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FINERACT-2148: Update instalments interest with zero after charge off with interest recalculation enabled

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This commit is contained in:
Oleksii Novikov
2024-12-16 14:31:54 +01:00
committed by Adam Saghy
parent 136bb0009a
commit 51433ffb66
8 changed files with 436 additions and 5 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+1
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@@ -73,6 +73,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_WHOLE_TERM, // LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_WHOLE_TERM, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY, // LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_INTEREST_RECALCULATION, // LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_INTEREST_RECALCULATION, //
LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR, //
; ;
@Override @Override
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+17
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@@ -1088,6 +1088,23 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set( TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADVANCED_CUSTOM_PAYMENT_ALLOCATION_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE, TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADVANCED_CUSTOM_PAYMENT_ALLOCATION_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE,
responseLoanProductsRequestLP2AdvCustomPaymentAllocationInterestRecalculationDaily36030MultiDisburse); responseLoanProductsRequestLP2AdvCustomPaymentAllocationInterestRecalculationDaily36030MultiDisburse);
// LP2 + interest recalculation + zero-interest chargeOff behaviour + progressive loan schedule + horizontal
// (LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR)
final String name51 = DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR
.getName();
final PostLoanProductsRequest loanProductsRequestAdvCustomZeroInterestChargeOffBehaviourProgressiveLoanSchedule = loanProductsRequestFactory
.defaultLoanProductsRequestLP2InterestDailyRecalculation()//
.name(name51)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT")))
.chargeOffBehaviour("ZERO_INTEREST");//
final Response<PostLoanProductsResponse> responseLoanProductsRequestAdvCustomZeroInterestChargeOffBehaviourProgressiveLoanSchedule = loanProductsApi
.createLoanProduct(loanProductsRequestAdvCustomZeroInterestChargeOffBehaviourProgressiveLoanSchedule).execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR,
responseLoanProductsRequestAdvCustomZeroInterestChargeOffBehaviourProgressiveLoanSchedule);
} }
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule, public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
+29
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@@ -19,6 +19,7 @@
package org.apache.fineract.test.stepdef.loan; package org.apache.fineract.test.stepdef.loan;
import static org.apache.fineract.test.data.TransactionProcessingStrategyCode.ADVANCED_PAYMENT_ALLOCATION; import static org.apache.fineract.test.data.TransactionProcessingStrategyCode.ADVANCED_PAYMENT_ALLOCATION;
import static org.apache.fineract.test.data.loanproduct.DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR;
import static org.assertj.core.api.Assertions.assertThat; import static org.assertj.core.api.Assertions.assertThat;
import static org.awaitility.Awaitility.await; import static org.awaitility.Awaitility.await;
import static org.junit.Assert.assertNotNull; import static org.junit.Assert.assertNotNull;
@@ -2766,6 +2767,34 @@ public class LoanStepDef extends AbstractStepDef {
eventCheckHelper.createLoanEventCheck(response); eventCheckHelper.createLoanEventCheck(response);
} }
@When("Admin creates a new zero charge-off Loan with date: {string}")
public void createLoanWithInterestRecalculationAndZeroChargeOffBehaviour(final String date) throws IOException {
final Response<PostClientsResponse> clientResponse = testContext().get(TestContextKey.CLIENT_CREATE_RESPONSE);
final Long clientId = clientResponse.body().getClientId();
final DefaultLoanProduct product = DefaultLoanProduct
.valueOf(LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR.getName());
final Long loanProductId = loanProductResolver.resolve(product);
final PostLoansRequest loansRequest = loanRequestFactory.defaultLoansRequest(clientId).productId(loanProductId)
.principal(new BigDecimal(100)).numberOfRepayments(6).submittedOnDate(date).expectedDisbursementDate(date)
.loanTermFrequency(6)//
