From 5784cb7edb3bdc1c0f735e027591c64220b741f5 Mon Sep 17 00:00:00 2001 From: MarianaDmytrivBinariks Date: Tue, 28 Oct 2025 15:32:28 +0200 Subject: [PATCH] FINERACT-2354: e2e test scenarios for re-aging with payable and full interest handling options --- .../data/loanproduct/DefaultLoanProduct.java | 1 + .../LoanProductGlobalInitializerStep.java | 36 + .../test/stepdef/loan/LoanReAgingStepDef.java | 32 +- .../fineract/test/support/TestContextKey.java | 1 + .../resources/features/LoanReAging.feature | 4649 ++++++++++++----- 5 files changed, 3525 insertions(+), 1194 deletions(-) diff --git a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java index fe01229cb..4e1101bed 100644 --- a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java +++ b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java @@ -125,6 +125,7 @@ public enum DefaultLoanProduct implements LoanProduct { LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE, // LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_EXPECT_TRANCHE_APPROVED_OVER_APPLIED, // LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE, // + LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK, // LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CASH_ACCOUNTING_DISBURSEMENT_CHARGES, // LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF, // LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ACCELERATE_MATURITY_CHARGE_OFF, // diff --git a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java index 4884c2881..a9bbdca24 100644 --- a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java +++ b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java @@ -4254,6 +4254,42 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ .createLoanProduct(loanProductsRequestInterestFlatActualActualMultiDisbursementExpectsTranches).execute(); TestContext.INSTANCE.set(TestContextKey.LP1_INTEREST_FLAT_DAILY_ACTUAL_ACTUAL_MULTIDISB_EXPECT_TRANCHES, responseLoanProductsRequestInterestFlatActualActualMultiDisbursementExpectsTranches); + + // LP2 with progressive loan schedule + horizontal + interest recalculation daily EMI + 360/30 + + // multidisbursement + // Frequency for recalculate Outstanding Principal: Daily, Frequency Interval for recalculation: 1 + // chargeback - interest, fee, principal, penalty + String name151 = DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK + .getName(); + PostLoanProductsRequest loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseChargeback = loanProductsRequestFactory + .defaultLoanProductsRequestLP2Emi()// + .name(name151)// + .daysInYearType(DaysInYearType.DAYS360.value)// + .daysInMonthType(DaysInMonthType.DAYS30.value)// + .isInterestRecalculationEnabled(true)// + .preClosureInterestCalculationStrategy(1)// + .rescheduleStrategyMethod(4)// + .interestRecalculationCompoundingMethod(0)// + .recalculationRestFrequencyType(2)// + .recalculationRestFrequencyInterval(1)// + .creditAllocation(List.of(// + createCreditAllocation("CHARGEBACK", List.of("INTEREST", "FEE", "PRINCIPAL", "PENALTY"))// + ))// + .paymentAllocation(List.of(// + createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), // + createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), // + createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), // + createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")))// + .multiDisburseLoan(true)// + .disallowExpectedDisbursements(true)// + .maxTrancheCount(10)// + .outstandingLoanBalance(10000.0);// + Response responseLoanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseChargeback = loanProductsApi + .createLoanProduct(loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseChargeback) + .execute(); + TestContext.INSTANCE.set( + TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK, + responseLoanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyMultiDisburseChargeback); } public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule, diff --git a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanReAgingStepDef.java b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanReAgingStepDef.java index 45b783f57..677ed039a 100644 --- a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanReAgingStepDef.java +++ b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanReAgingStepDef.java @@ -195,18 +195,11 @@ public class LoanReAgingStepDef extends AbstractStepDef { Response loanResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE); String loanExternalId = loanResponse.body().getResourceExternalId(); - List data = table.asLists().get(1); - int frequencyNumber = Integer.parseInt(data.get(0)); - String frequencyType = data.get(1); - String startDate = data.get(2); - int numberOfInstallments = Integer.parseInt(data.get(3)); - - PostLoansLoanIdTransactionsRequest reAgingRequest = LoanRequestFactory// - .defaultReAgingRequest()// - .frequencyNumber(frequencyNumber)// - .frequencyType(frequencyType)// - .startDate(startDate)// - .numberOfInstallments(numberOfInstallments);// + PostLoansLoanIdTransactionsRequest reAgingRequest = setReAgeingRequestProperties(// + LoanRequestFactory.defaultReAgingRequest(), // + table.row(0), // + table.row(1) // + ); Response response = loanTransactionsApi .executeLoanTransaction1(loanExternalId, reAgingRequest, "reAge").execute(); @@ -521,4 +514,19 @@ public class LoanReAgingStepDef extends AbstractStepDef { return actualValues; } + PostLoansLoanIdTransactionsRequest setReAgeingRequestProperties(PostLoansLoanIdTransactionsRequest request, List headers, + List values) { + for (int i = 0; i < headers.size(); i++) { + String header = headers.get(i).toLowerCase().trim().replaceAll(" ", ""); + switch (header) { + case "frequencynumber" -> request.setFrequencyNumber(Integer.parseInt(values.get(i))); + case "frequencytype" -> request.setFrequencyType(values.get(i)); + case "startdate" -> request.setStartDate(values.get(i)); + case "numberofinstallments" -> request.setNumberOfInstallments(Integer.parseInt(values.get(i))); + case "reageinteresthandling" -> request.setReAgeInterestHandling(values.get(i)); + default -> throw new IllegalStateException("Unknown header: " + header); + } + } + return request; + } } diff --git a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java index 4e1c6d28d..c99fd6507 100644 --- a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java +++ b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java @@ -156,6 +156,7 @@ public abstract class TestContextKey { public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyMultidisburseExpectTranche"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_EXPECT_TRANCHE_APPROVED_OVER_APPLIED = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyMultidisburseExpectTrancheApprovedOVerAppliedPercentage"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE = "loanProductCreateResponseLP2AdvancedPaymentInterestRecalculationDailyEmi36030Multidisburse"; + public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK = "loanProductCreateResponseLP2AdvancedPaymentInterestRecalculationDailyEmi36030MultidisburseChargeback"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CASH_ACCOUNTING_DISBURSEMENT_CHARGES = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyCashBasedDisbursementCharge"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_CAPITALIZED_INCOME = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentCapitalizedIncome"; public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentBuyDownFees"; diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature index 1a22f4658..2ea99ba04 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature @@ -987,7 +987,7 @@ Feature: LoanReAging | 5 | 15 | 01 March 2024 | | 333.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | | 6 | 31 | 01 April 2024 | | 166.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | | 7 | 30 | 01 May 2024 | | 0.0 | 166.0 | 0.0 | 0.0 | 0.0 | 166.0 | 0.0 | 0.0 | 0.0 | 166.0 | - 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 | | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 500.0 | 0.0 | 250.0 | 500.0 | Then Loan Transactions tab has the following data: @@ -2727,15 +2727,16 @@ Feature: LoanReAging When Admin creates a Loan re-aging transaction by Loan external ID with the following data: | frequencyNumber | frequencyType | startDate | numberOfInstallments | | 1 | MONTHS | 16 January 2025 | 6 | - Then Loan Repayment schedule has 6 periods, with the following data for periods: + Then Loan Repayment schedule has 7 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 | 15 | 16 January 2025 | | 694.0 | 306.0 | 0.0 | 0.0 | 0.0 | 306.0 | 167.0| 167.0 | 0.0 | 139.0 | - | 2 | 31 | 16 February 2025 | | 555.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | - | 3 | 28 | 16 March 2025 | | 416.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | - | 4 | 31 | 16 April 2025 | | 277.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | - | 5 | 30 | 16 May 2025 | | 138.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | - | 6 | 31 | 16 June 2025 | | 0.0 | 138.0 | 0.0 | 0.0 | 0.0 | 138.0 | 0.0 | 0.0 | 0.0 | 138.0 | + | 1 | 14 | 15 January 2025 | 15 January 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0| 167.0 | 0.0 | 0.0 | + | 2 | 1 | 16 January 2025 | | 694.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | + | 3 | 31 | 16 February 2025 | | 555.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | + | 4 | 28 | 16 March 2025 | | 416.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | + | 5 | 31 | 16 April 2025 | | 277.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | + | 6 | 30 | 16 May 2025 | | 138.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | + | 7 | 31 | 16 June 2025 | | 0.0 | 138.0 | 0.0 | 0.0 | 0.0 | 138.0 | 0.0 | 0.0 | 0.0 | 138.0 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 167.0 | 167.0 | 0.0 | 833.0 | @@ -2791,36 +2792,20 @@ Feature: LoanReAging | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | | 15 January 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | - - When Admin creates a Loan re-aging preview by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | - | 1 | MONTHS | 16 January 2025 | 6 | - Then Loan Repayment schedule preview 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 2025 | | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | - | 1 | 15 | 16 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 100.0| 100.0 | 0.0 | 150.0 | - | 2 | 31 | 16 February 2025 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 3 | 28 | 16 March 2025 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 4 | 31 | 16 April 2025 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 5 | 30 | 16 May 2025 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 6 | 31 | 16 June 2025 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - Then Loan Repayment schedule preview has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 100.0 | 100.0 | 0.0 | 900.0 | - # --- re-age loan on 1st installment ---# When Admin creates a Loan re-aging transaction by Loan external ID with the following data: | frequencyNumber | frequencyType | startDate | numberOfInstallments | | 1 | MONTHS | 16 January 2025 | 6 | - Then Loan Repayment schedule has 6 periods, with the following data for periods: + Then Loan Repayment schedule has 7 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 | 15 | 16 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 100.0| 100.0 | 0.0 | 150.0 | - | 2 | 31 | 16 February 2025 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 3 | 28 | 16 March 2025 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 4 | 31 | 16 April 2025 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 5 | 30 | 16 May 2025 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | - | 6 | 31 | 16 June 2025 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | + | 1 | 14 | 15 January 2025 | 15 January 2025 | 900.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0| 100.0 | 0.0 | 0.0 | + | 2 | 1 | 16 January 2025 | | 750.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | + | 3 | 31 | 16 February 2025 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | + | 4 | 28 | 16 March 2025 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | + | 5 | 31 | 16 April 2025 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | + | 6 | 30 | 16 May 2025 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | + | 7 | 31 | 16 June 2025 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 100.0 | 100.0 | 0.0 | 900.0 | @@ -2880,15 +2865,16 @@ Feature: LoanReAging When Admin creates a Loan re-aging transaction by Loan external ID with the following data: | frequencyNumber | frequencyType | startDate | numberOfInstallments | | 1 | MONTHS | 16 January 2025 | 6 | - Then Loan Repayment schedule has 6 periods, with the following data for periods: + Then Loan Repayment schedule has 7 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 | 15 | 16 January 2025 | | 733.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 167.0 | 167.0 | 0.0 | 100.0 | - | 2 | 31 | 16 February 2025 | | 466.