FINERACT-1958-Configuration-down-payment

2023-08-07 15:27:00 +02:00
parent 7559e90ce2
commit 315f62d8dc
19 changed files with 573 additions and 27 deletions
@@ -1074,6 +1074,10 @@ final class LoansApiResourceSwagger {
        public Boolean chargedOff;
        @Schema(example = "3")
        public Integer inArrearsTolerance;
+        @Schema(example = "false")
+        public Boolean enableDownPayment;
+        @Schema(example = "0.000000")
+        public BigDecimal disbursedAmountPercentageForDownPayment;
    }

    @Schema(description = "GetLoansResponse")
@@ -256,6 +256,9 @@ public class LoanAccountData {
    private LocalDate lastClosedBusinessDate;
    private Boolean chargedOff;

+    private Boolean enableDownPayment;
+    private BigDecimal disbursedAmountPercentageForDownPayment;
+
    public static LoanAccountData importInstanceIndividual(EnumOptionData loanTypeEnumOption, Long clientId, Long productId,
            Long loanOfficerId, LocalDate submittedOnDate, Long fundId, BigDecimal principal, Integer numberOfRepayments,
            Integer repaymentEvery, EnumOptionData repaidEveryFrequencyEnums, Integer loanTermFrequency,
@@ -656,7 +659,8 @@ public class LoanAccountData {
            final boolean canUseForTopup, final boolean isTopup, final Long closureLoanId, final String closureLoanAccountNo,
            final BigDecimal topupAmount, final boolean isEqualAmortization, final BigDecimal fixedPrincipalPercentagePerInstallment,
            final DelinquencyRangeData delinquencyRange, final boolean disallowExpectedDisbursements, final boolean fraud,
-            LocalDate lastClosedBusinessDate, LocalDate overpaidOnDate, final boolean chargedOff) {
+            LocalDate lastClosedBusinessDate, LocalDate overpaidOnDate, final boolean chargedOff, final boolean enableDownPayment,
+            final BigDecimal disbursedAmountPercentageForDownPayment) {

        final CollectionData delinquent = CollectionData.template();

@@ -696,7 +700,9 @@ public class LoanAccountData {
                .setClosureLoanAccountNo(closureLoanAccountNo).setTopupAmount(topupAmount).setIsEqualAmortization(isEqualAmortization)
                .setFixedPrincipalPercentagePerInstallment(fixedPrincipalPercentagePerInstallment).setDelinquent(delinquent)
                .setDelinquencyRange(delinquencyRange).setDisallowExpectedDisbursements(disallowExpectedDisbursements).setFraud(fraud)
-                .setLastClosedBusinessDate(lastClosedBusinessDate).setOverpaidOnDate(overpaidOnDate).setChargedOff(chargedOff);
+                .setLastClosedBusinessDate(lastClosedBusinessDate).setOverpaidOnDate(overpaidOnDate).setChargedOff(chargedOff)
+                .setEnableDownPayment(enableDownPayment)
+                .setDisbursedAmountPercentageForDownPayment(disbursedAmountPercentageForDownPayment);
    }

    /*
@@ -781,7 +787,8 @@ public class LoanAccountData {
                .setFixedPrincipalPercentagePerInstallment(acc.fixedPrincipalPercentagePerInstallment)
                .setDelinquencyRange(acc.delinquencyRange).setDisallowExpectedDisbursements(acc.disallowExpectedDisbursements)
                .setFraud(acc.fraud).setLastClosedBusinessDate(acc.getLastClosedBusinessDate()).setOverpaidOnDate(acc.overpaidOnDate)
-                .setChargedOff(acc.chargedOff);
+                .setChargedOff(acc.chargedOff).setEnableDownPayment(acc.enableDownPayment)
+                .setDisbursedAmountPercentageForDownPayment(acc.disbursedAmountPercentageForDownPayment);
    }

