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FINERACT-2326: Add the ability to reschedule non-interest-bearing progressive loans to have interest

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mark.vituska
2025-08-04 14:03:00 +02:00
committed by Adam Saghy
parent 6a67e58a3a
commit 3428e33035
14 changed files with 171 additions and 271 deletions
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fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
+4 -4
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@@ -6708,8 +6708,8 @@ Feature: Loan
| 2 | 15 | 29 March 2024 | 24 March 2024 | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
| | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 01 April 2024 | 01 April 2024 | 478.31 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 13 April 2024 | | 239.16 | 239.15 | 0.0 | 0.0 | 0.0 | 239.15 | 121.89 | 121.89 | 0.0 | 117.26 |
| 5 | 15 | 28 April 2024 | | 0.0 | 239.16 | 0.0 | 0.0 | 0.0 | 239.16 | 121.9 | 121.9 | 0.0 | 117.26 |
| 4 | 15 | 13 April 2024 | | 239.15 | 239.16 | 0.0 | 0.0 | 0.0 | 239.16 | 121.89 | 121.89 | 0.0 | 117.27 |
| 5 | 15 | 28 April 2024 | | 0.0 | 239.15 | 0.0 | 0.0 | 0.0 | 239.15 | 121.9 | 121.9 | 0.0 | 117.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 800.27 | 0.0 | 0.0 | 0.0 | 800.27 | 565.75 | 365.68 | 0.0 | 234.52 |
@@ -6733,8 +6733,8 @@ Feature: Loan
| 2 | 15 | 29 March 2024 | 24 March 2024 | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
| | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 01 April 2024 | 01 April 2024 | 478.31 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 13 April 2024 | 10 April 2024 | 239.16 | 239.15 | 0.0 | 0.0 | 0.0 | 239.15 | 239.15 | 239.15 | 0.0 | 0.0 |
| 5 | 15 | 28 April 2024 | 10 April 2024 | 0.0 | 239.16 | 0.0 | 0.0 | 0.0 | 239.16 | 239.16 | 239.16 | 0.0 | 0.0 |
| 4 | 15 | 13 April 2024 | 10 April 2024 | 239.15 | 239.16 | 0.0 | 0.0 | 0.0 | 239.16 | 239.16 | 239.16 | 0.0 | 0.0 |
| 5 | 15 | 28 April 2024 | 10 April 2024 | 0.0 | 239.15 | 0.0 | 0.0 | 0.0 | 239.15 | 239.15 | 239.15 | 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 |
| 800.27 | 0.0 | 0.0 | 0.0 | 800.27 | 800.27 | 600.2 | 0.0 | 0.0 |
fineract-e2e-tests-runner/src/test/resources/features/LoanCBR.feature
+1 -1
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@@ -1788,4 +1788,4 @@ Feature: Credit Balance Refund
| 25 March 2025 | Credit Balance Refund | 122.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Disbursement | 243.79 | 0.0 | 0.0 | 0.0 | 0.0 | 243.79 | false | false |
| 01 April 2025 | Down Payment | 61.0 | 61.0 | 0.0 | 0.0 | 0.0 | 182.79 | false | false |
Then Loan status will be "ACTIVE"
Then Loan status will be "ACTIVE"
fineract-e2e-tests-runner/src/test/resources/features/LoanReschedule.feature
+80 -129
View File
@@ -917,141 +917,92 @@ Feature: LoanReschedule
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3809
Scenario: Verify change interest rate with 0->4 reschedule scenario - UC1
When Admin sets the business date to "01 April 2025"
@TestRailId:C3882
Scenario: Reschedule progressive loan to 0 percent interest then back to 10 percent
When Admin sets the business date to "1 January 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_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 3 | 31 | 01 April 2024 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2024 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2024 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 250.0 EUR transaction amount
Then Loan Repayment schedule has 4 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 |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 0.0 | 0.0 | 0.0 | 102.93 |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 January 2024 | 01 January 2024 | | | | | 0 |
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 2 | 29 | 01 March 2024 | | 66.66 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 3 | 31 | 01 April 2024 | | 49.99 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 4 | 30 | 01 May 2024 | | 33.32 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 5 | 31 | 01 June 2024 | | 16.65 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 May 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
When Admin sets the business date to "05 May 2025"
And Admin runs inline COB job for Loan
# --- Loan reschedule: Interest rate modification effective from next day ---
#When Admin attempt Loan reschedule with changing interest rate to zero following data validation error should occur
Then Loan reschedule with the following data results a 400 error and "LOAN_RESCHEDULE_NOT_ALLOWED_FROM_ZERO_TO_NEW_INTEREST_RATE" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 06 May 2025 | 05 May 2025 | | | | | 4 |
When Admin sets the business date to "06 May 2025"
And Customer makes "AUTOPAY" repayment on "06 May 2025" with 100.0 EUR transaction amount
# TODO uncomment and update repayment schedule after fixing PS-2665
# Then Loan Repayment schedule has 4 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 |
# | | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
# | 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
# | 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 100.0 | 100.0 | 0.0 | 150.0 |
# | 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
# | 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
# Then Loan Repayment schedule has the following data in Total row:
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
# | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 350.0 | 100.0 | 0.0 | 650.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 May 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
| 06 May 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 650.0 | false | false |
Then Loan status will be "ACTIVE"