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 167.0 | 167.0 | 0.0 | 100.0 | - | 3 | 28 | 16 March 2025 | | 300.0 | 166.0 | 0.0 | 0.0 | 0.0 | 166.0 | 66.0 | 66.0 | 0.0 | 100.0 | - | 4 | 31 | 16 April 2025 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | - | 5 | 30 | 16 May 2025 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | - | 6 | 31 | 16 June 2025 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | + | 1 | 14 | 15 January 2025 | 15 January 2025 | 600.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 400.0 | 0.0 | 0.0 | + | 2 | 1 | 16 January 2025 | | 500.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | + | 3 | 31 | 16 February 2025 | | 400.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | + | 4 | 28 | 16 March 2025 | | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | + | 5 | 31 | 16 April 2025 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | + | 6 | 30 | 16 May 2025 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | + | 7 | 31 | 16 June 2025 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 400.0 | 400.0 | 0.0 | 600.0 | @@ -2956,7 +2942,7 @@ Feature: LoanReAging | 3 | 28 | 16 March 2025 | | 400.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | | 4 | 31 | 16 April 2025 | | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | | 5 | 30 | 16 May 2025 | | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | - 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 | | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 300.0 | 100.0 | 200.0 | 700.0 | Then Loan Transactions tab has the following data: @@ -3011,40 +2997,22 @@ Feature: LoanReAging | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | | 15 January 2025 | Repayment | 166.65 | 166.65 | 0.0 | 0.0 | 0.0 | 833.35 | false | - - When Admin creates a Loan re-aging preview by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | - | 1 | MONTHS | 16 January 2025 | 8 | - Then Loan Repayment schedule preview has 8 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 | 0.0 | 0.0 | 0.0 | | | | - | 1 | 15 | 16 January 2025 | | 895.83 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 2 | 31 | 16 February 2025 | | 791.66 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 3 | 28 | 16 March 2025 | | 687.49 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 4 | 31 | 16 April 2025 | | 583.32 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 5 | 30 | 16 May 2025 | | 479.15 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 6 | 31 | 16 June 2025 | | 208.33 | 270.82 | 0.0 | 0.0 | 0.0 | 270.82 | 166.65 | 166.65 | 0.0 | 104.17 | - | 7 | 30 | 16 July 2025 | | 104.16 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 8 | 31 | 16 August 2025 | | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 | - Then Loan Repayment schedule preview has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 | - # --- re-age loan on 1st installment ---# When Admin creates a Loan re-aging transaction by Loan external ID with the following data: | frequencyNumber | frequencyType | startDate | numberOfInstallments | | 1 | MONTHS | 16 January 2025 | 8 | - Then Loan Repayment schedule has 8 periods, with the following data for periods: + Then Loan Repayment schedule has 9 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 | 15 | 16 January 2025 | | 895.83 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 2 | 31 | 16 February 2025 | | 791.66 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 3 | 28 | 16 March 2025 | | 687.49 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 4 | 31 | 16 April 2025 | | 583.32 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 5 | 30 | 16 May 2025 | | 479.15 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 6 | 31 | 16 June 2025 | | 208.33 | 270.82 | 0.0 | 0.0 | 0.0 | 270.82 | 166.65 | 166.65 | 0.0 | 104.17 | - | 7 | 30 | 16 July 2025 | | 104.16 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | - | 8 | 31 | 16 August 2025 | | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 | + | 1 | 14 | 15 January 2025 | 15 January 2025 | 833.35 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 166.65 | 166.65 | 0.0 | 0.0 | + | 2 | 1 | 16 January 2025 | | 729.18 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | + | 3 | 31 | 16 February 2025 | | 625.01 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | + | 4 | 28 | 16 March 2025 | | 520.84 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | + | 5 | 31 | 16 April 2025 | | 416.67 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | + | 6 | 30 | 16 May 2025 | | 312.5 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | + | 7 | 31 | 16 June 2025 | | 208.33 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | + | 8 | 30 | 16 July 2025 | | 104.16 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | + | 9 | 31 | 16 August 2025 | | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 | @@ -3100,21 +3068,6 @@ Feature: LoanReAging | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | | 15 January 2025 | Repayment | 166.65 | 166.65 | 0.0 | 0.0 | 0.0 | 833.35 | false | - - When Admin creates a Loan re-aging preview by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | - | 1 | MONTHS | 16 January 2025 | 4 | - Then Loan Repayment schedule preview 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 | 0.0 | 0.0 | 0.0 | | | | - | 1 | 15 | 16 January 2025 | | 791.66 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | - | 2 | 31 | 16 February 2025 | | 583.32 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | - | 3 | 28 | 16 March 2025 | | 374.98 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | - | 4 | 31 | 16 April 2025 | | 166.65 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 | - Then Loan Repayment schedule preview has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 833.35 | 0.0 | 0.0 | 0.0 | 833.35 | 0.0 | 0.0 | 0.0 | 833.35 | - # --- re-age loan on 1st installment ---# When Admin creates a Loan re-aging transaction by Loan external ID with the following data: | frequencyNumber | frequencyType | startDate | numberOfInstallments | @@ -3122,20 +3075,24 @@ Feature: LoanReAging 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 | 15 | 16 January 2025 | | 791.66 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | - | 2 | 31 | 16 February 2025 | | 583.32 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | - | 3 | 28 | 16 March 2025 | | 374.98 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | - | 4 | 31 | 16 April 2025 | | 166.65 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 | - | 5 | 30 | 01 July 2025 | 15 January 2025 | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 166.65 | 166.65 | 0.0 | 0.0 | + | 1 | 14 | 15 January 2025 | 15 January 2025 | 833.35 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 166.65 | 166.65 | 0.0 | 0.0 | + | 2 | 1 | 16 January 2025 | | 625.01 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | + | 3 | 31 | 16 February 2025 | | 416.67 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | + | 4 | 28 | 16 March 2025 | | 208.33 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | + | 5 | 31 | 16 April 2025 | | 0.0 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 | Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 | + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | | 15 January 2025 | Repayment | 166.65 | 166.65 | 0.0 | 0.0 | 0.0 | 833.35 | false | | 15 January 2025 | Re-age | 833.35 | 833.35 | 0.0 | 0.0 | 0.0 | 0.0 | false | + When Loan Pay-off is made on "15 January 2025" + Then Loan status will be "CLOSED_OBLIGATIONS_MET" + Then Loan has 0 outstanding amount + @TestRailId:C4079 @AdvancedPaymentAllocation Scenario: Verify Loan re-aging transaction at 1st installment - before maturity date and removes additional installments - UC12 When Admin sets the business date to "01 January 2025" @@ -3214,20 +3171,6 @@ Feature: LoanReAging Then Loan Charges tab has the following data: | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | | NSF fee | true | Specified due date | 01 January 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 | - - When Admin creates a Loan re-aging preview by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | - | 1 | MONTHS | 11 January 2025 | 2 | - Then Loan Repayment schedule preview 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 | 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 | 10 | 11 January 2025 | | 375.0 | 375.0 | 0.0 | 0.0 | 20.0 | 395.0 | 0.0 | 0.0 | 0.0 | 395.0 | - | 3 | 31 | 11 February 2025 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | - Then Loan Repayment schedule preview has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 250.0 | 0.0 | 0.0 | 770.0 | - # --- re-age loan on 1st installment ---# When Admin sets the business date to "10 January 2025" When Admin creates a Loan re-aging transaction by Loan external ID with the following data: @@ -5787,16 +5730,16 @@ Feature: LoanReAging | frequencyNumber | frequencyType | startDate | numberOfInstallments | | 1 | MONTHS | 01 April 2024 | 6 | Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 56.04 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | - | 4 | 30 | 01 May 2024 | | 45.03 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | - | 5 | 31 | 01 June 2024 | | 34.02 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | - | 6 | 30 | 01 July 2024 | | 22.82 | 11.2 | 0.2 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | - | 7 | 31 | 01 August 2024 | | 11.55 | 11.27 | 0.13 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | - | 8 | 31 | 01 September 2024| | 0.0 | 11.55 | 0.07 | 0.0 | 0.0 | 11.62 | 0.0 | 0.0 | 0.0 | 11.62 | + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 56.04 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | + | 4 | 30 | 01 May 2024 | | 45.03 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | + | 5 | 31 | 01 June 2024 | | 34.02 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | + | 6 | 30 | 01 July 2024 | | 22.82 | 11.2 | 0.2 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | + | 7 | 31 | 01 August 2024 | | 11.55 | 11.27 | 0.13 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 | + | 8 | 31 | 01 September 2024 | | 0.0 | 11.55 | 0.07 | 0.0 | 0.0 | 11.62 | 0.0 | 0.0 | 0.0 | 11.62 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | 100.0 | 2.64 | 0.0 | 0.0 | 102.64 | 34.02 | 0.0 | 0.0 | 68.62 | @@ -5880,8 +5823,8 @@ Feature: LoanReAging | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | When Admin sets the business date to "15 February 2024" When Admin fails to create a Loan re-aging transaction with status code 400 error "validation.msg.validation.errors.exist" and with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | - | 1 | MONTHS | 31 December 2023 | 6 | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | + | 1 | MONTHS | 31 December 2023 | 6 | @Skip @TestRailId:C4156 @AdvancedPaymentAllocation Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Verify backdated re-aging on the day of repayment with interest recalculation enabled - UC16.3 @@ -5968,512 +5911,8 @@ Feature: LoanReAging | 01 February 2024 | Re-age | 83.57 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | false | true | | 01 March 2024 | Repayment | 17.01 | 16.7 | 0.31 | 0.0 | 0.0 | 66.87 | false | true | - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_1 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC1 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_2 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC2 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - - When Admin sets the business date to "15 February 2024" - And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount - Then Loan Charges tab has the following data: - | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | - | Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | - - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 69.65 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | - | 4 | 30 | 01 May 2024 | | 55.73 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | - | 5 | 31 | 01 June 2024 | | 41.81 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | - | 6 | 30 | 01 July 2024 | | 27.89 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | - | 7 | 31 | 01 August 2024 | | 13.97 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | - | 8 | 31 | 01 September 2024 | | 0.0 | 13.97 | 0.11 | 1.65 | 0.0 | 15.73 | 0.0 | 0.0 | 0.0 | 15.73 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.29 | 10.0 | 0.0 | 111.29 | 17.01 | 0.0 | 0.0 | 94.28 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 94.28 | 83.57 | 0.71 | 10.0 | 0.0 | 0.0 | false | false | - - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_3 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and chargeback - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC3 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount - When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.15 | 33.43 | 0.59 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | - | 3 | 31 | 01 April 2024 | | 50.53 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 117.01 | 2.15 | 0.0 | 0.0 | 119.16 | 17.01 | 0.0 | 0.0 | 102.15 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | - - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | - | 15 March 2024 | Re-age | 101.43 | 100.58 | 0.85 | 0.0 | 0.0 | 0.0 | false | false | - - When Loan Pay-off is made on "15 March 2024" - Then Loan is closed with zero outstanding balance and it's all installments have obligations met - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_3.1 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and full chargeback(with pymnt alloc W/OUT interest recalc) - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC3.1 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - # When Admin runs inline COB job for Loan - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount - When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 32.95 | 1.07 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 116.43 | 2.63 | 0.0 | 0.0 | 119.06 | 17.01 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "15 March 2024" - # When Admin runs inline COB job for Loan - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.2 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 116.43 | 1.83 | 0.0 | 0.0 | 118.26 | 17.01 | 0.0 | 0.0 | 101.25 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | - | 15 March 2024 | Re-age | 101.25 | 100.0 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | - - When Loan Pay-off is made on "15 March 2024" - Then Loan is closed with zero outstanding balance and it's all installments have obligations met - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_3.2 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and partial chargeback(with pymnt alloc WITH interest recalc) - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC3.2 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - # When Admin runs inline COB job for Loan - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount - When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.1 | 25.89 | 1.12 | 0.