    public static LoanAccountData associationsAndTemplate(final LoanAccountData acc, final Collection<LoanProductData> productOptions,
@@ -449,6 +449,13 @@ public class LoanScheduleAssembler {
                .isInterestToBeRecoveredFirstWhenGreaterThanEMI();
        final boolean isPrincipalCompoundingDisabledForOverdueLoans = this.configurationDomainService
                .isPrincipalCompoundingDisabledForOverdueLoans();
+
+        final boolean isDownPaymentEnabled = loanProduct.getLoanProductRelatedDetail().isEnableDownPayment();
+        BigDecimal disbursedAmountPercentageForDownPayment = null;
+        if (isDownPaymentEnabled) {
+            disbursedAmountPercentageForDownPayment = loanProduct.getLoanProductRelatedDetail()
+                    .getDisbursedAmountPercentageForDownPayment();
+        }
        return LoanApplicationTerms.assembleFrom(applicationCurrency, loanTermFrequency, loanTermPeriodFrequencyType, numberOfRepayments,
                repaymentEvery, repaymentPeriodFrequencyType, nthDay, weekDayType, amortizationMethod, interestMethod,
                interestRatePerPeriod, interestRatePeriodFrequencyType, annualNominalInterestRate, interestCalculationPeriodMethod,
@@ -461,7 +468,8 @@ public class LoanScheduleAssembler {
                installmentAmountInMultiplesOf, loanProduct.preCloseInterestCalculationStrategy(), calendar, BigDecimal.ZERO,
                loanTermVariations, isInterestChargedFromDateSameAsDisbursalDateEnabled, numberOfDays, isSkipMeetingOnFirstDay, detailDTO,
                allowCompoundingOnEod, isEqualAmortization, isInterestToBeRecoveredFirstWhenGreaterThanEMI,
-                fixedPrincipalPercentagePerInstallment, isPrincipalCompoundingDisabledForOverdueLoans);
+                fixedPrincipalPercentagePerInstallment, isPrincipalCompoundingDisabledForOverdueLoans, isDownPaymentEnabled,
+                disbursedAmountPercentageForDownPayment);
    }

    private CalendarInstance createCalendarForSameAsRepayment(final Integer repaymentEvery,
@@ -693,7 +693,7 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
                    + " lp.can_use_for_topup as canUseForTopup, l.is_topup as isTopup, topup.closure_loan_id as closureLoanId, "
                    + " l.total_recovered_derived as totalRecovered, topuploan.account_no as closureLoanAccountNo, "
                    + " topup.topup_amount as topupAmount, l.last_closed_business_date as lastClosedBusinessDate,l.overpaidon_date as overpaidOnDate, "
-                    + " l.is_charged_off as isChargedOff, l.charge_off_reason_cv_id as chargeOffReasonId, codec.code_value as chargeOffReason, l.charged_off_on_date as chargedOffOnDate, "
+                    + " l.is_charged_off as isChargedOff, l.charge_off_reason_cv_id as chargeOffReasonId, codec.code_value as chargeOffReason, l.charged_off_on_date as chargedOffOnDate, l.enable_down_payment as enableDownPayment, l.disbursed_amount_percentage_for_down_payment as disbursedAmountPercentageForDownPayment, "
                    + " cobu.username as chargedOffByUsername, cobu.firstname as chargedOffByFirstname, cobu.lastname as chargedOffByLastname "
                    + " from m_loan l" //
                    + " join m_product_loan lp on lp.id = l.product_id" //
@@ -1037,6 +1037,9 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
            final LocalDate lastClosedBusinessDate = JdbcSupport.getLocalDate(rs, "lastClosedBusinessDate");
            final LocalDate overpaidOnDate = JdbcSupport.getLocalDate(rs, "overpaidOnDate");

