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FINERACT-1981: Introduce Interest should not be calculated on past due principal amount

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This commit is contained in:
Janos Meszaros
2024-11-29 11:59:18 +01:00
committed by Adam Saghy
parent 3858611190
commit 4cb849fa17
17 changed files with 287 additions and 85 deletions
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integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanInterestRecalculationCOBTest.java
+65 -1
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@@ -69,7 +69,7 @@ public class LoanInterestRecalculationCOBTest extends BaseLoanIntegrationTest {
Utils.initializeRESTAssured();
requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
requestSpec.header("Fineract-Platform-TenantId", "default");
requestSpec.header("Fineract-Platform-TenantId", Utils.DEFAULT_TENANT);
responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
loanTransactionHelper = new LoanTransactionHelper(requestSpec, responseSpec);
schedulerJobHelper = new SchedulerJobHelper(requestSpec);
@@ -1222,4 +1222,68 @@ public class LoanInterestRecalculationCOBTest extends BaseLoanIntegrationTest {
payoffOnDateAndVerifyStatus("1 May 2023", loanIdRef.get());
}
@Test
public void verifyEarlyLateRepaymentOnProgressiveLoanThePastDueHasNoEffect() {
AtomicReference<Long> loanIdRef = new AtomicReference<>();
runAt("1 January 2024", () -> {
PostLoanProductsResponse loanProduct = loanProductHelper //
.createLoanProduct(create4IProgressive() //
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY) //
.disallowInterestCalculationOnPastDue(true) //
);
Long loanId = applyAndApproveProgressiveLoan(client.getClientId(), loanProduct.getResourceId(), "1 January 2024", 100.0, 7.0, 6,
null);
loanIdRef.set(loanId);
disburseLoan(loanId, BigDecimal.valueOf(100), "1 January 2024");
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
logLoanDetails(loanDetails);
validateFullyUnpaidRepaymentPeriod(loanDetails, 1, "01 February 2024", 16.43, 0.0, 0.0, 0.58);
validateFullyUnpaidRepaymentPeriod(loanDetails, 2, "01 March 2024", 16.52, 0.0, 0.0, 0.49);
validateFullyUnpaidRepaymentPeriod(loanDetails, 3, "01 April 2024", 16.62, 0.0, 0.0, 0.39);
validateFullyUnpaidRepaymentPeriod(loanDetails, 4, "01 May 2024", 16.72, 0.0, 0.0, 0.29);
validateFullyUnpaidRepaymentPeriod(loanDetails, 5, "01 June 2024", 16.81, 0.0, 0.0, 0.20);
validateFullyUnpaidRepaymentPeriod(loanDetails, 6, "01 July 2024", 16.90, 0.0, 0.0, 0.10);
});
runAt("15 February 2024", () -> { // we have past due and should not count extra interest
Long loanId = loanIdRef.get();
inlineLoanCOBHelper.executeInlineCOB(List.of(loanId));
loanTransactionHelper.makeLoanRepayment("15 February 2024", 15.0F, loanId.intValue());
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
logLoanDetails(loanDetails);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 1), 16.43, 15.0, 1.43, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.58, 0,
0.58, 0.0, 15.0);
validateFullyUnpaidRepaymentPeriod(loanDetails, 2, "01 March 2024", 16.52, 0.0, 0.0, 0.49);
validateFullyUnpaidRepaymentPeriod(loanDetails, 3, "01 April 2024", 16.62, 0.0, 0.0, 0.39);
validateFullyUnpaidRepaymentPeriod(loanDetails, 4, "01 May 2024", 16.72, 0.0, 0.0, 0.29);
validateFullyUnpaidRepaymentPeriod(loanDetails, 5, "01 June 2024", 16.81, 0.0, 0.0, 0.20);
validateFullyUnpaidRepaymentPeriod(loanDetails, 6, "01 July 2024", 16.90, 0.0, 0.0, 0.10);
});
runAt("15 February 2024", () -> { // we turn from past due into early repayment and should have less interest
Long loanId = loanIdRef.get();
inlineLoanCOBHelper.executeInlineCOB(List.of(loanId));
loanTransactionHelper.makeLoanRepayment("15 February 2024", 19.02F, loanId.intValue());
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
logLoanDetails(loanDetails);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 1), 16.43, 16.43, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.58, 0.58,
0.0, 0.0, 17.01);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2024, 3, 1), 16.77, 16.77, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.24, 0.24,
0.0, 17.01, 0.0);
validateFullyUnpaidRepaymentPeriod(loanDetails, 3, "01 April 2024", 16.42, 0.0, 0.0, 0.59);
validateFullyUnpaidRepaymentPeriod(loanDetails, 4, "01 May 2024", 16.72, 0.0, 0.0, 0.29);
validateFullyUnpaidRepaymentPeriod(loanDetails, 5, "01 June 2024", 16.81, 0.0, 0.0, 0.20);
validateFullyUnpaidRepaymentPeriod(loanDetails, 6, "01 July 2024", 16.85, 0.0, 0.0, 0.10);
});
}
}