.loanTermFrequencyType(LoanTermFrequencyType.MONTHS.value)//
.repaymentEvery(1)//
.repaymentFrequencyType(RepaymentFrequencyType.MONTHS.value)//
.interestRateFrequencyType(3)//
.interestRatePerPeriod(new BigDecimal(7))//
.interestType(InterestType.DECLINING_BALANCE.value)//
.interestCalculationPeriodType(InterestCalculationPeriodTime.DAILY.value)//
.transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION.value);
final Response<PostLoansResponse> response = loansApi.calculateLoanScheduleOrSubmitLoanApplication(loansRequest, "").execute();
testContext().set(TestContextKey.LOAN_CREATE_RESPONSE, response);
ErrorHelper.checkSuccessfulApiCall(response);
eventCheckHelper.createLoanEventCheck(response);
}
private void performLoanDisbursementAndVerifyStatus(final long loanId, final PostLoansLoanIdRequest disburseRequest) private void performLoanDisbursementAndVerifyStatus(final long loanId, final PostLoansLoanIdRequest disburseRequest)
throws IOException { throws IOException {
final Response<PostLoansLoanIdResponse> loanDisburseResponse = loansApi.stateTransitions(loanId, disburseRequest, "disburse") final Response<PostLoansLoanIdResponse> loanDisburseResponse = loansApi.stateTransitions(loanId, disburseRequest, "disburse")
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+1
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@@ -104,6 +104,7 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_ADVANCED_PAYMENT_ALLOCATION_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL = "loanProductCreateResponseLP1ProgressiveLoanScheduleHorizontal"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_ADVANCED_PAYMENT_ALLOCATION_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL = "loanProductCreateResponseLP1ProgressiveLoanScheduleHorizontal";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_WHOLE_TERM = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationSameAsRepTillPreCloseWholeTerm"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_WHOLE_TERM = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationSameAsRepTillPreCloseWholeTerm";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_INTEREST_RECALCULATION = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualInterestRefundFInterestRecalculation"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_INTEREST_RECALCULATION = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualInterestRefundFInterestRecalculation";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyInterestRecalculationZeroInterestChargeOffBehaviour";
public static final String CHARGE_FOR_LOAN_PERCENT_LATE_CREATE_RESPONSE = "ChargeForLoanPercentLateCreateResponse"; public static final String CHARGE_FOR_LOAN_PERCENT_LATE_CREATE_RESPONSE = "ChargeForLoanPercentLateCreateResponse";
public static final String CHARGE_FOR_LOAN_PERCENT_LATE_AMOUNT_PLUS_INTEREST_CREATE_RESPONSE = "ChargeForLoanPercentLateAmountPlusInterestCreateResponse"; public static final String CHARGE_FOR_LOAN_PERCENT_LATE_AMOUNT_PLUS_INTEREST_CREATE_RESPONSE = "ChargeForLoanPercentLateAmountPlusInterestCreateResponse";
public static final String CHARGE_FOR_LOAN_PERCENT_PROCESSING_CREATE_RESPONSE = "ChargeForLoanPercentProcessingCreateResponse"; public static final String CHARGE_FOR_LOAN_PERCENT_PROCESSING_CREATE_RESPONSE = "ChargeForLoanPercentProcessingCreateResponse";
fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
+310
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@@ -1611,3 +1611,313 @@ Feature: Charge-off
Then Loan Repayment schedule has the following data in Total row: Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 12.22 | 0 | 0 | 1012.22 | 0 | 0 | 0 | 1012.22 | | 1000 | 12.22 | 0 | 0 | 1012.22 | 0 | 0 | 0 | 1012.22 |
Scenario: Charge-off on due date when loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 March 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount
And Admin does charge-off the loan on "1 March 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.13 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.12 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.11 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 16.11 | 0.0 | 0.0 | 0.0 | 16.11 | 0.0 | 0.0 | 0.0 | 16.11 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 1.16 | 0 | 0 | 101.16 | 0 | 0 | 0 | 101.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 01 March 2023 | Charge-off | 101.16 | 100.0 | 1.16 | 0.0 | 0.0 | 0.0 |
Scenario: Charge-off after installment date when loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 March 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount
