[FINERACT-1958] Repayment schedule recalculation fix for multidisburse down payment

2023-08-23 10:36:55 +02:00
parent bfa6a6605b
commit 3885104767
3 changed files with 132 additions and 17 deletions
@@ -284,6 +284,15 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
            // backup for pre-close transaction
            updateCompoundingDetails(scheduleParams, periodStartDateApplicableForInterest);

+            if (loanApplicationTerms.isMultiDisburseLoan() && loanApplicationTerms.isDownPaymentEnabled()) {
+                long numberOfDownPaymentPeriods = periods.stream() //
+                        .filter(LoanScheduleModelPeriod::isDownPaymentPeriod).count();
+                Long notApplicableForInstallmentRecalculationDownPaymentPeriods = numberOfDownPaymentPeriods - 1;
+                // Only the first down payment installment counts for the number of repayments
+                scheduleParams.setPeriodNumber(
+                        scheduleParams.getPeriodNumber() - notApplicableForInstallmentRecalculationDownPaymentPeriods.intValue());
+            }
+
            // 5 determine principal,interest of repayment period
            PrincipalInterest principalInterestForThisPeriod = calculatePrincipalInterestComponentsForPeriod(
                    this.paymentPeriodsInOneYearCalculator, currentPeriodParams.getInterestCalculationGraceOnRepaymentPeriodFraction(),
@@ -1221,7 +1221,7 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
                            periods.add(periodData);
                            this.outstandingLoanPrincipalBalance = this.outstandingLoanPrincipalBalance.add(data.getPrincipal());
                            disbursementPeriodIds.add(data.getId());
-                        } else if (data.isDueForDisbursement(fromDate, dueDate)) {
+                        } else if (data.isDueForDisbursement(fromDate, dueDate) && !disbursementPeriodIds.contains(data.getId())) {
                            if (!excludePastUndisbursed || data.isDisbursed()
                                    || !data.disbursementDate().isBefore(DateUtils.getBusinessLocalDate())) {
                                principal = principal.add(data.getPrincipal());
@@ -1235,7 +1235,23 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
                                }
                                periods.add(periodData);
                                this.outstandingLoanPrincipalBalance = this.outstandingLoanPrincipalBalance.add(data.getPrincipal());
+                                disbursementPeriodIds.add(data.getId());
                            }
+                        } else if (fromDate.equals(dueDate) && data.disbursementDate().equals(fromDate)
+                                && !disbursementPeriodIds.contains(data.getId())) {
+                            principal = principal.add(data.getPrincipal());
+                            LoanSchedulePeriodData periodData = null;
+                            if (data.getChargeAmount() == null) {
+                                periodData = LoanSchedulePeriodData.disbursementOnlyPeriod(data.disbursementDate(), data.getPrincipal(),
+                                        disbursementChargeAmount, data.isDisbursed());
+                            } else {
+                                periodData = LoanSchedulePeriodData.disbursementOnlyPeriod(data.disbursementDate(), data.getPrincipal(),
+                                        disbursementChargeAmount.add(data.getChargeAmount()).subtract(waivedChargeAmount),
+                                        data.isDisbursed());
+                            }
+                            periods.add(periodData);
+                            this.outstandingLoanPrincipalBalance = this.outstandingLoanPrincipalBalance.add(data.getPrincipal());
+                            disbursementPeriodIds.add(data.getId());
                        }
                    }
                }
@@ -338,6 +338,7 @@ public class LoanRepaymentScheduleWithDownPaymentTest {
        assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());

        List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods();
+        Double expectedOutstandingLoanBalanceOnDisbursement = 1000.00;
        Double expectedDownPaymentAmount = 250.00;
        LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3);
        Double expectedRepaymentAmount = 250.00;
@@ -348,21 +349,110 @@ public class LoanRepaymentScheduleWithDownPaymentTest {
        LocalDate expectedThirdRepaymentDueDate = LocalDate.of(2022, 12, 3);
        Double outstandingBalanceOnThirdRepayment = 0.00;

