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FINERACT-2354: Fourth step - Chargeback before re-age edge case for Interest bearing loans - Default Behavior, interestRecalculation = true, without dueDate change

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mariiaKraievska
2025-11-13 12:46:26 +01:00
committed by Adam Saghy
parent 0d737b21cd
commit 4c238801ac
4 changed files with 197 additions and 2 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature
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@@ -3967,6 +3967,193 @@ Feature: LoanReAging
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:C4077 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Charge-back before re-aging - UC3
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback 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 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.99 | 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 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.43 | 2.72 | 0.0 | 0.0 | 119.15 | 17.01 | 0.0 | 0.0 | 102.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false |
When Admin sets the business date to "15 March 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 1 | MONTHS | 01 April 2024| 6 |
Then Loan Repayment schedule has 8 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 84.53 | 15.47 | 1.74 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
| 4 | 30 | 01 May 2024 | | 67.81 | 16.72 | 0.49 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
| 5 | 31 | 01 June 2024 | | 51.0 | 16.81 | 0.4 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
| 6 | 30 | 01 July 2024 | | 34.09 | 16.91 | 0.3 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
| 7 | 31 | 01 August 2024 | | 17.08 | 17.01 | 0.2 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
| 8 | 31 | 01 September 2024| | 0.0 | 17.08 | 0.1 | 0.0 | 0.0 | 17.18 | 0.0 | 0.0 | 0.0 | 17.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.43 | 3.81 | 0.0 | 0.0 | 120.24 | 17.01| 0.0 | 0.0 | 103.23 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
| 15 March 2024 | Re-age | 101.42 | 100.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "15 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Then Loan Repayment schedule has 8 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 15 March 2024 | 84.21 | 15.79 | 1.42 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 15 March 2024 | 67.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 15 March 2024 | 49.79 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 15 March 2024 | 32.58 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
| 7 | 31 | 01 August 2024 | 15 March 2024 | 15.37 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
| 8 | 31 | 01 September 2024| 15 March 2024 | 0.0 | 15.37 | 0.0 | 0.0 | 0.0 | 15.37 | 15.37 | 15.37 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.43 | 2.0 | 0.0 | 0.0 | 118.43 | 118.43 | 101.42 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
| 15 March 2024 | Re-age | 101.42 | 100.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false |
| 15 March 2024 | Repayment | 101.42 | 100.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false |
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Charge-back before re-aging and installment is partially paid - UC3.1
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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback 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 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.99 | 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 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.43 | 2.72 | 0.0 | 0.0 | 119.15 | 17.01 | 0.0 | 0.0 | 102.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 10.0 EUR transaction amount
When Admin sets the business date to "15 March 2024"
When Admin creates a Loan re-aging transaction with the following data:
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
| 1 | MONTHS | 01 April 2024| 6 |
Then Loan Repayment schedule has 8 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 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 | 90.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 76.18 | 13.82 | 1.68 | 0.0 | 0.0 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 |
| 4 | 30 | 01 May 2024 | | 61.12 | 15.06 | 0.44 | 0.0 | 0.0 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 |
| 5 | 31 | 01 June 2024 | | 45.98 | 15.14 | 0.36 | 0.0 | 0.0 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 |
| 6 | 30 | 01 July 2024 | | 30.75 | 15.23 | 0.27 | 0.0 | 0.0 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 |
| 7 | 31 | 01 August 2024 | | 15.43 | 15.32 | 0.18 | 0.0 | 0.0 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 |
| 8 | 31 | 01 September 2024| | 0.0 | 15.43 | 0.09 | 0.0 | 0.0 | 15.52 | 0.0 | 0.0 | 0.0 | 15.52 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.43 | 3.6 | 0.0 | 0.0 | 120.03 | 27.01| 0.0 | 0.0 | 93.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
| 01 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
