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FINERACT-2060: Fix balance of reamortization at the event of reverse-replay

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This commit is contained in:
Adam Saghy
2024-04-08 16:52:13 +02:00
parent 60b4a618af
commit 4c503fff0d
4 changed files with 291 additions and 163 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanReAmortization.feature
+1 -1
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@@ -250,7 +250,7 @@ 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 |
| 15 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 01 February 2024 | Re-amortize | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 01 February 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
@TestRailId:C3076 @AdvancedPaymentAllocation
Scenario: Verify Loan re-amortization transaction - UC4: N+1 Installment scenario
fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
+6 -9
View File
@@ -206,7 +206,6 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
private void handleReAmortization(LoanTransaction loanTransaction, MonetaryCurrency currency,
List<LoanRepaymentScheduleInstallment> installments) {
BigDecimal remainingAmount = loanTransaction.getAmount();
LocalDate transactionDate = loanTransaction.getTransactionDate();
List<LoanRepaymentScheduleInstallment> previousInstallments = installments.stream() //
.filter(installment -> !installment.getDueDate().isAfter(transactionDate)) //
@@ -224,28 +223,26 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
installment.updateDerivedFields(currency, transactionDate);
}
if (overallOverDuePrincipal.compareTo(remainingAmount) != 0) {
remainingAmount = overallOverDuePrincipal;
loanTransaction.updateComponentsAndTotal(Money.of(currency, remainingAmount), Money.zero(currency), Money.zero(currency),
Money.zero(currency));
}
loanTransaction.resetDerivedComponents();
loanTransaction.updateComponentsAndTotal(Money.of(currency, overallOverDuePrincipal), Money.zero(currency), Money.zero(currency),
Money.zero(currency));
LoanRepaymentScheduleInstallment lastFutureInstallment = futureInstallments.stream()
.max(Comparator.comparing(LoanRepaymentScheduleInstallment::getDueDate)).get();
BigDecimal reAmortizationAmountPerInstallment = remainingAmount.divide(BigDecimal.valueOf(futureInstallments.size()),
BigDecimal reAmortizationAmountPerInstallment = overallOverDuePrincipal.divide(BigDecimal.valueOf(futureInstallments.size()),
MoneyHelper.getRoundingMode());
Integer installmentAmountInMultiplesOf = loanTransaction.getLoan().getLoanProduct().getInstallmentAmountInMultiplesOf();
for (LoanRepaymentScheduleInstallment installment : futureInstallments) {
if (lastFutureInstallment.equals(installment)) {
installment.addToPrincipal(transactionDate, Money.of(currency, remainingAmount));
installment.addToPrincipal(transactionDate, Money.of(currency, overallOverDuePrincipal));
} else {
if (installmentAmountInMultiplesOf != null) {
reAmortizationAmountPerInstallment = Money.roundToMultiplesOf(reAmortizationAmountPerInstallment,
installmentAmountInMultiplesOf);
}
installment.addToPrincipal(transactionDate, Money.of(currency, reAmortizationAmountPerInstallment));
remainingAmount = remainingAmount.subtract(reAmortizationAmountPerInstallment);
overallOverDuePrincipal = overallOverDuePrincipal.subtract(reAmortizationAmountPerInstallment);
}
}
}
integration-tests/src/test/java/org/apache/fineract/integrationtests/common/loans/LoanTestLifecycleExtension.java
+1 -1
View File
@@ -43,7 +43,7 @@ public class LoanTestLifecycleExtension implements AfterEachCallback {
private DateTimeFormatter dateFormatter = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter();
@Override
public void afterEach(ExtensionContext context) throws Exception {
public void afterEach(ExtensionContext context) {
this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/reamortization/LoanReAmortizationIntegrationTest.java
+283 -152
View File
@@ -25,7 +25,6 @@ import java.util.concurrent.atomic.AtomicLong;
import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
import org.apache.fineract.client.models.PostLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoansRequest;
import org.apache.fineract.client.models.PostLoansResponse;
import org.apache.fineract.integrationtests.BaseLoanIntegrationTest;
@@ -41,11 +40,10 @@ import org.junit.jupiter.api.extension.ExtendWith;
public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
public static final BigDecimal DOWN_PAYMENT_PERCENTAGE = new BigDecimal(25);
private final AtomicLong loanId = new AtomicLong();
@Test
public void test_LoanReAmortizeTransaction_Works() {
AtomicLong createdLoanId = new AtomicLong();
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
@@ -73,43 +71,37 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
.loanTermFrequencyType(RepaymentFrequencyType.MONTHS);
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
loanId.set(postLoansResponse.getLoanId());