And Admin does charge-off the loan on "28 February 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.12 | 16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.11 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.1 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.09 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 1.14 | 0 | 0 | 101.14 | 0 | 0 | 0 | 101.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 28 February 2023 | Charge-off | 101.14 | 100.0 | 1.14 | 0.0 | 0.0 | 0.0 |
Scenario: Charge-off in the middle of installment period when loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 March 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount
And Admin does charge-off the loan on "14 February 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 66.83 | 16.74 | 0.27 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 49.82 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 32.81 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 15.8 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 15.8 | 0.0 | 0.0 | 0.0 | 15.8 | 0.0 | 0.0 | 0.0 | 15.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 0.85 | 0 | 0 | 100.85 | 0 | 0 | 0 | 100.85 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 14 February 2023 | Charge-off | 100.85 | 100.0 | 0.85 | 0.0 | 0.0 | 0.0 |
Scenario: Charge-off after maturity date when loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 August 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount
And Admin does charge-off the loan on "15 July 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.71 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 34.28 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 17.85 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 17.85 | 0.58 | 0.0 | 0.0 | 18.43 | 0.0 | 0.0 | 0.0 | 18.43 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 3.48 | 0 | 0 | 103.48 | 0 | 0 | 0 | 103.48 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 15 July 2023 | Charge-off | 103.48 | 100.0 | 3.48 | 0.0 | 0.0 | 0.0 |
Scenario: Charge-off when charge is added before the charge-off date, loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 March 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "27 February 2023" due date and 3 EUR transaction amount
And Admin does charge-off the loan on "28 February 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.12 | 16.45 | 0.56 | 3.0 | 0.0 | 20.01 | 0.0 | 0.0 | 0.0 | 20.01 |
| 3 | 31 | 01 April 2023 | | 50.11 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.1 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.09 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 1.14 | 3.0 | 0 | 104.14 | 0 | 0 | 0 | 104.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 28 February 2023 | Charge-off | 104.14 | 100.0 | 1.14 | 3.0 | 0.0 | 0.0 |
Scenario: Charge-off when charge is added on charge-off date, loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 March 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "28 February 2023" due date and 3 EUR transaction amount
And Admin does charge-off the loan on "28 February 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.12 | 16.45 | 0.56 | 3.0 | 0.0 | 20.01 | 0.0 | 0.0 | 0.0 | 20.01 |
| 3 | 31 | 01 April 2023 | | 50.11 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.1 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.09 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 1.14 | 3.0 | 0 | 104.14 | 0 | 0 | 0 | 104.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 28 February 2023 | Charge-off | 104.14 | 100.0 | 1.14 | 3.0 | 0.0 | 0.0 |
Scenario: Charge-off when charge is added after the charge off date, loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 March 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 March 2023" due date and 3 EUR transaction amount
And Admin does charge-off the loan on "28 February 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.12 | 16.45 | 0.56 | 3.0 | 0.0 | 20.01 | 0.0 | 0.0 | 0.0 | 20.01 |
| 3 | 31 | 01 April 2023 | | 50.11 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.1 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.09 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 | 0.0 | 0.0 | 0.0 | 16.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 1.14 | 3.0 | 0 | 104.14 | 0 | 0 | 0 | 104.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 28 February 2023 | Charge-off | 101.14 | 100.0 | 1.14 | 0.0 | 0.0 | 0.0 |
