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FINERACT-2382: e2e test scenarios for flat cumulative multidisbursal loan

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MarianaDmytrivBinariks
2025-10-27 10:14:46 +01:00
committed by Adam Saghy
parent 2269d616dc
commit 54e85c748d
5 changed files with 451 additions and 1 deletions
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fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
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@@ -8486,3 +8486,337 @@ Feature: Loan
When Loan Pay-off is made on "1 February 2025"
Then Loan's all installments have obligations met
@TestRailId:C4118
Scenario: Verify cumulative multidisb loan with 2nd disb at 1st installment with flat interest type and same_as_repeyment interest calculation period - UC1
When Admin sets the business date to "01 January 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_ACTUAL_ACTUAL_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 January 2025" with "1500" amount and expected disbursement date on "01 January 2025"
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# -- 2nd disb - on Jan, 15, 2025 --#
When Admin sets the business date to "15 January 2025"
When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
# --- undo last disbursement --- #
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Loan Pay-off is made on "15 January 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4119
Scenario: Verify cumulative multidisbursal loan with 2nd disb at 2nd installment with flat interest type and same_as_repeyment interest calculation period - UC2
When Admin sets the business date to "01 January 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_ACTUAL_ACTUAL_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 January 2025" with "1500" amount and expected disbursement date on "01 January 2025"
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# -- 2nd disb - on Feb, 15, 2025 --#
When Admin sets the business date to "15 February 2025"
When Admin successfully disburse the loan on "15 February 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 8.75 | 0.0 | 0.0 | 342.08 | 0.0 | 0.0 | 0.0 | 342.08 |
| | | 15 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 28 | 01 March 2025 | | 666.67 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 3 | 31 | 01 April 2025 | | 0.0 | 666.67 | 8.75 | 0.0 | 0.0 | 675.42 | 0.0 | 0.0 | 0.0 | 675.42 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
# --- undo disbursement --- #
When Admin successfully undo disbursal
Then Loan Repayment schedule has 3 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 2025 | | 1500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
Then Loan Transactions tab has none transaction
Then Admin can successfully undone the loan approval
Then Loan status will be "SUBMITTED_AND_PENDING_APPROVAL"
And Admin successfully rejects the loan on "15 February 2025"
Then Loan status will be "REJECTED"
@TestRailId:C4120
Scenario: Verify cumulative multidisbursal loan with repayment between disbursements with flat interest type and same_as_repeyment interest calculation period - UC3
When Admin sets the business date to "01 January 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_ACTUAL_ACTUAL_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 January 2025" with "1500" amount and expected disbursement date on "01 January 2025"
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# -- repayment on Feb, 1, 2025 ---#
When Admin sets the business date to "01 February 2025"
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 339.16 EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 339.16 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 339.16 | 0.0 | 0.0 | 678.34 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 339.16 | 333.33 | 5.83 | 0.0 | 0.0 | 666.67 | false | false |
# -- 2nd disb - on Feb, 15, 2025 --#
When Admin sets the business date to "15 February 2025"
When Admin successfully disburse the loan on "15 February 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 8.75 | 0.0 | 0.0 | 342.08 | 339.16 | 0.0 | 0.0 | 2.92 |
| | | 15 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 28 | 01 March 2025 | | 666.67 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 3 | 31 | 01 April 2025 | | 0.0 | 666.67 | 8.75 | 0.0 | 0.0 | 675.42 | 0.0 | 0.0 | 0.0 | 675.42 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 339.16 | 0.0 | 0.0 | 1187.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 339.16 | 330.41 | 8.75 | 0.0 | 0.0 | 669.59 | false | true |
| 15 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1169.59 | false | false |
When Loan Pay-off is made on "15 February 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4121
Scenario: Verify cumulative multidisbursal loan with flat interest type and same_as_repeyment interest calculation period with down payment - UC4