+            final boolean enableDownPayment = rs.getBoolean("enableDownPayment");
+            final BigDecimal disbursedAmountPercentageForDownPayment = rs.getBigDecimal("disbursedAmountPercentageForDownPayment");
+
            return LoanAccountData.basicLoanDetails(id, accountNo, status, externalId, clientId, clientAccountNo, clientName,
                    clientOfficeId, clientExternalId, groupData, loanType, loanProductId, loanProductName, loanProductDescription,
                    isLoanProductLinkedToFloatingRate, fundId, fundName, loanPurposeId, loanPurposeName, loanOfficerId, loanOfficerName,
@@ -1052,7 +1055,7 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
                    createStandingInstructionAtDisbursement, isvariableInstallmentsAllowed, minimumGap, maximumGap, loanSubStatus,
                    canUseForTopup, isTopup, closureLoanId, closureLoanAccountNo, topupAmount, isEqualAmortization,
                    fixedPrincipalPercentagePerInstallment, delinquencyRange, disallowExpectedDisbursements, isFraud,
-                    lastClosedBusinessDate, overpaidOnDate, isChargedOff);
+                    lastClosedBusinessDate, overpaidOnDate, isChargedOff, enableDownPayment, disbursedAmountPercentageForDownPayment);
        }
    }

@@ -111,7 +111,8 @@ public class LoanProductsApiResource {
            "defaultDifferentialLendingRate", "maxDifferentialLendingRate", "isFloatingInterestRateCalculationAllowed",
            LoanProductConstants.CAN_USE_FOR_TOPUP, LoanProductConstants.IS_EQUAL_AMORTIZATION_PARAM, LoanProductConstants.RATES_PARAM_NAME,
            LoanApiConstants.fixedPrincipalPercentagePerInstallmentParamName, LoanProductConstants.DUE_DAYS_FOR_REPAYMENT_EVENT,
-            LoanProductConstants.OVER_DUE_DAYS_FOR_REPAYMENT_EVENT));
+            LoanProductConstants.OVER_DUE_DAYS_FOR_REPAYMENT_EVENT, LoanProductConstants.ENABLE_DOWN_PAYMENT,
+            LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT));