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(amount, "01 January 2023"));
Long loanId = approvedLoanResult.getLoanId();
loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(amount, "01 January 2023"));
// disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(1250.0), "01 January 2023");
// verify transactions
verifyTransactions(loanId, //
verifyTransactions(loanId.get(), //
transaction(1250.0, "Disbursement", "01 January 2023") //
);
// verify schedule
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(625.0, false, "01 February 2023"), //
installment(625.0, false, "01 March 2023") //
);
createdLoanId.set(loanId);
});
runAt("02 February 2023", () -> {
long loanId = createdLoanId.get();
// create re-amortize transaction
reAmortizeLoan(loanId);
reAmortizeLoan(loanId.get());
// verify transactions
verifyTransactions(loanId, //
verifyTransactions(loanId.get(), //
transaction(1250.0, "Disbursement", "01 January 2023"), //
transaction(625.0, "Re-amortize", "02 February 2023") //
);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(0.0, true, "01 February 2023"), //
installment(1250.0, false, "01 March 2023") //
@@ -119,8 +111,6 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
@Test
public void test_LoanUndoReAmortizeTransaction_Works() {
AtomicLong createdLoanId = new AtomicLong();
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
@@ -148,56 +138,48 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
.loanTermFrequencyType(RepaymentFrequencyType.MONTHS);
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
loanId.set(postLoansResponse.getLoanId());
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(amount, "01 January 2023"));
Long loanId = approvedLoanResult.getLoanId();
loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(amount, "01 January 2023"));
// disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(1250.0), "01 January 2023");
// verify transactions
verifyTransactions(loanId, //
verifyTransactions(loanId.get(), //
transaction(1250.0, "Disbursement", "01 January 2023") //
);
// verify schedule
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(625.0, false, "01 February 2023"), //
installment(625.0, false, "01 March 2023") //
);
createdLoanId.set(loanId);
});
runAt("02 February 2023", () -> {
long loanId = createdLoanId.get();
// create re-amortize transaction
reAmortizeLoan(loanId);
reAmortizeLoan(loanId.get());
// verify transactions
verifyTransactions(loanId, //
verifyTransactions(loanId.get(), //
transaction(1250.0, "Disbursement", "01 January 2023"), //
transaction(625.0, "Re-amortize", "02 February 2023") //
);
});
runAt("03 February 2023", () -> {
long loanId = createdLoanId.get();
// undo re-amortize transaction
undoReAmortizeLoan(loanId);
undoReAmortizeLoan(loanId.get());
// verify transactions
verifyTransactions(loanId, //
verifyTransactions(loanId.get(), //
transaction(1250.0, "Disbursement", "01 January 2023"), //
reversedTransaction(625.0, "Re-amortize", "02 February 2023") //
);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(625.0, false, "01 February 2023"), //
installment(625.0, false, "01 March 2023") //
@@ -211,17 +193,17 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
@@ -230,27 +212,33 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
);
updateBusinessDate("05 January 2023");
addCharge(loanId, false, 10.0, "05 January 2023");
addCharge(loanId.get(), false, 10.0, "05 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, 0.0, 10.0, 135.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("25 January 2023", () -> {
reAmortizeLoan(loanId.get());
updateBusinessDate("25 January 2023");
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), //
installment(187.5, false, "31 January 2023"), //
installment(187.5, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(125.0, "Re-amortize", "25 January 2023") //
);
});
}
@@ -260,35 +248,42 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("01 February 2023", () -> {
updateBusinessDate("01 February 2023");
reAmortizeLoan(loanId.get());
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, true, "16 January 2023"), //
installment(0.0, true, "31 January 2023"), //
installment(375.0, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(250.0, "Re-amortize", "01 February 2023") //
);
});
}
@@ -298,38 +293,52 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("17 January 2023", () -> {
addRepaymentForLoan(loanId.get(), 50.0, "17 January 2023");
updateBusinessDate("17 January 2023");
addRepaymentForLoan(loanId, 50.0, "17 January 2023");
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(50.0, "Repayment", "17 January 2023") //
);
});
runAt("30 January 2023", () -> {
reAmortizeLoan(loanId.get());
updateBusinessDate("30 January 2023");
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(50.0, true, "16 January 2023"), //
installment(162.5, false, "31 January 2023"), //