Scenario: Undo the charge-off when loan behaviour is zero-interest and interestRecalculation = true
When Admin sets the business date to "1 March 2023"
And Admin creates a client with random data
When Admin creates a new zero charge-off Loan with date: "1 January 2023"
And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" 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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 |
| 100 | 2.14 | 0 | 0 | 102.14 | 0 | 0 | 0 | 102.14 |
And Admin does charge-off the loan on "14 February 2023"
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 66.83 | 16.74 | 0.27 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 49.82 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 32.81 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 15.8 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 0.0 | 15.8 | 0.0 | 0.0 | 0.0 | 15.8 | 0.0 | 0.0 | 0.0 | 15.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 0.85 | 0 | 0 | 100.85 | 0 | 0 | 0 | 100.85 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 14 February 2023 | Charge-off | 100.85 | 100.0 | 0.85 | 0.0 | 0.0 | 0.0 |
And Admin does a charge-off undo the loan
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 2023 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 28 | 01 March 2023 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2023 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2023 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2023 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2023 | | 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 |
| 100 | 2.14 | 0 | 0 | 102.14 | 0 | 0 | 0 | 102.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 14 February 2023 | Charge-off | 100.85 | 100.0 | 0.85 | 0.0 | 0.0 | 0.0 |
fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/AbstractLoanRepaymentScheduleTransactionProcessor.java
+7 -1
View File
@@ -255,6 +255,7 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
case WRITEOFF -> handleWriteOff(loanTransaction, ctx.getCurrency(), ctx.getInstallments()); case WRITEOFF -> handleWriteOff(loanTransaction, ctx.getCurrency(), ctx.getInstallments());
case REFUND_FOR_ACTIVE_LOAN -> handleRefund(loanTransaction, ctx.getCurrency(), ctx.getInstallments(), ctx.getCharges()); case REFUND_FOR_ACTIVE_LOAN -> handleRefund(loanTransaction, ctx.getCurrency(), ctx.getInstallments(), ctx.getCharges());
case CHARGEBACK -> handleChargeback(loanTransaction, ctx); case CHARGEBACK -> handleChargeback(loanTransaction, ctx);
case CHARGE_OFF -> handleChargeOff(loanTransaction, ctx);
default -> { default -> {
Money transactionAmountUnprocessed = handleTransactionAndCharges(loanTransaction, ctx.getCurrency(), ctx.getInstallments(), Money transactionAmountUnprocessed = handleTransactionAndCharges(loanTransaction, ctx.getCurrency(), ctx.getInstallments(),
ctx.getCharges(), null, false); ctx.getCharges(), null, false);
@@ -394,7 +395,7 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
principalPortion = principalPortion.plus(currentInstallment.getPrincipalOutstanding(currency)); principalPortion = principalPortion.plus(currentInstallment.getPrincipalOutstanding(currency));
interestPortion = interestPortion.plus(currentInstallment.getInterestOutstanding(currency)); interestPortion = interestPortion.plus(currentInstallment.getInterestOutstanding(currency));
feeChargesPortion = feeChargesPortion.plus(currentInstallment.getFeeChargesOutstanding(currency)); feeChargesPortion = feeChargesPortion.plus(currentInstallment.getFeeChargesOutstanding(currency));
penaltychargesPortion = penaltychargesPortion.plus(currentInstallment.getPenaltyChargesCharged(currency)); penaltychargesPortion = penaltychargesPortion.plus(currentInstallment.getPenaltyChargesOutstanding(currency));
} }
} }
@@ -786,6 +787,11 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
processCreditTransaction(loanTransaction, ctx.getOverpaymentHolder(), ctx.getCurrency(), ctx.getInstallments()); processCreditTransaction(loanTransaction, ctx.getOverpaymentHolder(), ctx.getCurrency(), ctx.getInstallments());
} }
private void handleChargeOff(LoanTransaction loanTransaction, TransactionCtx transactionCtx) {
recalculateChargeOffTransaction(transactionCtx.getChangedTransactionDetail(), loanTransaction, transactionCtx.getCurrency(),
transactionCtx.getInstallments());
}
protected void handleCreditBalanceRefund(LoanTransaction loanTransaction, MonetaryCurrency currency, protected void handleCreditBalanceRefund(LoanTransaction loanTransaction, MonetaryCurrency currency,
