CBSNexora/cbsnexora-backend
4
0
Fork 0
Code Issues Pull Requests Actions 28 Packages Projects Releases Wiki Activity

FINERACT-2081: Payments after loan charge - payment allocation

Browse Source
This commit is contained in:
Marta Jankovics
2024-09-25 10:31:08 +02:00
committed by Adam Saghy
parent 2d0c8db993
commit 31c9079ad9
17 changed files with 746 additions and 228 deletions
Download Patch File Download Diff File Expand all files Collapse all files
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
+136 -1
View File
@@ -3241,4 +3241,139 @@ Feature: LoanRepayment
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
When Admin sets the business date to "04 September 2023"
#Run COB to check there is no accounting meltdown and accrual is handled properly
When Admin runs inline COB job for Loan
When Admin runs inline COB job for Loan
@AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify that payment allocation is correct in case of fee charged and payment is backdated
# --- 7/23 - Loan Created & Approved ---
When Admin sets the business date to "23 July 2024"
When Admin creates a client with random data
When 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_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 23 July 2024 | 150 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
# --- 7/23 - Disbursement for 111.92 EUR ---
And Admin successfully approves the loan on "23 July 2024" with "111.92" amount and expected disbursement date on "23 July 2024"
When Admin successfully disburse the loan on "23 July 2024" with "111.92" EUR transaction amount
# --- 8/8 - Partial merchant issued refund - 76.48 Eur ---
When Admin sets the business date to "08 August 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 August 2024" with 76.48 EUR transaction amount and system-generated Idempotency key
# --- 8/13 - Manual Repayment - 35.44 Eur (Account closed) ---
When Admin sets the business date to "13 August 2024"
And Customer makes "MONEY_TRANSFER" repayment on "13 August 2024" with 35.44 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
# --- 8/15 - Repayment reversed (Account reopened) ---
When Admin sets the business date to "15 August 2024"
When Customer undo "1"th "Repayment" transaction made on "13 August 2024"
Then Loan status will be "ACTIVE"
Then Loan has 35.44 outstanding amount
# --- 8/22 - Autopay posted for 35.44 Eur ---
When Admin sets the business date to "22 August 2024"
And Customer makes "AUTOPAY" repayment on "22 August 2024" with 35.44 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
# --- 8/24 - Autopay reversed ---
When Admin sets the business date to "24 August 2024"
When Customer undo "1"th "Repayment" transaction made on "22 August 2024"
Then Loan status will be "ACTIVE"
Then Loan has 35.44 outstanding amount
# --- 8/24 - Loan Charge created for 2.80 Eur ---
When Admin adds "LOAN_NSF_FEE" due date charge with "24 August 2024" due date and 2.80 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan has 38.24 outstanding amount
# --- 8/24 (after COB) - Accrual created ---
When Admin sets the business date to "25 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 2 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 |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | | 0.0 | 111.92 | 0.0 | 0.0 | 0.0 | 111.92 | 76.48 | 76.48 | 0.0 | 35.44 |
| 2 | 1 | 24 August 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 111.92 | 0.0 | 0.0 | 2.8 | 114.72 | 76.48 | 76.48 | 0.0 | 38.24 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
# --- 8/28 - Backdated Autopay posted for 38.24 Eur (35.44 principal + 2.80 penalty) with transactionDate 8/22 ---
When Admin sets the business date to "28 August 2024"
And Customer makes "AUTOPAY" repayment on "22 August 2024" with 38.24 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
# TODO check data
Then Loan Repayment schedule has 2 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 |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 22 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 0.0 | 111.92 | 111.92 | 111.92 | 0.0 | 0.0 |
| 2 | 1 | 24 August 2024 | 22 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 2.8 | 2.8 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 111.92 | 0.0 | 0.0 | 2.8 | 114.72 | 114.72 | 114.72 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
When Customer makes "AUTOPAY" repayment on "23 August 2024" with 10 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 23 August 2024 | Repayment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
Then Loan Repayment schedule has 2 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 |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 22 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 0.0 | 111.92 | 111.92 | 111.92 | 0.0 | 0.0 |
| 2 | 1 | 24 August 2024 | 22 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 2.8 | 2.8 | 0.0 | 0.0 |
When Admin sets the business date to "29 August 2024"
When Admin runs inline COB job for Loan
When Admin adds "LOAN_NSF_FEE" due date charge with "22 August 2024" due date and 5 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 23 August 2024 | Repayment | 10.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
Then Loan Repayment schedule has 2 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 |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 23 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 5.0 | 116.92 | 116.92 | 114.72 | 0.0 | 0.0 |
| 2 | 1 | 24 August 2024 | 23 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 2.8 | 2.8 | 0.0 | 0.0 |
When Admin adds "LOAN_NSF_FEE" due date charge with "25 August 2024" due date and 5 EUR transaction amount
When Admin sets the business date to "30 August 2024"
When Admin runs inline COB job for Loan
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 23 August 2024 | Repayment | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 25 August 2024 | Accrual | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | false |
Then Loan Repayment schedule has 2 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 |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 23 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 5.0 | 116.92 | 116.92 | 114.72 | 0.0 | 0.0 |
| 2 | 2 | 25 August 2024 | 23 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 7.8 | 7.8 | 7.8 | 7.8 | 0.0 | 0.0 |