Merge pull request #872 from pramodn02/MIFOSX-1076

added loan charge junits
2014-04-22 18:18:30 -07:00
parent bf6ffb27eb 40c6223d8c
commit 6069379af9
5 changed files with 833 additions and 25 deletions
@@ -2,17 +2,25 @@ package org.mifosplatform.integrationtests;

 import static org.junit.Assert.assertEquals;

+import java.text.DecimalFormat;
 import java.util.ArrayList;
 import java.util.Arrays;
 import java.util.HashMap;
+import java.util.List;

+import org.junit.Assert;
 import org.junit.Before;
 import org.junit.Test;
 import org.mifosplatform.integrationtests.common.ClientHelper;
 import org.mifosplatform.integrationtests.common.Utils;
+import org.mifosplatform.integrationtests.common.charges.ChargesHelper;
 import org.mifosplatform.integrationtests.common.loans.LoanApplicationTestBuilder;
 import org.mifosplatform.integrationtests.common.loans.LoanProductTestBuilder;
+import org.mifosplatform.integrationtests.common.loans.LoanStatusChecker;
 import org.mifosplatform.integrationtests.common.loans.LoanTransactionHelper;
+import org.mifosplatform.integrationtests.common.savings.SavingsAccountHelper;
+import org.mifosplatform.integrationtests.common.savings.SavingsProductHelper;
+import org.mifosplatform.integrationtests.common.savings.SavingsStatusChecker;

 import com.jayway.restassured.builder.RequestSpecBuilder;
 import com.jayway.restassured.builder.ResponseSpecBuilder;
@@ -27,6 +35,9 @@ import com.jayway.restassured.specification.ResponseSpecification;
@SuppressWarnings({ "rawtypes", "unchecked" })
 public class ClientLoanIntegrationTest {

+    public static final String MINIMUM_OPENING_BALANCE = "1000.0";
+    public static final String ACCOUNT_TYPE_INDIVIDUAL = "INDIVIDUAL";
+
    private ResponseSpecification responseSpec;
    private RequestSpecification requestSpec;
    private LoanTransactionHelper loanTransactionHelper;
@@ -46,13 +57,575 @@ public class ClientLoanIntegrationTest {
        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
        ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID);
        final Integer loanProductID = createLoanProduct();
-        final Integer loanID = applyForLoanApplication(clientID, loanProductID);
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID, null);
        final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec,
                loanID);
        verifyLoanRepaymentSchedule(loanSchedule);

