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Revert "FINERACT-2081: Loan account summary with Unpaid Payable Interest"

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This reverts commit 737455f52f.
This commit is contained in:
Adam Saghy
2024-07-31 09:20:43 +02:00
parent 737455f52f
commit 526fb6b3a8
5 changed files with 96 additions and 185 deletions
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fineract-avro-schemas/src/main/avro/loan/v1/LoanSummaryDataV1.avsc
+2 -2
View File
@@ -437,7 +437,7 @@
},
{
"default": null,
"name": "totalUnpaidPayableDueInterest",
"name": "totalUnpaidAccruedDueInterest",
"type": [
"null",
"bigdecimal"
@@ -445,7 +445,7 @@
},
{
"default": null,
"name": "totalUnpaidPayableNotDueInterest",
"name": "totalUnpaidAccruedNotDueInterest",
"type": [
"null",
"bigdecimal"
fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanSummaryData.java
+60 -26
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@@ -26,6 +26,7 @@ import lombok.Builder;
import lombok.Data;
import lombok.experimental.Accessors;
import org.apache.fineract.infrastructure.core.service.DateUtils;
import org.apache.fineract.infrastructure.core.service.MathUtil;
import org.apache.fineract.organisation.monetary.data.CurrencyData;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionType;
import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
@@ -99,12 +100,11 @@ public class LoanSummaryData {
private final Long chargeOffReasonId;
private final String chargeOffReason;
private BigDecimal totalUnpaidPayableDueInterest;
private BigDecimal totalUnpaidPayableNotDueInterest;
private BigDecimal totalUnpaidAccruedDueInterest;
private BigDecimal totalUnpaidAccruedNotDueInterest;
public static LoanSummaryData withTransactionAmountsSummary(final LoanSummaryData defaultSummaryData,
final LoanScheduleData repaymentSchedule, final Collection<LoanTransactionBalance> loanTransactionBalances) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
BigDecimal totalMerchantRefund = BigDecimal.ZERO;
BigDecimal totalMerchantRefundReversed = BigDecimal.ZERO;
@@ -121,8 +121,8 @@ public class LoanSummaryData {
BigDecimal totalRepaymentTransactionReversed = BigDecimal.ZERO;
BigDecimal totalInterestPaymentWaiver = BigDecimal.ZERO;
BigDecimal totalInterestRefund = BigDecimal.ZERO;
BigDecimal totalUnpaidPayableDueInterest = BigDecimal.ZERO;
BigDecimal totalUnpaidPayableNotDueInterest = BigDecimal.ZERO;
BigDecimal totalUnpaidAccruedDueInterest = BigDecimal.ZERO;
BigDecimal totalUnpaidAccruedNotDueInterest = BigDecimal.ZERO;
totalChargeAdjustment = fetchLoanTransactionBalanceByType(loanTransactionBalances,
LoanTransactionType.CHARGE_ADJUSTMENT.getValue());
@@ -160,12 +160,25 @@ public class LoanSummaryData {
LoanTransactionType.REPAYMENT.getValue());
if (repaymentSchedule != null) {
// Outstanding Interest on Past due installments
totalUnpaidPayableDueInterest = computeTotalUnpaidPayableDueInterestAmount(repaymentSchedule.getPeriods(), businessDate);
// Accrued Due Interest on Past due installments
totalUnpaidAccruedDueInterest = computeTotalAccruedDueInterestAmount(repaymentSchedule.getPeriods());
if (MathUtil.isGreaterThanZero(totalUnpaidAccruedDueInterest)) {
totalUnpaidAccruedDueInterest = totalUnpaidAccruedDueInterest
.subtract(computeTotalInterestPaidDueAmount(repaymentSchedule.getPeriods()));
if (MathUtil.isLessThanZero(totalUnpaidAccruedDueInterest)) {
totalUnpaidAccruedDueInterest = BigDecimal.ZERO;
}
}
// Accumulated daily interest of the current Installment period
totalUnpaidPayableNotDueInterest = computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(repaymentSchedule.getPeriods(),
businessDate);
// Accrued Due Interest on Actual Installment
totalUnpaidAccruedNotDueInterest = computeTotalAccruedNotDueInterestAmountOnActualPeriod(repaymentSchedule.getPeriods());
if (MathUtil.isGreaterThanZero(totalUnpaidAccruedNotDueInterest)) {
totalUnpaidAccruedNotDueInterest = totalUnpaidAccruedNotDueInterest
.subtract(computeTotalInterestPaidNotDueAmountOnActualPeriod(repaymentSchedule.getPeriods()));
if (MathUtil.isLessThanZero(totalUnpaidAccruedNotDueInterest)) {
totalUnpaidAccruedNotDueInterest = BigDecimal.ZERO;
}
}
}
return LoanSummaryData.builder().currency(defaultSummaryData.currency).principalDisbursed(defaultSummaryData.principalDisbursed)