When Admin sets the business date to "01 January 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | 1st_tranche_disb_expected_date |1st_tranche_disb_principal | 2nd_tranche_disb_expected_date |2nd_tranche_disb_principal |
| LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_MULTIDISB_AUTO_DOWNPAYMENT | 01 January 2025 | 1500 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 | 15 January 2025 | 500.0 |
And Admin successfully approves the loan on "01 January 2025" with "1500" amount and expected disbursement date on "01 January 2025"
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 5.75 | 0.0 | 0.0 | 255.75 | 0.0 | 0.0 | 0.0 | 255.75 |
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 5.75 | 0.0 | 0.0 | 255.75 | 0.0 | 0.0 | 0.0 | 255.75 |
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 5.76 | 0.0 | 0.0 | 255.76 | 0.0 | 0.0 | 0.0 | 255.76 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.26 | 0.0 | 0.0 | 1017.26 | 250.0 | 0.0 | 0.0 | 767.26 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
# -- 2nd disb - on Jan, 15, 2025 --#
When Admin sets the business date to "15 January 2025"
When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 5 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 0 | 15 January 2025 | 15 January 2025 | 1125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 February 2025 | | 750.0 | 375.0 | 8.63 | 0.0 | 0.0 | 383.63 | 0.0 | 0.0 | 0.0 | 383.63 |
| 4 | 28 | 01 March 2025 | | 375.0 | 375.0 | 8.63 | 0.0 | 0.0 | 383.63 | 0.0 | 0.0 | 0.0 | 383.63 |
| 5 | 31 | 01 April 2025 | | 0.0 | 375.0 | 8.63 | 0.0 | 0.0 | 383.63 | 0.0 | 0.0 | 0.0 | 383.63 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 25.89 | 0.0 | 0.0 | 1525.89 | 375.0 | 0.0 | 0.0 | 1150.89 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | false | false |
| 15 January 2025 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | false | false |
When Loan Pay-off is made on "15 January 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4122
Scenario: Verify cumulative multidisbursal loan with flat interest type and same_as_repeyment interest calculation period with approved over applied amount - UC5
When Admin sets the business date to "01 January 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | 1st_tranche_disb_expected_date |1st_tranche_disb_principal | 2nd_tranche_disb_expected_date |2nd_tranche_disb_principal |
| LP1_INTEREST_FLAT_SAR_RECALCULATION_DAILY_360_30_APPROVED_OVER_APPLIED_MULTIDISB | 01 January 2025 | 1000 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 | 15 January 2025 | 500.0 |
And Admin successfully approves the loan on "01 January 2025" with "1200" amount and expected disbursement date on "01 January 2025"
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
Then Loan Tranche Details tab has the following data:
| Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
| 01 January 2025 | 01 January 2025 | 1000.0 | |
# -- 2nd disb - on Feb, 15, 2025 --#
When Admin sets the business date to "15 January 2025"
When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 26.25 | 0.0 | 0.0 |1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
Then Loan Tranche Details tab has the following data:
| Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
| 01 January 2025 | 01 January 2025 | 1000.0 | |
| 01 January 2025 | 15 January 2025 | 500.0 | |
When Loan Pay-off is made on "15 January 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4123
Scenario: Verify cumulative multidisbursal loan with undo last disb with flat interest type and daily interest calculation period - UC6
When Admin sets the business date to "01 January 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | 1st_tranche_disb_expected_date |1st_tranche_disb_principal | 2nd_tranche_disb_expected_date |2nd_tranche_disb_principal |
| LP1_INTEREST_FLAT_DAILY_RECALCULATION_DAILY_360_30_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 | 15 January 2025 | 500.0 |
And Admin successfully approves the loan on "01 January 2025" with "1500" amount and expected disbursement date on "01 January 2025"
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
Then Loan Tranche Details tab has the following data:
| Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
| 01 January 2025 | 01 January 2025 | 1000.0 | |
# -- 2nd disb - on Feb, 15, 2025 --#
When Admin sets the business date to "15 January 2025"
When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
| 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
Then Loan Tranche Details tab has the following data:
| Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
| 01 January 2025 | 01 January 2025 | 1000.0 | |
| 01 January 2025 | 15 January 2025 | 500.0 | |
# --- undo last disbursement --- #
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
| 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
Then Loan Tranche Details tab has the following data:
| Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
| 01 January 2025 | 01 January 2025 | 1000.0 | |
When Loan Pay-off is made on "15 January 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met