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | - | 3 | 31 | 01 April 2024 | | 50.48 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.76 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.95 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 109.42 | 2.68 | 0.0 | 0.0 | 112.1 | 17.01 | 0.0 | 0.0 | 95.09 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | - - When Admin sets the business date to "15 March 2024" - # When Admin runs inline COB job for Loan - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 77.5 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 4 | 30 | 01 May 2024 | | 62.01 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 5 | 31 | 01 June 2024 | | 46.52 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 6 | 30 | 01 July 2024 | | 31.03 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 7 | 31 | 01 August 2024 | | 15.54 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 8 | 31 | 01 September 2024 | | 0.0 | 15.54 | 0.21 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 109.42 | 1.94 | 0.0 | 0.0 | 111.36 | 17.01 | 0.0 | 0.0 | 94.35 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | - | 15 March 2024 | Re-age | 94.35 | 92.99 | 1.36 | 0.0 | 0.0 | 0.0 | false | false | - - When Loan Pay-off is made on "15 March 2024" - Then Loan is closed with zero outstanding balance and it's all installments have obligations met - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_3.3 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment, charge and partial chargeback(with pymnt alloc WITH interest recalc) - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC3.3 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - When Admin runs inline COB job for Loan - And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 February 2024" due date and 8 EUR transaction amount - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount - When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 0.0 | 25.01 | 17.01 | 0.0 | 0.0 | 8.0 | - | 2 | 29 | 01 March 2024 | | 67.06 | 18.51 | 0.5 | 8.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | - | 3 | 31 | 01 April 2024 | | 50.44 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 102.0 | 2.06 | 16.0 | 0.0 | 120.06 | 17.01 | 0.0 | 0.0 | 103.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 9.01 | 0.0 | 8.0 | 0.0 | 90.99 | false | false | - | 01 February 2024 | Chargeback | 10.0 | 2.0 | 0.0 | 8.0 | 0.0 | 92.99 | false | false | - - When Admin sets the business date to "15 March 2024" - # When Admin runs inline COB job for Loan - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 15 March 2024 | 90.99 | 9.01 | 0.0 | 8.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 1.33 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 77.5 | 15.49 | 0.23 | 1.33 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 4 | 30 | 01 May 2024 | | 62.01 | 15.49 | 0.23 | 1.33 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 5 | 31 | 01 June 2024 | | 46.52 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 6 | 30 | 01 July 2024 | | 31.03 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 7 | 31 | 01 August 2024 | | 15.54 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | - | 8 | 31 | 01 September 2024 | | 0.0 | 15.54 | 0.21 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 102.0 | 1.36 | 8.0 | 0.0 | 111.36 | 17.01 | 0.0 | 0.0 | 94.35 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 9.01 | 0.0 | 8.0 | 0.0 | 90.99 | false | false | - | 01 February 2024 | Chargeback | 10.0 | 2.0 | 0.0 | 8.0 | 0.0 | 92.99 | false | false | - | 15 March 2024 | Re-age | 94.35 | 92.99 | 1.36 | 0.0 | 0.0 | 0.0 | false | false | - - When Loan Pay-off is made on "15 March 2024" - Then Loan is closed with zero outstanding balance and it's all installments have obligations met - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_3.4 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment, charges(penalty and fee) and partial chargeback(with pymnt alloc WITH interest recalc) - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC3.4 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - When Admin runs inline COB job for Loan - And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 February 2024" due date and 8 EUR transaction amount - When Admin adds "LOAN_NSF_FEE" due date charge with "01 February 2024" due date and 10 EUR transaction amount - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 34.02 EUR transaction amount - When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 10.0 | 35.01 | 34.02 | 0.0 | 0.0 | 0.99 | - | 2 | 29 | 01 March 2024 | | 67.05 | 32.54 | 0.49 | 0.99 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 116.02 | 2.05 | 8.99 | 10.0 | 137.06| 34.02 | 0.0 | 0.0 | 103.04 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 01 February 2024 | Repayment | 34.02 | 16.02 | 0.0 | 8.0 | 10.0 | 83.98 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 16.02 | 0.0 | 0.99 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "15 March 2024" - # When Admin runs inline COB job for Loan - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 15 March 2024 | 83.98 | 16.02 | 0.0 | 8.0 | 10.0 | 34.02 | 34.02 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 1.67 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.21 | 0.0 | 1.67 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.21 | 0.0 | 1.67 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.2 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 116.02 | 1.25 | 8.0 | 10.0 | 135.27 | 34.02 | 0.0 | 0.0 | 101.25 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 01 February 2024 | Repayment | 34.02 | 16.02 | 0.0 | 8.0 | 10.0 | 83.98 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 16.02 | 0.0 | 0.99 | 0.0 | 100.0 | false | false | - | 15 March 2024 | Re-age | 101.25 | 100.0 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | - - When Loan Pay-off is made on "15 March 2024" - Then Loan is closed with zero outstanding balance and it's all installments have obligations met - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_3.5 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and charges(fee and penalty) with due date after re-age - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC3.5 + @TestRailId:C4158 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC1 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -6499,445 +5938,104 @@ Feature: LoanReAging When Admin sets the business date to "01 February 2024" When Admin runs inline COB job for Loan - And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 April 2024" due date and 8 EUR transaction amount - When Admin adds "LOAN_NSF_FEE" due date charge with "01 April 2024" due date and 10 EUR transaction amount + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 8.0 | 10.0 | 35.01 | 0.0 | 0.0 | 0.0 | 35.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 8.0 | 10.0 | 120.05 | 0.0 | 0.0 | 0.0 | 120.05 | + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | When Admin sets the business date to "15 March 2024" - # When Admin runs inline COB job for Loan + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 83.34 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | - | 4 | 30 | 01 May 2024 | | 66.68 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | - | 5 | 31 | 01 June 2024 | | 50.02 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | - | 6 | 30 | 01 July 2024 | | 33.36 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | - | 7 | 31 | 01 August 2024 | | 16.7 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | - | 8 | 31 | 01 September 2024 | | 0.0 | 16.7 | 0.22 | 1.35 | 1.65 | 19.92 | 0.0 | 0.0 | 0.0 | 19.92 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.42 | 8.0 | 10.0 | 119.42 | 0.0 | 0.0 | 0.0 | 119.42 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | - - When Admin sets the business date to "01 April 2024" - And Customer makes "AUTOPAY" repayment on "01 April 2024" with 19.9 EUR transaction amount - Then Loan has 99.52 outstanding amount - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | - | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | - - When Admin sets the business date to "01 May 2024" - And Customer makes "AUTOPAY" repayment on "01 May 2024" with 19.9 EUR transaction amount - Then Loan has 79.62 outstanding amount - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | - | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | - | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | - - When Admin sets the business date to "01 June 2024" - And Customer makes "AUTOPAY" repayment on "01 June 2024" with 19.9 EUR transaction amount - Then Loan has 59.72 outstanding amount - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | - | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | - | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | - | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | - - When Admin sets the business date to "01 July 2024" - And Customer makes "AUTOPAY" repayment on "01 July 2024" with 19.9 EUR transaction amount - Then Loan has 39.82 outstanding amount - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | - | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | - | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | - | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | - | 01 July 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 33.36 | false | false | - - When Admin sets the business date to "01 August 2024" - And Customer makes "AUTOPAY" repayment on "01 August 2024" with 19.9 EUR transaction amount - Then Loan has 19.92 outstanding amount - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | - | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | - | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | - | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | - | 01 July 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 33.36 | false | false | - | 01 August 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 16.7 | false | false | - - When Admin sets the business date to "01 September 2024" - And Customer makes "AUTOPAY" repayment on "01 September 2024" with 19.92 EUR transaction amount - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | - | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | - | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | - | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | - | 01 July 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 33.36 | false | false | - | 01 August 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 16.7 | false | false | - | 01 September 2024 | Repayment | 19.92 | 16.7 | 0.22 | 1.35 | 1.65 | 0.0 | false | false | - Then Loan is closed with zero outstanding balance and it's all installments have obligations met - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_4 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC4 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - - And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 July 2024" due date and 10 EUR transaction amount - Then Loan Charges tab has the following data: - | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | - | Snooze fee | false | Specified due date | 15 July 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | - - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 94.28 | 83.57 | 0.71 | 10.