    }

+    @Test
+    public void testLoanCharges_DISBURSEMENT_FEE() {
+        this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID);
+        final Integer loanProductID = createLoanProduct();
+
+        List<HashMap> charges = new ArrayList<HashMap>();
+        Integer flatDisbursement = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper.getLoanDisbursementJSON());
+
+        Integer amountPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanDisbursementJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT, "1"));
+        addCharges(charges, amountPercentage, "1", null);
+        Integer amountPlusInterestPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanDisbursementJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT_AND_INTEREST, "1"));
+        addCharges(charges, amountPlusInterestPercentage, "1", null);
+        Integer interestPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanDisbursementJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_INTEREST, "1"));
+        addCharges(charges, interestPercentage, "1", null);
+
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID, charges);
+        Assert.assertNotNull(loanID);
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        HashMap disbursementDetail = loanSchedule.get(0);
+
+        List<HashMap> loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+
+        validateCharge(amountPercentage, loanCharges, "1.0", "120.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "1.0", "6.06", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "1.0", "126.06", "0.0", "0.0");
+
+        validateNumberForEqual("252.12", String.valueOf(disbursementDetail.get("feeChargesDue")));
+
+        this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getDisbursementChargesForLoanAsJSON(String.valueOf(flatDisbursement)));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        disbursementDetail = loanSchedule.get(0);
+
+        validateCharge(flatDisbursement, loanCharges, "100.0", "100.0", "0.0", "0.0");
+        validateNumberForEqual("352.12", String.valueOf(disbursementDetail.get("feeChargesDue")));
+
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(amountPercentage, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(interestPercentage, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(amountPlusInterestPercentage, loanCharges)
+                .get("id"), LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(flatDisbursement, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("150"));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        disbursementDetail = loanSchedule.get(0);
+        validateCharge(amountPercentage, loanCharges, "2.0", "240.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "2.0", "12.12", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "2.0", "252.12", "0.0", "0.0");
+        validateCharge(flatDisbursement, loanCharges, "150.0", "150.0", "0.0", "0.0");
+        validateNumberForEqual("654.24", String.valueOf(disbursementDetail.get("feeChargesDue")));
+
+        this.loanTransactionHelper.updateLoan(loanID,
+                updateLoanJson(clientID, loanProductID, copyChargesForUpdate(loanCharges, null, null), null));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        disbursementDetail = loanSchedule.get(0);
+        validateCharge(amountPercentage, loanCharges, "2.0", "200.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "2.0", "10.1", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "2.0", "210.1", "0.0", "0.0");
+        validateCharge(flatDisbursement, loanCharges, "150.0", "150.0", "0.0", "0.0");
+        validateNumberForEqual("570.2", String.valueOf(disbursementDetail.get("feeChargesDue")));
+
+        this.loanTransactionHelper.updateLoan(loanID,
+                updateLoanJson(clientID, loanProductID, copyChargesForUpdate(loanCharges, flatDisbursement, "1"), null));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        disbursementDetail = loanSchedule.get(0);
+        validateCharge(amountPercentage, loanCharges, "1.0", "100.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "1.0", "5.05", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "1.0", "105.05", "0.0", "0.0");
+        validateNumberForEqual("210.1", String.valueOf(disbursementDetail.get("feeChargesDue")));
+
+        charges.clear();
+        addCharges(charges, flatDisbursement, "100", null);
+        this.loanTransactionHelper.updateLoan(loanID, updateLoanJson(clientID, loanProductID, charges, null));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        disbursementDetail = loanSchedule.get(0);
+        validateCharge(flatDisbursement, loanCharges, "100.0", "100.0", "0.0", "0.0");
+        validateNumberForEqual("100.0", String.valueOf(disbursementDetail.get("feeChargesDue")));
+
+        this.loanTransactionHelper.deleteChargesForLoan(loanID, (Integer) getloanCharge(flatDisbursement, loanCharges).get("id"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        disbursementDetail = loanSchedule.get(0);
+        Assert.assertEquals(0, loanCharges.size());
+        validateNumberForEqual("0.0", String.valueOf(disbursementDetail.get("feeChargesDue")));
+
+    }
+
+    @Test
+    public void testLoanCharges_SPECIFIED_DUE_DATE_FEE() {
+        this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID);
+        final Integer loanProductID = createLoanProduct();
+
+        List<HashMap> charges = new ArrayList<HashMap>();
+        Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "100", false));
+        Integer flatAccTransfer = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateWithAccountTransferJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "100", false));
+
+        Integer amountPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT, "1", false));
+        addCharges(charges, amountPercentage, "1", "29 September 2011");
+        Integer amountPlusInterestPercentage = ChargesHelper
+                .createCharges(requestSpec, responseSpec, ChargesHelper.getLoanSpecifiedDueDateJSON(
+                        ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT_AND_INTEREST, "1", false));
+        addCharges(charges, amountPlusInterestPercentage, "1", "29 September 2011");
+        Integer interestPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_INTEREST, "1", false));
+        addCharges(charges, interestPercentage, "1", "29 September 2011");
+
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID, charges);
+        Assert.assertNotNull(loanID);
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        HashMap firstInstallment = loanSchedule.get(1);
+
+        List<HashMap> loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+
+        validateCharge(amountPercentage, loanCharges, "1.0", "120.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "1.0", "6.06", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "1.0", "126.06", "0.0", "0.0");
+
+        validateNumberForEqual("252.12", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flat), "29 September 2011", "100"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+
+        validateCharge(flat, loanCharges, "100.0", "100.0", "0.0", "0.0");
+        validateNumberForEqual("352.12", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(amountPercentage, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(interestPercentage, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(amountPlusInterestPercentage, loanCharges)
+                .get("id"), LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(flat, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("150"));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(amountPercentage, loanCharges, "2.0", "240.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "2.0", "12.12", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "2.0", "252.12", "0.0", "0.0");
+        validateCharge(flat, loanCharges, "150.0", "150.0", "0.0", "0.0");
+        validateNumberForEqual("654.24", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        final Integer savingsId = createSavings(clientID);
+        this.loanTransactionHelper.updateLoan(loanID,
+                updateLoanJson(clientID, loanProductID, copyChargesForUpdate(loanCharges, null, null), String.valueOf(savingsId)));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(amountPercentage, loanCharges, "2.0", "200.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "2.0", "10.1", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "2.0", "210.1", "0.0", "0.0");
+        validateCharge(flat, loanCharges, "150.0", "150.0", "0.0", "0.0");
+        validateNumberForEqual("570.2", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        this.loanTransactionHelper.updateLoan(loanID,
+                updateLoanJson(clientID, loanProductID, copyChargesForUpdate(loanCharges, flat, "1"), null));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(amountPercentage, loanCharges, "1.0", "100.0", "0.0", "0.0");
+        validateCharge(interestPercentage, loanCharges, "1.0", "5.05", "0.0", "0.0");
+        validateCharge(amountPlusInterestPercentage, loanCharges, "1.0", "105.05", "0.0", "0.0");
+        validateNumberForEqual("210.1", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        charges.clear();
+        addCharges(charges, flat, "100", "29 September 2011");
+        this.loanTransactionHelper.updateLoan(loanID, updateLoanJson(clientID, loanProductID, charges, null));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(flat, loanCharges, "100.0", "100.0", "0.0", "0.0");
+        validateNumberForEqual("100.0", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        this.loanTransactionHelper.deleteChargesForLoan(loanID, (Integer) getloanCharge(flat, loanCharges).get("id"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        Assert.assertEquals(0, loanCharges.size());
