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FINERACT-2264: Interest pause issue - Interest calculation start again in case of early repayment during interest period

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This commit is contained in:
Soma Sörös
2025-04-28 23:45:33 +02:00
committed by Adam Saghy
parent bbf797fc34
commit 509cbd8b19
4 changed files with 20 additions and 25 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanAccrualActivity.feature
+7 -24
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@@ -3899,15 +3899,15 @@ Feature: LoanAccrualActivity
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 | | 83.49 | 16.51 | 0.5 | 0.0 | 0.0 | 17.01 | 15.0 | 15.0 | 0.0 | 2.01 |
| 2 | 29 | 01 March 2024 | | 66.65 | 16.84 | 0.17 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.04 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.32 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.5 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.5 | 0.1 | 0.0 | 0.0 | 16.6 | 0.0 | 0.0 | 0.0 | 16.6 |
| 1 | 31 | 01 February 2024 | | 83.22 | 16.78 | 0.23 | 0.0 | 0.0 | 17.01 | 15.0 | 15.0 | 0.0 | 2.01 |
| 2 | 29 | 01 March 2024 | | 66.38 | 16.84 | 0.17 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 49.77 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.05 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.23 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.23 | 0.09 | 0.0 | 0.0 | 16.32 | 0.0 | 0.0 | 0.0 | 16.32 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.65 | 0.0 | 0.0 | 101.65 | 15.0 | 15.0 | 0.0 | 86.65 |
| 100.0 | 1.37 | 0.0 | 0.0 | 101.37 | 15.0 | 15.0 | 0.0 | 86.37 |
When Admin sets the business date to "5 March 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
@@ -3928,23 +3928,6 @@ Feature: LoanAccrualActivity
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | false | false |
| 15 January 2024 | Accrual Adjustment | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
fineract-e2e-tests-runner/src/test/resources/features/LoanInterestPause.feature
+4
View File
@@ -251,6 +251,9 @@ Feature: Loan interest pause on repayment schedule
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 1.57 | 0 | 0 | 101.57 | 0.0 | 0 | 0 | 101.57 |
When Admin sets the business date to "12 February 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "12 February 2024" with 0.01 EUR transaction amount
When Admin sets the business date to "15 March 2024"
When Admin runs inline COB job for Loan
When Admin sets the business date to "5 April 2024"
@@ -297,6 +300,7 @@ Feature: Loan interest pause on repayment schedule
| 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 February 2024 | Repayment | 0.01 | 0.01 | 0.0 | 0.0 | 0.0 | 99.99 | false | false |
| 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/data/InterestPeriod.java
+7
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@@ -89,6 +89,13 @@ public class InterestPeriod implements Comparable<InterestPeriod> {
zero.getMc(), false);
}
public static InterestPeriod withEmptyAmounts(@NotNull RepaymentPeriod repaymentPeriod, @NotNull LocalDate fromDate, LocalDate dueDate,
boolean isPaused) {
final Money zero = repaymentPeriod.getEmi().zero();
return new InterestPeriod(repaymentPeriod, fromDate, dueDate, BigDecimal.ZERO, BigDecimal.ZERO, zero, zero, zero, zero, zero,
zero.getMc(), isPaused);
}
public static InterestPeriod withPausedAndEmptyAmounts(@NotNull RepaymentPeriod repaymentPeriod, @NotNull LocalDate fromDate,
LocalDate dueDate) {
final Money zero = repaymentPeriod.getEmi().zero();
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/data/ProgressiveLoanInterestScheduleModel.java
+2 -1
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@@ -246,12 +246,13 @@ public class ProgressiveLoanInterestScheduleModel {
final InterestPeriod previousInterestPeriod = findPreviousInterestPeriod(repaymentPeriod, balanceChangeDate);
final LocalDate originalDueDate = previousInterestPeriod.getDueDate();
final LocalDate newDueDate = calculateNewDueDate(previousInterestPeriod, balanceChangeDate);
final boolean isPaused = previousInterestPeriod.isPaused();
previousInterestPeriod.setDueDate(newDueDate);
previousInterestPeriod.addDisbursementAmount(disbursedAmount);
previousInterestPeriod.addBalanceCorrectionAmount(correctionAmount);
final InterestPeriod interestPeriod = InterestPeriod.withEmptyAmounts(repaymentPeriod, newDueDate, originalDueDate);
final InterestPeriod interestPeriod = InterestPeriod.withEmptyAmounts(repaymentPeriod, newDueDate, originalDueDate, isPaused);
repaymentPeriod.getInterestPeriods().add(interestPeriod);
}