    private static final Set<String> PRODUCT_MIX_DATA_PARAMETERS = new HashSet<>(
            Arrays.asList("productId", "productName", "restrictedProducts", "allowedProducts", "productOptions"));
@@ -146,7 +147,7 @@ public class LoanProductsApiResource {
    @Operation(summary = "Create a Loan Product", description = "Depending of the Accounting Rule (accountingRule) selected, additional fields with details of the appropriate Ledger Account identifiers would need to be passed in.\n"
            + "\n" + "Refer MifosX Accounting Specs Draft for more details regarding the significance of the selected accounting rule\n\n"
            + "Mandatory Fields: name, shortName, currencyCode, digitsAfterDecimal, inMultiplesOf, principal, numberOfRepayments, repaymentEvery, repaymentFrequencyType, interestRatePerPeriod, interestRateFrequencyType, amortizationType, interestType, interestCalculationPeriodType, transactionProcessingStrategyCode, accountingRule, isInterestRecalculationEnabled, daysInYearType, daysInMonthType\n\n"
-            + "Optional Fields: inArrearsTolerance, graceOnPrincipalPayment, graceOnInterestPayment, graceOnInterestCharged, graceOnArrearsAgeing, charges, paymentChannelToFundSourceMappings, feeToIncomeAccountMappings, penaltyToIncomeAccountMappings, includeInBorrowerCycle, useBorrowerCycle,principalVariationsForBorrowerCycle, numberOfRepaymentVariationsForBorrowerCycle, interestRateVariationsForBorrowerCycle, multiDisburseLoan,maxTrancheCount, outstandingLoanBalance,overdueDaysForNPA,holdGuaranteeFunds, principalThresholdForLastInstalment, accountMovesOutOfNPAOnlyOnArrearsCompletion, canDefineInstallmentAmount, installmentAmountInMultiplesOf, allowAttributeOverrides, allowPartialPeriodInterestCalcualtion,dueDaysForRepaymentEvent,overDueDaysForRepaymentEvent\n\n"
+            + "Optional Fields: inArrearsTolerance, graceOnPrincipalPayment, graceOnInterestPayment, graceOnInterestCharged, graceOnArrearsAgeing, charges, paymentChannelToFundSourceMappings, feeToIncomeAccountMappings, penaltyToIncomeAccountMappings, includeInBorrowerCycle, useBorrowerCycle,principalVariationsForBorrowerCycle, numberOfRepaymentVariationsForBorrowerCycle, interestRateVariationsForBorrowerCycle, multiDisburseLoan,maxTrancheCount, outstandingLoanBalance,overdueDaysForNPA,holdGuaranteeFunds, principalThresholdForLastInstalment, accountMovesOutOfNPAOnlyOnArrearsCompletion, canDefineInstallmentAmount, installmentAmountInMultiplesOf, allowAttributeOverrides, allowPartialPeriodInterestCalcualtion,dueDaysForRepaymentEvent,overDueDaysForRepaymentEvent,enableDownPayment,disbursedAmountPercentageDownPayment\n\n"
            + "Additional Mandatory Fields for Cash(2) based accounting: fundSourceAccountId, loanPortfolioAccountId, interestOnLoanAccountId, incomeFromFeeAccountId, incomeFromPenaltyAccountId, writeOffAccountId, transfersInSuspenseAccountId, overpaymentLiabilityAccountId\n\n"
            + "Additional Mandatory Fields for periodic (3) and upfront (4)accrual accounting: fundSourceAccountId, loanPortfolioAccountId, interestOnLoanAccountId, incomeFromFeeAccountId, incomeFromPenaltyAccountId, writeOffAccountId, receivableInterestAccountId, receivableFeeAccountId, receivablePenaltyAccountId, transfersInSuspenseAccountId, overpaymentLiabilityAccountId\n\n"
            + "Additional Mandatory Fields if interest recalculation is enabled(true): interestRecalculationCompoundingMethod, rescheduleStrategyMethod, recalculationRestFrequencyType\n\n"
@@ -155,6 +155,10 @@ final class LoanProductsApiResourceSwagger {
        public Integer dueDaysForRepaymentEvent;
        @Schema(example = "3")
        public Integer overDueDaysForRepaymentEvent;
+        @Schema(example = "false")
+        public Boolean enableDownPayment;
+        @Schema(example = "5.5")
+        public BigDecimal disbursedAmountPercentageForDownPayment;

        // Interest Recalculation
        @Schema(example = "false")
@@ -1203,6 +1207,10 @@ final class LoanProductsApiResourceSwagger {
        public Integer overDueDaysForRepaymentEvent;
        @Schema(example = "3")
        public Integer inArrearsTolerance;
+        @Schema(example = "false")
+        public Boolean enableDownPayment;
+        @Schema(example = "5.5")
+        public BigDecimal disbursedAmountPercentageForDownPayment;
    }

    @Schema(description = "PutLoanProductsProductIdRequest")
@@ -1324,6 +1332,10 @@ final class LoanProductsApiResourceSwagger {
        public Integer dueDaysForRepaymentEvent;
        @Schema(example = "3")
        public Integer overDueDaysForRepaymentEvent;
+        @Schema(example = "false")
+        public Boolean enableDownPayment;
+        @Schema(example = "5.5")
+        public BigDecimal disbursedAmountPercentageForDownPayment;

        // Interest Recalculation
        @Schema(example = "false")
@@ -193,6 +193,9 @@ public class LoanProductData implements Serializable {
    private final Integer dueDaysForRepaymentEvent;
    private final Integer overDueDaysForRepaymentEvent;