+        validateNumberForEqual("0", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        System.out.println("-----------------------------------APPROVE LOAN-----------------------------------------");
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan("20 September 2011", loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatAccTransfer), "29 September 2011", "100"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(flatAccTransfer, loanCharges, "100.0", "100.0", "0.0", "0.0");
+        validateNumberForEqual("100.0", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        // DISBURSE
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan("20 September 2011", loanID);
+        System.out.println("DISBURSE " + loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(amountPercentage), "29 September 2011", "1"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(amountPercentage, loanCharges, "1.0", "100.0", "0.0", "0.0");
+        validateCharge(flatAccTransfer, loanCharges, "100.0", "100.0", "0.0", "0.0");
+        validateNumberForEqual("200.0", String.valueOf(firstInstallment.get("feeChargesDue")));
+
+        this.loanTransactionHelper.waiveChargesForLoan(loanID, (Integer) getloanCharge(amountPercentage, loanCharges).get("id"), "");
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(amountPercentage, loanCharges, "1.0", "0.0", "0.0", "100.0");
+        validateCharge(flatAccTransfer, loanCharges, "100.0", "100.0", "0.0", "0.0");
+        validateNumberForEqual("200.0", String.valueOf(firstInstallment.get("feeChargesDue")));
+        validateNumberForEqual("100.0", String.valueOf(firstInstallment.get("feeChargesOutstanding")));
+        validateNumberForEqual("100.0", String.valueOf(firstInstallment.get("feeChargesWaived")));
+
+        this.loanTransactionHelper.payChargesForLoan(loanID, (Integer) getloanCharge(flatAccTransfer, loanCharges).get("id"),
+                LoanTransactionHelper.getPayChargeJSON(SavingsAccountHelper.TRANSACTION_DATE, null));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        firstInstallment = loanSchedule.get(1);
+        validateCharge(amountPercentage, loanCharges, "1.0", "0.0", "0.0", "100.0");
+        validateCharge(flatAccTransfer, loanCharges, "100.0", "0.0", "100.0", "0.0");
+        validateNumberForEqual("200.0", String.valueOf(firstInstallment.get("feeChargesDue")));
+        validateNumberForEqual("100.0", String.valueOf(firstInstallment.get("feeChargesWaived")));
+        validateNumberForEqual("100.0", String.valueOf(firstInstallment.get("feeChargesPaid")));
+        validateNumberForEqual("0.0", String.valueOf(firstInstallment.get("feeChargesOutstanding")));
+    }
+
+    @Test
+    public void testLoanCharges_INSTALMENT_FEE() {
+        this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID);
+        final Integer loanProductID = createLoanProduct();
+
+        List<HashMap> charges = new ArrayList<HashMap>();
+        Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanInstallmentJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "50", false));
+        Integer flatAccTransfer = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanInstallmentWithAccountTransferJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "50", false));
+
+        Integer amountPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanInstallmentJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT, "1", false));
+        addCharges(charges, amountPercentage, "1", "29 September 2011");
+        Integer amountPlusInterestPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanInstallmentJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT_AND_INTEREST, "1", false));
+        addCharges(charges, amountPlusInterestPercentage, "1", "29 September 2011");
+        Integer interestPercentage = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanInstallmentJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_INTEREST, "1", false));
+        addCharges(charges, interestPercentage, "1", "29 September 2011");
+
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID, charges);
+        Assert.assertNotNull(loanID);
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        List<HashMap> loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+
+        Float totalPerOfAmout = 0F;
+        Float totalPerOfAmoutPlusInt = 0F;
+        Float totalPerOfint = 0F;
+        for (HashMap installment : loanSchedule) {
+            Float principalDue = (Float) installment.get("principalDue");
+            Float interestDue = (Float) installment.get("interestDue");
+            Float principalFee = principalDue / 100;
+            Float interestFee = interestDue / 100;
+            Float totalInstallmentFee = (principalFee * 2) + (interestFee * 2);
+            validateNumberForEqualExcludePrecission(String.valueOf(totalInstallmentFee), String.valueOf(installment.get("feeChargesDue")));
+            totalPerOfAmout = totalPerOfAmout + principalFee;
+            totalPerOfAmoutPlusInt = totalPerOfAmoutPlusInt + principalFee + interestFee;
+            totalPerOfint = totalPerOfint + interestFee;
+        }
+
+        validateChargeExcludePrecission(amountPercentage, loanCharges, "1.0", String.valueOf(totalPerOfAmout), "0.0", "0.0");
+        validateChargeExcludePrecission(interestPercentage, loanCharges, "1.0", String.valueOf(totalPerOfint), "0.0", "0.0");
+        validateChargeExcludePrecission(amountPlusInterestPercentage, loanCharges, "1.0", String.valueOf(totalPerOfAmoutPlusInt), "0.0",
+                "0.0");
+
+        this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getInstallmentChargesForLoanAsJSON(String.valueOf(flat), "50"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        totalPerOfAmout = 0F;
+        totalPerOfAmoutPlusInt = 0F;
+        totalPerOfint = 0F;
+        for (HashMap installment : loanSchedule) {
+            Float principalDue = (Float) installment.get("principalDue");
+            Float interestDue = (Float) installment.get("interestDue");
+            Float principalFee = principalDue / 100;
+            Float interestFee = interestDue / 100;
+            Float totalInstallmentFee = (principalFee * 2) + (interestFee * 2) + 50;
+            validateNumberForEqualExcludePrecission(String.valueOf(totalInstallmentFee), String.valueOf(installment.get("feeChargesDue")));
+            totalPerOfAmout = totalPerOfAmout + principalFee;
+            totalPerOfAmoutPlusInt = totalPerOfAmoutPlusInt + principalFee + interestFee;
+            totalPerOfint = totalPerOfint + interestFee;
+        }
+
+        validateChargeExcludePrecission(amountPercentage, loanCharges, "1.0", String.valueOf(totalPerOfAmout), "0.0", "0.0");
+        validateChargeExcludePrecission(interestPercentage, loanCharges, "1.0", String.valueOf(totalPerOfint), "0.0", "0.0");
+        validateChargeExcludePrecission(amountPlusInterestPercentage, loanCharges, "1.0", String.valueOf(totalPerOfAmoutPlusInt), "0.0",
+                "0.0");
+        validateChargeExcludePrecission(flat, loanCharges, "50.0", "200", "0.0", "0.0");
+
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(amountPercentage, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(interestPercentage, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(amountPlusInterestPercentage, loanCharges)
+                .get("id"), LoanTransactionHelper.getUpdateChargesForLoanAsJSON("2"));
+        this.loanTransactionHelper.updateChargesForLoan(loanID, (Integer) getloanCharge(flat, loanCharges).get("id"),
+                LoanTransactionHelper.getUpdateChargesForLoanAsJSON("100"));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        totalPerOfAmout = 0F;
+        totalPerOfAmoutPlusInt = 0F;
+        totalPerOfint = 0F;
+        for (HashMap installment : loanSchedule) {
+            Float principalDue = (Float) installment.get("principalDue");
+            Float interestDue = (Float) installment.get("interestDue");
+            Float principalFee = principalDue * 2 / 100;
+            Float interestFee = interestDue * 2 / 100;
+            Float totalInstallmentFee = (principalFee * 2) + (interestFee * 2) + 100;
+            validateNumberForEqualExcludePrecission(String.valueOf(totalInstallmentFee), String.valueOf(installment.get("feeChargesDue")));
+            totalPerOfAmout = totalPerOfAmout + principalFee;
+            totalPerOfAmoutPlusInt = totalPerOfAmoutPlusInt + principalFee + interestFee;
+            totalPerOfint = totalPerOfint + interestFee;
+        }
+
+        validateChargeExcludePrecission(amountPercentage, loanCharges, "2.0", String.valueOf(totalPerOfAmout), "0.0", "0.0");
+        validateChargeExcludePrecission(interestPercentage, loanCharges, "2.0", String.valueOf(totalPerOfint), "0.0", "0.0");
+        validateChargeExcludePrecission(amountPlusInterestPercentage, loanCharges, "2.0", String.valueOf(totalPerOfAmoutPlusInt), "0.0",
+                "0.0");
+        validateChargeExcludePrecission(flat, loanCharges, "100.0", "400", "0.0", "0.0");
+
+        final Integer savingsId = createSavings(clientID);
+        this.loanTransactionHelper.updateLoan(loanID,
+                updateLoanJson(clientID, loanProductID, copyChargesForUpdate(loanCharges, null, null), String.valueOf(savingsId)));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        totalPerOfAmout = 0F;
+        totalPerOfAmoutPlusInt = 0F;
+        totalPerOfint = 0F;
+        for (HashMap installment : loanSchedule) {
+            Float principalDue = (Float) installment.get("principalDue");
+            Float interestDue = (Float) installment.get("interestDue");
+            Float principalFee = principalDue * 2 / 100;
+            Float interestFee = interestDue * 2 / 100;
+            Float totalInstallmentFee = (principalFee * 2) + (interestFee * 2) + 100;
+            validateNumberForEqualExcludePrecission(String.valueOf(totalInstallmentFee), String.valueOf(installment.get("feeChargesDue")));
+            totalPerOfAmout = totalPerOfAmout + principalFee;
