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FINERACT-1981: added e2e test for validation of progressive Loan schedule handling

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This commit is contained in:
Rustam Zeinalov
2025-07-08 23:22:50 +02:00
committed by Adam Saghy
parent d165a3feda
commit 3f359bb368
1 changed files with 173 additions and 0 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanCharge.feature
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@@ -7313,3 +7313,176 @@ Feature: LoanCharge
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Installment percentage amount + interest fee | false | Installment Fee | | % Loan Amount + Interest | 100.0 | 0.0 | 100.0 | 0.0 |
@TestRailId:C3823
Scenario: Progressive loan - Verify non-tranche loan with all installment fee charge types and repayments
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 | 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 adds "LOAN_INSTALLMENT_FEE_FLAT" installment charge with 10 amount
When Admin adds "LOAN_INSTALLMENT_FEE_PERCENTAGE_AMOUNT" installment charge with 1 amount
When Admin adds "LOAN_INSTALLMENT_FEE_PERCENTAGE_INTEREST" installment charge with 5 amount
When Admin adds "LOAN_INSTALLMENT_FEE_PERCENTAGE_AMOUNT_PLUS_INTEREST" installment charge with 1 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 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 10.35 | 0.0 | 27.36 | 0.0 | 0.0 | 0.0 | 27.36 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 10.35 | 0.0 | 27.36 | 0.0 | 0.0 | 0.0 | 27.36 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 10.34 | 0.0 | 27.34 | 0.0 | 0.0 | 0.0 | 27.34 |
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 | 62.12 | 0.0 | 164.17 | 0.0 | 0.0 | 0.0 | 164.17 |
Then Loan Transactions tab has none transaction
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 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 10.35 | 0.0 | 27.36 | 0.0 | 0.0 | 0.0 | 27.36 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 10.35 | 0.0 | 27.36 | 0.0 | 0.0 | 0.0 | 27.36 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 10.34 | 0.0 | 27.34 | 0.0 | 0.0 | 0.0 | 27.34 |
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 | 62.12 | 0.0 | 164.17 | 0.0 | 0.0 | 0.0 | 164.17 |
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 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Installment flat fee | false | Installment Fee | | Flat | 60.0 | 0.0 | 0.0 | 60.0 |
| Installment percentage amount + interest fee | false | Installment Fee | | % Loan Amount + Interest | 1.02 | 0.0 | 0.0 | 1.02 |
| Installment percentage interest fee | false | Installment Fee | | % Interest | 0.09 | 0.0 | 0.0 | 0.09 |
| Installment percentage amount fee | false | Installment Fee | | % Amount | 1.01 | 0.0 | 0.0 | 1.01 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 27.37 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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 10.36 | 0.0 | 27.37 | 27.37 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 10.36 | 0.0 | 27.37 | 0.0 | 0.0 | 0.0 | 27.37 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 10.35 | 0.0 | 27.36 | 0.0 | 0.0 | 0.0 | 27.36 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 10.35 | 0.0 | 27.36 | 0.0 | 0.0 | 0.0 | 27.36 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 10.34 | 0.0 | 27.34 | 0.0 | 0.0 | 0.0 | 27.34 |
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 | 62.12 | 0.0 | 164.17 | 27.37 | 0.0 | 0.0 | 136.8 |
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 | 27.37 | 16.43 | 0.58 | 10.36 | 0.0 | 83.57 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Installment percentage amount + interest fee | false | Installment Fee | | % Loan Amount + Interest | 1.02 | 0.17 | 0.0 | 0.85 |
| Installment percentage interest fee | false | Installment Fee | | % Interest | 0.09 | 0.03 | 0.0 | 0.06 |
| Installment flat fee | false | Installment Fee | | Flat | 60.0 | 10.0 | 0.0 | 50.0 |
| Installment percentage amount fee | false | Installment Fee | | % Amount | 1.01 | 0.16 | 0.0 | 0.85 |
@TestRailId:C3824
Scenario: Progressive loan - Verify tranche loan with installment fee charges, repayments and multiple disbursements
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_MULTIDISBURSE | 01 January 2024 | 200 | 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 "200" amount and expected disbursement date on "01 January 2024"
When Admin adds "LOAN_INSTALLMENT_FEE_FLAT" installment charge with 10 amount
When Admin adds "LOAN_INSTALLMENT_FEE_PERCENTAGE_INTEREST" installment charge with 5 amount