List<LoanRepaymentScheduleInstallment> installments, MoneyHolder overpaidAmountHolder) { List<LoanRepaymentScheduleInstallment> installments, MoneyHolder overpaidAmountHolder) {
processCreditTransaction(loanTransaction, overpaidAmountHolder, currency, installments); processCreditTransaction(loanTransaction, overpaidAmountHolder, currency, installments);
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
+62 -1
View File
@@ -32,6 +32,7 @@ import jakarta.validation.constraints.NotNull;
import java.math.BigDecimal; import java.math.BigDecimal;
import java.math.MathContext; import java.math.MathContext;
import java.time.LocalDate; import java.time.LocalDate;
import java.time.temporal.ChronoUnit;
import java.util.ArrayList; import java.util.ArrayList;
import java.util.Arrays; import java.util.Arrays;
import java.util.Collection; import java.util.Collection;
@@ -68,6 +69,7 @@ import org.apache.fineract.portfolio.loanaccount.data.LoanTermVariationsDataWrap
import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail; import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
import org.apache.fineract.portfolio.loanaccount.domain.Loan; import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge; import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge;
import org.apache.fineract.portfolio.loanaccount.domain.LoanChargeOffBehaviour;
import org.apache.fineract.portfolio.loanaccount.domain.LoanChargePaidBy; import org.apache.fineract.portfolio.loanaccount.domain.LoanChargePaidBy;
import org.apache.fineract.portfolio.loanaccount.domain.LoanCreditAllocationRule; import org.apache.fineract.portfolio.loanaccount.domain.LoanCreditAllocationRule;
import org.apache.fineract.portfolio.loanaccount.domain.LoanPaymentAllocationRule; import org.apache.fineract.portfolio.loanaccount.domain.LoanPaymentAllocationRule;
@@ -1168,7 +1170,14 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
} }
} }
private void handleChargeOff(LoanTransaction loanTransaction, TransactionCtx transactionCtx) { private void handleChargeOff(final LoanTransaction loanTransaction, final TransactionCtx transactionCtx) {
if (transactionCtx instanceof ProgressiveTransactionCtx progressiveTransactionCtx) {
if (LoanChargeOffBehaviour.ZERO_INTEREST.equals(loanTransaction.getLoan().getLoanProductRelatedDetail().getChargeOffBehaviour())
&& !loanTransaction.isReversed()) {
handleZeroInterestChargeOff(loanTransaction, progressiveTransactionCtx);
}
}
loanTransaction.resetDerivedComponents(); loanTransaction.resetDerivedComponents();
// determine how much is outstanding total and breakdown for principal, interest and charges // determine how much is outstanding total and breakdown for principal, interest and charges
Money principalPortion = Money.zero(transactionCtx.getCurrency()); Money principalPortion = Money.zero(transactionCtx.getCurrency());
@@ -1188,6 +1197,58 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltychargesPortion); loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltychargesPortion);
} }
private void handleZeroInterestChargeOff(final LoanTransaction loanTransaction,
final ProgressiveTransactionCtx progressiveTransactionCtx) {
final LocalDate transactionDate = loanTransaction.getTransactionDate();
final List<LoanRepaymentScheduleInstallment> installments = progressiveTransactionCtx.getInstallments();
if (!installments.isEmpty()) {
if (loanTransaction.getLoan().isInterestRecalculationEnabled()) {
installments.stream().filter(installment -> !installment.getFromDate().isAfter(transactionDate)
&& installment.getDueDate().isAfter(transactionDate)).forEach(installment -> {
final BigDecimal newInterest = emiCalculator.getPeriodInterestTillDate(progressiveTransactionCtx.getModel(),
installment.getDueDate(), transactionDate).getAmount();
final BigDecimal interestRemoved = installment.getInterestCharged().subtract(newInterest);
installment.updatePrincipal(MathUtil.nullToZero(installment.getPrincipal()).add(interestRemoved));
installment.updateInterestCharged(newInterest);
});
} else {
calculatePartialPeriodInterest(progressiveTransactionCtx, transactionDate);
}
installments.stream().filter(installment -> installment.getFromDate().isAfter(transactionDate)).forEach(installment -> {
installment.updatePrincipal(MathUtil.nullToZero(installment.getPrincipal()).add(installment.getInterestCharged()));
installment.updateInterestCharged(BigDecimal.ZERO);
});
final BigDecimal totalInstallmentsPrincipal = installments.stream().map(LoanRepaymentScheduleInstallment::getPrincipal)
