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FINERACT-2413: added e2e tests for re-amortization with equal interest split accruals handling

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MarianaDmytrivBinariks
2026-02-23 10:10:38 +00:00
committed by Adam Saghy
parent fb43706e6c
commit 47710e161b
2 changed files with 1948 additions and 310 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanReAmortization.feature
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@@ -87,7 +87,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -136,7 +136,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2024-01-19"
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "26 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -156,7 +156,7 @@ Feature: LoanReAmortization
When Admin sets the business date to "25 January 2024"
When Admin creates a Loan re-amortization transaction on current business date
Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -189,7 +189,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -220,7 +220,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 01 February 2024 | Re-amortize | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "01 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -269,7 +269,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 15 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 01 February 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "02 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -302,7 +302,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 01 February 2024 | Re-amortize | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "01 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -335,7 +335,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 31 January 2024 | Re-amortize | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "31 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -384,7 +384,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 17 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 325.0 |
| 30 January 2024 | Re-amortize | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "30 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -405,7 +405,7 @@ Feature: LoanReAmortization
When Admin creates a Loan re-amortization transaction on current business date
Then LoanDelinquencyRangeChangeBusinessEvent is created
Then LoanReAmortizeBusinessEvent is created
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "01 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -463,7 +463,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
| 16 January 2024 | Repayment | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 | 480.0 | true | false |
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "25 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -518,7 +518,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
| 16 January 2024 | Repayment | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 | 480.0 | false | false |
| 20 February 2024 | Re-amortize | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "25 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -576,7 +576,7 @@ Feature: LoanReAmortization
| 16 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
| 16 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 675.0 | false | false |
| 20 February 2024 | Re-amortize | 398.0 | 398.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "25 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -634,7 +634,7 @@ Feature: LoanReAmortization
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
| 16 January 2024 | Repayment | 140.0 | 120.0 | 0.0 | 0.0 | 20.0 | 480.0 | false | true |
| 20 February 2024 | Re-amortize | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "25 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -740,7 +740,7 @@ Feature: LoanReAmortization
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 21 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
| 21 February 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 675.0 | true | false |
# --- close the loan --- #
# --- close the loan --- #
When Loan Pay-off is made on "23 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@@ -1215,7 +1215,7 @@ Feature: LoanReAmortization
| 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-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
# --- close the loan --- #
# --- close the loan --- #
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
@@ -1285,8 +1285,8 @@ Feature: LoanReAmortization
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
#TODO - Active status after pay-off
#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
# 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:C4221 @AdvancedPaymentAllocation
Scenario: Verify Re-amortization transaction on interest bearing loan - Interest handling: EQUAL_AMORTIZATION_INTEREST_SPLIT - UC3: Principal interest and fee re-amortization, N+1 installment
@@ -1686,7 +1686,6 @@ Feature: LoanReAmortization
| 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-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
@@ -4383,7 +4382,7 @@ Feature: LoanReAmortization
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4503
Scenario: Verify Re-amortization with backdated interest pause to re-aging, starts after re-aging with last instalment strategy - interest bearing loan with equal amortization + interest split - UC3.3
Scenario: Verify Re-amortization with backdated interest pause to re-aging, starts after re-amortization with last instalment strategy - interest bearing loan with equal amortization + interest split - UC3.3
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
@@ -4425,7 +4424,7 @@ Feature: LoanReAmortization
| 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 |
# --- Check before re-age --- #
# --- Check before re-amortization --- #
When Admin sets the business date to "15 March 2024"
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 |
@@ -6887,291 +6886,3 @@ Feature: LoanReAmortization
When Admin creates a Loan re-amortization transaction on current business date is forbidden as re-amortization already done for today
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:C4535 @AdvancedPaymentAllocation
Scenario: Verify re-amortization - accrual & accrual Activity S1
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_RECALCULATION_DAILY_ACCRUAL_ACTIVITY_POSTING | 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 |
Then Loan Transactions tab has the following data without accruals:
| 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 |
# --- First installment paid --- #
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
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 | | 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 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data without accruals:
| 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 |