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_5 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with partially paid installment - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC5 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 7.99 | 7.99 | 0.0 | 9.02 | - | 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 25.0 | 7.99 | 0.0 | 77.0 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | - - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | - | 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_5.1 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with partially paid installment; adjust to last - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC5.1 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | - - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | Then Loan Repayment schedule has 8 periods, with the following data for periods: | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 70.98 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | - | 4 | 30 | 01 May 2024 | | 58.39 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | - | 5 | 31 | 01 June 2024 | | 45.8 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | - | 6 | 30 | 01 July 2024 | | 25.22 | 20.58 | 0.11 | 0.0 | 0.0 | 20.69 | 7.99 | 7.99 | 0.0 | 12.7 | - | 7 | 31 | 01 August 2024 | | 12.63 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | - | 8 | 31 | 01 September 2024 | | 0.0 | 12.63 | 0.09 | 0.0 | 0.0 | 12.72 | 0.0 | 0.0 | 0.0 | 12.72 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.22 | 0.0 | 0.0 | 101.22 | 25.0 | 7.99 | 0.0 | 76.22 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | - | 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_6 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with chargeback after re-age - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC6 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 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 | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + When Admin sets the business date to "16 March 2024" + When Admin runs inline COB job for Loan Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | - When Admin sets the business date to "01 April 2024" - When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | - | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | - And Loan Pay-off is made on "01 April 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_7 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with downpayment - interest bearing loan with equal amortization; outstanding payable interest + outstanding principal - UC7 - When Admin sets the business date to "01 January 2024" - 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 | - | LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" - When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount - Then Loan Repayment schedule has 7 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | - | 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 25.0 | 0.0 | 0.0 | 76.54 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | - - When Admin sets the business date to "01 February 2024" - And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 EUR transaction amount - Then Loan Repayment schedule has 7 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | - | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76| 0.0 | 0.0 | 0.0 | - | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.78 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | - | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | - - When Admin sets the business date to "15 March 2024" - When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | - - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | - | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | - | 15 March 2024 | Re-age | 63.22 | 62.68 | 0.54 | 0.0 | 0.0 | 0.0 | false | false | - - When Loan Pay-off is made on "15 March 2024" + When Loan Pay-off is made on "16 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_8.1 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and 2nd disb before re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest + outstanding principal - UC8.1 + @TestRailId:C4159 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and 2nd disb before re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC1.1 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -6962,7 +6060,6 @@ Feature: LoanReAging | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | When Admin sets the business date to "01 February 2024" - # When Admin runs inline COB job for Loan And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 | @@ -6982,20 +6079,19 @@ Feature: LoanReAging | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | When Admin successfully disburse the loan on "01 February 2024" with "50" EUR transaction amount - # When Admin runs inline COB job for 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | | | 01 February 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 01 February 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 2 | 29 | 01 March 2024 | | 107.17 | 26.4 | 0.78 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | | 3 | 31 | 01 April 2024 | | 80.62 | 26.55 | 0.63 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | | 4 | 30 | 01 May 2024 | | 53.91 | 26.71 | 0.47 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | | 5 | 31 | 01 June 2024 | | 27.04 | 26.87 | 0.31 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | - | 6 | 30 | 01 July 2024 | | 0.0 | 27.04 | 0.16 | 0.0 | 0.0 | 27.2 | 0.0 | 0.0 | 0.0 | 27.2 | + | 6 | 30 | 01 July 2024 | | 0.0 | 27.04 | 0.16 | 0.0 | 0.0 | 27.2 | 0.0 | 0.0 | 0.0 | 27.2 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 150.0 | 2.93 | 0.0 | 0.0 | 152.93 | 17.01 | 0.0 | 0.0 | 135.92 | + | 150.0 | 2.93 | 0.0 | 0.0 | 152.93 | 17.01 | 0.0 | 0.0 | 135.92 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -7003,7 +6099,7 @@ Feature: LoanReAging | 01 February 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | When Admin sets the business date to "15 March 2024" - # When Admin runs inline COB job for Loan + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | @@ -7011,35 +6107,36 @@ Feature: LoanReAging | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | | | 01 February 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | 3 | 31 | 01 April 2024 | | 111.31 | 22.26 | 0.19 | 0.0 | 0.0 | 22.45 | 0.0 | 0.0 | 0.0 | 22.45 | | 4 | 30 | 01 May 2024 | | 89.05 | 22.26 | 0.19 | 0.0 | 0.0 | 22.45 | 0.0 | 0.0 | 0.0 | 22.45 | | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.19 | 0.0 | 0.0 | 22.45 | 0.0 | 0.0 | 0.0 | 22.45 | | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.19 | 0.0 | 0.0 | 22.45 | 0.0 | 0.0 | 0.0 | 22.45 | | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.19 | 0.0 | 0.0 | 22.45 | 0.0 | 0.0 | 0.0 | 22.45 | - | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.18 | 10.0 | 0.0 | 24.1 | 0.0 | 0.0 | 0.0 | 24.1 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.18 | 0.0 | 0.0 | 22.45 | 0.0 | 0.0 | 0.0 | 22.45 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 150.0 | 1.71 | 10.0 | 0.0 | 155.03 | 17.01 | 0.0 | 0.0 | 138.02 | + | 150.0 | 1.71 | 0.0 | 0.0 | 151.71 | 17.01 | 0.0 | 0.0 | 134.7 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 144.7 | 133.57 | 1.13 | 10.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 14 March 2024 | Accrual | 1.69 | 0.0 | 1.69 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 134.7 | 133.57 | 1.13 | 0.0 | 0.0 | 0.0 | false | false | When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_8.2 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with partial chargeback(with custom pymnt alloc) and 2nd disb after re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest + outstanding principal - UC8.2 + @TestRailId:C4160 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and charge - interest bearing loan with equal amortization; outstanding payable interest - UC2 When Admin sets the business date to "01 January 2024" 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 | - | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | - And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + | 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" When Admin successfully disburse the loan on "01 January 2024" 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 | @@ -7058,7 +6155,6 @@ Feature: LoanReAging | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | When Admin sets the business date to "01 February 2024" - # When Admin runs inline COB job for Loan And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 | @@ -7077,86 +6173,1018 @@ Feature: LoanReAging | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + When Admin sets the business date to "15 February 2024" + When Admin runs inline COB job for Loan + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount + Then Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | false | false | + When Admin sets the business date to "15 March 2024" - # When Admin runs inline COB job for Loan + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | Then Loan Repayment schedule has 8 periods, with the following data for periods: | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.65 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 4 | 30 | 01 May 2024 | | 55.73 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 5 | 31 | 01 June 2024 | | 41.81 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 6 | 30 | 01 July 2024 | | 27.89 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 7 | 31 | 01 August 2024 | | 13.97 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.97 | 0.11 | 1.65 | 0.0 | 15.73 | 0.0 | 0.0 | 0.0 | 15.73 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 10.0 | 0.0 | 111.29 | 17.01 | 0.0 | 0.0 | 94.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | false | false | + + | 15 February 2024 | Accrual | 10.02 | 0.0 | 0.02 | 10.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + + | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 94.28 | 83.57 | 0.71 | 10.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4161 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with charge and repayment - interest bearing loan with equal amortization; outstanding payable interest - UC2.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 February 2024" + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount + Then Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "16 February 2024" + And Customer makes "AUTOPAY" repayment on "16 February 2024" with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 10.0 | 10.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 27.01 | 10.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 16 February 2024 | Repayment | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 10.0 | 10.0 | 0.0 | 0.0 | | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | - | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + | 100.0 | 1.29 | 10.0 | 0.0 | 111.29 | 27.01 | 10.0 | 0.0 | 84.28 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 16 February 2024 | Repayment | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 11.27 | 0.0 | 1.27 | 10.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | - When Admin sets the business date to "01 April 2024" -# When Admin runs inline COB job for Loan - When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | - | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 4 | 30 | 01 May 2024 | | 95.71 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | - | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | - | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | - | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | - | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.11 | 0.0 | 0.0 | 24.03 | 0.0 | 0.0 | 0.0 | 24.03 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 150.0 | 1.29 | 0.0 | 0.0 | 151.29 | 17.01 | 0.0 | 0.0 | 134.28 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | - | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | - - When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount - Then Loan Repayment schedule has 8 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | - | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 4 | 30 | 01 May 2024 | | 95.71 | 40.36 | 0.7 | 0.0 | 0.0 | 41.06 | 0.0 | 0.0 | 0.0 | 41.06 | - | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | - | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | - | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | - | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.11 | 0.0 | 0.0 | 24.03 | 0.0 | 0.0 | 0.0 | 24.03 | - Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 166.43 | 1.87 | 0.0 | 0.0 | 168.3 | 17.01 | 0.0 | 0.0 | 151.29 | - Then Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | - | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | - | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | - | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 150.0 | false | true | - - When Loan Pay-off is made on "01 April 2024" + When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met + @TestRailId:C4162 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with repayment and chargeback - interest bearing loan with equal amortization; outstanding payable interest - UC3 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_1 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC1 + When Admin sets the business date to "01 February 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.15 | 33.43 | 0.59 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 117.01 | 2.15 | 0.0 | 0.0 | 119.16 | 17.01 | 0.0 | 0.0 | 102.15 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.58 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.82 | 16.76 | 0.14 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 4 | 30 | 01 May 2024 | | 67.06 | 16.76 | 0.14 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 5 | 31 | 01 June 2024 | | 50.3 | 16.76 | 0.14 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 6 | 30 | 01 July 2024 | | 33.54 | 16.76 | 0.14 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 7 | 31 | 01 August 2024 | | 16.78 | 16.76 | 0.14 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.78 | 0.15 | 0.0 | 0.0 | 16.93 | 0.0 | 0.0 | 0.0 | 16.93 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 117.01 | 1.43 | 0.0 | 0.0 | 118.44 | 17.01 | 0.0 | 0.0 | 101.43 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | + + | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + + | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 101.43 | 100.58 | 0.85 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4163 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and full chargeback with payment alloc - interest bearing loan with equal amortization; outstanding payable interest - UC3.