FINERACT-2102: Loan Product DownPayment attributes overrided in the Loan

2024-07-15 10:33:11 +02:00
parent 9fceaf98b3
commit 319f457874
6 changed files with 153 additions and 14 deletions
@@ -4257,6 +4257,79 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
        });
    }

+    // UC139c: Advanced payment allocation, with DownPayment enabled in Loan Product and change the auto downpayment and
+    // percentage amount
+    // ADVANCED_PAYMENT_ALLOCATION_STRATEGY
+    // 1. Create a Loan product with Adv. Pment. Alloc. and DownPayment
+    // 2. Submit Loan with DownPayment and approve
+    // 3. Modify Loan Application change the auto downpayment and percentage amount
+    // 4. Disburse only 10
+    // 5. Check the repayment schedule is correct, without DownPayment installment
+    @Test
+    public void uc139c() {
+        final String processDate = "23 March 2024";
+        final Double amount = 1000.0;
+        runAt(processDate, () -> {
+            BigDecimal percentageAmount = BigDecimal.valueOf(25);
+            PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
+                    .installmentAmountInMultiplesOf(null).numberOfRepayments(3).repaymentEvery(15).enableDownPayment(true)
+                    .enableAutoRepaymentForDownPayment(true).disbursedAmountPercentageForDownPayment(percentageAmount);
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
+            PostLoansRequest applicationRequest = applyLoanRequest(client.getClientId(), loanProductResponse.getResourceId(), processDate,
+                    amount, 4);
+
+            applicationRequest = applicationRequest.numberOfRepayments(3).loanTermFrequency(45)
+                    .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY).repaymentEvery(15)
+                    .enableDownPayment(true);
+
+            PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest);
+
+            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
+            assertNotNull(loanDetails);
+            assertEquals(true, loanDetails.getEnableDownPayment());
+            assertEquals(true, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+            // verify schedule (with DownPayment and AutoDownPayment to 25%)
+            verifyRepaymentSchedule(loanResponse.getLoanId(), //
+                    installment(1000, null, "23 March 2024"), //
+                    installment(250.0, 0, 0, 0, 250.0, false, "23 March 2024", 750.0), //
+                    installment(250.0, 0, 0, 0, 250.0, false, "07 April 2024", 500.0), //
+                    installment(250.0, 0, 0, 0, 250.0, false, "22 April 2024", 250.0), //
+                    installment(250.0, 0, 0, 0, 250.0, false, "07 May 2024", 0.0) //
+            );
+
+            percentageAmount = BigDecimal.valueOf(15);
+            loanTransactionHelper.modifyApplicationForLoan(loanResponse.getLoanId(), "modify",
+                    new PutLoansLoanIdRequest().clientId(client.getClientId()).productId(loanProductResponse.getResourceId())
+                            .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
+                            .repaymentEvery(15).interestCalculationPeriodType(1).interestType(0).expectedDisbursementDate(processDate)
+                            .principal(amount.longValue()).repaymentFrequencyType(0).numberOfRepayments(3).loanTermFrequency(45)
+                            .loanTermFrequencyType(0).enableDownPayment(true).loanType("individual").dateFormat(DATETIME_PATTERN)
+                            .locale("en").enableAutoRepaymentForDownPayment(true)
+                            .disbursedAmountPercentageForDownPayment(percentageAmount));
+
+            loanTransactionHelper.approveLoan(loanResponse.getLoanId(), new PostLoansLoanIdRequest()
+                    .approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN).approvedOnDate(processDate).locale("en"));
+
+            loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), new PostLoansLoanIdRequest().actualDisbursementDate(processDate)
+                    .dateFormat(DATETIME_PATTERN).transactionAmount(BigDecimal.valueOf(1000.0)).locale("en"));
+
+            loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
+            assertNotNull(loanDetails);
+            assertEquals(true, loanDetails.getEnableDownPayment());
+            assertEquals(true, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+            // verify schedule (with DownPayment and AutoDownPayment to 15%)
+            verifyRepaymentSchedule(loanResponse.getLoanId(), //
+                    installment(1000, null, "23 March 2024"), //
+                    installment(150, 0, 0, 0, 0.0, true, "23 March 2024", 850), //
+                    installment(283.33, 0, 0, 0, 283.33, false, "07 April 2024", 566.67), //
+                    installment(283.33, 0, 0, 0, 283.33, false, "22 April 2024", 283.34), //
+                    installment(283.34, 0, 0, 0, 283.34, false, "07 May 2024", 0.0) //
+            );
+        });
+    }
+
    // uc140: Negative Test: Advanced payment allocation, with DownPayment disabled in Loan Product but try to enable in
    // Loan application
    // ADVANCED_PAYMENT_ALLOCATION_STRATEGY
@@ -4280,8 +4353,8 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
                                    .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
                                    .repaymentEvery(15).enableDownPayment(true)));

-            Assertions.assertTrue(callFailedRuntimeException.getMessage()
-                    .contains("The Loan can not override the downpayment flag because in the Loan Product the downpayment is disabled"));
+            Assertions.assertTrue(callFailedRuntimeException.getMessage().contains(
+                    "The Loan can not override the downpayment properties because in the Loan Product the downpayment is disabled"));
        });
    }

@@ -86,6 +86,8 @@ public class LoanApplicationTestBuilder {
    private String inArrearsTolerance;
    private boolean createStandingInstructionAtDisbursement = false;
    private boolean enableDownPayment = false;
+    private boolean enableAutoRepaymentForDownPayment = false;
+    private String disbursedAmountPercentageDownPayment;

    public String build(final String clientID, final String groupID, final String loanProductId, final String savingsID) {
        final HashMap<String, Object> map = new HashMap<>();
@@ -212,6 +214,12 @@ public class LoanApplicationTestBuilder {
        if (enableDownPayment == true) {
            map.put("enableDownPayment", enableDownPayment);
        }
+        if (enableAutoRepaymentForDownPayment == true) {
+            map.put("enableAutoRepaymentForDownPayment", enableAutoRepaymentForDownPayment);
+        }
+        if (disbursedAmountPercentageDownPayment != null) {
+            map.put("disbursedAmountPercentageDownPayment", disbursedAmountPercentageDownPayment);
+        }
        LOG.info("Loan Application request : {} ", map);
        return new Gson().toJson(map);
    }
@@ -450,4 +458,14 @@ public class LoanApplicationTestBuilder {
        return this;
    }

+    public LoanApplicationTestBuilder withEnableAutoRepaymentForDownPayment() {
+        this.enableAutoRepaymentForDownPayment = true;
+        return this;
+    }
+
+    public LoanApplicationTestBuilder withDisbursedAmountPercentageDownPayment(final String amount) {
+        this.disbursedAmountPercentageDownPayment = amount;
+        return this;
+    }
+
 }