+    private final boolean enableDownPayment;
+    private final BigDecimal disbursedAmountPercentageForDownPayment;
+
    /**
     * Used when returning lookup information about loan product for dropdowns.
     */
@@ -281,6 +284,8 @@ public class LoanProductData implements Serializable {
        final DelinquencyBucketData delinquencyBucket = null;
        final Integer dueDaysForRepaymentEvent = null;
        final Integer overDueDaysForRepaymentEvent = null;
+        final boolean enableDownPayment = false;
+        final BigDecimal disbursedAmountPercentageDownPayment = null;

        return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -299,7 +304,7 @@ public class LoanProductData implements Serializable {
                maxDifferentialLendingRate, isFloatingInterestRateCalculationAllowed, isVariableInstallmentsAllowed, minimumGap, maximumGap,
                syncExpectedWithDisbursementDate, canUseForTopup, isEqualAmortization, rateOptions, rates, isRatesEnabled,
                fixedPrincipalPercentagePerInstallment, delinquencyBucketOptions, delinquencyBucket, dueDaysForRepaymentEvent,
-                overDueDaysForRepaymentEvent);
+                overDueDaysForRepaymentEvent, enableDownPayment, disbursedAmountPercentageDownPayment);

    }

@@ -389,6 +394,8 @@ public class LoanProductData implements Serializable {
        final DelinquencyBucketData delinquencyBucket = null;
        final Integer dueDaysForRepaymentEvent = null;
        final Integer overDueDaysForRepaymentEvent = null;
+        final boolean enableDownPayment = false;
+        final BigDecimal disbursedAmountPercentageDownPayment = null;

        return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -407,7 +414,7 @@ public class LoanProductData implements Serializable {
                maxDifferentialLendingRate, isFloatingInterestRateCalculationAllowed, isVariableInstallmentsAllowed, minimumGap, maximumGap,
                syncExpectedWithDisbursementDate, canUseForTopup, isEqualAmortization, rateOptions, rates, isRatesEnabled,
                fixedPrincipalPercentagePerInstallment, delinquencyBucketOptions, delinquencyBucket, dueDaysForRepaymentEvent,
-                overDueDaysForRepaymentEvent);
+                overDueDaysForRepaymentEvent, enableDownPayment, disbursedAmountPercentageDownPayment);

    }

@@ -504,6 +511,8 @@ public class LoanProductData implements Serializable {
        final DelinquencyBucketData delinquencyBucket = null;
        final Integer dueDaysForRepaymentEvent = null;
        final Integer overDueDaysForRepaymentEvent = null;
+        final boolean enableDownPayment = false;
+        final BigDecimal disbursedAmountPercentageDownPayment = null;

        return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -522,7 +531,7 @@ public class LoanProductData implements Serializable {
                maxDifferentialLendingRate, isFloatingInterestRateCalculationAllowed, isVariableInstallmentsAllowed, minimumGap, maximumGap,
                syncExpectedWithDisbursementDate, canUseForTopup, isEqualAmortization, rateOptions, rates, isRatesEnabled,
                fixedPrincipalPercentagePerInstallment, delinquencyBucketOptions, delinquencyBucket, dueDaysForRepaymentEvent,
-                overDueDaysForRepaymentEvent);
+                overDueDaysForRepaymentEvent, enableDownPayment, disbursedAmountPercentageDownPayment);

    }

@@ -613,6 +622,8 @@ public class LoanProductData implements Serializable {
        final DelinquencyBucketData delinquencyBucket = null;
        final Integer dueDaysForRepaymentEvent = null;
        final Integer overDueDaysForRepaymentEvent = null;
+        final boolean enableDownPayment = false;
+        final BigDecimal disbursedAmountPercentageDownPayment = null;

        return new LoanProductData(id, name, shortName, description, currency, principal, minPrincipal, maxPrincipal, tolerance,
                numberOfRepayments, minNumberOfRepayments, maxNumberOfRepayments, repaymentEvery, interestRatePerPeriod,
@@ -631,7 +642,7 @@ public class LoanProductData implements Serializable {
                maxDifferentialLendingRate, isFloatingInterestRateCalculationAllowed, isVariableInstallmentsAllowed, minimumGap, maximumGap,
                syncExpectedWithDisbursementDate, canUseForTopup, isEqualAmortization, rateOptions, rates, isRatesEnabled,
                fixedPrincipalPercentagePerInstallment, delinquencyBucketOptions, delinquencyBucket, dueDaysForRepaymentEvent,
-                overDueDaysForRepaymentEvent);
+                overDueDaysForRepaymentEvent, enableDownPayment, disbursedAmountPercentageDownPayment);

