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FINERACT-2354: added e2e tests verifying re-aging which changes the due dates and frequencies - Default Behavior, interestRecalculation=true

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Rustam Zeinalov
2025-12-08 11:56:27 +01:00
committed by Adam Saghy
parent 3d8d122bb3
commit 399789ba42
1 changed files with 434 additions and 0 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature
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@@ -14567,3 +14567,437 @@ Feature: LoanReAging
When Loan Pay-off is made on "01 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4296 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from MONTHS to DAYS - Interest Split scenario - UC13.1
When Admin sets the business date to "01 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "15 March 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 15 | DAYS | 01 April 2024| 6 |
Then Loan Repayment schedule has 9 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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 17 | 01 April 2024 | | 70.36 | 13.21 | 0.98 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
| 5 | 15 | 16 April 2024 | | 56.38 | 13.98 | 0.21 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
| 6 | 15 | 01 May 2024 | | 42.35 | 14.03 | 0.16 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
| 7 | 15 | 16 May 2024 | | 28.28 | 14.07 | 0.12 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
| 8 | 15 | 31 May 2024 | | 14.17 | 14.11 | 0.08 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
| 9 | 15 | 15 June 2024 | | 0.0 | 14.17 | 0.04 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.17 | 0.0 | 0.0 | 102.17 | 17.01 | 0.0 | 0.0 | 85.16 |
Then 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 |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "15 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4297 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from DAYS to MONTHS - Fees and Interest Split before re-aging - UC13.2
When Admin sets the business date to "01 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_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 90 | DAYS | 15 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | 15 | 16 January 2024 | | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 2 | 15 | 31 January 2024 | | 66.85 | 16.6 | 0.24 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 3 | 15 | 15 February 2024 | | 50.2 | 16.65 | 0.19 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 4 | 15 | 01 March 2024 | | 33.51 | 16.69 | 0.15 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 5 | 15 | 16 March 2024 | | 16.77 | 16.74 | 0.1 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 6 | 15 | 31 March 2024 | | 0.0 | 16.77 | 0.05 | 0.0 | 0.0 | 16.82 | 0.0 | 0.0 | 0.0 | 16.82 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.02 | 0.0 | 0.0 | 101.02 | 0.0 | 0.0 | 0.0 | 101.02 |
When Admin sets the business date to "16 January 2024"
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 16.98 EUR transaction amount
When Admin sets the business date to "20 January 2024"
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 January 2024" due date and 10 EUR transaction amount
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Snooze fee | false | Specified due date | 20 January 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
When Admin sets the business date to "10 February 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 1 | MONTHS | 01 March 2024| 5 |
Then Loan Repayment schedule has 8 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 | 15 | 16 January 2024 | 16 January 2024 | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 16.84 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 31 January 2024 | | 83.31 | 0.14 | 0.0 | 10.0 | 0.0 | 10.14 | 0.14 | 0.14 | 0.0 | 10.0 |
| 3 | 10 | 10 February 2024 | 10 February 2024 | 83.31 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 20 | 01 March 2024 | | 67.03 | 16.28 | 0.72 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
| 5 | 31 | 01 April 2024 | | 50.43 | 16.6 | 0.4 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
| 6 | 30 | 01 May 2024 | | 33.72 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
| 7 | 31 | 01 June 2024 | | 16.92 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
| 8 | 30 | 01 July 2024 | | 0.0 | 16.92 | 0.1 | 0.0 | 0.0 | 17.02 | 0.0 | 0.0 | 0.0 | 17.02 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 10.0 | 0.0 | 112.0 | 16.98 | 0.14 | 0.0 | 95.02 |
Then 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 |
| 16 January 2024 | Repayment | 16.98 | 16.69 | 0.29 | 0.0 | 0.0 | 83.31 | false | false |
| 10 February 2024 | Re-age | 83.71 | 83.31 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Snooze fee | false | Specified due date | 20 January 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
When Loan Pay-off is made on "10 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4298 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from MONTHS to WEEKS - Charge-back before re-aging - UC13.3
