MIFOSX-1995 : fix for prepay of loan with moratorium

2015-04-24 14:31:49 +05:30
parent ff84a13c4c
commit 356ec7bb59
3 changed files with 119 additions and 5 deletions
@@ -4155,6 +4155,84 @@ public class ClientLoanIntegrationTest {

    }

+    @Test
+    public void testLoanScheduleWithInterestRecalculation_FOR_PRE_CLOSE_WITH_MORATORIUM_INTEREST_APPLICABLE_STRATEGY_ON_PRE_CLOSE_DATE() {
+        testLoanScheduleWithInterestRecalculation_FOR_PRE_CLOSE_WITH_MORATORIUM(
+                LoanProductTestBuilder.INTEREST_APPLICABLE_STRATEGY_ON_PRE_CLOSE_DATE, "10006.59");
+    }
+    
+    @Test
+    public void testLoanScheduleWithInterestRecalculation_FOR_PRE_CLOSE_WITH_MORATORIUM_INTEREST_APPLICABLE_STRATEGY_REST_DATE() {
+        testLoanScheduleWithInterestRecalculation_FOR_PRE_CLOSE_WITH_MORATORIUM(
+                LoanProductTestBuilder.INTEREST_APPLICABLE_STRATEGY_REST_DATE, "10046.15");
+    }
+
+
+    private void testLoanScheduleWithInterestRecalculation_FOR_PRE_CLOSE_WITH_MORATORIUM(final String preCloseStrategy,
+            final String preCloseAmount) {
+        this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
+
+        DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy");
+        dateFormat.setTimeZone(Utils.getTimeZoneOfTenant());
+
+        Calendar todaysDate = Calendar.getInstance(Utils.getTimeZoneOfTenant());
+        todaysDate.add(Calendar.DAY_OF_MONTH, -1);
+        final String LOAN_DISBURSEMENT_DATE = dateFormat.format(todaysDate.getTime());
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID);
+        final Integer loanProductID = createLoanProductWithInterestRecalculation(LoanProductTestBuilder.MIFOS_STANDARD_STRATEGY,
+                LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_NONE,
+                LoanProductTestBuilder.RECALCULATION_STRATEGY_REDUCE_EMI_AMOUN,
+                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_SAME_AS_REPAYMENT_PERIOD, "0", null, preCloseStrategy, null);
+
+        final Integer loanID = applyForLoanApplicationForInterestRecalculationWithMoratorium(clientID, loanProductID,
+                LOAN_DISBURSEMENT_DATE, null, LoanApplicationTestBuilder.MIFOS_STANDARD_STRATEGY, new ArrayList<HashMap>(0), "1", null);
+
+        Assert.assertNotNull(loanID);
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        List<Map<String, Object>> expectedvalues = new ArrayList<>();
+        todaysDate = Calendar.getInstance(Utils.getTimeZoneOfTenant());
+        todaysDate.add(Calendar.DAY_OF_MONTH, -1);
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2482.76", "0.0", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2494.22", "80.84", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2505.73", "23.18", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2517.29", "11.62", "0.0", "0.0");
+        verifyLoanRepaymentSchedule(loanSchedule, expectedvalues);
+
+        System.out.println("-----------------------------------APPROVE LOAN-----------------------------------------");
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(LOAN_DISBURSEMENT_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        System.out.println("-------------------------------DISBURSE LOAN-------------------------------------------");
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(LOAN_DISBURSEMENT_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        expectedvalues = new ArrayList<>();
+        todaysDate = Calendar.getInstance(Utils.getTimeZoneOfTenant());
+        todaysDate.add(Calendar.DAY_OF_MONTH, -1);
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2482.76", "0.0", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2494.22", "80.84", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2505.73", "23.18", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, false, "2517.29", "11.62", "0.0", "0.0");
+
+        verifyLoanRepaymentSchedule(loanSchedule, expectedvalues);
+
+        HashMap prepayDetail = this.loanTransactionHelper.getPrepayAmount(this.requestSpec, this.responseSpec, loanID);
+        String prepayAmount = String.valueOf(prepayDetail.get("amount"));
+        validateNumberForEqualWithMsg("verify pre-close amount", preCloseAmount, prepayAmount);
+        todaysDate = Calendar.getInstance(Utils.getTimeZoneOfTenant());
+        String LOAN_REPAYMENT_DATE = dateFormat.format(todaysDate.getTime());
+        this.loanTransactionHelper.makeRepayment(LOAN_REPAYMENT_DATE, new Float(prepayAmount), loanID);
+        loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanAccountIsClosed(loanStatusHashMap);
+    }
+
    private void addRepaymentValues(List<Map<String, Object>> expectedvalues, Calendar todaysDate, int addPeriod, boolean isAddDays,
            String principalDue, String interestDue, String feeChargesDue, String penaltyChargesDue) {
        Map<String, Object> values = new HashMap<>(3);
@@ -4247,9 +4325,24 @@ public class ClientLoanIntegrationTest {
                compoundingStartDate, repaymentStrategy, charges);
    }