    }

@@ -678,7 +689,8 @@ public class LoanProductData implements Serializable {
            Collection<RateData> rateOptions, Collection<RateData> rates, final boolean isRatesEnabled,
            final BigDecimal fixedPrincipalPercentagePerInstallment, final Collection<DelinquencyBucketData> delinquencyBucketOptions,
            final DelinquencyBucketData delinquencyBucket, final Integer dueDaysForRepaymentEvent,
-            final Integer overDueDaysForRepaymentEvent) {
+            final Integer overDueDaysForRepaymentEvent, final boolean enableDownPayment,
+            final BigDecimal disbursedAmountPercentageForDownPayment) {
        this.id = id;
        this.name = name;
        this.shortName = shortName;
@@ -796,6 +808,8 @@ public class LoanProductData implements Serializable {
        this.delinquencyBucket = delinquencyBucket;
        this.dueDaysForRepaymentEvent = dueDaysForRepaymentEvent;
        this.overDueDaysForRepaymentEvent = overDueDaysForRepaymentEvent;
+        this.enableDownPayment = enableDownPayment;
+        this.disbursedAmountPercentageForDownPayment = disbursedAmountPercentageForDownPayment;
    }

    public LoanProductData(final LoanProductData productData, final Collection<ChargeData> chargeOptions,
@@ -947,6 +961,8 @@ public class LoanProductData implements Serializable {
        this.delinquencyBucket = productData.delinquencyBucket;
        this.dueDaysForRepaymentEvent = productData.dueDaysForRepaymentEvent;
        this.overDueDaysForRepaymentEvent = productData.overDueDaysForRepaymentEvent;
+        this.enableDownPayment = productData.enableDownPayment;
+        this.disbursedAmountPercentageForDownPayment = productData.disbursedAmountPercentageForDownPayment;
    }

    private Collection<ChargeData> nullIfEmpty(final Collection<ChargeData> charges) {
@@ -159,7 +159,8 @@ public final class LoanProductDataValidator {
            LoanProductConstants.fixedPrincipalPercentagePerInstallmentParamName, LoanProductConstants.DISALLOW_EXPECTED_DISBURSEMENTS,
            LoanProductConstants.ALLOW_APPROVED_DISBURSED_AMOUNTS_OVER_APPLIED, LoanProductConstants.OVER_APPLIED_CALCULATION_TYPE,
            LoanProductConstants.OVER_APPLIED_NUMBER, LoanProductConstants.DELINQUENCY_BUCKET_PARAM_NAME,
-            LoanProductConstants.DUE_DAYS_FOR_REPAYMENT_EVENT, LoanProductConstants.OVER_DUE_DAYS_FOR_REPAYMENT_EVENT));
+            LoanProductConstants.DUE_DAYS_FOR_REPAYMENT_EVENT, LoanProductConstants.OVER_DUE_DAYS_FOR_REPAYMENT_EVENT,
+            LoanProductConstants.ENABLE_DOWN_PAYMENT, LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT));

    private static final String[] SUPPORTED_LOAN_CONFIGURABLE_ATTRIBUTES = { LoanProductConstants.amortizationTypeParamName,
            LoanProductConstants.interestTypeParamName, LoanProductConstants.transactionProcessingStrategyCodeParamName,
@@ -744,9 +745,38 @@ public final class LoanProductDataValidator {
        baseDataValidator.reset().parameter(LoanProductConstants.OVER_DUE_DAYS_FOR_REPAYMENT_EVENT).value(overDueDaysForRepaymentEvent)
                .integerZeroOrGreater();