-        assertTrue(periods.stream() //
-                .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalDueForPeriod()) //
-                        && expectedDownPaymentDueDate.equals(period.getDueDate())));
-        assertTrue(periods.stream()
-                .anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod())
-                        && expectedFirstRepaymentDueDate.equals(period.getDueDate())
-                        && outstandingBalanceOnFirstRepayment.equals(period.getPrincipalLoanBalanceOutstanding())));
-        assertTrue(periods.stream()
-                .anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod())
-                        && expectedSecondRepaymentDueDate.equals(period.getDueDate())
-                        && outstandingBalanceOnSecondRepayment.equals(period.getPrincipalLoanBalanceOutstanding())));
-        assertTrue(periods.stream()
-                .anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod())
-                        && expectedThirdRepaymentDueDate.equals(period.getDueDate())
-                        && outstandingBalanceOnThirdRepayment.equals(period.getPrincipalLoanBalanceOutstanding())));
+        GetLoansLoanIdRepaymentPeriod firstDisbursementPeriod = periods.get(0);
+        assertEquals(expectedDownPaymentDueDate, firstDisbursementPeriod.getDueDate());
+        assertEquals(expectedOutstandingLoanBalanceOnDisbursement, firstDisbursementPeriod.getPrincipalLoanBalanceOutstanding());
+
+        GetLoansLoanIdRepaymentPeriod firstDownPaymentPeriod = periods.get(1);
+        assertEquals(expectedDownPaymentAmount, firstDownPaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedDownPaymentDueDate, firstDownPaymentPeriod.getDueDate());
+
+        GetLoansLoanIdRepaymentPeriod firstRepaymentPeriod = periods.get(2);
+        assertEquals(expectedRepaymentAmount, firstRepaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedFirstRepaymentDueDate, firstRepaymentPeriod.getDueDate());
+        assertEquals(outstandingBalanceOnFirstRepayment, firstRepaymentPeriod.getPrincipalLoanBalanceOutstanding());
+
+        GetLoansLoanIdRepaymentPeriod secondRepaymentPeriod = periods.get(3);
+        assertEquals(expectedRepaymentAmount, secondRepaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedSecondRepaymentDueDate, secondRepaymentPeriod.getDueDate());
+        assertEquals(outstandingBalanceOnSecondRepayment, secondRepaymentPeriod.getPrincipalLoanBalanceOutstanding());
+
+        GetLoansLoanIdRepaymentPeriod thirdRepaymentPeriod = periods.get(4);
+        assertEquals(expectedRepaymentAmount, thirdRepaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedThirdRepaymentDueDate, thirdRepaymentPeriod.getDueDate());
+        assertEquals(outstandingBalanceOnThirdRepayment, thirdRepaymentPeriod.getPrincipalLoanBalanceOutstanding());
+    }
+
+    @Test
+    public void loanRepaymentScheduleWithMultiDisbursementProductTwoDisbursementAndThreeRepaymentsAndDownPayment() {
+        String loanExternalIdStr = UUID.randomUUID().toString();
+
+        final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
+        final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
+                delinquencyBucketId);
+
+        Boolean enableDownPayment = true;
+        BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
+        Boolean enableAutoRepaymentForDownPayment = true;
+
+        final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+
+        Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment,
+                "25", enableAutoRepaymentForDownPayment, true);
+
+        final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId);
+        assertNotNull(getLoanProductsProductResponse);
+        assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
+        assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
+                .compareTo(disbursedAmountPercentageForDownPayment));
+        assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
+
+        final Integer loanId = createApproveAndDisburseTwiceLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr, "4");
+
+        GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+        assertNotNull(loanDetails);