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 32.95 | 1.07 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 116.43 | 2.63 | 0.0 | 0.0 | 119.06 | 17.01 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | + | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | + | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | + | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | + | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.2 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 116.43 | 1.83 | 0.0 | 0.0 | 118.26 | 17.01 | 0.0 | 0.0 | 101.25 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 101.25 | 100.0 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4164 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and partial chargeback with payment alloc - interest bearing loan with equal amortization; outstanding payable interest - UC3.2 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.1 | 25.89 | 1.12 | 0.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.48 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.76 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.95 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 109.42 | 2.68 | 0.0 | 0.0 | 112.1 | 17.01 | 0.0 | 0.0 | 95.09 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 77.5 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | + | 4 | 30 | 01 May 2024 | | 62.01 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | + | 5 | 31 | 01 June 2024 | | 46.52 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | + | 6 | 30 | 01 July 2024 | | 31.03 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | + | 7 | 31 | 01 August 2024 | | 15.54 | 15.49 | 0.23 | 0.0 | 0.0 | 15.72 | 0.0 | 0.0 | 0.0 | 15.72 | + | 8 | 31 | 01 September 2024 | | 0.0 | 15.54 | 0.21 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 109.42 | 1.94 | 0.0 | 0.0 | 111.36 | 17.01 | 0.0 | 0.0 | 94.35 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | + | 14 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 94.35 | 92.99 | 1.36 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4165 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment, charge and partial chargeback with payment alloc - interest bearing loan with equal amortization; outstanding payable interest - UC3.3 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 February 2024" due date and 8 EUR transaction amount + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 0.0 | 25.01 | 17.01 | 0.0 | 0.0 | 8.0 | + | 2 | 29 | 01 March 2024 | | 67.06 | 18.51 | 0.5 | 8.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.44 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 102.0 | 2.06 | 16.0 | 0.0 | 120.06 | 17.01 | 0.0 | 0.0 | 103.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 9.01 | 0.0 | 8.0 | 0.0 | 90.99 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 2.0 | 0.0 | 8.0 | 0.0 | 92.99 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 90.99 | 9.01 | 0.0 | 8.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 77.49 | 15.5 | 0.23 | 1.33 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 | + | 4 | 30 | 01 May 2024 | | 61.99 | 15.5 | 0.23 | 1.33 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 | + | 5 | 31 | 01 June 2024 | | 46.49 | 15.5 | 0.23 | 1.33 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 | + | 6 | 30 | 01 July 2024 | | 30.99 | 15.5 | 0.23 | 1.33 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 | + | 7 | 31 | 01 August 2024 | | 15.49 | 15.5 | 0.23 | 1.33 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 | + | 8 | 31 | 01 September 2024 | | 0.0 | 15.49 | 0.21 | 1.35 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 102.0 | 1.36 | 16.0 | 0.0 | 119.36 | 17.01 | 0.0 | 0.0 | 102.35 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 9.01 | 0.0 | 8.0 | 0.0 | 90.99 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 2.0 | 0.0 | 8.0 | 0.0 | 92.99 | false | false | + | 14 March 2024 | Accrual | 9.31 | 0.0 | 1.31 | 8.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 102.35 | 92.99 | 1.36 | 8.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4166 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment, charges(penalty and fee) and partial chargeback with payment alloc - interest bearing loan with equal amortization; outstanding payable interest - UC3.4 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 February 2024" due date and 8 EUR transaction amount + When Admin adds "LOAN_NSF_FEE" due date charge with "01 February 2024" due date and 10 EUR transaction amount + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 34.02 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 10.0 | 35.01 | 34.02 | 0.0 | 0.0 | 0.99 | + | 2 | 29 | 01 March 2024 | | 67.05 | 32.54 | 0.49 | 0.99 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 116.02 | 2.05 | 8.99 | 10.0 | 137.06 | 34.02 | 0.0 | 0.0 | 103.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 34.02 | 16.02 | 0.0 | 8.0 | 10.0 | 83.98 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.02 | 0.0 | 0.99 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 83.98 | 16.02 | 0.0 | 8.0 | 10.0 | 34.02 | 34.02 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.2 | 0.19 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 116.02 | 1.25 | 8.99 | 10.0 | 136.26 | 34.02 | 0.0 | 0.0 | 102.24 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 34.02 | 16.02 | 0.0 | 8.0 | 10.0 | 83.98 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.02 | 0.0 | 0.99 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 19.23 | 0.0 | 1.23 | 8.0 | 10.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 102.24 | 100.0 | 1.25 | 0.99 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4167 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and charges(fee and penalty) with due date after re-age - interest bearing loan with equal amortization; outstanding payable interest - UC3.5 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 April 2024" due date and 8 EUR transaction amount + When Admin adds "LOAN_NSF_FEE" due date charge with "01 April 2024" due date and 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 8.0 | 10.0 | 35.01 | 0.0 | 0.0 | 0.0 | 35.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 8.0 | 10.0 | 120.05 | 0.0 | 0.0 | 0.0 | 120.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.34 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | + | 4 | 30 | 01 May 2024 | | 66.68 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | + | 5 | 31 | 01 June 2024 | | 50.02 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | + | 6 | 30 | 01 July 2024 | | 33.36 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | + | 7 | 31 | 01 August 2024 | | 16.7 | 16.66 | 0.24 | 1.33 | 1.67 | 19.9 | 0.0 | 0.0 | 0.0 | 19.9 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.7 | 0.22 | 1.35 | 1.65 | 19.92 | 0.0 | 0.0 | 0.0 | 19.92 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.42 | 8.0 | 10.0 | 119.42 | 0.0 | 0.0 | 0.0 | 119.42 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 April 2024" with 19.9 EUR transaction amount + Then Loan has 99.52 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | + + When Admin sets the business date to "01 May 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 May 2024" with 19.9 EUR transaction amount + Then Loan has 79.62 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | + + When Admin sets the business date to "01 June 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 June 2024" with 19.9 EUR transaction amount + Then Loan has 59.72 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | + | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | + + When Admin sets the business date to "01 July 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 July 2024" with 19.9 EUR transaction amount + Then Loan has 39.82 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | + | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | + | 01 July 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 33.36 | false | false | + + When Admin sets the business date to "01 August 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 August 2024" with 19.9 EUR transaction amount + Then Loan has 19.92 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | + | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | + | 01 July 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 33.36 | false | false | + | 01 August 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 16.7 | false | false | + + When Admin sets the business date to "01 September 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 September 2024" with 19.92 EUR transaction amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 119.42 | 100.0 | 1.42 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 83.34 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 66.68 | false | false | + | 01 June 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 50.02 | false | false | + | 01 July 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 33.36 | false | false | + | 01 August 2024 | Repayment | 19.9 | 16.66 | 0.24 | 1.33 | 1.67 | 16.7 | false | false | + | 01 September 2024 | Repayment | 19.92 | 16.7 | 0.22 | 1.35 | 1.65 | 0.0 | false | false | + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4168 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding payable interest - UC4 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 July 2024" due date and 10 EUR transaction amount + Then Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | Snooze fee | false | Specified due date | 15 July 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.65 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 4 | 30 | 01 May 2024 | | 55.73 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 5 | 31 | 01 June 2024 | | 41.81 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 6 | 30 | 01 July 2024 | | 27.89 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 7 | 31 | 01 August 2024 | | 13.97 | 13.92 | 0.12 | 1.67 | 0.0 | 15.71 | 0.0 | 0.0 | 0.0 | 15.71 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.97 | 0.11 | 1.65 | 0.0 | 15.73 | 0.0 | 0.0 | 0.0 | 15.73 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 10.0 | 0.0 | 111.29 | 17.01 | 0.0 | 0.0 | 94.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 94.28 | 83.57 | 0.71 | 10.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4169 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with partially paid installment - interest bearing loan with equal amortization; outstanding payable interest - UC5 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 7.99 | 7.99 | 0.0 | 9.02 | + | 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 25.0 | 7.99 | 0.0 | 77.0 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 62.99 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 4 | 30 | 01 May 2024 | | 50.4 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 5 | 31 | 01 June 2024 | | 37.81 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 6 | 30 | 01 July 2024 | | 25.22 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 7 | 31 | 01 August 2024 | | 12.63 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 8 | 31 | 01 September 2024 | | 0.0 | 12.63 | 0.09 | 0.0 | 0.0 | 12.72 | 0.0 | 0.0 | 0.0 | 12.72 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.22 | 0.0 | 0.0 | 101.22 | 25.0 | 7.99 | 0.0 | 76.22 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | + | 14 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false | + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4207 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with partially paid installment; adjust to last - interest bearing loan with equal amortization; outstanding payable interest - UC5.