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 | 10.03 | 0.0 | 27.04 | 0.0 | 0.0 | 0.0 | 27.04 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.02 | 0.0 | 27.03 | 0.0 | 0.0 | 0.0 | 27.03 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 10.02 | 0.0 | 27.03 | 0.0 | 0.0 | 0.0 | 27.03 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 10.01 | 0.0 | 27.02 | 0.0 | 0.0 | 0.0 | 27.02 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 10.01 | 0.0 | 27.02 | 0.0 | 0.0 | 0.0 | 27.02 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 10.0 | 0.0 | 27.0 | 0.0 | 0.0 | 0.0 | 27.0 |
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 | 60.09 | 0.0 | 162.14 | 0.0 | 0.0 | 0.0 | 162.14 |
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 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Installment percentage interest fee | false | Installment Fee | | % Interest | 0.09 | 0.0 | 0.0 | 0.09 |
| Installment flat fee | false | Installment Fee | | Flat | 60.0 | 0.0 | 0.0 | 60.0 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 27.04 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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 10.03 | 0.0 | 27.04 | 27.04 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.02 | 0.0 | 27.03 | 0.0 | 0.0 | 0.0 | 27.03 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 10.02 | 0.0 | 27.03 | 0.0 | 0.0 | 0.0 | 27.03 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 10.01 | 0.0 | 27.02 | 0.0 | 0.0 | 0.0 | 27.02 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 10.01 | 0.0 | 27.02 | 0.0 | 0.0 | 0.0 | 27.02 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 10.0 | 0.0 | 27.0 | 0.0 | 0.0 | 0.0 | 27.0 |
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 | 60.09 | 0.0 | 162.14 | 27.04 | 0.0 | 0.0 | 135.1 |
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 | 27.04 | 16.43 | 0.58 | 10.03 | 0.0 | 83.57 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Installment percentage interest fee | false | Installment Fee | | % Interest | 0.09 | 0.03 | 0.0 | 0.06 |
| Installment flat fee | false | Installment Fee | | Flat | 60.0 | 10.0 | 0.0 | 50.0 |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 27.03 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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 10.03 | 0.0 | 27.04 | 27.04 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 10.02 | 0.0 | 27.03 | 27.03 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 10.02 | 0.0 | 27.03 | 0.0 | 0.0 | 0.0 | 27.03 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 10.01 | 0.0 | 27.02 | 0.0 | 0.0 | 0.0 | 27.02 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 10.01 | 0.0 | 27.02 | 0.0 | 0.0 | 0.0 | 27.02 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 10.0 | 0.0 | 27.0 | 0.0 | 0.0 | 0.0 | 27.0 |
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 | 60.09 | 0.0 | 162.14 | 54.07 | 0.0 | 0.0 | 108.07 |
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 | 27.04 | 16.43 | 0.58 | 10.03 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 27.03 | 16.52 | 0.49 | 10.02 | 0.0 | 67.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Installment percentage interest fee | false | Installment Fee | | % Interest | 0.09 | 0.05 | 0.0 | 0.04 |
| Installment flat fee | false | Installment Fee | | Flat | 60.0 | 20.0 | 0.0 | 40.0 |
When Admin sets the business date to "03 March 2024"
When Admin successfully disburse the loan on "03 March 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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 10.03 | 0.0 | 27.04 | 27.04 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 10.02 | 0.0 | 27.03 | 27.03 | 0.0 | 0.0 | 0.0 |
| | | 03 March 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 April 2024 | | 125.62 | 41.43 | 0.94 | 10.05 | 0.0 | 52.42 | 0.0 | 0.0 | 0.0 | 52.42 |
| 4 | 30 | 01 May 2024 | | 83.98 | 41.64 | 0.73 | 10.04 | 0.0 | 52.41 | 0.0 | 0.0 | 0.0 | 52.41 |
| 5 | 31 | 01 June 2024 | | 42.1 | 41.88 | 0.49 | 10.02 | 0.0 | 52.39 | 0.0 | 0.0 | 0.0 | 52.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 42.1 | 0.25 | 10.01 | 0.0 | 52.36 | 0.0 | 0.0 | 0.0 | 52.36 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 3.48 | 60.17 | 0.0 | 263.65 | 54.07 | 0.0 | 0.0 | 209.58 |
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 | 27.04 | 16.43 | 0.58 | 10.03 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 27.03 | 16.52 | 0.49 | 10.02 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Installment flat fee | false | Installment Fee | | Flat | 60.0 | 20.0 | 0.0 | 40.0 |
| Installment percentage interest fee | false | Installment Fee | | % Interest | 0.17 | 0.05 | 0.0 | 0.12 |