@@ -199,8 +212,8 @@ public class LoanSummaryData {
.totalChargeback(totalChargeback).totalCreditBalanceRefund(totalCreditBalanceRefund)
.totalCreditBalanceRefundReversed(totalCreditBalanceRefundReversed).totalRepaymentTransaction(totalRepaymentTransaction)
.totalRepaymentTransactionReversed(totalRepaymentTransactionReversed).totalInterestPaymentWaiver(totalInterestPaymentWaiver)
.totalUnpaidPayableDueInterest(totalUnpaidPayableDueInterest)
.totalUnpaidPayableNotDueInterest(totalUnpaidPayableNotDueInterest).totalInterestRefund(totalInterestRefund).build();
.totalUnpaidAccruedDueInterest(totalUnpaidAccruedDueInterest)
.totalUnpaidAccruedNotDueInterest(totalUnpaidAccruedNotDueInterest).totalInterestRefund(totalInterestRefund).build();
}
private static BigDecimal fetchLoanTransactionBalanceByType(final Collection<LoanTransactionBalance> loanTransactionBalances,
@@ -223,23 +236,44 @@ public class LoanSummaryData {
return LoanSummaryData.builder().currency(currencyData).build();
}
private static BigDecimal computeTotalUnpaidPayableDueInterestAmount(Collection<LoanSchedulePeriodData> periods,
final LocalDate businessDate) {
private static BigDecimal computeTotalAccruedDueInterestAmount(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream().filter(period -> !period.getDownPaymentPeriod() && businessDate.isAfter(period.getDueDate()))
.map(period -> period.getInterestOutstanding()).reduce(BigDecimal.ZERO, BigDecimal::add);
.map(period -> period.getTotalAccruedInterest()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
private static BigDecimal computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(final Collection<LoanSchedulePeriodData> periods,
final LocalDate businessDate) {
// Default value equal to Zero
BigDecimal totalAccruedNotDueInterestAmount = BigDecimal.ZERO;
// Find the current Period (If exists one) based in the Business date
final Optional<LoanSchedulePeriodData> optCurrentPeriod = periods.stream()
.filter(period -> !period.getDownPaymentPeriod() && period.isActualPeriod(businessDate)).findFirst();
if (optCurrentPeriod.isPresent()) {
totalAccruedNotDueInterestAmount = optCurrentPeriod.get().getInterestDueUntilDate(businessDate);
private static BigDecimal computeTotalInterestPaidDueAmount(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream().filter(period -> !period.getDownPaymentPeriod() && businessDate.isAfter(period.getDueDate()))
.map(period -> period.getInterestPaid()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
private static BigDecimal computeTotalAccruedNotDueInterestAmountOnActualPeriod(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream()
.filter(period -> !period.getDownPaymentPeriod() && isActualPeriod(period) && businessDate.isBefore(period.getDueDate()))
.map(period -> period.getTotalAccruedInterest()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
private static BigDecimal computeTotalInterestPaidNotDueAmountOnActualPeriod(Collection<LoanSchedulePeriodData> periods) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
return periods.stream()
.filter(period -> !period.getDownPaymentPeriod() && isActualPeriod(period) && businessDate.isBefore(period.getDueDate()))
.map(period -> period.getInterestPaid()).reduce(BigDecimal.ZERO, BigDecimal::add);
}
private static boolean isActualPeriod(LoanSchedulePeriodData period) {
final LocalDate businessDate = DateUtils.getBusinessLocalDate();
boolean actualPeriod = false;
if (period.getPeriod() != null) {
if (period.getPeriod() == 1) {
actualPeriod = ((businessDate.isEqual(period.getFromDate()) || businessDate.isAfter(period.getFromDate()))
&& businessDate.isBefore(period.getDueDate()));
} else {
actualPeriod = (businessDate.isAfter(period.getFromDate()) && businessDate.isBefore(period.getDueDate()));
}
}
return totalAccruedNotDueInterestAmount;
}
return actualPeriod;
}
}
fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/data/LoanSchedulePeriodData.java
-44
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@@ -23,7 +23,6 @@ import java.time.LocalDate;
import java.time.temporal.ChronoUnit;
import lombok.Getter;
import org.apache.fineract.infrastructure.core.service.DateUtils;
import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
/**
* Immutable data object that represents a period of a loan schedule.
