FINERACT-2317: added e2e test to verify inclusion of capitalized income and buy down fee in available disbursement calculation
This commit is contained in:
Rustam Zeinalov
committed by
Adam Saghy
Adam Saghy
parent
25b440b842
commit
2cc0cda1a6
@@ -7434,3 +7434,98 @@ Feature: Capitalized Income
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| Type | Account code | Account name | Debit | Credit |
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| INCOME | 404000 | Interest Income | 5.26 | |
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| LIABILITY | 145024 | Deferred Capitalized Income | | 5.26 |
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@TestRailId:C3899
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Scenario: Verify available disbursement amount should consider calculation with capitalized income
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| 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 |
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| LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024"
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# Available amount = 1000 - 500 - 0 - 0 = 500
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And Admin successfully disburse the loan on "1 January 2024" with "500" EUR transaction amount
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Then Loan status will be "ACTIVE"
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And Loan's available disbursement amount is "500.0"
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When Admin sets the business date to "2 January 2024"
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# Available amount = 1000 - 500 - 200 - 0 = 300
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And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "200" EUR transaction amount
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Then Loan's available disbursement amount is "300.0"
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# This should succeed as 300 <= 300
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When Admin successfully disburse the loan on "2 January 2024" with "300" EUR transaction amount
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# Available amount = 1000 - 800 - 200 - 0 = 0
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Then Loan's available disbursement amount is "0.0"
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@TestRailId:C3913
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Scenario: Verify available disbursement amount calculation with multiple capitalized income transactions
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| 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 |
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| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSAL_CAPITALIZED_INCOME | 01 January 2024 | 2000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "2000" amount and expected disbursement date on "1 January 2024"
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# Available amount = 2000 - 1000 - 0 - 0 = 1000
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And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount
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Then Loan status will be "ACTIVE"
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And Loan's available disbursement amount is "1000.0"
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When Admin sets the business date to "2 January 2024"
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# Available amount = 2000 - 1000 - 300 - 0 = 700
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And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "300" EUR transaction amount
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Then Loan's available disbursement amount is "700.0"
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When Admin sets the business date to "3 January 2024"
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# Available amount = 2000 - 1000 - 300 - 200 - 0 = 500
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And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "3 January 2024" with "200" EUR transaction amount
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Then Loan's available disbursement amount is "500.0"
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# Available amount = 2000 - 1000 - 500 - 0 = 500
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When Admin successfully disburse the loan on "3 January 2024" with "400" EUR transaction amount
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# Available amount = 2000 - 1400 - 500 - 0 = 100
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Then Loan's available disbursement amount is "100.0"
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When Admin adds capitalized income with "AUTOPAY" payment type to the loan on "3 January 2024" with "100" EUR transaction amount
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# Available amount = 2000 - 1400 - 600 - 0 = 0
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Then Loan's available disbursement amount is "0.0"
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@TestRailId:C3914
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Scenario: Verify available disbursement amount calculation after capitalized income adjustment
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| 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 |
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| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSAL_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024"
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# Available amount = 1000 - 600 - 0 - 0 = 400
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And Admin successfully disburse the loan on "1 January 2024" with "600" EUR transaction amount
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Then Loan status will be "ACTIVE"
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And Loan's available disbursement amount is "400.0"
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When Admin sets the business date to "2 January 2024"
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# Available amount = 1000 - 600 - 300 - 0 = 100
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And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "300" EUR transaction amount
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Then Loan's available disbursement amount is "100.0"
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# Add capitalized income adjustment to increase available amount
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When Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "2 January 2024" with "150" EUR transaction amount
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# Available amount = 1000 - 600 - (300-150) - 0 = 250
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Then Loan's available disbursement amount is "250.0"
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When Admin successfully disburse the loan on "2 January 2024" with "250" EUR transaction amount
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# Available amount = 1000 - 850 - 150 - 0 = 0
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Then Loan's available disbursement amount is "0.0"
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@TestRailId:C3915
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Scenario: Verify available disbursement amount calculation with over applied amount configuration
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| 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 | charge calculation type | charge amount % |
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| LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 10 |
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And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024"
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# With 10% over applied: max disbursable = 1000 * 1.10 = 1100
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# But available amount = 1200 - 700 - 0 - 0 = 500
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And Admin successfully disburse the loan on "1 January 2024" with "700" EUR transaction amount
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Then Loan status will be "ACTIVE"
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And Loan's available disbursement amount is "500.0"
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When Admin sets the business date to "2 January 2024"
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# Available amount = 1200 - 700 - 200 - 0 = 300
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And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "200" EUR transaction amount
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Then Loan's available disbursement amount is "300.0"
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# This should succeed as total = 700 + 300 + 200 = 1200
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When Admin successfully disburse the loan on "2 January 2024" with "300" EUR transaction amount
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# Available amount = 1200 - 900 - 300 - 0 = 0
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Then Loan's available disbursement amount is "0.0"
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