installment(162.5, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(50.0, "Repayment", "17 January 2023"), //
transaction(75.0, "Re-amortize", "30 January 2023") //
);
});
}
@@ -339,46 +348,52 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("05 January 2023", () -> {
addCharge(loanId.get(), false, 10.0, "05 January 2023");
updateBusinessDate("05 January 2023");
addCharge(loanId, false, 10.0, "05 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, 0.0, 10.0, 135.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("31 January 2023", () -> {
reAmortizeLoan(loanId.get());
updateBusinessDate("31 January 2023");
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), //
installment(0.0, true, "31 January 2023"), //
installment(375.0, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(250.0, "Re-amortize", "31 January 2023") //
);
});
}
@@ -388,30 +403,30 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("01 February 2023", () -> {
addCharge(loanId.get(), false, 10.0, "27 February 2023");
updateBusinessDate("01 February 2023");
addCharge(loanId, false, 10.0, "27 February 2023");
reAmortizeLoan(loanId.get());
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, true, "16 January 2023"), //
@@ -419,6 +434,13 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
installment(375.0, false, "15 February 2023"), //
installment(0.0, 0.0, 10.0, false, "27 February 2023") //
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(250.0, "Re-amortize", "01 February 2023") //
);
});
}
@@ -428,38 +450,61 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("01 February 2023", () -> {
reAmortizeLoan(loanId.get());
updateBusinessDate("01 February 2023");
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, true, "16 January 2023"), //
installment(0.0, true, "31 January 2023"), //
installment(375.0, false, "15 February 2023")//
);
reAmortizeLoan(loanId);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(250.0, "Re-amortize", "01 February 2023") //
);
updateBusinessDate("01 February 2023");
addRepaymentForLoan(loanId, 125.0, "15 January 2023");
});
runAt("02 February 2023", () -> {
addRepaymentForLoan(loanId.get(), 125.0, "15 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, true, "16 January 2023"), //
installment(0.0, true, "31 January 2023"), //
installment(250.0, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(125.0, "Repayment", "15 January 2023"), //
transaction(125.0, "Re-amortize", "01 February 2023") //
);
});
}
@@ -469,32 +514,47 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
AtomicLong repaymentTransactionId = new AtomicLong();
runAt("15 January 2023", () -> {
repaymentTransactionId.set(addRepaymentForLoan(loanId.get(), 125.0, "15 January 2023"));
updateBusinessDate("15 January 2023");
Long repaymentTransactionId = addRepaymentForLoan(loanId, 125.0, "15 January 2023");
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, true, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
updateBusinessDate("01 February 2023");
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(125.0, "Repayment", "15 January 2023") //
);
});
runAt("01 February 2023", () -> {
reAmortizeLoan(loanId.get());
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, true, "16 January 2023"), //
@@ -502,15 +562,31 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
installment(250.0, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(125.0, "Repayment", "15 January 2023"), //
transaction(125.0, "Re-amortize", "01 February 2023") //
);
loanTransactionHelper.reverseRepayment(loanId.intValue(), repaymentTransactionId.intValue(), "01 February 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, true, "16 January 2023"), //
installment(0.0, true, "31 January 2023"), //
installment(375.0, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(125.0, "Repayment", "15 January 2023"), //
transaction(250.0, "Re-amortize", "01 February 2023") //
);
});
}
@@ -520,29 +596,29 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
});
runAt("01 February 2023", () -> {
updateBusinessDate("01 February 2023");
reAmortizeLoan(loanId.get());
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, true, "16 January 2023"), //
@@ -550,17 +626,31 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
installment(375.0, false, "15 February 2023")//
);
updateBusinessDate("02 February 2023");
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(250.0, "Re-amortize", "01 February 2023") //
);
});
runAt("02 February 2023", () -> {
undoReAmortizeLoan(loanId);
undoReAmortizeLoan(loanId.get());
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
reversedTransaction(250.0, "Re-amortize", "01 February 2023") //
);
});
}
@@ -570,17 +660,17 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(4, 15, BigDecimal.valueOf(20));
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 4, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 4, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(60);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(100.0, true, "01 January 2023"), //