When Admin sets the business date to "01 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "05 February 2024"
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
When Admin sets the business date to "20 March 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 2 | WEEKS | 01 April 2024| 8 |
Then Loan Repayment schedule has 11 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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 20 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 19 | 20 March 2024 | 20 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 12 | 01 April 2024 | | 88.9 | 11.1 | 1.74 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
| 5 | 14 | 15 April 2024 | | 76.3 | 12.6 | 0.24 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
| 6 | 14 | 29 April 2024 | | 63.67 | 12.63 | 0.21 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
| 7 | 14 | 13 May 2024 | | 51.0 | 12.67 | 0.17 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
| 8 | 14 | 27 May 2024 | | 38.29 | 12.71 | 0.13 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
| 9 | 14 | 10 June 2024 | | 25.55 | 12.74 | 0.1 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
| 10 | 14 | 24 June 2024 | | 12.78 | 12.77 | 0.07 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
| 11 | 14 | 08 July 2024 | | 0.0 | 12.78 | 0.03 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.43 | 3.27 | 0.0 | 0.0 | 119.7 | 17.01 | 0.0 | 0.0 | 102.69 |
Then 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 |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
| 20 March 2024 | Re-age | 101.51 | 100.0 | 1.51 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "20 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4299 @AdvancedPaymentAllocation
Scenario:Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed - N+1 Scenario - UC13.4
When Admin sets the business date to "01 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "25 March 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 2 | MONTHS | 01 May 2024 | 3 |
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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 24 | 25 March 2024 | 25 March 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 37 | 01 May 2024 | | 44.95 | 22.1 | 0.77 | 0.0 | 0.0 | 22.87 | 0.0 | 0.0 | 0.0 | 22.87 |
| 5 | 61 | 01 July 2024 | | 22.6 | 22.35 | 0.52 | 0.0 | 0.0 | 22.87 | 0.0 | 0.0 | 0.0 | 22.87 |
| 6 | 62 | 01 September 2024| | 0.0 | 22.6 | 0.26 | 0.0 | 0.0 | 22.86 | 0.0 | 0.0 | 0.0 | 22.86 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.62 | 0.0 | 0.0 | 102.62 | 34.02 | 0.0 | 0.0 | 68.6 |
Then 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 |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 25 March 2024 | Re-age | 67.35 | 67.05 | 0.3 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "25 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4300 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from WEEKS to DAYS - Partially paid installment - UC13.5
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | WEEKS | 2 | WEEKS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | 14 | 15 January 2024 | | 83.44 | 16.56 | 0.27 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 2 | 14 | 29 January 2024 | | 66.84 | 16.6 | 0.23 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 3 | 14 | 12 February 2024 | | 50.19 | 16.65 | 0.18 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 4 | 14 | 26 February 2024 | | 33.5 | 16.69 | 0.14 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 5 | 14 | 11 March 2024 | | 16.76 | 16.74 | 0.09 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 6 | 14 | 25 March 2024 | | 0.0 | 16.76 | 0.05 | 0.0 | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.96 | 0.0 | 0.0 | 100.96 | 0.0 | 0.0 | 0.0 | 100.96 |
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 16.86 EUR transaction amount
When Admin sets the business date to "29 January 2024"
And Customer makes "AUTOPAY" repayment on "29 January 2024" with 10.0 EUR transaction amount
When Admin sets the business date to "20 February 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 10 | DAYS | 01 March 2024| 5 |
Then Loan Repayment schedule has 9 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 | 14 | 15 January 2024 | 15 January 2024 | 83.44 | 16.56 | 0.27 | 0.0 | 0.0 | 16.83 | 16.83 | 0.0 | 0.0 | 0.0 |
| 2 | 14 | 29 January 2024 | 20 February 2024 | 73.64 | 9.8 | 0.23 | 0.0 | 0.0 | 10.03 | 10.03 | 0.03 | 0.0 | 0.0 |
| 3 | 14 | 12 February 2024 | 20 February 2024 | 73.64 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 8 | 20 February 2024 | 20 February 2024 | 73.64 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 5 | 10 | 01 March 2024 | | 59.21 | 14.43 | 0.45 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
| 6 | 10 | 11 March 2024 | | 44.45 | 14.76 | 0.12 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
| 7 | 10 | 21 March 2024 | | 29.66 | 14.79 | 0.09 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