@@ -403,49 +402,6 @@ public final class LoanSchedulePeriodData {
return value;
}
public BigDecimal getRatePerDay() {
return getInterestOriginalDue().divide(BigDecimal.valueOf(getDaysInPeriod()), MoneyHelper.getMathContext());
}
public BigDecimal getInterestDueUntilDate(final LocalDate businessDate) {
if (getComplete()) {
return BigDecimal.ZERO;
} else {
if (businessDate.compareTo(getDueDate()) >= 0) { // Period is matured
return getInterestOriginalDue();
}
if (businessDate.compareTo(getFromDate()) >= 0) { // If It is the current period
return getRatePerDay().multiply(BigDecimal.valueOf(DateUtils.getDifferenceInDays(getPeriodStartDate(), businessDate)),
MoneyHelper.getMathContext());
}
return BigDecimal.ZERO;
}
}
public boolean isActualPeriod(final LocalDate businessDate) {
boolean actualPeriod = false;
if (getPeriod() != null) {
if (getPeriod() == 1) {
actualPeriod = ((businessDate.compareTo(getFromDate()) >= 0) && businessDate.compareTo(getDueDate()) <= 0);
} else {
actualPeriod = ((businessDate.compareTo(getFromDate()) > 0) && businessDate.compareTo(getDueDate()) <= 0);
}
}
return actualPeriod;
}
private LocalDate getPeriodStartDate() {
if (getPeriod() != null) {
if (getPeriod() == 1) {
return getFromDate();
} else {
return getFromDate().plusDays(1);
}
}
return null;
}
public BigDecimal getPrincipalDisbursed() {
return defaultToZeroIfNull(this.principalDisbursed);
}
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/LoansApiResourceSwagger.java
+2 -2
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@@ -640,9 +640,9 @@ final class LoansApiResourceSwagger {
@Schema(example = "0.000000")
public Double totalRepaymentTransactionReversed;
@Schema(example = "0.000000")
public BigDecimal totalUnpaidPayableDueInterest;
public BigDecimal totalUnpaidAccruedDueInterest;
@Schema(example = "0.000000")
public BigDecimal totalUnpaidPayableNotDueInterest;
public BigDecimal totalUnpaidAccruedNotDueInterest;
@Schema(example = "0.000000")
public BigDecimal totalInterestRefund;
public Set<GetLoansLoanIdOverdueCharges> overdueCharges;
integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
+32 -111
View File
@@ -4720,8 +4720,8 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
// After Disbursement we are expecting no Accrual transactions
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
});
// Not Due yet
@@ -4732,14 +4732,14 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("30 January 2024");
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(new BigDecimal("0.97"), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(new BigDecimal("0.97"), loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
// Partial interest repayment
addRepaymentForLoan(createdLoanId.get(), 20.50, "30 January 2024");
loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(new BigDecimal("0.05"), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(new BigDecimal("0.05"), loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
});
// Not Due and Due Interest
@@ -4749,8 +4749,8 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("20 February 2024");
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(new BigDecimal("0.12"), loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(new BigDecimal("0.52"), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(new BigDecimal("0.12"), loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(new BigDecimal("0.52"), loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
});
}
@@ -4767,12 +4767,11 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
runAt(operationDate, () -> {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
.interestRatePerPeriod(108.0).interestCalculationPeriodType(RepaymentFrequencyType.DAYS)
.interestRateFrequencyType(YEARS).daysInMonthType(DaysInMonthType.ACTUAL.getValue())
.daysInYearType(DaysInYearType.DAYS_360.getValue()).numberOfRepayments(4)//
.maxInterestRatePerPeriod((double) 110)//
.repaymentEvery(1)//
.repaymentFrequencyType(1L)//
.interestRatePerPeriod(12.0).interestCalculationPeriodType(RepaymentFrequencyType.DAYS).interestRateFrequencyType(YEARS)
.daysInMonthType(DaysInMonthType.ACTUAL.getValue()).daysInYearType(DaysInYearType.DAYS_365.getValue())
.numberOfRepayments(4)//
.repaymentEvery(5)//
.repaymentFrequencyType(0L)//
.allowPartialPeriodInterestCalcualtion(false)//
.multiDisburseLoan(false)//
.disallowExpectedDisbursements(null)//
@@ -4782,8 +4781,7 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
.installmentAmountInMultiplesOf(null)//
;//
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), operationDate, 1000.0, 4)