installment(100.0, false, "16 January 2023"), //
@@ -588,12 +678,11 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
installment(100.0, false, "15 February 2023"), //
installment(100.0, false, "02 March 2023")//
);
});
runAt("17 January 2023", () -> {
reAmortizeLoan(loanId.get());
updateBusinessDate("17 January 2023");
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(100.0, true, "01 January 2023"), //
installment(0.0, true, "16 January 2023"), //
@@ -601,6 +690,13 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
installment(133.33, false, "15 February 2023"), //
installment(133.34, false, "02 March 2023")//
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(100.0, "Down Payment", "01 January 2023"), //
transaction(100.0, "Re-amortize", "17 January 2023") //
);
});
}
@@ -610,31 +706,32 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15);
Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 1000.0, 3, req -> {
loanId.set(applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 1000.0, 3, req -> {
req.setRepaymentEvery(15);
req.setLoanTermFrequency(45);
req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy");
req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString());
req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString());
});
}));
disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023");
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(125.0, false, "16 January 2023"), //
installment(125.0, false, "31 January 2023"), //
installment(125.0, false, "15 February 2023") //
);
});
runAt("16 January 2023", () -> {
addCharge(loanId.get(), false, 10.0, "16 January 2023");
});
runAt("25 January 2023", () -> {
updateBusinessDate("16 January 2023");
addCharge(loanId, false, 10.0, "16 January 2023");
reAmortizeLoan(loanId.get());
updateBusinessDate("25 January 2023");
reAmortizeLoan(loanId);
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), //
@@ -642,11 +739,17 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
installment(187.5, false, "15 February 2023") //
);
updateBusinessDate("26 January 2023");
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(125.0, "Re-amortize", "25 January 2023") //
);
});
runAt("26 January 2023", () -> {
disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "26 January 2023");
disburseLoan(loanId, BigDecimal.valueOf(500.00), "26 January 2023");
verifyRepaymentSchedule(loanId, //
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(0.0, 0.0, 10.0, 0.0, true, "16 January 2023"), //
@@ -655,6 +758,42 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
installment(375.0, false, "31 January 2023"), //
installment(375.0, false, "15 February 2023") //
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(125.0, "Re-amortize", "25 January 2023"), //
transaction(500.0, "Disbursement", "26 January 2023"), //
transaction(125.0, "Down Payment", "26 January 2023") //
);
});
runAt("27 January 2023", () -> {
disburseLoan(loanId.get(), BigDecimal.valueOf(100.0), "10 January 2023");
verifyRepaymentSchedule(loanId.get(), //
installment(0, null, "01 January 2023"), //
installment(125.0, true, "01 January 2023"), //
installment(100.0, null, "10 January 2023"), //
installment(25.0, true, "10 January 2023"), //
installment(0.0, 0.0, 10.0, 0.0, true, "16 January 2023"), //
installment(500.0, null, "26 January 2023"), //
installment(125.0, false, "26 January 2023"), //
installment(412.5, false, "31 January 2023"), //
installment(412.5, false, "15 February 2023") //
);
// verify transactions
verifyTransactions(loanId.get(), //
transaction(500.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Down Payment", "01 January 2023"), //
transaction(100.0, "Disbursement", "10 January 2023"), //
transaction(25.0, "Down Payment", "10 January 2023"), //
transaction(150.0, "Re-amortize", "25 January 2023"), //
transaction(500.0, "Disbursement", "26 January 2023"), //
transaction(125.0, "Down Payment", "26 January 2023") //
);
});
}
@@ -665,19 +804,11 @@ public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest {
private Long createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(int numberOfInstallments, int repaymentEvery,
BigDecimal downPaymentPercentage) {
boolean multiDisburseEnabled = true;
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation();
product.setMultiDisburseLoan(multiDisburseEnabled);
product.setMultiDisburseLoan(true);
product.setNumberOfRepayments(numberOfInstallments);
product.setRepaymentEvery(repaymentEvery);
if (!multiDisburseEnabled) {
product.disallowExpectedDisbursements(null);
product.setAllowApprovedDisbursedAmountsOverApplied(null);
product.overAppliedCalculationType(null);
product.overAppliedNumber(null);
}
product.setEnableDownPayment(true);
product.setDisbursedAmountPercentageForDownPayment(downPaymentPercentage);
product.setEnableAutoRepaymentForDownPayment(true);