| 8 | 10 | 31 March 2024 | | 14.84 | 14.82 | 0.06 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
| 9 | 10 | 10 April 2024 | | 0.0 | 14.84 | 0.03 | 0.0 | 0.0 | 14.87 | 0.0 | 0.0 | 0.0 | 14.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.25 | 0.0 | 0.0 | 101.25 | 26.86 | 0.03 | 0.0 | 74.39 |
Then 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 |
| 15 January 2024 | Repayment | 16.86 | 16.59 | 0.27 | 0.0 | 0.0 | 83.41 | false | false |
| 29 January 2024 | Repayment | 10.0 | 9.77 | 0.23 | 0.0 | 0.0 | 73.64 | false | false |
| 20 February 2024 | Re-age | 73.95 | 73.64 | 0.31 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "20 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4301 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed (15 to 30 DAYS) - Multiple installments paid - UC13.6
When Admin sets the business date to "01 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_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 90 | DAYS | 15 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | 15 | 16 January 2024 | | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 2 | 15 | 31 January 2024 | | 66.85 | 16.6 | 0.24 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 3 | 15 | 15 February 2024 | | 50.2 | 16.65 | 0.19 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 4 | 15 | 01 March 2024 | | 33.51 | 16.69 | 0.15 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 5 | 15 | 16 March 2024 | | 16.77 | 16.74 | 0.1 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
| 6 | 15 | 31 March 2024 | | 0.0 | 16.77 | 0.05 | 0.0 | 0.0 | 16.82 | 0.0 | 0.0 | 0.0 | 16.82 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.02 | 0.0 | 0.0 | 101.02 | 0.0 | 0.0 | 0.0 | 101.02 |
When Admin sets the business date to "16 January 2024"
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 16.98 EUR transaction amount
When Admin sets the business date to "31 January 2024"
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 16.98 EUR transaction amount
When Admin sets the business date to "15 February 2024"
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 16.98 EUR transaction amount
When Admin sets the business date to "10 March 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 30 | DAYS | 01 April 2024| 2 |
Then Loan Repayment schedule has 7 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 | 15 | 16 January 2024 | 16 January 2024 | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 16.84 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 31 January 2024 | 31 January 2024 | 66.85 | 16.6 | 0.24 | 0.0 | 0.0 | 16.84 | 16.84 | 0.14 | 0.0 | 0.0 |
| 3 | 15 | 15 February 2024 | 15 February 2024 | 50.2 | 16.65 | 0.19 | 0.0 | 0.0 | 16.84 | 16.84 | 0.28 | 0.0 | 0.0 |
| 4 | 15 | 01 March 2024 | 10 March 2024 | 49.78 | 0.42 | 0.0 | 0.0 | 0.0 | 0.42 | 0.42 | 0.42 | 0.0 | 0.0 |
| 5 | 9 | 10 March 2024 | 10 March 2024 | 49.78 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 6 | 22 | 01 April 2024 | | 25.04 | 24.74 | 0.45 | 0.0 | 0.0 | 25.19 | 0.0 | 0.0 | 0.0 | 25.19 |
| 7 | 30 | 01 May 2024 | | 0.0 | 25.04 | 0.15 | 0.0 | 0.0 | 25.19 | 0.0 | 0.0 | 0.0 | 25.19 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.32 | 0.0 | 0.0 | 101.32 | 50.94 | 0.84 | 0.0 | 50.38 |
Then 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 |
| 16 January 2024 | Repayment | 16.98 | 16.69 | 0.29 | 0.0 | 0.0 | 83.31 | false | false |
| 31 January 2024 | Repayment | 16.98 | 16.74 | 0.24 | 0.0 | 0.0 | 66.57 | false | false |
| 15 February 2024 | Repayment | 16.98 | 16.79 | 0.19 | 0.0 | 0.0 | 49.78 | false | false |
| 10 March 2024 | Re-age | 50.02 | 49.78 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "10 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4302 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from DAYS to WEEKS with penalties - UC13.7
When Admin sets the business date to "01 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_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 60 | DAYS | 10 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | 10 | 11 January 2024 | | 83.41 | 16.59 | 0.19 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
| 2 | 10 | 21 January 2024 | | 66.79 | 16.62 | 0.16 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
| 3 | 10 | 31 January 2024 | | 50.14 | 16.65 | 0.13 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
| 4 | 10 | 10 February 2024 | | 33.46 | 16.68 | 0.1 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
| 5 | 10 | 20 February 2024 | | 16.75 | 16.71 | 0.07 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
| 6 | 10 | 01 March 2024 | | 0.0 | 16.75 | 0.03 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.68 | 0.0 | 0.0 | 100.68 | 0.0 | 0.0 | 0.0 | 100.68 |
When Admin sets the business date to "11 January 2024"
And Customer makes "AUTOPAY" repayment on "11 January 2024" with 16.8 EUR transaction amount
When Admin sets the business date to "31 January 2024"
When Admin adds "LOAN_NSF_FEE" due date charge with "31 January 2024" due date and 5 EUR transaction amount
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 31 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 |
When Admin sets the business date to "15 February 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 1 | WEEKS | 01 March 2024 | 6 |
Then Loan Repayment schedule has 11 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 | 10 | 11 January 2024 | 11 January 2024 | 83.41 | 16.59 | 0.19 | 0.0 | 0.0 | 16.78 | 16.78 | 0.0 | 0.0 | 0.0 |
| 2 | 10 | 21 January 2024 | 15 February 2024 | 83.39 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | 0.02 | 0.02 | 0.0 | 0.0 |
| 3 | 10 | 31 January 2024 | | 83.39 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 |
| 4 | 10 | 10 February 2024 | 15 February 2024 | 83.39 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 5 | 5 | 15 February 2024 | 15 February 2024 | 83.39 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 6 | 15 | 01 March 2024 | | 70.11 | 13.28 | 0.8 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
| 7 | 7 | 08 March 2024 | | 56.13 | 13.98 | 0.1 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
| 8 | 7 | 15 March 2024 | | 42.13 | 14.0 | 0.08 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
| 9 | 7 | 22 March 2024 | | 28.11 | 14.02 | 0.06 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
| 10 | 7 | 29 March 2024 | | 14.07 | 14.04 | 0.04 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
| 11 | 7 | 05 April 2024 | | 0.0 | 14.07 | 0.02 | 0.0 | 0.0 | 14.09 | 0.0 | 0.0 | 0.0 | 14.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.29 | 0.0 | 5.0 | 106.29 | 16.8 | 0.02 | 0.0 | 89.49 |
Then 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 |
| 11 January 2024 | Repayment | 16.8 | 16.61 | 0.19 | 0.0 | 0.0 | 83.39 | false | false |
| 15 February 2024 | Re-age | 83.95 | 83.39 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 31 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 |
When Loan Pay-off is made on "15 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4303 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed - change from WEEKS to MONTHS with multiple repayment transactions - UC13.8
When Admin sets the business date to "01 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 18 | WEEKS | 3 | WEEKS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 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 | 21 | 22 January 2024 | | 83.5 | 16.5 | 0.41 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
| 2 | 21 | 12 February 2024 | | 66.93 | 16.57 | 0.34 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
| 3 | 21 | 04 March 2024 | | 50.29 | 16.64 | 0.27 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
| 4 | 21 | 25 March 2024 | | 33.59 | 16.7 | 0.21 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
| 5 | 21 | 15 April 2024 | | 16.82 | 16.77 | 0.14 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
| 6 | 21 | 06 May 2024 | | 0.0 | 16.82 | 0.07 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.44 | 0.0 | 0.0 | 101.44 | 0.0 | 0.0 | 0.0 | 101.44 |
When Admin sets the business date to "22 January 2024"
And Customer makes "AUTOPAY" repayment on "22 January 2024" with 17.16 EUR transaction amount
When Admin sets the business date to "12 February 2024"
And Customer makes "AUTOPAY" repayment on "12 February 2024" with 17.16 EUR transaction amount
When Admin sets the business date to "04 March 2024"
And Customer makes "AUTOPAY" repayment on "04 March 2024" with 10.0 EUR transaction amount
When Admin sets the business date to "20 March 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 1 | MONTHS | 01 April 2024| 4 |
Then Loan Repayment schedule has 8 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 | 21 | 22 January 2024 | 22 January 2024 | 83.5 | 16.5 | 0.41 | 0.0 | 0.0 | 16.91 | 16.91 | 0.0 | 0.0 | 0.0 |
| 2 | 21 | 12 February 2024 | 12 February 2024 | 66.93 | 16.57 | 0.34 | 0.0 | 0.0 | 16.91 | 16.91 | 0.25 | 0.0 | 0.0 |
| 3 | 21 | 04 March 2024 | 20 March 2024 | 56.7 | 10.23 | 0.27 | 0.0 | 0.0 | 10.5 | 10.5 | 0.5 | 0.0 | 0.0 |
| 4 | 16 | 20 March 2024 | 20 March 2024 | 56.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 5 | 12 | 01 April 2024 | | 42.63 | 14.07 | 0.31 | 0.0 | 0.0 | 14.38 | 0.0 | 0.0 | 0.0 | 14.38 |
| 6 | 30 | 01 May 2024 | | 28.5 | 14.13 | 0.25 | 0.0 | 0.0 | 14.38 | 0.0 | 0.0 | 0.0 | 14.38 |
| 7 | 31 | 01 June 2024 | | 14.29 | 14.21 | 0.17 | 0.0 | 0.0 | 14.38 | 0.0 | 0.0 | 0.0 | 14.38 |
| 8 | 30 | 01 July 2024 | | 0.0 | 14.29 | 0.08 | 0.0 | 0.0 | 14.37 | 0.0 | 0.0 | 0.0 | 14.37 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.83 | 0.0 | 0.0 | 101.83 | 44.32 | 0.75 | 0.0 | 57.51 |
Then 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 |
| 22 January 2024 | Repayment | 17.16 | 16.75 | 0.41 | 0.0 | 0.0 | 83.25 | false | false |
| 12 February 2024 | Repayment | 17.16 | 16.82 | 0.34 | 0.0 | 0.0 | 66.43 | false | false |
| 04 March 2024 | Repayment | 10.0 | 9.73 | 0.27 | 0.0 | 0.0 | 56.7 | false | false |
| 20 March 2024 | Re-age | 56.88 | 56.7 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "20 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met