.reduce(ZERO, BigDecimal::add);
final Money amountToEditLastInstallment = loanTransaction.getLoan().getPrincipal().minus(totalInstallmentsPrincipal);
final int lastInstallmentIndex = installments.size() - 1;
installments.get(lastInstallmentIndex)
.updatePrincipal(installments.get(lastInstallmentIndex).getPrincipal().add(amountToEditLastInstallment.getAmount()));
}
}
private void calculatePartialPeriodInterest(final ProgressiveTransactionCtx progressiveTransactionCtx, final LocalDate chargeOffDate) {
progressiveTransactionCtx.getInstallments().stream()
.filter(installment -> !installment.getFromDate().isAfter(chargeOffDate) && installment.getDueDate().isAfter(chargeOffDate))
.forEach(installment -> {
final BigDecimal totalInterest = installment.getInterestOutstanding(progressiveTransactionCtx.getCurrency())
.getAmount();
final long totalDaysInPeriod = ChronoUnit.DAYS.between(installment.getFromDate(), installment.getDueDate());
final long daysTillChargeOff = ChronoUnit.DAYS.between(installment.getFromDate(), chargeOffDate);
final BigDecimal interestTillChargeOff = totalInterest
.divide(BigDecimal.valueOf(totalDaysInPeriod), MoneyHelper.getMathContext())
.multiply(BigDecimal.valueOf(daysTillChargeOff));
final BigDecimal interestRemoved = totalInterest.subtract(interestTillChargeOff);
installment.updatePrincipal(MathUtil.nullToZero(installment.getPrincipal()).add(interestRemoved));
installment.updateInterestCharged(interestTillChargeOff);
});
}
private void handleChargePayment(LoanTransaction loanTransaction, TransactionCtx transactionCtx) { private void handleChargePayment(LoanTransaction loanTransaction, TransactionCtx transactionCtx) {
Money zero = Money.zero(transactionCtx.getCurrency()); Money zero = Money.zero(transactionCtx.getCurrency());
Money feeChargesPortion = zero; Money feeChargesPortion = zero;
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java
+9 -3
View File
@@ -3207,10 +3207,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
final List<Long> existingTransactionIds = loan.findExistingTransactionIds(); final List<Long> existingTransactionIds = loan.findExistingTransactionIds();
final List<Long> existingReversedTransactionIds = loan.findExistingReversedTransactionIds(); final List<Long> existingReversedTransactionIds = loan.findExistingReversedTransactionIds();
LoanTransaction chargeOffTransaction = LoanTransaction.chargeOff(loan, transactionDate, txnExternalId); final LoanTransaction chargeOffTransaction = LoanTransaction.chargeOff(loan, transactionDate, txnExternalId);
if (loan.isInterestBearing() && loan.isInterestRecalculationEnabled() if (loan.isInterestBearing() && loan.isInterestRecalculationEnabled()) {
&& DateUtils.isBefore(loan.getInterestRecalculatedOn(), DateUtils.getBusinessLocalDate())) {
final ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, null, null); final ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, null, null);
loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO); loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
loan.addLoanTransaction(chargeOffTransaction); loan.addLoanTransaction(chargeOffTransaction);
@@ -3225,6 +3224,10 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
} }
} else { } else {
loan.addLoanTransaction(chargeOffTransaction); loan.addLoanTransaction(chargeOffTransaction);
loan.getTransactionProcessor().processLatestTransaction(chargeOffTransaction,
new TransactionCtx(loan.getCurrency(), loan.getRepaymentScheduleInstallments(), loan.getActiveCharges(),
new MoneyHolder(loan.getTotalOverpaidAsMoney()), null));
loan.updateLoanSummaryDerivedFields();
} }
loanTransactionRepository.saveAndFlush(chargeOffTransaction); loanTransactionRepository.saveAndFlush(chargeOffTransaction);
@@ -3292,6 +3295,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
saveLoanWithDataIntegrityViolationChecks(loan); saveLoanWithDataIntegrityViolationChecks(loan);
postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds); postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
businessEventNotifierService.notifyPostBusinessEvent(new LoanUndoChargeOffBusinessEvent(chargedOffTransaction)); businessEventNotifierService.notifyPostBusinessEvent(new LoanUndoChargeOffBusinessEvent(chargedOffTransaction));
loan.reprocessTransactions();
return new CommandProcessingResultBuilder() // return new CommandProcessingResultBuilder() //
.withOfficeId(loan.getOfficeId()) // .withOfficeId(loan.getOfficeId()) //
.withClientId(loan.getClientId()) // .withClientId(loan.getClientId()) //