diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature index e5bc5d79e..9fcf5f519 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature @@ -2702,3 +2702,342 @@ Feature: Full Term Tranche - Schedule handling and Calculations | 01 March 2024 | Contract Termination | 201.99 | 200.0 | 1.99 | 0.0 | 0.0 | 0.0 | false | false | When Loan Pay-off is made on "01 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4566 @AdvancedPaymentAllocation + Scenario: Verify full term tranche interest bearing progressive loan - second disbursement on installment date - payment holiday - reschedule - UC10 + 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_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | + 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 | +# --- 2nd disbursement on installment date --- + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount + 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 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | + When Admin sets the business date to "01 March 2024" + When Admin creates and approves Loan reschedule with the following data: + | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | + | 01 May 2024 | 01 May 2024 | 15 May 2024 | | | | | + 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 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 4 | 44 | 15 May 2024 | | 84.87 | 32.91 | 1.35 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 15 June 2024 | | 51.28 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 15 July 2024 | | 17.43 | 33.85 | 0.41 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 15 August 2024 | | 0.0 | 17.43 | 0.14 | 0.0 | 0.0 | 17.57 | 0.0 | 0.0 | 0.0 | 17.57 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 6.0 | 0.0 | 0.0 | 206.0 | 17.13 | 0.0 | 0.0 | 188.87 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | + When Loan Pay-off is made on "01 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4567 @AdvancedPaymentAllocation + Scenario: Verify full term tranche interest bearing progressive loan - second disbursement mid-period - payment holiday - reschedule - UC10.1 + 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_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | + 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 | +# --- 2nd disbursement mid-period (Feb 15) --- + When Admin sets the business date to "15 February 2024" + When Admin successfully disburse the loan on "15 February 2024" with "100" EUR transaction amount + 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 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | | | 15 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 150.59 | 33.07 | 1.13 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 3 | 31 | 01 April 2024 | | 117.58 | 33.01 | 1.19 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 4 | 30 | 01 May 2024 | | 84.31 | 33.27 | 0.93 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 5 | 31 | 01 June 2024 | | 50.78 | 33.53 | 0.67 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 6 | 30 | 01 July 2024 | | 16.92 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 16.92 | 0.13 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 5.24 | 0.0 | 0.0 | 205.24 | 0.0 | 0.0 | 0.0 | 205.24 | + 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 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false | + When Admin sets the business date to "01 March 2024" + When Admin creates and approves Loan reschedule with the following data: + | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | + | 01 May 2024 | 01 May 2024 | 15 May 2024 | | | | | + 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 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | | | 15 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 150.66 | 33.0 | 1.2 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 3 | 31 | 01 April 2024 | | 117.65 | 33.01 | 1.19 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 4 | 44 | 15 May 2024 | | 84.8 | 32.85 | 1.35 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 5 | 31 | 15 June 2024 | | 51.27 | 33.53 | 0.67 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | + | 6 | 30 | 15 July 2024 | | 17.42 | 33.85 | 0.41 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 15 August 2024 | | 0.0 | 17.42 | 0.14 | 0.0 | 0.0 | 17.56 | 0.0 | 0.0 | 0.0 | 17.56 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 5.75 | 0.0 | 0.0 | 205.75 | 0.0 | 0.0 | 0.0 | 205.75 | + 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 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false | + When Loan Pay-off is made on "01 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4568 @AdvancedPaymentAllocation + Scenario: Verify full term tranche interest bearing progressive loan - second disbursement on installment date - interest rate change - reschedule - UC10.2 + 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_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | + 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 | +# --- 2nd disbursement on installment date --- + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount + 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 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | + When Admin sets the business date to "02 February 2024" + When Admin creates and approves Loan reschedule with the following data: + | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | + | 01 March 2024 | 02 February 2024 | | | | | 10 | + 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 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 153.61 | 30.05 | 1.45 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0 | 31.5 | + | 3 | 31 | 01 April 2024 | | 123.39 | 30.22 | 1.28 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0 | 31.5 | + | 4 | 30 | 01 May 2024 | | 92.92 | 30.47 | 1.03 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0 | 31.5 | + | 5 | 31 | 01 June 2024 | | 62.19 | 30.73 | 0.77 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0 | 31.5 | + | 6 | 30 | 01 July 2024 | | 31.21 | 30.98 | 0.52 | 0.0 | 0.0 | 31.5 | 0.0 | 0.0 | 0.0 | 31.5 | + | 7 | 31 | 01 August 2024 | | 0.0 | 31.21 | 0.26 | 0.0 | 0.0 | 31.47 | 0.0 | 0.0 | 0.0 | 31.47 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 6.1 | 0.0 | 0.0 | 206.1 | 17.13 | 0.0 | 0.0 | 188.97 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | + 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 + + @TestRailId:C4569 @AdvancedPaymentAllocation + Scenario: Verify full term tranche interest bearing progressive loan - second disbursement on installment date - extra terms - reschedule - UC10.3 + 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_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | + 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 | +# --- 2nd disbursement on installment date --- + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount + 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 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | + | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | + When Admin sets the business date to "02 February 2024" + When Admin creates and approves Loan reschedule with the following data: + | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | + | 01 March 2024 | 02 February 2024 | | | | 2 | | + 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 161.33 | 22.33 | 1.45 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0 | 23.78 | + | 3 | 31 | 01 April 2024 | | 138.82 | 22.51 | 1.27 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0 | 23.78 | + | 4 | 30 | 01 May 2024 | | 116.14 | 22.68 | 1.1 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0 | 23.78 | + | 5 | 31 | 01 June 2024 | | 93.28 | 22.86 | 0.92 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0 | 23.78 | + | 6 | 30 | 01 July 2024 | | 70.24 | 23.04 | 0.74 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0 | 23.78 | + | 7 | 31 | 01 August 2024 | | 47.02 | 23.22 | 0.56 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0 | 23.78 | + | 8 | 31 | 01 September 2024 | | 23.61 | 23.41 | 0.37 | 0.0 | 0.0 | 23.78 | 0.0 | 0.0 | 0.0 | 23.78 | + | 9 | 30 | 01 October 2024 | | 0.0 | 23.61 | 0.19 | 0.0 | 0.0 | 23.8 | 0.0 | 0.0 | 0.0 | 23.8 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 7.39 | 0.0 | 0.0 | 207.39 | 17.13 | 0.0 | 0.0 | 190.26 | + 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | + | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | + 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