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FINERACT-2197: Introduce a new type of ACTUAL during calculation of days in year

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Soma Sörös
2025-03-14 13:01:06 +00:00
committed by Adam Saghy
parent 2ac1445dba
commit 3cf85e2977
42 changed files with 974 additions and 122 deletions
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fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature
+108
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@@ -7728,3 +7728,111 @@ Feature: EMI calculation and repayment schedule checks for interest bearing loan
| 10 February 2025 | Repayment | 900.0 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan closedon_date is "10 February 2025"
@TestRailId:C3538
Scenario: Verify leap year calculation with Feb month split between periods - UC1
When Admin sets the business date to "12 December 2023"
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_ACTUAL_ACTUAL_LEAP_YEAR_INTEREST_RECALCULATION_DAILY | 12 December 2023 | 10000 | 9.482 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "12 December 2023" with "10000" amount and expected disbursement date on "12 December 2023"
When Admin successfully disburse the loan on "12 December 2023" with "10000" 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 |
| | | 12 December 2023 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 12 January 2024 | | 8367.32 | 1632.68 | 80.53 | 0.0 | 0.0 | 1713.21 | 0.0 | 0.0 | 0.0 | 1713.21 |
| 2 | 31 | 12 February 2024 | | 6721.49 | 1645.83 | 67.38 | 0.0 | 0.0 | 1713.21 | 0.0 | 0.0 | 0.0 | 1713.21 |
| 3 | 29 | 12 March 2024 | | 5058.78 | 1662.71 | 50.5 | 0.0 | 0.0 | 1713.21 | 0.0 | 0.0 | 0.0 | 1713.21 |
| 4 | 31 | 12 April 2024 | | 3386.31 | 1672.47 | 40.74 | 0.0 | 0.0 | 1713.21 | 0.0 | 0.0 | 0.0 | 1713.21 |
| 5 | 30 | 12 May 2024 | | 1699.49 | 1686.82 | 26.39 | 0.0 | 0.0 | 1713.21 | 0.0 | 0.0 | 0.0 | 1713.21 |
| 6 | 31 | 12 June 2024 | | 0.0 | 1699.49 | 13.69 | 0.0 | 0.0 | 1713.18 | 0.0 | 0.0 | 0.0 | 1713.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 10000.0 | 279.23 | 0.0 | 0.0 | 10279.23 | 0.0 | 0.0 | 0.0 | 10279.23 |
@TestRailId:C3539
Scenario: Verify leap year calculation with no February month but leap year - UC2
When Admin sets the business date to "23 July 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_ACTUAL_ACTUAL_LEAP_YEAR_INTEREST_RECALCULATION_DAILY | 23 July 2024 | 15000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 July 2024" with "15000" amount and expected disbursement date on "23 July 2024"
When Admin successfully disburse the loan on "23 July 2024" with "15000" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 July 2024 | | 15000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | | 11307.47 | 3692.53 | 152.88 | 0.0 | 0.0 | 3845.41 | 0.0 | 0.0 | 0.0 | 3845.41 |
| 2 | 31 | 23 September 2024| | 7577.3 | 3730.17 | 115.24 | 0.0 | 0.0 | 3845.41 | 0.0 | 0.0 | 0.0 | 3845.41 |
| 3 | 30 | 23 October 2024 | | 3806.63 | 3770.67 | 74.74 | 0.0 | 0.0 | 3845.41 | 0.0 | 0.0 | 0.0 | 3845.41 |
| 4 | 31 | 23 November 2024 | | 0.0 | 3806.63 | 38.8 | 0.0 | 0.0 | 3845.43 | 0.0 | 0.0 | 0.0 | 3845.43 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 15000.0 | 381.66 | 0.0 | 0.0 | 15381.66 | 0.0 | 0.0 | 0.0 | 15381.66 |
@TestRailId:C3540
Scenario: Verify leap year calculation with February in one period - UC3
When Admin sets the business date to "31 October 2023"
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_ACTUAL_ACTUAL_LEAP_YEAR_INTEREST_RECALCULATION_DAILY | 31 October 2023 | 245000 | 45 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "31 October 2023" with "245000" amount and expected disbursement date on "31 October 2023"
When Admin successfully disburse the loan on "31 October 2023" with "245000" 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 |
| | | 31 October 2023 | | 245000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 30 November 2023 | | 207713.25 | 37286.75 | 9061.64 | 0.0 | 0.0 | 46348.39 | 0.0 | 0.0 | 0.0 | 46348.39 |
| 2 | 31 | 31 December 2023 | | 169303.49 | 38409.76 | 7938.63 | 0.0 | 0.0 | 46348.39 | 0.0 | 0.0 | 0.0 | 46348.39 |
| 3 | 31 | 31 January 2024 | | 129425.74 | 39877.75 | 6470.64 | 0.0 | 0.0 | 46348.39 | 0.0 | 0.0 | 0.0 | 46348.39 |
| 4 | 29 | 29 February 2024 | | 87692.12 | 41733.62 | 4614.77 | 0.0 | 0.0 | 46348.39 | 0.0 | 0.0 | 0.0 | 46348.39 |
| 5 | 31 | 31 March 2024 | | 44695.25 | 42996.87 | 3351.52 | 0.0 | 0.0 | 46348.39 | 0.0 | 0.0 | 0.0 | 46348.39 |