+            totalPerOfAmoutPlusInt = totalPerOfAmoutPlusInt + principalFee + interestFee;
+            totalPerOfint = totalPerOfint + interestFee;
+        }
+
+        validateChargeExcludePrecission(amountPercentage, loanCharges, "2.0", String.valueOf(totalPerOfAmout), "0.0", "0.0");
+        validateChargeExcludePrecission(interestPercentage, loanCharges, "2.0", String.valueOf(totalPerOfint), "0.0", "0.0");
+        validateChargeExcludePrecission(amountPlusInterestPercentage, loanCharges, "2.0", String.valueOf(totalPerOfAmoutPlusInt), "0.0",
+                "0.0");
+        validateChargeExcludePrecission(flat, loanCharges, "100.0", "400", "0.0", "0.0");
+
+        this.loanTransactionHelper.updateLoan(loanID,
+                updateLoanJson(clientID, loanProductID, copyChargesForUpdate(loanCharges, flat, "1"), null));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        totalPerOfAmout = 0F;
+        totalPerOfAmoutPlusInt = 0F;
+        totalPerOfint = 0F;
+        for (HashMap installment : loanSchedule) {
+            Float principalDue = (Float) installment.get("principalDue");
+            Float interestDue = (Float) installment.get("interestDue");
+            Float principalFee = principalDue / 100;
+            Float interestFee = interestDue / 100;
+            Float totalInstallmentFee = (principalFee * 2) + (interestFee * 2);
+            validateNumberForEqualExcludePrecission(String.valueOf(totalInstallmentFee), String.valueOf(installment.get("feeChargesDue")));
+            totalPerOfAmout = totalPerOfAmout + principalFee;
+            totalPerOfAmoutPlusInt = totalPerOfAmoutPlusInt + principalFee + interestFee;
+            totalPerOfint = totalPerOfint + interestFee;
+        }
+
+        validateChargeExcludePrecission(amountPercentage, loanCharges, "1.0", String.valueOf(totalPerOfAmout), "0.0", "0.0");
+        validateChargeExcludePrecission(interestPercentage, loanCharges, "1.0", String.valueOf(totalPerOfint), "0.0", "0.0");
+        validateChargeExcludePrecission(amountPlusInterestPercentage, loanCharges, "1.0", String.valueOf(totalPerOfAmoutPlusInt), "0.0",
+                "0.0");
+
+        charges.clear();
+        addCharges(charges, flat, "50", "29 September 2011");
+        this.loanTransactionHelper.updateLoan(loanID, updateLoanJson(clientID, loanProductID, charges, null));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        for (HashMap installment : loanSchedule) {
+            validateNumberForEqualExcludePrecission("50", String.valueOf(installment.get("feeChargesDue")));
+        }
+        validateChargeExcludePrecission(flat, loanCharges, "50.0", "200", "0.0", "0.0");
+
+        this.loanTransactionHelper.deleteChargesForLoan(loanID, (Integer) getloanCharge(flat, loanCharges).get("id"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        for (HashMap installment : loanSchedule) {
+            validateNumberForEqualExcludePrecission("0", String.valueOf(installment.get("feeChargesDue")));
+        }
+
+        System.out.println("-----------------------------------APPROVE LOAN-----------------------------------------");
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan("20 September 2011", loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getInstallmentChargesForLoanAsJSON(String.valueOf(flatAccTransfer), "100"));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        for (HashMap installment : loanSchedule) {
+            validateNumberForEqualExcludePrecission("100", String.valueOf(installment.get("feeChargesDue")));
+        }
+        validateChargeExcludePrecission(flatAccTransfer, loanCharges, "100.0", "400", "0.0", "0.0");
+
+        // DISBURSE
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan("20 September 2011", loanID);
+        System.out.println("DISBURSE " + loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getInstallmentChargesForLoanAsJSON(String.valueOf(flat), "50"));
+
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        for (HashMap installment : loanSchedule) {
+            validateNumberForEqualExcludePrecission("150", String.valueOf(installment.get("feeChargesDue")));
+        }
+        validateChargeExcludePrecission(flatAccTransfer, loanCharges, "100.0", "400", "0.0", "0.0");
+        validateChargeExcludePrecission(flat, loanCharges, "50.0", "200", "0.0", "0.0");
+
+        Integer waivePeriodnum = 1;
+        this.loanTransactionHelper.waiveChargesForLoan(loanID, (Integer) getloanCharge(flat, loanCharges).get("id"),
+                LoanTransactionHelper.getWaiveChargeJSON(String.valueOf(waivePeriodnum)));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        for (HashMap installment : loanSchedule) {
+            validateNumberForEqualExcludePrecission("150", String.valueOf(installment.get("feeChargesDue")));
+            if (waivePeriodnum == installment.get("period")) {
+                validateNumberForEqualExcludePrecission("100.0", String.valueOf(installment.get("feeChargesOutstanding")));
+                validateNumberForEqualExcludePrecission("50.0", String.valueOf(installment.get("feeChargesWaived")));
+            } else {
+                validateNumberForEqualExcludePrecission("150.0", String.valueOf(installment.get("feeChargesOutstanding")));
+                validateNumberForEqualExcludePrecission("0.0", String.valueOf(installment.get("feeChargesWaived")));
+
+            }
+        }
+        validateChargeExcludePrecission(flatAccTransfer, loanCharges, "100.0", "400", "0.0", "0.0");
+        validateChargeExcludePrecission(flat, loanCharges, "50.0", "150", "0.0", "50.0");
+
+        Integer payPeriodnum = 2;
+        this.loanTransactionHelper.payChargesForLoan(loanID, (Integer) getloanCharge(flatAccTransfer, loanCharges).get("id"),
+                LoanTransactionHelper.getPayChargeJSON(SavingsAccountHelper.TRANSACTION_DATE, String.valueOf(payPeriodnum)));
+        loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        loanSchedule.remove(0);
+        for (HashMap installment : loanSchedule) {
+            validateNumberForEqualExcludePrecission("150", String.valueOf(installment.get("feeChargesDue")));
+            if (payPeriodnum == installment.get("period")) {
+                validateNumberForEqualExcludePrecission("50.0", String.valueOf(installment.get("feeChargesOutstanding")));
+                validateNumberForEqualExcludePrecission("100.0", String.valueOf(installment.get("feeChargesPaid")));
+            } else if (waivePeriodnum == installment.get("period")) {
+                validateNumberForEqualExcludePrecission("100.0", String.valueOf(installment.get("feeChargesOutstanding")));
+                validateNumberForEqualExcludePrecission("50.0", String.valueOf(installment.get("feeChargesWaived")));
+            } else {
+                validateNumberForEqualExcludePrecission("150.0", String.valueOf(installment.get("feeChargesOutstanding")));
+                validateNumberForEqualExcludePrecission("0.0", String.valueOf(installment.get("feeChargesPaid")));
+
+            }
+        }
+        validateChargeExcludePrecission(flatAccTransfer, loanCharges, "100.0", "300", "100.0", "0.0");
+        validateChargeExcludePrecission(flat, loanCharges, "50.0", "150", "0.0", "50.0");
+
+    }
+
+    private void validateCharge(Integer amountPercentage, final List<HashMap> loanCharges, final String amount, final String outstanding,
+            String amountPaid, String amountWaived) {
+        HashMap chargeDetail = getloanCharge(amountPercentage, loanCharges);
+        Assert.assertTrue(new Float(amount).compareTo(new Float(String.valueOf(chargeDetail.get("amountOrPercentage")))) == 0);
+        Assert.assertTrue(new Float(outstanding).compareTo(new Float(String.valueOf(chargeDetail.get("amountOutstanding")))) == 0);
+        Assert.assertTrue(new Float(amountPaid).compareTo(new Float(String.valueOf(chargeDetail.get("amountPaid")))) == 0);
+        Assert.assertTrue(new Float(amountWaived).compareTo(new Float(String.valueOf(chargeDetail.get("amountWaived")))) == 0);
+    }
+
+    private void validateChargeExcludePrecission(Integer amountPercentage, final List<HashMap> loanCharges, final String amount,
+            final String outstanding, String amountPaid, String amountWaived) {
+        DecimalFormat twoDForm = new DecimalFormat("#");
+        HashMap chargeDetail = getloanCharge(amountPercentage, loanCharges);
+        Assert.assertTrue(new Float(twoDForm.format(new Float(amount))).compareTo(new Float(twoDForm.format(new Float(String
+                .valueOf(chargeDetail.get("amountOrPercentage")))))) == 0);
+        Assert.assertTrue(new Float(twoDForm.format(new Float(outstanding))).compareTo(new Float(twoDForm.format(new Float(String
+                .valueOf(chargeDetail.get("amountOutstanding")))))) == 0);
+        Assert.assertTrue(new Float(twoDForm.format(new Float(amountPaid))).compareTo(new Float(twoDForm.format(new Float(String
+                .valueOf(chargeDetail.get("amountPaid")))))) == 0);
+        Assert.assertTrue(new Float(twoDForm.format(new Float(amountWaived))).compareTo(new Float(twoDForm.format(new Float(String
+                .valueOf(chargeDetail.get("amountWaived")))))) == 0);
+    }
+
+    public void validateNumberForEqual(String val, String val2) {
+        Assert.assertTrue(new Float(val).compareTo(new Float(val2)) == 0);
+    }
+
+    public void validateNumberForEqualExcludePrecission(String val, String val2) {
+        DecimalFormat twoDForm = new DecimalFormat("#");
+        Assert.assertTrue(new Float(twoDForm.format(new Float(val))).compareTo(new Float(twoDForm.format(new Float(val2)))) == 0);
+    }
+
    private Integer createLoanProduct() {
        System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
        final String loanProductJSON = new LoanProductTestBuilder() //
@@ -68,7 +641,7 @@ public class ClientLoanIntegrationTest {
        return this.loanTransactionHelper.getLoanProductId(loanProductJSON);
    }