+        assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+        assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+        assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+        loanTransactionHelper.printRepaymentSchedule(loanDetails);
+
+        List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods();
+        Double expectedOutstandingLoanBalanceOnFirstDisbursement = 700.00;
+        Double expectedFirstDownPaymentAmount = 175.00;
+        LocalDate expectedFirstDownPaymentDueDate = LocalDate.of(2022, 9, 3);
+        Double expectedOutstandingLoanBalanceOnSecondDisbursement = 300.00;
+        Double expectedSecondDownPaymentAmount = 75.00;
+        LocalDate expectedSecondDownPaymentDueDate = LocalDate.of(2022, 9, 4);
+        Double expectedRepaymentAmount = 250.00;
+        LocalDate expectedFirstRepaymentDueDate = LocalDate.of(2022, 10, 3);
+        Double outstandingBalanceOnFirstRepayment = 500.00;
+        LocalDate expectedSecondRepaymentDueDate = LocalDate.of(2022, 11, 3);
+        Double outstandingBalanceOnSecondRepayment = 250.00;
+        LocalDate expectedThirdRepaymentDueDate = LocalDate.of(2022, 12, 3);
+        Double outstandingBalanceOnThirdRepayment = 0.00;
+
+        GetLoansLoanIdRepaymentPeriod firstDisbursementPeriod = periods.get(0);
+        assertEquals(expectedFirstDownPaymentDueDate, firstDisbursementPeriod.getDueDate());
+        assertEquals(expectedOutstandingLoanBalanceOnFirstDisbursement, firstDisbursementPeriod.getPrincipalLoanBalanceOutstanding());
+
+        GetLoansLoanIdRepaymentPeriod firstDownPaymentPeriod = periods.get(1);
+        assertEquals(expectedFirstDownPaymentAmount, firstDownPaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedFirstDownPaymentDueDate, firstDownPaymentPeriod.getDueDate());
+
+        GetLoansLoanIdRepaymentPeriod secondDisbursementPeriod = periods.get(2);
+        assertEquals(expectedSecondDownPaymentDueDate, secondDisbursementPeriod.getDueDate());
+        assertEquals(expectedOutstandingLoanBalanceOnSecondDisbursement, secondDisbursementPeriod.getPrincipalLoanBalanceOutstanding());
+
+        GetLoansLoanIdRepaymentPeriod secondDownPaymentPeriod = periods.get(3);
+        assertEquals(expectedSecondDownPaymentAmount, secondDownPaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedSecondDownPaymentDueDate, secondDownPaymentPeriod.getDueDate());
+
+        GetLoansLoanIdRepaymentPeriod firstRepaymentPeriod = periods.get(4);
+        assertEquals(expectedRepaymentAmount, firstRepaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedFirstRepaymentDueDate, firstRepaymentPeriod.getDueDate());
+        assertEquals(outstandingBalanceOnFirstRepayment, firstRepaymentPeriod.getPrincipalLoanBalanceOutstanding());
+
+        GetLoansLoanIdRepaymentPeriod secondRepaymentPeriod = periods.get(5);
+        assertEquals(expectedRepaymentAmount, secondRepaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedSecondRepaymentDueDate, secondRepaymentPeriod.getDueDate());
+        assertEquals(outstandingBalanceOnSecondRepayment, secondRepaymentPeriod.getPrincipalLoanBalanceOutstanding());
+
+        GetLoansLoanIdRepaymentPeriod thirdRepaymentPeriod = periods.get(6);
+        assertEquals(expectedRepaymentAmount, thirdRepaymentPeriod.getTotalDueForPeriod());
+        assertEquals(expectedThirdRepaymentDueDate, thirdRepaymentPeriod.getDueDate());
+        assertEquals(outstandingBalanceOnThirdRepayment, thirdRepaymentPeriod.getPrincipalLoanBalanceOutstanding());
    }

    private Integer createLoanProductWithDownPaymentConfiguration(final LoanTransactionHelper loanTransactionHelper,
@@ -405,7 +495,7 @@ public class LoanRepaymentScheduleWithDownPaymentTest {
    private Integer createApproveAndDisburseTwiceLoanAccount(final Integer clientID, final Long loanProductID, final String externalId,
            final String numberOfRepayments) {

-        String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("1")
+        String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency(numberOfRepayments)
                .withLoanTermFrequencyAsMonths().withNumberOfRepayments(numberOfRepayments).withRepaymentEveryAfter("1")
                .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance()
                .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod()