From 399789ba42e71a87601f54916908ba8d84fe922c Mon Sep 17 00:00:00 2001 From: Rustam Zeinalov Date: Wed, 3 Dec 2025 18:34:37 +0100 Subject: [PATCH] FINERACT-2354: added e2e tests verifying re-aging which changes the due dates and frequencies - Default Behavior, interestRecalculation=true --- .../resources/features/LoanReAging.feature | 434 ++++++++++++++++++ 1 file changed, 434 insertions(+) diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature index 687b3a58b..d0da03c4e 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature @@ -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