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 9 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 62.99 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 5 | 30 | 01 May 2024 | | 50.4 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 6 | 31 | 01 June 2024 | | 37.81 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 7 | 30 | 01 July 2024 | | 25.22 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 8 | 31 | 01 August 2024 | | 12.63 | 12.59 | 0.11 | 0.0 | 0.0 | 12.7 | 0.0 | 0.0 | 0.0 | 12.7 | + | 9 | 31 | 01 September 2024 | | 0.0 | 12.63 | 0.09 | 0.0 | 0.0 | 12.72 | 0.0 | 0.0 | 0.0 | 12.72 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.22 | 0.0 | 0.0 | 101.22 | 25.0 | 7.99 | 0.0 | 76.22 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | + | 14 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4170 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with chargeback after re-age - interest bearing loan with equal amortization; outstanding payable interest - UC6 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7200,20 +7228,963 @@ Feature: LoanReAging | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | - | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_2 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC2 + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 30.94 | 0.12 | 0.0 | 0.0 | 31.06 | 0.0 | 0.0 | 0.0 | 31.06 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 117.01 | 1.29 | 0.0 | 0.0 | 118.3 | 17.01 | 0.0 | 0.0 | 101.29 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | + + When Admin sets the business date to "02 April 2024" + When Admin runs inline COB job for Loan + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | + + When Loan Pay-off is made on "02 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4171 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with partial chargeback with custom payment alloc after re-age - interest bearing loan with equal amortization; outstanding payable interest - UC6.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.2 | 0.0 | 0.0 | 14.12 | 0.0 | 0.0 | 0.0 | 14.12 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.83 | 0.0 | 0.0 | 101.83 | 17.01 | 0.0 | 0.0 | 84.82 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.82 | 83.57 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 4 | 30 | 01 May 2024 | | 55.71 | 23.35 | 0.79 | 0.0 | 0.0 | 24.14 | 0.0 | 0.0 | 0.0 | 24.14 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.2 | 0.0 | 0.0 | 14.12 | 0.0 | 0.0 | 0.0 | 14.12 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 109.42 | 2.41 | 0.0 | 0.0 | 111.83 | 17.01 | 0.0 | 0.0 | 94.82 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.82 | 83.57 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | + | 31 March 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4172 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with full chargeback with custom payment alloc after re-age - interest bearing loan with equal amortization; outstanding payable interest - UC6.2 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 30.36 | 0.7 | 0.0 | 0.0 | 31.06 | 0.0 | 0.0 | 0.0 | 31.06 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 116.43 | 1.87 | 0.0 | 0.0 | 118.3 | 17.01 | 0.0 | 0.0 | 101.29 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4173 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with MIR after re-age - interest bearing loan with equal amortization; outstanding payable interest - UC6.3 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + + | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 April 2024" with 34.02 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | 01 April 2024 | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 14.05 | 0.0 | 0.0 | 0.0 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 3.99 | 3.99 | 0.0 | 10.06 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 3.99 | 3.99 | 0.0 | 10.06 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 3.99 | 3.99 | 0.0 | 10.06 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 3.99 | 3.99 | 0.0 | 10.06 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 4.01 | 4.01 | 0.0 | 10.02 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 51.03 | 19.97 | 0.0 | 50.26 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + + | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Merchant Issued Refund | 34.02 | 33.9 | 0.12 | 0.0 | 0.0 | 49.67 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4174 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with PR and accrual activity after re-age - interest bearing loan with equal amortization; outstanding payable interest - UC6.4 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_REFUND_INTEREST_RECALC_ACCRUAL_ACTIVITY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "01 April 2024" with 34.02 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | 01 April 2024 | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 14.05 | 0.0 | 0.0 | 0.0 | + | 4 | 30 | 01 May 2024 | 01 April 2024 | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 14.05 | 14.05 | 0.0 | 0.0 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 6.41 | 6.41 | 0.0 | 7.64 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 51.52 | 20.46 | 0.0 | 49.77 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Payout Refund | 34.02 | 33.78 | 0.24 | 0.0 | 0.0 | 49.79 | false | false | + | 01 April 2024 | Interest Refund | 0.49 | 0.49 | 0.0 | 0.0 | 0.0 | 49.3 | false | false | + + When Admin sets the business date to "02 April 2024" + When Admin runs inline COB job for Loan + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Payout Refund | 34.02 | 33.78 | 0.24 | 0.0 | 0.0 | 49.79 | false | false | + | 01 April 2024 | Interest Refund | 0.49 | 0.49 | 0.0 | 0.0 | 0.0 | 49.3 | false | false | + | 01 April 2024 | Accrual Activity | 0.12 | 0.0 | 0.12 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "02 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4175 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with BuyDownFee after re-age - interest bearing loan with equal amortization; outstanding payable interest - UC6.5 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4176 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with downpayment - interest bearing loan with equal amortization; outstanding payable interest - UC7 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 7 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | + | 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 25.0 | 0.0 | 0.0 | 76.54 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 EUR transaction amount + Then Loan Repayment schedule has 7 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | + | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | + | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.78 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | + | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 9 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | + | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | + | 3 | 29 | 01 March 2024 | 15 March 2024 | 62.68 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 31 | 01 April 2024 | | 52.23 | 10.45 | 0.09 | 0.0 | 0.0 | 10.54 | 0.0 | 0.0 | 0.0 | 10.54 | + | 5 | 30 | 01 May 2024 | | 41.78 | 10.45 | 0.09 | 0.0 | 0.0 | 10.54 | 0.0 | 0.0 | 0.0 | 10.54 | + | 6 | 31 | 01 June 2024 | | 31.33 | 10.45 | 0.09 | 0.0 | 0.0 | 10.54 | 0.0 | 0.0 | 0.0 | 10.54 | + | 7 | 30 | 01 July 2024 | | 20.88 | 10.45 | 0.09 | 0.0 | 0.0 | 10.54 | 0.0 | 0.0 | 0.0 | 10.54 | + | 8 | 31 | 01 August 2024 | | 10.43 | 10.45 | 0.09 | 0.0 | 0.0 | 10.54 | 0.0 | 0.0 | 0.0 | 10.54 | + | 9 | 31 | 01 September 2024 | | 0.0 | 10.43 | 0.09 | 0.0 | 0.0 | 10.52 | 0.0 | 0.0 | 0.0 | 10.52 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 0.98 | 0.0 | 0.0 | 100.98 | 37.76 | 0.0 | 0.0 | 63.22 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | + | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | + | 14 March 2024 | Accrual | 0.96 | 0.0 | 0.96 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 63.22 | 62.68 | 0.54 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4177 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with repayment - interest bearing loan with equal amortization; outstanding FULL interest - UC1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4178 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and 2nd disb before re-age - interest bearing multidisb loan with equal amortization; outstanding FULL interest - UC1.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin successfully disburse the loan on "01 February 2024" with "50" EUR transaction amount + When Admin runs inline COB job for 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | | 107.17 | 26.4 | 0.78 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | + | 3 | 31 | 01 April 2024 | | 80.62 | 26.55 | 0.63 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | + | 4 | 30 | 01 May 2024 | | 53.91 | 26.71 | 0.47 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | + | 5 | 31 | 01 June 2024 | | 27.04 | 26.87 | 0.31 | 0.0 | 0.0 | 27.18 | 0.0 | 0.0 | 0.0 | 27.18 | + | 6 | 30 | 01 July 2024 | | 0.0 | 27.04 | 0.16 | 0.0 | 0.0 | 27.2 | 0.0 | 0.0 | 0.0 | 27.2 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.93 | 0.0 | 0.0 | 152.93 | 17.01 | 0.0 | 0.0 | 135.92 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | | | 01 February 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 111.31 | 22.26 | 0.4 | 0.0 | 0.0 | 22.66 | 0.0 | 0.0 | 0.0 | 22.66 | + | 4 | 30 | 01 May 2024 | | 89.05 | 22.26 | 0.4 | 0.0 | 0.0 | 22.66 | 0.0 | 0.0 | 0.0 | 22.66 | + | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.4 | 0.0 | 0.0 | 22.66 | 0.0 | 0.0 | 0.0 | 22.66 | + | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.4 | 0.0 | 0.0 | 22.66 | 0.0 | 0.0 | 0.0 | 22.66 | + | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.4 | 0.0 | 0.0 | 22.66 | 0.0 | 0.0 | 0.0 | 22.66 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.41 | 0.0 | 0.0 | 22.68 | 0.0 | 0.0 | 0.0 | 22.68 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.99 | 0.0 | 0.0 | 152.99 | 17.01 | 0.0 | 0.0 | 135.98 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 04 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 08 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 11 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + + | 01 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 135.98 | 133.57 | 2.41 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4179 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding FULL interest - UC2 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7263,20 +8234,152 @@ Feature: LoanReAging | Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 1.65 | 0.0 | 15.83 | 0.0 | 0.0 | 0.0 | 15.83 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 10.0 | 0.0 | 112.09 | 17.01 | 0.0 | 0.0 | 95.08 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 11.27 | 0.0 | 1.27 | 10.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 95.08 | 83.57 | 1.51 | 10.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_3 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and chargeback - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC3 + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4180 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with charge and repayment - interest bearing loan with equal amortization; outstanding FULL interest - UC2.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 February 2024" + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount + Then Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "16 February 2024" + And Customer makes "AUTOPAY" repayment on "16 February 2024" with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 10.0 | 10.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 27.01 | 10.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 16 February 2024 | Repayment | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 10.0 | 10.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 10.0 | 0.0 | 112.09 | 27.01 | 10.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 16 February 2024 | Repayment | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 11.27 | 0.0 | 1.27 | 10.