+    private Integer applyForLoanApplicationForInterestRecalculationWithMoratorium(final Integer clientID, final Integer loanProductID,
+            final String disbursementDate, final String restStartDate, final String repaymentStrategy, final List<HashMap> charges,
+            final String graceOnInterestPayment, final String graceOnPrincipalPayment) {
+        final String compoundingStartDate = null;
+        return applyForLoanApplicationForInterestRecalculation(clientID, loanProductID, disbursementDate, restStartDate,
+                compoundingStartDate, repaymentStrategy, charges, graceOnInterestPayment, graceOnPrincipalPayment);
+    }
+
    private Integer applyForLoanApplicationForInterestRecalculation(final Integer clientID, final Integer loanProductID,
            final String disbursementDate, final String restStartDate, final String compoundingStartDate, final String repaymentStrategy,
            final List<HashMap> charges) {
+        return applyForLoanApplicationForInterestRecalculation(clientID, loanProductID, disbursementDate, restStartDate,
+                compoundingStartDate, repaymentStrategy, charges, null, null);
+    }
+
+    private Integer applyForLoanApplicationForInterestRecalculation(final Integer clientID, final Integer loanProductID,
+            final String disbursementDate, final String restStartDate, final String compoundingStartDate, final String repaymentStrategy,
+            final List<HashMap> charges, final String graceOnInterestPayment, final String graceOnPrincipalPayment) {
        System.out.println("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
        final String loanApplicationJSON = new LoanApplicationTestBuilder() //
                .withPrincipal("10000.00") //
@@ -4267,6 +4360,8 @@ public class ClientLoanIntegrationTest {
                .withRestFrequencyDate(restStartDate)//
                .withCompoundingFrequencyDate(compoundingStartDate)//
                .withwithRepaymentStrategy(repaymentStrategy) //
+                .withPrincipalGrace(graceOnPrincipalPayment) //
+                .withInterestGrace(graceOnInterestPayment)//
                .withCharges(charges)//
                .build(clientID.toString(), loanProductID.toString(), null);
        return this.loanTransactionHelper.getLoanId(loanApplicationJSON);
@@ -483,7 +483,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener

            // update cumulative fields for principal & interest
            Money interestForThisinstallment = principalInterestForThisPeriod.interest();
-
+            Money lastTotalOutstandingInterestPaymentDueToGrace = totalOutstandingInterestPaymentDueToGrace;
            totalOutstandingInterestPaymentDueToGrace = principalInterestForThisPeriod.interestPaymentDueToGrace();
            Money principalForThisPeriod = principalInterestForThisPeriod.principal();

@@ -576,7 +576,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                                PrincipalInterest interestTillDate = calculatePrincipalInterestComponentsForPeriod(
                                        this.paymentPeriodsInOneYearCalculator, interestCalculationGraceOnRepaymentPeriodFraction,
                                        totalCumulativePrincipal, totalCumulativeInterest, totalInterestChargedForFullLoanTerm,
-                                        totalOutstandingInterestPaymentDueToGrace, outstandingBalanceAsPerRest, loanApplicationTerms,
+                                        lastTotalOutstandingInterestPaymentDueToGrace, outstandingBalanceAsPerRest, loanApplicationTerms,
                                        periodNumber, mc,
                                        mergeVariationsToMap(principalPortionMap, latePaymentMap, disburseDetailMap, compoundingMap),
                                        compoundingMap, periodStartDateApplicableForInterest, calculateTill,
@@ -595,6 +595,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                                            detail.getTransactionDate(), principalForThisPeriod, outstandingBalance,
                                            interestForThisinstallment, feeChargesForInstallment, penaltyChargesForInstallment, totalDue,
                                            false);
+                                    totalOutstandingInterestPaymentDueToGrace = interestTillDate.interestPaymentDueToGrace();
                                }