-    private Integer applyForLoanApplication(final Integer clientID, final Integer loanProductID) {
+    private Integer applyForLoanApplication(final Integer clientID, final Integer loanProductID, List<HashMap> charges) {
        System.out.println("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
        final String loanApplicationJSON = new LoanApplicationTestBuilder() //
                .withPrincipal("12,000.00") //
@@ -83,10 +656,29 @@ public class ClientLoanIntegrationTest {
                .withInterestCalculationPeriodTypeSameAsRepaymentPeriod() //
                .withExpectedDisbursementDate("20 September 2011") //
                .withSubmittedOnDate("20 September 2011") //
-                .build(clientID.toString(), loanProductID.toString(), null);
+                .withCharges(charges).build(clientID.toString(), loanProductID.toString(), null);
        return this.loanTransactionHelper.getLoanId(loanApplicationJSON);
    }

+    private String updateLoanJson(final Integer clientID, final Integer loanProductID, List<HashMap> charges, String savingsId) {
+        System.out.println("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
+        final String loanApplicationJSON = new LoanApplicationTestBuilder() //
+                .withPrincipal("10,000.00") //
+                .withLoanTermFrequency("4") //
+                .withLoanTermFrequencyAsMonths() //
+                .withNumberOfRepayments("4") //
+                .withRepaymentEveryAfter("1") //
+                .withRepaymentFrequencyTypeAsMonths() //
+                .withInterestRatePerPeriod("2") //
+                .withAmortizationTypeAsEqualInstallments() //
+                .withInterestTypeAsDecliningBalance() //
+                .withInterestCalculationPeriodTypeSameAsRepaymentPeriod() //
+                .withExpectedDisbursementDate("20 September 2011") //
+                .withSubmittedOnDate("20 September 2011") //
+                .withCharges(charges).build(clientID.toString(), loanProductID.toString(), savingsId);
+        return loanApplicationJSON;
+    }
+
    private void verifyLoanRepaymentSchedule(final ArrayList<HashMap> loanSchedule) {
        System.out.println("--------------------VERIFYING THE PRINCIPAL DUES,INTEREST DUE AND DUE DATE--------------------------");