| 6 | 30 | 30 April 2024 | | 0.0 | 44695.25 | 1653.11 | 0.0 | 0.0 | 46348.36 | 0.0 | 0.0 | 0.0 | 46348.36 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 245000.0 | 33090.31 | 0.0 | 0.0 | 278090.31 | 0.0 | 0.0 | 0.0 | 278090.31 |
@TestRailId:C3541
Scenario: Verify leap year calculation with no February month - leap and non-leap year split - UC4
When Admin sets the business date to "31 October 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_ACTUAL_ACTUAL_LEAP_YEAR_INTEREST_RECALCULATION_DAILY | 31 October 2024 | 2450 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "31 October 2024" with "2450" amount and expected disbursement date on "31 October 2024"
When Admin successfully disburse the loan on "31 October 2024" with "2450" 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 |
| | | 31 October 2024 | | 2450.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 30 November 2024 | | 2049.88 | 400.12 | 20.12 | 0.0 | 0.0 | 420.24 | 0.0 | 0.0 | 0.0 | 420.24 |
| 2 | 31 | 31 December 2024 | | 1647.03 | 402.85 | 17.39 | 0.0 | 0.0 | 420.24 | 0.0 | 0.0 | 0.0 | 420.24 |
| 3 | 31 | 31 January 2025 | | 1240.76 | 406.27 | 13.97 | 0.0 | 0.0 | 420.24 | 0.0 | 0.0 | 0.0 | 420.24 |
| 4 | 28 | 28 February 2025 | | 830.03 | 410.73 | 9.51 | 0.0 | 0.0 | 420.24 | 0.0 | 0.0 | 0.0 | 420.24 |
| 5 | 31 | 31 March 2025 | | 416.83 | 413.2 | 7.04 | 0.0 | 0.0 | 420.24 | 0.0 | 0.0 | 0.0 | 420.24 |
| 6 | 30 | 30 April 2025 | | 0.0 | 416.83 | 3.42 | 0.0 | 0.0 | 420.25 | 0.0 | 0.0 | 0.0 | 420.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 2450.0 | 71.45 | 0.0 | 0.0 | 2521.45 | 0.0 | 0.0 | 0.0 | 2521.45 |
@TestRailId:C3542
Scenario: Verify leap year calculation with no leap year - UC5
When Admin sets the business date to "29 October 2022"
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_ACTUAL_ACTUAL_INTEREST_RECALCULATION_DAILY | 29 October 2022 | 5000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 2 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "29 October 2022" with "5000" amount and expected disbursement date on "29 October 2022"
When Admin successfully disburse the loan on "29 October 2022" with "5000" 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 |
| | | 29 October 2022 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 61 | 29 December 2022 | | 4190.81 | 809.19 | 58.49 | 0.0 | 0.0 | 867.68 | 0.0 | 0.0 | 0.0 | 867.68 |
| 2 | 61 | 28 February 2023 | | 3372.16 | 818.65 | 49.03 | 0.0 | 0.0 | 867.68 | 0.0 | 0.0 | 0.0 | 867.68 |
| 3 | 60 | 29 April 2023 | | 2543.28 | 828.88 | 38.8 | 0.0 | 0.0 | 867.68 | 0.0 | 0.0 | 0.0 | 867.68 |
| 4 | 61 | 29 June 2023 | | 1705.35 | 837.93 | 29.75 | 0.0 | 0.0 | 867.68 | 0.0 | 0.0 | 0.0 | 867.68 |
| 5 | 61 | 29 August 2023 | | 857.62 | 847.73 | 19.95 | 0.0 | 0.0 | 867.68 | 0.0 | 0.0 | 0.0 | 867.68 |
| 6 | 61 | 29 October 2023 | | 0.0 | 857.62 | 10.03 | 0.0 | 0.0 | 867.65 | 0.0 | 0.0 | 0.0 | 867.65 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 206.05 | 0.0 | 0.0 | 5206.05 | 0.0 | 0.0 | 0.0 | 5206.05 |
fineract-e2e-tests-runner/src/test/resources/features/LoanAccrualTransaction.feature
+3 -3
View File
@@ -1139,7 +1139,7 @@ Feature: LoanAccrualTransaction
| 20 February 2025 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 February 2025 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3532
@TestRailId:C3535
Scenario: Verify the accrual activity creation in case of full repayment on maturity date - absence of negative numbers with low interest rate and small principal
When Admin sets the business date to "19 February 2025"
And Admin creates a client with random data
@@ -1280,7 +1280,7 @@ Feature: LoanAccrualTransaction
| 19 February 2025 | Repayment | 0.67 | 0.6 | 0.07 | 0.0 | 0.0 | 6.91 | false | false |
| 20 February 2025 | Merchant Issued Refund | 3.35 | 3.35 | 0.0 | 0.0 | 0.0 | 3.56 | false | false |
@TestRailId:C3533
@TestRailId:C3536
Scenario: Verify the accrual activity creation in case of full repayment on maturity date - absence of negative numbers with high interest rate and large principal
When Admin sets the business date to "19 February 2025"
And Admin creates a client with random data
@@ -1424,7 +1424,7 @@ Feature: LoanAccrualTransaction
| 20 February 2025 | Accrual | 12.33 | 0.0 | 12.33 | 0.0 | 0.0 | 0.0 | false | false |
| 20 February 2025 | Accrual | 12.33 | 0.0 | 12.33 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3534
@TestRailId:C3537
Scenario: Verify the accrual activity creation in case of full repayment on maturity date - absence of negative numbers with mid-range interest rate and mid-range principal
When Admin sets the business date to "19 February 2025"
And Admin creates a client with random data