.interestRatePerPeriod(BigDecimal.valueOf(108.0));
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), operationDate, 1000.0, 4);
applicationRequest = applicationRequest.interestCalculationPeriodType(DAYS)
.transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY);
@@ -4798,13 +4796,12 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), new PostLoansLoanIdRequest().actualDisbursementDate(operationDate)
.dateFormat(DATETIME_PATTERN).transactionAmount(BigDecimal.valueOf(1000.0)).locale("en"));
// After Disbursement we are expecting amount in Zero (first day)
// After Disbursement we are expecting no Accrual transactions
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
});
// First day on First Period, then TotalUnpaidPayableDueInterest = 0 and TotalUnpaidPayableNotDueInterest = 3
runAt("2 January 2024", () -> {
// Generate the Accruals
final PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(requestSpec,
@@ -4812,106 +4809,30 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("2 January 2024");
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(3.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
});
// Second day on First Period, then TotalUnpaidPayableDueInterest = 0 and TotalUnpaidPayableNotDueInterest = 6
runAt("3 January 2024", () -> {
// Add a Charge
addCharge(createdLoanId.get(), false, 10, "6 January 2024");
final PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(requestSpec,
responseSpec);
periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("2 January 2024");
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(6.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
});
// Third day on First Period, then TotalUnpaidPayableDueInterest = 0 and TotalUnpaidPayableNotDueInterest = 9
// Add Payment higher than accrued amount
runAt("4 January 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(9.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Fourth day on First Period, then TotalUnpaidPayableDueInterest = 0 and TotalUnpaidPayableNotDueInterest = 12
runAt("5 January 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(12.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Last day on First Period, then TotalUnpaidPayableDueInterest = 0 and TotalUnpaidPayableNotDueInterest = 90
runAt("31 January 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// First day on Second Period, then TotalUnpaidPayableDueInterest = 90 and TotalUnpaidPayableNotDueInterest = 0
runAt("1 February 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Second day on Second Period, then TotalUnpaidPayableDueInterest = 90 and TotalUnpaidPayableNotDueInterest =
// 2.344
runAt("2 February 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(2.344), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Third day on Second Period, then TotalUnpaidPayableDueInterest = 90 and TotalUnpaidPayableNotDueInterest =
// 4.688
runAt("3 February 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(4.688), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// N day on Second Period, then TotalUnpaidPayableDueInterest = 90 and TotalUnpaidPayableNotDueInterest = 21.096
runAt("10 February 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.valueOf(90.0).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(21.096).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// First day on Third Period, then TotalUnpaidPayableDueInterest = 90 + 70.32 and
// TotalUnpaidPayableNotDueInterest = 0
runAt("2 March 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.valueOf(160.32).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Second day on Third Period, then TotalUnpaidPayableDueInterest = 90 + 70.32 and
// TotalUnpaidPayableNotDueInterest = 0
runAt("3 March 2024", () -> {
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.valueOf(160.32).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(1.629), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
});
// Add Payment to pay the First installment, then TotalUnpaidPayableDueInterest = 70.32 and
// TotalUnpaidPayableNotDueInterest = 14.661
runAt("11 March 2024", () -> {
addRepaymentForLoan(createdLoanId.get(), 340.00, "11 March 2024");
addRepaymentForLoan(createdLoanId.get(), 150.0, "4 January 2024");
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
assertEquals(BigDecimal.valueOf(70.32).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.valueOf(14.661).stripTrailingZeros(),
loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedDueInterest().stripTrailingZeros());
assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidAccruedNotDueInterest().stripTrailingZeros());
});
}