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 03 January 2024 | 01 January 2024 | | | | | 10 |
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.81 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.45 | 0.7 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 3 | 31 | 01 April 2024 | | 50.62 | 16.59 | 0.56 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 4 | 30 | 01 May 2024 | | 33.89 | 16.73 | 0.42 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 5 | 31 | 01 June 2024 | | 17.02 | 16.87 | 0.28 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.02 | 0.14 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.91 | 0.0 | 0.0 | 102.91 | 0.0 | 0.0 | 0.0 | 102.91 |
@TestRailId:C3810
Scenario: Verify change interest rate with 4->0 reschedule scenario - UC2
When Admin sets the business date to "01 April 2025"
@TestRailId:C3883
Scenario: Create progressive loan with 0 percent interest then to 10 percent after first period
When Admin sets the business date to "1 January 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_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 4 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 751.24 | 248.76 | 3.33 | 0.0 | 0.0 | 252.09 | 0.0 | 0.0 | 0.0 | 252.09 |
| 2 | 31 | 01 June 2025 | | 501.65 | 249.59 | 2.5 | 0.0 | 0.0 | 252.09 | 0.0 | 0.0 | 0.0 | 252.09 |
| 3 | 30 | 01 July 2025 | | 251.23 | 250.42 | 1.67 | 0.0 | 0.0 | 252.09 | 0.0 | 0.0 | 0.0 | 252.09 |
| 4 | 31 | 01 August 2025 | | 0.0 | 251.23 | 0.84 | 0.0 | 0.0 | 252.07 | 0.0 | 0.0 | 0.0 | 252.07 |
| 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 2 | 29 | 01 March 2024 | | 66.66 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 3 | 31 | 01 April 2024 | | 49.99 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 4 | 30 | 01 May 2024 | | 33.32 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 5 | 31 | 01 June 2024 | | 16.65 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 8.34 | 0.0 | 0.0 | 1008.34 | 0.0 | 0.0 | 0.0 | 1008.34 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 252.09 EUR transaction amount
Then Loan Repayment schedule has 4 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 |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 01 May 2025 | 751.24 | 248.76 | 3.33 | 0.0 | 0.0 | 252.09 | 252.09 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | | 501.65 | 249.59 | 2.5 | 0.0 | 0.0 | 252.09 | 0.0 | 0.0 | 0.0 | 252.09 |
| 3 | 30 | 01 July 2025 | | 251.23 | 250.42 | 1.67 | 0.0 | 0.0 | 252.09 | 0.0 | 0.0 | 0.0 | 252.09 |
| 4 | 31 | 01 August 2025 | | 0.0 | 251.23 | 0.84 | 0.0 | 0.0 | 252.07 | 0.0 | 0.0 | 0.0 | 252.07 |
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 01 January 2024 | | | | | 10 |
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 2 | 29 | 01 March 2024 | | 66.94 | 16.39 | 0.69 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 3 | 31 | 01 April 2024 | | 50.42 | 16.52 | 0.56 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 4 | 30 | 01 May 2024 | | 33.76 | 16.66 | 0.42 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 5 | 31 | 01 June 2024 | | 16.96 | 16.8 | 0.28 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.96 | 0.14 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 8.34 | 0.0 | 0.0 | 1008.34 | 252.09 | 0.0 | 0.0 | 756.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 30 April 2025 | Accrual | 3.22 | 0.0 | 3.22 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2025 | Repayment | 252.09 | 248.76 | 3.33 | 0.0 | 0.0 | 751.24 | false | false |
When Admin sets the business date to "05 May 2025"
And Admin runs inline COB job for Loan
# --- Loan reschedule: Interest rate modification effective from next day ---
#When Admin attempt Loan reschedule with changing interest rate from zero to 4 following data validation error should occur
Then Loan reschedule with the following data results a 400 error and "LOAN_RESCHEDULE_NOT_ALLOWED_FROM_CURRENT_INTEREST_RATE_TO_ZERO" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 06 May 2025 | 05 May 2025 | | | | | 0 |
When Admin sets the business date to "06 May 2025"
And Customer makes "AUTOPAY" repayment on "06 May 2025" with 100.0 EUR transaction amount
# TODO uncomment and update repayment schedule after fixing PS-2634
# Then Loan Repayment schedule has 4 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 |
# | | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
# | 1 | 30 | 01 May 2025 | 01 May 2025 | 751.24 | 248.76 | 3.33 | 0.0 | 0.0 | 252.09 | 252.09 | 0.0 | 0.0 | 0.0 |
# | 2 | 31 | 01 June 2025 | | 501.37 | 249.87 | 2.22 | 0.0 | 0.0 | 252.09 | 100.0 | 100.0 | 0.0 | 152.09 |
# | 3 | 30 | 01 July 2025 | | 250.95 | 250.42 | 1.67 | 0.0 | 0.0 | 252.09 | 0.0 | 0.0 | 0.0 | 252.09 |
# | 4 | 31 | 01 August 2025 | | 0.0 | 250.95 | 0.84 | 0.0 | 0.0 | 251.79 | 0.0 | 0.0 | 0.0 | 251.79 |
# Then Loan Repayment schedule has the following data in Total row:
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
# | 1000.0 | 8.06 | 0.0 | 0.0 | 1008.06 | 352.09 | 100.0 | 0.0 | 655.97 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 30 April 2025 | Accrual | 3.22 | 0.0 | 3.22 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2025 | Repayment | 252.09 | 248.76 | 3.33 | 0.0 | 0.0 | 751.24 | false | false |
| 01 May 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 02 May 2025 | Accrual | 0.08 | 0.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
| 03 May 2025 | Accrual | 0.08 | 0.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
| 04 May 2025 | Accrual | 0.08 | 0.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
| 06 May 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 651.24 | false | false |
Then Loan status will be "ACTIVE"
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 0.0 | 0.0 | 0.0 | 102.09 |