@@ -110,4 +702,86 @@ public class ClientLoanIntegrationTest {
        assertEquals("Checking for Principal Due for 4th Month", new Float("3089.7"), loanSchedule.get(4).get("principalDue"));
        assertEquals("Checking for Interest Due for 4th Month", new Float("61.79"), loanSchedule.get(4).get("interestOriginalDue"));
    }
+
+    private void addCharges(List<HashMap> charges, Integer chargeId, String amount, String duedate) {
+        charges.add(charges(chargeId, amount, duedate));
+    }
+
+    private HashMap charges(Integer chargeId, String amount, String duedate) {
+        HashMap charge = new HashMap(2);
+        charge.put("chargeId", chargeId.toString());
+        charge.put("amount", amount);
+        if (duedate != null) {
+            charge.put("dueDate", duedate);
+        }
+        return charge;
+    }
+
+    private HashMap getloanCharge(Integer chargeId, List<HashMap> charges) {
+        HashMap charge = null;
+        for (HashMap loancharge : charges) {
+            if (loancharge.get("chargeId").equals(chargeId)) {
+                charge = loancharge;
+            }
+        }
+        return charge;
+    }
+
+    private List<HashMap> copyChargesForUpdate(List<HashMap> charges, Integer deleteWithChargeId, String amount) {
+        List<HashMap> loanCharges = new ArrayList<HashMap>();
+        for (HashMap charge : charges) {
+            if (!charge.get("chargeId").equals(deleteWithChargeId)) {
+                loanCharges.add(copyForUpdate(charge, amount));
+            }
+        }
+        return loanCharges;
+    }
+
+    private HashMap copyForUpdate(HashMap charge, String amount) {
+        HashMap map = new HashMap();
+        map.put("id", charge.get("id"));
+        if (amount == null) {
+            map.put("amount", charge.get("amountOrPercentage"));
+        } else {
+            map.put("amount", amount);
+        }
+        if (charge.get("dueDate") != null) {
+            map.put("dueDate", charge.get("dueDate"));
+        }
+        map.put("chargeId", charge.get("chargeId"));
+        return map;
+    }
+
+    private Integer createSavings(Integer clientID) {
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE);
+        Assert.assertNotNull(savingsProductID);
+
+        SavingsAccountHelper savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec);
+
+        final Integer savingsId = savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
+        Assert.assertNotNull(savingsProductID);
+
+        HashMap savingsStatusHashMap = SavingsStatusChecker.getStatusOfSavings(this.requestSpec, this.responseSpec, savingsId);
+        SavingsStatusChecker.verifySavingsIsPending(savingsStatusHashMap);
+
+        savingsStatusHashMap = savingsAccountHelper.approveSavings(savingsId);
+        SavingsStatusChecker.verifySavingsIsApproved(savingsStatusHashMap);
+
+        savingsStatusHashMap = savingsAccountHelper.activateSavings(savingsId);
+        SavingsStatusChecker.verifySavingsIsActive(savingsStatusHashMap);
+        return savingsId;
+    }
+
+    private Integer createSavingsProduct(final RequestSpecification requestSpec, final ResponseSpecification responseSpec,
+            final String minOpenningBalance) {
+        System.out.println("------------------------------CREATING NEW SAVINGS PRODUCT ---------------------------------------");
+        SavingsProductHelper savingsProductHelper = new SavingsProductHelper();
+        final String savingsProductJSON = savingsProductHelper //
+                .withInterestCompoundingPeriodTypeAsDaily() //
+                .withInterestPostingPeriodTypeAsMonthly() //
+                .withInterestCalculationPeriodTypeAsDailyBalance() //
+                .withMinimumOpenningBalance(minOpenningBalance).build();
+        return SavingsProductHelper.createSavingsProduct(savingsProductJSON, requestSpec, responseSpec);
+    }
+
 }
@@ -29,10 +29,10 @@ public class ChargesHelper {
    private static final Integer CHARGE_OVERDUE_INSTALLMENT_FEE = 9;
    private static final Integer CHARGE_OVERDRAFT_FEE = 10;

-    private static final Integer CHARGE_CALCULATION_TYPE_FLAT = 1;
-    private static final Integer CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT = 2;
-    private static final Integer CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT_AND_INTEREST = 3;
-    private static final Integer CHARGE_CALCULATION_TYPE_PERCENTAGE_INTEREST = 4;
+    public static final Integer CHARGE_CALCULATION_TYPE_FLAT = 1;
+    public static final Integer CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT = 2;
+    public static final Integer CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT_AND_INTEREST = 3;
+    public static final Integer CHARGE_CALCULATION_TYPE_PERCENTAGE_INTEREST = 4;

    private static final Integer CHARGE_PAYMENT_MODE_REGULAR = 0;
    private static final Integer CHARGE_PAYMENT_MODE_ACCOUNT_TRANSFER = 1;
@@ -115,42 +115,76 @@ public class ChargesHelper {
    }

    public static String getLoanDisbursementJSON() {
+        return getLoanDisbursementJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, ChargesHelper.amount);
+    }
+
+    public static String getLoanDisbursementJSON(final Integer chargeCalculationType, final String amount) {
        final HashMap<String, Object> map = populateDefaultsForLoan();
        map.put("chargeTimeType", CHARGE_DISBURSEMENT_FEE);
        map.put("chargePaymentMode", ChargesHelper.CHARGE_PAYMENT_MODE_REGULAR);
+        map.put("amount", amount);
+        map.put("chargeCalculationType", chargeCalculationType);
        String chargesCreateJson = new Gson().toJson(map);
        System.out.println(chargesCreateJson);
        return chargesCreateJson;
    }

    public static String getLoanSpecifiedDueDateJSON() {
+        return getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, ChargesHelper.amount, ChargesHelper.penalty);
+    }
+
+    public static String getLoanSpecifiedDueDateJSON(final Integer chargeCalculationType, final String amount, boolean penalty) {
+        return getLoanSpecifiedDueDateJSON(chargeCalculationType, amount, penalty, ChargesHelper.CHARGE_PAYMENT_MODE_REGULAR);
+    }
+
+    public static String getLoanSpecifiedDueDateJSON(final Integer chargeCalculationType, final String amount, final boolean penalty,
+            final Integer paymentMode) {
        final HashMap<String, Object> map = populateDefaultsForLoan();
        map.put("chargeTimeType", CHARGE_SPECIFIED_DUE_DATE);
-        map.put("chargePaymentMode", ChargesHelper.CHARGE_PAYMENT_MODE_REGULAR);
-        map.put("penalty", ChargesHelper.penalty);
+        map.put("chargePaymentMode", paymentMode);
+        map.put("penalty", penalty);
+        map.put("amount", amount);
+        map.put("chargeCalculationType", chargeCalculationType);
+
        String chargesCreateJson = new Gson().toJson(map);
        System.out.println(chargesCreateJson);
        return chargesCreateJson;
    }