| 15 March 2024 | Re-age | 91.4 | 90.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "15 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Then Loan Repayment schedule has 8 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 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 | 90.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 15 March 2024 | 75.9 | 14.1 | 1.4 | 0.0 | 0.0 | 15.5 | 15.5 | 15.5 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 15 March 2024 | 60.4 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 | 15.5 | 15.5 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 15 March 2024 | 44.9 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 | 15.5 | 15.5 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 15 March 2024 | 29.4 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 | 15.5 | 15.5 | 0.0 | 0.0 |
| 7 | 31 | 01 August 2024 | 15 March 2024 | 13.9 | 15.5 | 0.0 | 0.0 | 0.0 | 15.5 | 15.5 | 15.5 | 0.0 | 0.0 |
| 8 | 31 | 01 September 2024| 15 March 2024 | 0.0 | 13.9 | 0.0 | 0.0 | 0.0 | 13.9 | 13.9 | 13.9 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.43 | 1.98 | 0.0 | 0.0 | 118.41 | 118.41 | 91.4 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
| 01 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
| 15 March 2024 | Re-age | 91.4 | 90.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false |
| 15 March 2024 | Repayment | 91.4 | 90.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C4083 @AdvancedPaymentAllocation
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - N+1 Scenario - UC4
When Admin sets the business date to "01 January 2024"
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/EMICalculator.java
+1 -1
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@@ -142,7 +142,7 @@ public interface EMICalculator {
void applyInterestPause(ProgressiveLoanInterestScheduleModel scheduleModel, LocalDate fromDate, LocalDate endDate);
void updateModelRepaymentPeriodsDuringReAge(ProgressiveLoanInterestScheduleModel ctx, LocalDate loanTransaction,
LocalDate reageFirstDueDate, LocalDate transactionDate, LoanApplicationTerms loanApplicationTerms, MathContext mc);
LocalDate reAgeFirstDueDate, LocalDate transactionDate, LoanApplicationTerms loanApplicationTerms, MathContext mc);
boolean recalculateModelOverdueAmountsTillDate(ProgressiveLoanInterestScheduleModel ctx, LocalDate targetDate, boolean prepayAttempt);
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/ProgressiveEMICalculator.java
+1
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@@ -777,6 +777,7 @@ public final class ProgressiveEMICalculator implements EMICalculator {
final InterestPeriod lastInterestPeriod = rp.getInterestPeriods().getLast();
lastInterestPeriod.addBalanceCorrectionAmount(rp.getOutstandingPrincipal().negated());
rp.setEmi(rp.getTotalPaidAmount());
rp.setOutstandingMovedDueToReAging(true);
});
}
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/data/RepaymentPeriod.java
+8 -1
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@@ -88,6 +88,10 @@ public class RepaymentPeriod {
@JsonExclude
private MonetaryCurrency currency;
@Getter
@Setter
private boolean isOutstandingMovedDueToReAging = false;
protected RepaymentPeriod(RepaymentPeriod previous, LocalDate fromDate, LocalDate dueDate, List<InterestPeriod> interestPeriods,
Money emi, Money originalEmi, Money paidPrincipal, Money paidInterest, Money futureUnrecognizedInterest, MathContext mc,
ILoanConfigurationDetails loanProductRelatedDetail) {
@@ -123,6 +127,7 @@ public class RepaymentPeriod {
repaymentPeriod.getDueDate(), new ArrayList<>(), repaymentPeriod.getEmi(), repaymentPeriod.getOriginalEmi(),
repaymentPeriod.getPaidPrincipal(), repaymentPeriod.getPaidInterest(), repaymentPeriod.getFutureUnrecognizedInterest(), mc,
repaymentPeriod.getLoanProductRelatedDetail());
newRepaymentPeriod.setOutstandingMovedDueToReAging(repaymentPeriod.isOutstandingMovedDueToReAging());
// There is always at least 1 interest period, by default with same from-due date as repayment period
for (InterestPeriod interestPeriod : repaymentPeriod.getInterestPeriods()) {
newRepaymentPeriod.getInterestPeriods().add(InterestPeriod.copy(newRepaymentPeriod, interestPeriod, mc));
@@ -135,6 +140,7 @@ public class RepaymentPeriod {
final RepaymentPeriod newRepaymentPeriod = new RepaymentPeriod(previous, repaymentPeriod.getFromDate(),
repaymentPeriod.getDueDate(), new ArrayList<>(), repaymentPeriod.getEmi(), repaymentPeriod.getOriginalEmi(), zero, zero,
zero, mc, repaymentPeriod.getLoanProductRelatedDetail());
newRepaymentPeriod.setOutstandingMovedDueToReAging(repaymentPeriod.isOutstandingMovedDueToReAging());
// There is always at least 1 interest period, by default with same from-due date as repayment period
for (InterestPeriod interestPeriod : repaymentPeriod.getInterestPeriods()) {
var interestPeriodCopy = InterestPeriod.copy(newRepaymentPeriod, interestPeriod);
@@ -282,7 +288,8 @@ public class RepaymentPeriod {
* @return
*/
public Money getTotalCreditedAmount() {
return getCreditedPrincipal().plus(getCreditedInterest(), getMc());
return isOutstandingMovedDueToReAging ? Money.zero(getCurrency(), getMc())
: getCreditedPrincipal().plus(getCreditedInterest(), getMc());
}
/**