+        if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.ENABLE_DOWN_PAYMENT, element)) {
+            final Boolean enableDownPayment = this.fromApiJsonHelper.extractBooleanNamed(LoanProductConstants.ENABLE_DOWN_PAYMENT, element);
+            baseDataValidator.reset().parameter(LoanProductConstants.ENABLE_DOWN_PAYMENT).value(enableDownPayment).ignoreIfNull()
+                    .validateForBooleanValue();
+            validateDownPaymentPercentage(enableDownPayment, baseDataValidator, element);
+        }
+
        throwExceptionIfValidationWarningsExist(dataValidationErrors);
    }

+    private void validateDownPaymentPercentage(Boolean enableDownPayment, DataValidatorBuilder baseDataValidator, JsonElement element) {
+        if (enableDownPayment) {
+            if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT, element)) {
+                BigDecimal disbursedAmountPercentageDownPayment = this.fromApiJsonHelper
+                        .extractBigDecimalWithLocaleNamed(LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT, element);
+                baseDataValidator.reset().parameter(LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT)
+                        .value(disbursedAmountPercentageDownPayment).notLessThanMin(BigDecimal.ONE)
+                        .notGreaterThanMax(BigDecimal.valueOf(100)).scaleNotGreaterThan(6);
+            } else {
+                baseDataValidator.reset().parameter(LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT).failWithCode(
+                        "required.for.enable.down.payment.true",
+                        "Disbursed amount percentage for down-payment is required if enable down-payment is true");
+            }
+        } else {
+            if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT, element)) {
+                baseDataValidator.reset().parameter(LoanProductConstants.DISBURSED_AMOUNT_PERCENTAGE_DOWN_PAYMENT).failWithCode(
+                        "supported.only.for.enable.down.payment.true",
+                        "Disbursed amount percentage for down-payment is supported only if enable down-payment is true");
+            }
+        }
+    }
+
    private void validateVariableInstallmentSettings(final DataValidatorBuilder baseDataValidator, final JsonElement element) {
        if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.allowVariableInstallmentsParamName, element)
                && this.fromApiJsonHelper.extractBooleanNamed(LoanProductConstants.allowVariableInstallmentsParamName, element)) {
@@ -1621,6 +1651,12 @@ public final class LoanProductDataValidator {
        baseDataValidator.reset().parameter(LoanProductConstants.OVER_DUE_DAYS_FOR_REPAYMENT_EVENT).value(overDueDaysForRepaymentEvent)
                .integerZeroOrGreater();

+        if (this.fromApiJsonHelper.parameterExists(LoanProductConstants.ENABLE_DOWN_PAYMENT, element)) {
+            final Boolean enableDownPayment = this.fromApiJsonHelper.extractBooleanNamed(LoanProductConstants.ENABLE_DOWN_PAYMENT, element);
+            baseDataValidator.reset().parameter(LoanProductConstants.ENABLE_DOWN_PAYMENT).value(enableDownPayment).ignoreIfNull()
+                    .validateForBooleanValue();
+            validateDownPaymentPercentage(enableDownPayment, baseDataValidator, element);
+        }
        throwExceptionIfValidationWarningsExist(dataValidationErrors);
    }