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4181 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with repayment and chargeback - interest bearing loan with equal amortization; outstanding FULL interest - UC3 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7314,29 +8417,399 @@ Feature: LoanReAging | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 117.01 | 2.15 | 0.0 | 0.0 | 119.16 | 17.01 | 0.0 | 0.0 | 102.15 | + | 117.01 | 2.15 | 0.0 | 0.0 | 119.16 | 17.01 | 0.0 | 0.0 | 102.15 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.58 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.82 | 16.76 | 0.28 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 4 | 30 | 01 May 2024 | | 67.06 | 16.76 | 0.28 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 5 | 31 | 01 June 2024 | | 50.3 | 16.76 | 0.28 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 6 | 30 | 01 July 2024 | | 33.54 | 16.76 | 0.28 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 7 | 31 | 01 August 2024 | | 16.78 | 16.76 | 0.28 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.78 | 0.27 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 117.01 | 2.25 | 0.0 | 0.0 | 119.26 | 17.01 | 0.0 | 0.0 | 102.25 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | - | 15 March 2024 | Re-age | 102.25 | 100.58 | 1.67 | 0.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" + | 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | + | 14 March 2024 | Accrual | 1.42 | 0.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 102.25 | 100.58 | 1.67 | 0.0 | 0.0 | 0.0 | false | false | - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_4 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC4 + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4182 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and partial chargeback with payment alloc - interest bearing loan with equal amortization; outstanding FULL interest - UC3.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 25.94 | 1.07 | 0.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 109.42 | 2.63 | 0.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 77.49 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | + | 4 | 30 | 01 May 2024 | | 61.99 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | + | 5 | 31 | 01 June 2024 | | 46.49 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | + | 6 | 30 | 01 July 2024 | | 30.99 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | + | 7 | 31 | 01 August 2024 | | 15.49 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | + | 8 | 31 | 01 September 2024 | | 0.0 | 15.49 | 0.35 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 109.42 | 2.63 | 0.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | + | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 95.04 | 92.99 | 2.05 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4183 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and full chargeback with payment alloc - interest bearing loan with equal amortization; outstanding FULL interest - UC3.2 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | + | 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 116.43 | 2.72 | 0.0 | 0.0 | 119.15 | 17.01 | 0.0 | 0.0 | 102.14 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.37 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.37 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.37 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.37 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.37 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.39 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 116.43 | 2.82 | 0.0 | 0.0 | 119.25 | 17.01 | 0.0 | 0.0 | 102.24 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.4 | 0.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 102.24 | 100.0 | 2.24 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4184 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment, charge and partial chargeback with payment alloc - interest bearing loan with equal amortization; outstanding FULL interest - UC3.3 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + When Admin runs inline COB job for Loan + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 February 2024" due date and 8 EUR transaction amount + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 0.0 | 25.01 | 17.01 | 0.0 | 0.0 | 8.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 18.52 | 0.49 | 8.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 102.0 | 2.05 | 16.0 | 0.0 | 120.05 | 17.01 | 0.0 | 0.0 | 103.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 9.01 | 0.0 | 8.0 | 0.0 | 90.99 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 2.0 | 0.0 | 8.0 | 0.0 | 92.99 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 90.99 | 9.01 | 0.0 | 8.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 77.49 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | + | 4 | 30 | 01 May 2024 | | 61.99 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | + | 5 | 31 | 01 June 2024 | | 46.49 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | + | 6 | 30 | 01 July 2024 | | 30.99 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | + | 7 | 31 | 01 August 2024 | | 15.49 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | + | 8 | 31 | 01 September 2024 | | 0.0 | 15.49 | 0.35 | 1.35 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 102.0 | 2.05 | 16.0 | 0.0 | 120.05 | 17.01 | 0.0 | 0.0 | 103.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 9.01 | 0.0 | 8.0 | 0.0 | 90.99 | false | false | + | 01 February 2024 | Chargeback | 10.0 | 2.0 | 0.0 | 8.0 | 0.0 | 92.99 | false | false | + + | 01 February 2024 | Accrual | 8.02 | 0.0 | 0.02 | 8.0 | 0.0 | 0.0 | false | false | + | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + + | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 103.04 | 92.99 | 2.05 | 8.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4185 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment, charges(penalty and fee) and partial chargeback with payment alloc - interest bearing loan with equal amortization; outstanding FULL interest - UC3.4 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 February 2024" due date and 8 EUR transaction amount + When Admin adds "LOAN_NSF_FEE" due date charge with "01 February 2024" due date and 10 EUR transaction amount + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 34.02 EUR transaction amount + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 10.0 | 35.01 | 34.02 | 0.0 | 0.0 | 0.99 | + | 2 | 29 | 01 March 2024 | | 67.14 | 32.45 | 0.58 | 0.99 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | + | 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 116.02 | 2.14 | 8.99 | 10.0 | 137.15 | 34.02 | 0.0 | 0.0 | 103.13 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 34.02 | 16.02 | 0.0 | 8.0 | 10.0 | 83.98 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.02 | 0.0 | 0.99 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 83.98 | 16.02 | 0.0 | 8.0 | 10.0 | 34.02 | 34.02 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.37 | 0.16 | 0.0 | 17.2 | 0.0 | 0.0 | 0.0 | 17.2 | + | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.37 | 0.16 | 0.0 | 17.2 | 0.0 | 0.0 | 0.0 | 17.2 | + | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.37 | 0.16 | 0.0 | 17.2 | 0.0 | 0.0 | 0.0 | 17.2 | + | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.37 | 0.16 | 0.0 | 17.2 | 0.0 | 0.0 | 0.0 | 17.2 | + | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.37 | 0.16 | 0.0 | 17.2 | 0.0 | 0.0 | 0.0 | 17.2 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.39 | 0.19 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 116.02 | 2.24 | 8.99 | 10.0 | 137.25 | 34.02 | 0.0 | 0.0 | 103.23 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 34.02 | 16.02 | 0.0 | 8.0 | 10.0 | 83.98 | false | false | + | 01 February 2024 | Chargeback | 17.01 | 16.02 | 0.0 | 0.99 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 19.4 | 0.0 | 1.4 | 8.0 | 10.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 103.23 | 100.0 | 2.24 | 0.99 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4186 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with repayment and charges(fee and penalty) with due date after re-age - interest bearing loan with equal amortization; outstanding FULL interest - UC3.5 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7361,6 +8834,162 @@ Feature: LoanReAging | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | When Admin sets the business date to "01 February 2024" + And Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 April 2024" due date and 8 EUR transaction amount + When Admin adds "LOAN_NSF_FEE" due date charge with "01 April 2024" due date and 10 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 8.0 | 10.0 | 35.01 | 0.0 | 0.0 | 0.0 | 35.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 8.0 | 10.0 | 120.05 | 0.0 | 0.0 | 0.0 | 120.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.37 | 1.33 | 1.67 | 20.04 | 0.0 | 0.0 | 0.0 | 20.04 | + | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.37 | 1.33 | 1.67 | 20.04 | 0.0 | 0.0 | 0.0 | 20.04 | + | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.37 | 1.33 | 1.67 | 20.04 | 0.0 | 0.0 | 0.0 | 20.04 | + | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.37 | 1.33 | 1.67 | 20.04 | 0.0 | 0.0 | 0.0 | 20.04 | + | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.37 | 1.33 | 1.67 | 20.04 | 0.0 | 0.0 | 0.0 | 20.04 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.39 | 1.35 | 1.65 | 20.04 | 0.0 | 0.0 | 0.0 | 20.04 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.24 | 8.0 | 10.0 | 120.24 | 0.0 | 0.0 | 0.0 | 120.24 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 120.24 | 100.0 | 2.24 | 8.0 | 10.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 April 2024" with 20.04 EUR transaction amount + Then Loan has 100.2 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 120.24 | 100.0 | 2.24 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 83.33 | false | false | + + When Admin sets the business date to "01 May 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 May 2024" with 20.04 EUR transaction amount + Then Loan has 80.16 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 120.24 | 100.0 | 2.24 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 83.33 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 66.66 | false | false | + + When Admin sets the business date to "01 June 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 June 2024" with 20.04 EUR transaction amount + Then Loan has 60.12 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 120.24 | 100.0 | 2.24 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 83.33 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 66.66 | false | false | + | 01 June 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 49.99 | false | false | + + When Admin sets the business date to "01 July 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 July 2024" with 20.04 EUR transaction amount + Then Loan has 40.08 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 120.24 | 100.0 | 2.24 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 83.33 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 66.66 | false | false | + | 01 June 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 49.99 | false | false | + | 01 July 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 33.32 | false | false | + + When Admin sets the business date to "01 August 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 August 2024" with 20.04 EUR transaction amount + Then Loan has 20.04 outstanding amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 120.24 | 100.0 | 2.24 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 83.33 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 66.66 | false | false | + | 01 June 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 49.99 | false | false | + | 01 July 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 33.32 | false | false | + | 01 August 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 16.65 | false | false | + + When Admin sets the business date to "01 September 2024" + When Admin runs inline COB job for Loan + And Customer makes "AUTOPAY" repayment on "01 September 2024" with 20.04 EUR transaction amount + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 14 March 2024 | Accrual | 1.31 | 0.0 | 1.31 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 120.24 | 100.0 | 2.24 | 8.0 | 10.0 | 0.0 | false | false | + | 01 April 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 83.33 | false | false | + | 01 April 2024 | Accrual | 18.0 | 0.0 | 0.0 | 8.0 | 10.0 | 0.0 | false | false | + | 01 May 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 66.66 | false | false | + | 01 June 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 49.99 | false | false | + | 01 July 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 33.32 | false | false | + | 01 August 2024 | Repayment | 20.04 | 16.67 | 0.37 | 1.33 | 1.67 | 16.65 | false | false | + | 01 September 2024 | Repayment | 20.04 | 16.65 | 0.39 | 1.35 | 1.65 | 0.0 | false | false | + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4187 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding FULL interest - UC4 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + When Admin runs inline COB job for Loan And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 | @@ -7377,28 +9006,90 @@ Feature: LoanReAging Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 July 2024" due date and 10 EUR transaction amount Then Loan Charges tab has the following data: - | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | - | Snooze fee | false | Specified due date | 15 July 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | Snooze fee | false | Specified due date | 15 July 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 1.67 | 0.0 | 15.85 | 0.0 | 0.0 | 0.0 | 15.85 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 1.65 | 0.0 | 15.83 | 0.0 | 0.0 | 0.0 | 15.83 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 10.0 | 0.0 | 112.09 | 17.01 | 0.0 | 0.0 | 95.08 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 95.08 | 83.57 | 1.51 | 10.