# --- re-amortization transaction
When Admin sets the business date to "15 March 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false |
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
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 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 62.86 | 20.71 | 0.61 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 5 | 31 | 01 June 2024 | | 21.08 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 6 | 30 | 01 July 2024 | | 0.0 | 21.08 | 0.24 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 17.01 | 0.0 | 0.0 | 85.28 |
Then Loan Transactions tab has the following data without accruals:
| 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-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "16 March 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 15 March 2024 | Accrual Adjustment | 0.42 | 0.0 | 0.42 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 April 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 17 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 18 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 19 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 20 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 24 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 25 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 29 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 30 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 21.32 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 | 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 | 31 | 01 April 2024 | 01 April 2024 | 62.86 | 20.71 | 0.61 | 0.0 | 0.0 | 21.32 | 21.32 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 5 | 31 | 01 June 2024 | | 21.08 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 6 | 30 | 01 July 2024 | | 0.0 | 21.08 | 0.24 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 38.33 | 0.0 | 0.0 | 63.96 |
Then Loan Transactions tab has the following data without accruals:
| 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-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Repayment | 21.32 | 20.71 | 0.61 | 0.0 | 0.0 | 62.86 | false | false |
# | 01 April 2024 | Accrual Activity | 0.61 | 0.0 | 0.61 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 May 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 17 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 22 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 24 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 25 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "01 May 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 May 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan has 1.92 total Accruals
Then Loan Transactions tab has the following data without accruals:
| 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-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Repayment | 21.32 | 20.71 | 0.61 | 0.0 | 0.0 | 62.86 | false | false |
| 01 April 2024 | Accrual Activity | 0.61 | 0.0 | 0.61 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Repayment | 63.59 | 62.86 | 0.73 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual Activity | 0.73 | 0.0 | 0.73 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C4535 @AdvancedPaymentAllocation
Scenario: Verify re-amortization - accrual & accrual Activity S2
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_RECALCULATION_DAILY_ACCRUAL_ACTIVITY_POSTING | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 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 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 2 | 29 | 01 March 2024 | | 50.28 | 24.93 | 0.44 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 3 | 31 | 01 April 2024 | | 25.2 | 25.08 | 0.29 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.2 | 0.15 | 0.0 | 0.0 | 25.35 | 0.0 | 0.0 | 0.0 | 25.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 0.0 | 0.0 | 0.0 | 101.46 |
Then Loan Transactions tab has the following data without accruals:
| 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 |
# --- First installment paid --- #
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.37 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 25.37 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 50.28 | 24.93 | 0.44 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 3 | 31 | 01 April 2024 | | 25.2 | 25.08 | 0.29 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.2 | 0.15 | 0.0 | 0.0 | 25.35 | 0.0 | 0.0 | 0.0 | 25.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 25.37 | 0.0 | 0.0 | 76.09 |
Then Loan Transactions tab has the following data without accruals:
| 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 | 25.37 | 24.79 | 0.58 | 0.0 | 0.0 | 75.21 | false | false |
# --- re-amortization transaction
When Admin sets the business date to "01 April 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2024 | Accrual | 1.44 | 0.0 | 1.44 | 0.0 | 0.0 | 0.0 | false | false |
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 25.37 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 April 2024 | 75.21 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 75.21 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 0.0 | 75.21 | 1.32 | 0.0 | 0.0 | 76.53 | 0.0 | 0.0 | 0.0 | 76.53 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.9 | 0.0 | 0.0 | 101.9 | 25.37 | 0.0 | 0.0 | 76.53 |
Then Loan Transactions tab has the following data without accruals:
| 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 | 25.37 | 24.79 | 0.58 | 0.0 | 0.0 | 75.21 | false | false |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Re-amortize | 50.74 | 49.86 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "02 April 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2024 | Accrual Adjustment | 0.86 | 0.0 | 0.86 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 May 2024"
When Admin runs inline COB job for Loan
## Why we have accrual adjustment on 02 april
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 02 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 16 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 17 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 18 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 19 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 21 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 22 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 23 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 24 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 25 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 26 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "02 May 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 May 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "01 May 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Then Loan has 1.90 total Accruals
fineract-e2e-tests-runner/src/test/resources/features/LoanReAmortizationAccruals.feature
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