@@ -212,7 +212,7 @@ public class LoanProductReadPlatformServiceImpl implements LoanProductReadPlatfo
                    + "lp.disallow_expected_disbursements as disallowExpectedDisbursements, lp.allow_approved_disbursed_amounts_over_applied as allowApprovedDisbursedAmountsOverApplied, lp.over_applied_calculation_type as overAppliedCalculationType, over_applied_number as overAppliedNumber, "
                    + "lp.days_in_month_enum as daysInMonth, lp.days_in_year_enum as daysInYear, lp.interest_recalculation_enabled as isInterestRecalculationEnabled, "
                    + "lp.can_define_fixed_emi_amount as canDefineInstallmentAmount, lp.instalment_amount_in_multiples_of as installmentAmountInMultiplesOf, "
-                    + "lp.due_days_for_repayment_event as dueDaysForRepaymentEvent, lp.overdue_days_for_repayment_event as overDueDaysForRepaymentEvent,"
+                    + "lp.due_days_for_repayment_event as dueDaysForRepaymentEvent, lp.overdue_days_for_repayment_event as overDueDaysForRepaymentEvent, lp.enable_down_payment as enableDownPayment, lp.disbursed_amount_percentage_for_down_payment as disbursedAmountPercentageForDownPayment, "
                    + "lpr.pre_close_interest_calculation_strategy as preCloseInterestCalculationStrategy, "
                    + "lpr.id as lprId, lpr.product_id as productId, lpr.compound_type_enum as compoundType, lpr.reschedule_strategy_enum as rescheduleStrategy, "
                    + "lpr.rest_frequency_type_enum as restFrequencyEnum, lpr.rest_frequency_interval as restFrequencyInterval, "
@@ -344,6 +344,9 @@ public class LoanProductReadPlatformServiceImpl implements LoanProductReadPlatfo
            final LocalDate closeDate = JdbcSupport.getLocalDate(rs, "closeDate");
            final Integer dueDaysForRepaymentEvent = JdbcSupport.getIntegerDefaultToNullIfZero(rs, "dueDaysForRepaymentEvent");
            final Integer overDueDaysForRepaymentEvent = JdbcSupport.getIntegerDefaultToNullIfZero(rs, "overDueDaysForRepaymentEvent");
+            final boolean enableDownPayment = rs.getBoolean("enableDownPayment");
+            final BigDecimal disbursedAmountPercentageForDownPayment = rs.getBigDecimal("disbursedAmountPercentageForDownPayment");
+
            String status = "";
            if (closeDate != null && closeDate.isBefore(DateUtils.getBusinessLocalDate())) {
                status = "loanProduct.inActive";
@@ -499,7 +502,7 @@ public class LoanProductReadPlatformServiceImpl implements LoanProductReadPlatfo
                    maxDifferentialLendingRate, isFloatingInterestRateCalculationAllowed, isVariableIntallmentsAllowed, minimumGap,
                    maximumGap, syncExpectedWithDisbursementDate, canUseForTopup, isEqualAmortization, rateOptions, this.rates,
                    isRatesEnabled, fixedPrincipalPercentagePerInstallment, delinquencyBucketOptions, delinquencyBucket,
-                    dueDaysForRepaymentEvent, overDueDaysForRepaymentEvent);
+                    dueDaysForRepaymentEvent, overDueDaysForRepaymentEvent, enableDownPayment, disbursedAmountPercentageForDownPayment);
        }
    }

@@ -138,4 +138,5 @@
    <include file="parts/0116_add_configuration_asset_externalization_of_non_active_loans.xml" relativeToChangelogFile="true" />
    <include file="parts/0117_set_datetime_precision.xml" relativeToChangelogFile="true" />
    <include file="parts/0118_add_submitted_on_date_to_savings_transaction.xml" relativeToChangelogFile="true" />
+    <include file="parts/0119_add_loan_product_down_payment_configuration.xml" relativeToChangelogFile="true" />
 </databaseChangeLog>
@@ -0,0 +1,45 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements. See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership. The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License. You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied. See the License for the
+    specific language governing permissions and limitations
+    under the License.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+    <changeSet author="fineract" id="1">
+        <addColumn tableName="m_product_loan">
+            <column defaultValueBoolean="false" type="boolean" name="enable_down_payment">
+                <constraints nullable="false"/>
+            </column>
+        </addColumn>
+        <addColumn tableName="m_product_loan">
+            <column defaultValueComputed="NULL" name="disbursed_amount_percentage_for_down_payment" type="DECIMAL(9, 6)"/>
+        </addColumn>
+    </changeSet>
+    <changeSet author="fineract" id="2">
+        <addColumn tableName="m_loan">
+            <column defaultValueBoolean="false" type="boolean" name="enable_down_payment">
+                <constraints nullable="false"/>
+            </column>
+        </addColumn>
+        <addColumn tableName="m_loan">
+            <column defaultValueComputed="NULL" name="disbursed_amount_percentage_for_down_payment" type="DECIMAL(9, 6)"/>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>