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_5 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with partially paid installment - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC5 + | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + + | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 95.08 | 83.57 | 1.51 | 10.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4188 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with partially paid installment - interest bearing loan with equal amortization; outstanding FULL interest - UC5 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7428,34 +9119,50 @@ Feature: LoanReAging | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 7.99 | 7.99 | 0.0 | 9.02 | + | 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 7.99 | 7.99 | 0.0 | 9.02 | | 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | | 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | | 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 | Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 25.0 | 7.99 | 0.0 | 77.0 | + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 25.0 | 7.99 | 0.0 | 77.0 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 62.98 | 12.6 | 0.24 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 | + | 4 | 30 | 01 May 2024 | | 50.38 | 12.6 | 0.24 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 | + | 5 | 31 | 01 June 2024 | | 37.78 | 12.6 | 0.24 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 | + | 6 | 30 | 01 July 2024 | | 25.18 | 12.6 | 0.24 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 | + | 7 | 31 | 01 August 2024 | | 12.58 | 12.6 | 0.24 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 | + | 8 | 31 | 01 September 2024 | | 0.0 | 12.58 | 0.24 | 0.0 | 0.0 | 12.82 | 0.0 | 0.0 | 0.0 | 12.82 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.02 | 0.0 | 0.0 | 102.02 | 25.0 | 7.99 | 0.0 | 77.02 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | + | 14 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 77.02 | 75.58 | 1.44 | 0.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_5.1 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with partially paid installment; adjust to last - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC5.1 + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4208 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with partially paid installment; adjust to last - interest bearing loan with equal amortization; outstanding full interest - UC5.1 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7491,28 +9198,45 @@ Feature: LoanReAging | 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | | 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 | Then Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 | + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + Then Loan Repayment schedule has 9 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 62.98 | 12.6 | 0.21 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 | + | 5 | 30 | 01 May 2024 | | 50.38 | 12.6 | 0.21 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 | + | 6 | 31 | 01 June 2024 | | 37.78 | 12.6 | 0.21 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 | + | 7 | 30 | 01 July 2024 | | 25.18 | 12.6 | 0.21 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 | + | 8 | 31 | 01 August 2024 | | 12.58 | 12.6 | 0.21 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 | + | 9 | 31 | 01 September 2024 | | 0.0 | 12.58 | 0.23 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.86 | 0.0 | 0.0 | 101.86 | 25.0 | 7.99 | 0.0 | 76.86 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false | + | 14 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 76.86 | 75.58 | 1.28 | 0.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_6 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with chargeback after re-age - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC6 + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4189 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with chargeback after re-age - interest bearing loan with equal amortization; outstanding FULL interest - UC6 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7556,30 +9280,574 @@ Feature: LoanReAging | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | - | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | - And Loan Pay-off is made on "01 April 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" + | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false | + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met - @TestRailId:C_PS-2778 @TestRailId:C_PS-2778_7 @AdvancedPaymentAllocation - Scenario: Verify Loan re-aging transaction with downpayment - interest bearing loan with equal amortization; outstanding FULL interest + outstanding principal - UC7 + @TestRailId:C_4190 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with full chargeback with custom payment alloc after re-age - interest bearing loan with equal amortization; outstanding FULL interest - UC6.1 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.27 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 4 | 30 | 01 May 2024 | | 55.71 | 30.36 | 0.82 | 0.0 | 0.0 | 31.18 | 0.0 | 0.0 | 0.0 | 31.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.27 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 116.43 | 2.63 | 0.0 | 0.0 | 119.06 | 17.01 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4191 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with partial chargeback with custom payment alloc after re-age - interest bearing loan with equal amortization; outstanding FULL interest - UC6.2 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 23.35 | 0.83 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 109.42 | 2.67 | 0.0 | 0.0 | 112.09 | 17.01 | 0.0 | 0.0 | 95.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4192 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with PR after re-age - interest bearing loan with equal amortization; outstanding FULL interest - UC6.3 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "01 April 2024" with 34.02 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | 01 April 2024 | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 14.18 | 0.0 | 0.0 | 0.0 | + | 4 | 30 | 01 May 2024 | 01 April 2024 | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 14.18 | 14.18 | 0.0 | 0.0 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 5.66 | 5.66 | 0.0 | 8.52 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 51.03 | 19.84 | 0.0 | 51.06 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Payout Refund | 34.02 | 33.52 | 0.5 | 0.0 | 0.0 | 50.05 | false | false | + + When Admin sets the business date to "02 April 2024" + When Admin runs inline COB job for Loan + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Payout Refund | 34.02 | 33.52 | 0.5 | 0.0 | 0.0 | 50.05 | false | false | + + When Loan Pay-off is made on "02 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4193 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with MIR and accrual activity after re-age - interest bearing loan with equal amortization; outstanding FULL interest - UC6.4 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_REFUND_INTEREST_RECALC_ACCRUAL_ACTIVITY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 April 2024" with 34.02 EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | 01 April 2024 | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 14.18 | 0.0 | 0.0 | 0.0 | + | 4 | 30 | 01 May 2024 | 01 April 2024 | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 14.18 | 14.18 | 0.0 | 0.0 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 6.21 | 6.21 | 0.0 | 7.97 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 51.58 | 20.39 | 0.0 | 50.51 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Merchant Issued Refund | 34.02 | 33.52 | 0.5 | 0.0 | 0.0 | 50.05 | false | false | + | 01 April 2024 | Interest Refund | 0.55 | 0.55 | 0.0 | 0.0 | 0.0 | 49.5 | false | false | + + When Admin sets the business date to "02 April 2024" + When Admin runs inline COB job for Loan + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Merchant Issued Refund | 34.02 | 33.52 | 0.5 | 0.0 | 0.0 | 50.05 | false | false | + | 01 April 2024 | Interest Refund | 0.55 | 0.55 | 0.0 | 0.0 | 0.0 | 49.5 | false | false | + | 01 April 2024 | Accrual Activity | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "02 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4194 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with BuyDownFee after re-age - interest bearing loan with equal amortization; outstanding FULL interest - UC6.5 + When Admin sets the business date to "01 January 2024" + 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 | + | LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 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 | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin runs inline COB job for Loan + When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "02 April 2024" + When Admin runs inline COB job for Loan + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Buy Down Fee Amortization | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "02 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4195 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging transaction with downpayment - interest bearing loan with equal amortization; outstanding FULL interest - UC7 When Admin sets the business date to "01 January 2024" When Admin creates a client with random data When Admin creates a fully customized loan with the following data: @@ -7590,7 +9858,7 @@ Feature: LoanReAging Then Loan Repayment schedule has 7 periods, with the following data for periods: | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | + | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | | 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | @@ -7599,7 +9867,7 @@ Feature: LoanReAging | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 25.0 | 0.0 | 0.0 | 76.54 | + | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 25.0 | 0.0 | 0.0 | 76.54 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -7608,18 +9876,18 @@ Feature: LoanReAging When Admin sets the business date to "01 February 2024" And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 EUR transaction amount Then Loan Repayment schedule has 7 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | - | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76| 0.0 | 0.0 | 0.0 | - | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | - | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | + | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | + | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | + | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.78 | + | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.78 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -7627,15 +9895,32 @@ Feature: LoanReAging | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | When Admin sets the business date to "15 March 2024" + When Admin runs inline COB job for Loan When Admin creates a Loan re-aging transaction by Loan external ID with the following data: - | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | - + Then Loan Repayment schedule has 9 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | + | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | + | 3 | 29 | 01 March 2024 | 15 March 2024 | 62.68 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 31 | 01 April 2024 | | 52.23 | 10.45 | 0.19 | 0.0 | 0.0 | 10.64 | 0.0 | 0.0 | 0.0 | 10.64 | + | 5 | 30 | 01 May 2024 | | 41.78 | 10.45 | 0.19 | 0.0 | 0.0 | 10.64 | 0.0 | 0.0 | 0.0 | 10.64 | + | 6 | 31 | 01 June 2024 | | 31.33 | 10.45 | 0.19 | 0.0 | 0.0 | 10.64 | 0.0 | 0.0 | 0.0 | 10.64 | + | 7 | 30 | 01 July 2024 | | 20.88 | 10.45 | 0.19 | 0.0 | 0.0 | 10.64 | 0.0 | 0.0 | 0.0 | 10.64 | + | 8 | 31 | 01 August 2024 | | 10.43 | 10.45 | 0.19 | 0.0 | 0.0 | 10.64 | 0.0 | 0.0 | 0.0 | 10.64 | + | 9 | 31 | 01 September 2024 | | 0.0 | 10.43 | 0.19 | 0.0 | 0.0 | 10.62 | 0.0 | 0.0 | 0.0 | 10.62 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.58 | 0.0 | 0.0 | 101.58 | 37.76 | 0.0 | 0.0 | 63.82 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | + | 14 March 2024 | Accrual | 0.96 | 0.0 | 0.96 | 0.0 | 0.0 | 0.0 | false | false | | 15 March 2024 | Re-age | 63.82 | 62.68 | 1.14 | 0.0 | 0.0 | 0.0 | false | false | - And Loan Pay-off is made on "15 March 2024" - Then Loan status will be "CLOSED_OBLIGATIONS_MET" + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met