+    public static String getLoanSpecifiedDueDateWithAccountTransferJSON(final Integer chargeCalculationType, final String amount,
+            boolean penalty) {
+        return getLoanSpecifiedDueDateJSON(chargeCalculationType, amount, penalty, ChargesHelper.CHARGE_PAYMENT_MODE_ACCOUNT_TRANSFER);
+    }
+
    public static String getLoanSpecifiedDueDateWithAccountTransferJSON() {
+        return getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, ChargesHelper.amount, ChargesHelper.penalty,
+                ChargesHelper.CHARGE_PAYMENT_MODE_ACCOUNT_TRANSFER);
+    }
+
+    public static String getLoanInstallmentJSON(final Integer chargeCalculationType, final String amount, boolean penalty) {
+        return getLoanInstallmentJSON(chargeCalculationType, amount, penalty, ChargesHelper.CHARGE_PAYMENT_MODE_REGULAR);
+    }
+
+    public static String getLoanInstallmentJSON(final Integer chargeCalculationType, final String amount, final boolean penalty,
+            final Integer paymentMode) {
        final HashMap<String, Object> map = populateDefaultsForLoan();
-        map.put("chargeTimeType", CHARGE_SPECIFIED_DUE_DATE);
-        map.put("penalty", ChargesHelper.penalty);
-        map.put("chargePaymentMode", ChargesHelper.CHARGE_PAYMENT_MODE_ACCOUNT_TRANSFER);
+        map.put("chargeTimeType", CHARGE_INSTALLMENT_FEE);
+        map.put("chargePaymentMode", paymentMode);
+        map.put("penalty", penalty);
+        map.put("amount", amount);
+        map.put("chargeCalculationType", chargeCalculationType);
+
        String chargesCreateJson = new Gson().toJson(map);
        System.out.println(chargesCreateJson);
        return chargesCreateJson;
    }

+    public static String getLoanInstallmentWithAccountTransferJSON(final Integer chargeCalculationType, final String amount, boolean penalty) {
+        return getLoanInstallmentJSON(chargeCalculationType, amount, penalty, ChargesHelper.CHARGE_PAYMENT_MODE_ACCOUNT_TRANSFER);
+    }
+
    public static String getLoanInstallmentFeeJSON() {
-        final HashMap<String, Object> map = populateDefaultsForLoan();
-        map.put("chargeTimeType", CHARGE_INSTALLMENT_FEE);
-        map.put("chargePaymentMode", ChargesHelper.CHARGE_PAYMENT_MODE_REGULAR);
-        map.put("penalty", ChargesHelper.penalty);
-        String chargesCreateJson = new Gson().toJson(map);
-        System.out.println(chargesCreateJson);
-        return chargesCreateJson;
+        return getLoanInstallmentJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, ChargesHelper.amount, ChargesHelper.penalty);
    }

    public static String getLoanOverdueFeeJSON() {
@@ -1,6 +1,9 @@
 package org.mifosplatform.integrationtests.common.loans;

+import java.util.ArrayList;
 import java.util.HashMap;
+import java.util.List;
+import java.util.Map;

 import com.google.gson.Gson;

@@ -32,10 +35,11 @@ public class LoanApplicationTestBuilder {
    private String expectedDisbursmentDate = "";
    private String submittedOnDate = "";
    private String loanType = "individual";
+    private List<HashMap> charges = new ArrayList<HashMap>();

    public String build(final String ID, final String loanProductId, final String savingsID) {

-        final HashMap<String, String> map = new HashMap<String, String>();
+        final HashMap<String, Object> map = new HashMap<String, Object>();
        map.put("dateFormat", "dd MMMM yyyy");
        map.put("locale", "en_GB");
        if (this.loanType == "group") {
@@ -58,6 +62,9 @@ public class LoanApplicationTestBuilder {
        map.put("expectedDisbursementDate", this.expectedDisbursmentDate);
        map.put("submittedOnDate", this.submittedOnDate);
        map.put("loanType", this.loanType);
+        if (charges != null) {
+            map.put("charges", charges);
+        }
        if (savingsID != null) {
            map.put("linkAccountId", savingsID);
        }
@@ -164,6 +171,11 @@ public class LoanApplicationTestBuilder {
        return this;
    }

+    public LoanApplicationTestBuilder withCharges(final List<HashMap> charges) {
+        this.charges = charges;
+        return this;
+    }
+
    public LoanApplicationTestBuilder withLoanType(final String loanType) {
        this.loanType = loanType;
        return this;
@@ -41,6 +41,11 @@ public class LoanTransactionHelper {
        return Utils.performServerPost(this.requestSpec, this.responseSpec, APPLY_LOAN_URL, loanApplicationJSON, "loanId");
    }

+    public Integer updateLoan(final Integer id, final String loanApplicationJSON) {
+        return Utils.performServerPut(this.requestSpec, this.responseSpec, "/mifosng-provider/api/v1/loans/" + id
+                + "?tenantIdentifier=default", loanApplicationJSON, "loanId");
+    }
+
    public ArrayList getLoanRepaymentSchedule(final RequestSpecification requestSpec, final ResponseSpecification responseSpec,
            final Integer loanID) {
        final String URL = "/mifosng-provider/api/v1/loans/" + loanID + "?associations=repaymentSchedule&tenantIdentifier=default";
@@ -106,11 +111,43 @@ public class LoanTransactionHelper {

    public Integer addChargesForLoan(final Integer loanId, final String request) {
        System.out.println("--------------------------------- ADD CHARGES FOR LOAN --------------------------------");
-        final String ADD_CHARGES_URL = "/mifosng-provider/api/v1/loans/" + loanId + "/charges";
+        final String ADD_CHARGES_URL = "/mifosng-provider/api/v1/loans/" + loanId + "/charges?tenantIdentifier=default";
        final HashMap response = Utils.performServerPost(requestSpec, responseSpec, ADD_CHARGES_URL, request, "");
        return (Integer) response.get("resourceId");
    }