                            }
@@ -651,6 +652,16 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
            compoundingDateVariations.clear();
        }

+        // this condition is to add the interest from grace period if not
+        // already applied.
+        if (totalOutstandingInterestPaymentDueToGrace.isGreaterThanZero()) {
+            LoanScheduleModelPeriod installment = ((List<LoanScheduleModelPeriod>) periods).get(periods.size() - 1);
+            installment.addInterestAmount(totalOutstandingInterestPaymentDueToGrace);
+            totalRepaymentExpected = totalRepaymentExpected.add(totalOutstandingInterestPaymentDueToGrace.getAmount());
+            totalCumulativeInterest = totalCumulativeInterest.plus(totalOutstandingInterestPaymentDueToGrace);
+            totalOutstandingInterestPaymentDueToGrace = totalOutstandingInterestPaymentDueToGrace.zero();
+        }
+
        // 7. determine fees and penalties for charges which depends on total
        // loan interest
        for (LoanScheduleModelPeriod loanScheduleModelPeriod : periods) {
@@ -77,11 +77,15 @@ public class DecliningBalanceInterestLoanScheduleGenerator extends AbstractLoanS
                                interestForDays, balanceForInterestCalculation);
                        if (loanApplicationTerms.getInterestCalculationPeriodMethod().isDaily()) {
                            interestForThisInstallment = interestForThisInstallment.plus(result.interest());
+                            cumulatingInterestDueToGrace = result.interestPaymentDueToGrace();
                        } else {
                            interestForThisInstallment = interestForThisInstallment.plus(calculateInterestForDays(
                                    daysForInterestInFullPeriod, result.interest().getAmount(), interestForDays));
+                            cumulatingInterestDueToGrace = cumulatingInterestDueToGrace.plus(calculateInterestForDays(
+                                    daysForInterestInFullPeriod, result.interestPaymentDueToGrace().minus(cumulatingInterestDueToGrace)
+                                            .getAmount(), interestForDays));
                        }
-                        cumulatingInterestDueToGrace = result.interestPaymentDueToGrace();
+
                        interestStartDate = principal.getKey();
                    }
                    Money compoundFee = totalCumulativePrincipal.zero();
@@ -117,22 +121,26 @@ public class DecliningBalanceInterestLoanScheduleGenerator extends AbstractLoanS
                balanceForInterestCalculation);
        if (loanApplicationTerms.getInterestCalculationPeriodMethod().isDaily()) {
            interestForThisInstallment = interestForThisInstallment.plus(result.interest());
+            cumulatingInterestDueToGrace = result.interestPaymentDueToGrace();
        } else {
            interestForThisInstallment = interestForThisInstallment.plus(calculateInterestForDays(daysForInterestInFullPeriod, result
                    .interest().getAmount(), interestForDays));
+            cumulatingInterestDueToGrace = cumulatingInterestDueToGrace.plus(calculateInterestForDays(
+                    daysForInterestInFullPeriod, result.interestPaymentDueToGrace().minus(cumulatingInterestDueToGrace)
+                            .getAmount(), interestForDays));
        }

        Money interestForPeriod = interestForThisInstallment;
        if (interestForPeriod.isGreaterThanZero()) {
            interestForPeriod = interestForPeriod.minus(cumulatingInterestPaymentDueToGrace);
        } else {
-            interestForPeriod = result.interestPaymentDueToGrace().minus(cumulatingInterestPaymentDueToGrace);
+            interestForPeriod = cumulatingInterestDueToGrace.minus(cumulatingInterestPaymentDueToGrace);
        }
        Money principalForThisInstallment = loanApplicationTerms.calculateTotalPrincipalForPeriod(calculator,
                daysInPeriodApplicableForInterest, outstandingBalance, periodNumber, mc, interestForPeriod);

        // update cumulative fields for principal & interest
-        final Money interestBroughtFowardDueToGrace = result.interestPaymentDueToGrace();
+        final Money interestBroughtFowardDueToGrace = cumulatingInterestDueToGrace;
        final Money totalCumulativePrincipalToDate = totalCumulativePrincipal.plus(principalForThisInstallment);

        // adjust if needed