loanProduct().isAllowApprovedDisbursedAmountsOverApplied()) {
-                validateOverMaximumAmount(loan, disbursedAmount, capitalizedIncome);
+                validateOverMaximumAmount(loan, disbursedAmount, netCapitalizedIncome);
             } else {
                 if ((totalDisbursed.compareTo(loan.getApprovedPrincipal()) > 0)
-                        || (totalDisbursed.add(capitalizedIncome).compareTo(loan.getApprovedPrincipal()) > 0)) {
+                        || (totalDisbursed.add(netCapitalizedIncome).compareTo(loan.getApprovedPrincipal()) > 0)) {
                     final String errorMsg = "Loan can't be disbursed, disburse amount is exceeding approved principal.";
                     throw new LoanDisbursalException(errorMsg, "disburse.amount.must.be.less.than.approved.principal", totalDisbursed,
                             loan.getApprovedPrincipal());
@@ -65,15 +69,6 @@ public final class LoanDisbursementValidator {
         }
     }
 
-    public void validateDisburseAmountNotExceedingApprovedAmount(final Loan loan, final BigDecimal diff,
-            final BigDecimal principalDisbursed) {
-        if (!loan.loanProduct().isMultiDisburseLoan() && diff.compareTo(BigDecimal.ZERO) < 0) {
-            final String errorMsg = "Loan can't be disbursed,disburse amount is exceeding approved amount ";
-            throw new LoanDisbursalException(errorMsg, "disburse.amount.must.be.less.than.approved.amount", principalDisbursed,
-                    loan.getLoanRepaymentScheduleDetail().getPrincipal().getAmount());
-        }
-    }
-
     public void validateDisburseDate(final Loan loan, final LocalDate disbursedOn, final LocalDate expectedDate) {
         if (expectedDate != null
                 && (DateUtils.isAfter(disbursedOn, loan.fetchRepaymentScheduleInstallment(1).getDueDate())

fineract-provider/src/test/java/org/apache/fineract/infrastructure/event/external/service/serialization/serializer/loan/LoanAccountDelinquencyRangeEventSerializerTest.java

@@ -100,6 +100,7 @@ import org.apache.fineract.portfolio.loanaccount.service.LoanChargeService;
 import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
 import org.apache.fineract.portfolio.loanaccount.service.LoanTransactionProcessingService;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanProductRelatedDetail;
 import org.junit.jupiter.api.AfterEach;
 import org.junit.jupiter.api.BeforeEach;
 import org.junit.jupiter.api.Test;
@@ -367,9 +368,14 @@ public class LoanAccountDelinquencyRangeEventSerializerTest {
 
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
         when(loanProduct.isMultiDisburseLoan()).thenReturn(false);
+
+        LoanProductRelatedDetail loanProductRelatedDetail = Mockito.mock(LoanProductRelatedDetail.class);
+        when(loanProductRelatedDetail.isEnableIncomeCapitalization()).thenReturn(false);
+
         Loan loan = Mockito.spy(Loan.class);
         ReflectionTestUtils.setField(loan, "loanProduct", loanProduct);
         ReflectionTestUtils.setField(loan, "loanStatus", LoanStatus.ACTIVE);
+        when(loan.getLoanRepaymentScheduleDetail()).thenReturn(loanProductRelatedDetail);
         LoanTransaction transaction1 = Mockito.mock(LoanTransaction.class);
         LoanTransaction transaction2 = Mockito.mock(LoanTransaction.class);
         CollectionData collectionData = Mockito.mock(CollectionData.class);