+    public Integer updateChargesForLoan(final Integer loanId, final Integer loanchargeId, final String request) {
+        System.out.println("--------------------------------- ADD CHARGES FOR LOAN --------------------------------");
+        final String UPDATE_CHARGES_URL = "/mifosng-provider/api/v1/loans/" + loanId + "/charges/" + loanchargeId
+                + "?tenantIdentifier=default";
+        final HashMap response = Utils.performServerPut(requestSpec, responseSpec, UPDATE_CHARGES_URL, request, "");
+        return (Integer) response.get("resourceId");
+    }
+
+    public Integer deleteChargesForLoan(final Integer loanId, final Integer loanchargeId) {
+        System.out.println("--------------------------------- DELETE CHARGES FOR LOAN --------------------------------");
+        final String DELETE_CHARGES_URL = "/mifosng-provider/api/v1/loans/" + loanId + "/charges/" + loanchargeId
+                + "?tenantIdentifier=default";
+        final HashMap response = Utils.performServerDelete(requestSpec, responseSpec, DELETE_CHARGES_URL, "");
+        return (Integer) response.get("resourceId");
+    }
+
+    public Integer waiveChargesForLoan(final Integer loanId, final Integer loanchargeId, final String json) {
+        System.out.println("--------------------------------- WAIVE CHARGES FOR LOAN --------------------------------");
+        final String CHARGES_URL = "/mifosng-provider/api/v1/loans/" + loanId + "/charges/" + loanchargeId
+                + "?command=waive&tenantIdentifier=default";
+        final HashMap response = Utils.performServerPost(requestSpec, responseSpec, CHARGES_URL, json, "");
+        return (Integer) response.get("resourceId");
+    }
+
+    public Integer payChargesForLoan(final Integer loanId, final Integer loanchargeId, final String json) {
+        System.out.println("--------------------------------- WAIVE CHARGES FOR LOAN --------------------------------");
+        final String CHARGES_URL = "/mifosng-provider/api/v1/loans/" + loanId + "/charges/" + loanchargeId
+                + "?command=pay&tenantIdentifier=default";
+        final HashMap response = Utils.performServerPost(requestSpec, responseSpec, CHARGES_URL, json, "");
+        return (Integer) response.get("resourceId");
+    }
+
    private String getDisburseLoanAsJSON(final String actualDisbursementDate) {
        final HashMap<String, String> map = new HashMap<String, String>();
        map.put("locale", "en");
@@ -169,11 +206,15 @@ public class LoanTransactionHelper {
    }

    public static String getSpecifiedDueDateChargesForLoanAsJSON(final String chargeId) {
+        return getSpecifiedDueDateChargesForLoanAsJSON(chargeId, "12 January 2013", "100");
+    }
+
+    public static String getSpecifiedDueDateChargesForLoanAsJSON(final String chargeId, final String dueDate, final String amount) {
        final HashMap<String, String> map = new HashMap<String, String>();
        map.put("locale", "en_GB");
        map.put("dateFormat", "dd MMMM yyyy");
-        map.put("amount", "100");
-        map.put("dueDate", "12 January 2013");
+        map.put("amount", amount);
+        map.put("dueDate", dueDate);
        map.put("chargeId", chargeId);
        String json = new Gson().toJson(map);
        System.out.println(json);
@@ -181,16 +222,63 @@ public class LoanTransactionHelper {
    }

    public static String getDisbursementChargesForLoanAsJSON(final String chargeId) {
+        return getDisbursementChargesForLoanAsJSON(chargeId, "100");
+    }
+
+    public static String getDisbursementChargesForLoanAsJSON(final String chargeId, String amount) {
        final HashMap<String, String> map = new HashMap<String, String>();
        map.put("locale", "en_GB");
        map.put("dateFormat", "dd MMMM yyyy");
-        map.put("amount", "100");
+        map.put("amount", amount);
        map.put("chargeId", chargeId);
        String json = new Gson().toJson(map);
        System.out.println(json);
        return json;
    }

+    public static String getInstallmentChargesForLoanAsJSON(final String chargeId, final String amount) {
+        final HashMap<String, String> map = new HashMap<String, String>();
+        map.put("locale", "en_GB");
+        map.put("dateFormat", "dd MMMM yyyy");
+        map.put("amount", amount);
+        map.put("chargeId", chargeId);
+        String json = new Gson().toJson(map);
+        System.out.println(json);
+        return json;
+    }
+
+    public static String getUpdateChargesForLoanAsJSON(String amount) {
+        final HashMap<String, String> map = new HashMap<String, String>();
+        map.put("locale", "en_GB");
+        map.put("dateFormat", "dd MMMM yyyy");
+        map.put("amount", amount);
+        String json = new Gson().toJson(map);
+        System.out.println(json);
+        return json;
+    }
+
+    public static String getPayChargeJSON(final String date, final String installmentNumber) {
+        final HashMap<String, String> map = new HashMap<String, String>();
+        map.put("locale", "en_GB");
+        map.put("dateFormat", "dd MMMM yyyy");
+        map.put("transactionDate", date);
+        if (installmentNumber != null) {
+            map.put("installmentNumber", installmentNumber);
+        }
+        String json = new Gson().toJson(map);
+        System.out.println(json);
+        return json;
+    }
+
+    public static String getWaiveChargeJSON(final String installmentNumber) {
+        final HashMap<String, String> map = new HashMap<String, String>();
+        map.put("locale", "en_GB");
+        map.put("installmentNumber", installmentNumber);
+        String json = new Gson().toJson(map);
+        System.out.println(json);
+        return json;
+    }
+
    public String getLoanCalculationBodyAsJSON(final String productID) {
        final HashMap<String, String> map = new HashMap<String, String>();
        map.put("dateFormat", "dd MMMM yyyy");
@@ -215,7 +215,7 @@ public class SavingsAccountHelper {
        final HashMap<String, String> map = new HashMap<String, String>();
        map.put("locale", CommonConstants.locale);
        map.put("dateFormat", CommonConstants.dateFormat);
-        map.put("activatedOnDate", "01 March 2013");
+        map.put("activatedOnDate", TRANSACTION_DATE);
        String savingsAccountActivateJson = new Gson().toJson(map);
        System.out.println(savingsAccountActivateJson);
        return savingsAccountActivateJson;