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FINERACT-1968: Added e2e test for validation of progressive Loan schedule handling - (FLAT interest, Same as repayment period, Equal installments)

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mariiaKraievska
2025-07-09 14:39:18 +02:00
committed by Adam Saghy
parent 40f8b59ab4
commit 68b2fcb7e1
4 changed files with 982 additions and 9 deletions
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fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature
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@@ -8824,3 +8824,811 @@ Feature: EMI calculation and repayment schedule checks for interest bearing loan
And Customer makes "AUTOPAY" repayment on "22 March 2024" with 101.74 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
@TestRailId:C3830
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = true, actual/actual, second disbursement in the middle of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "15 July 2024"
When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | | 457.77 | 458.9 | 11.37 | 0.0 | 0.0 | 470.27 | 0.0 | 0.0 | 0.0 | 470.27 |
| 3 | 31 | 01 September 2024 | | 0.0 | 457.77 | 12.5 | 0.0 | 0.0 | 470.27 | 0.0 | 0.0 | 0.0 | 470.27 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 33.87 | 0.0 | 0.0 | 1283.87 | 0.0 | 0.0 | 0.0 | 1283.87 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "15 July 2024" with 813.6 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 July 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | 15 July 2024 | 457.77 | 458.9 | 11.37 | 0.0 | 0.0 | 470.27 | 470.27 | 470.27 | 0.0 | 0.0 |
| 3 | 31 | 01 September 2024 | | 0.0 | 457.77 | 12.5 | 0.0 | 0.0 | 470.27 | 0.0 | 0.0 | 0.0 | 470.27 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 33.87 | 0.0 | 0.0 | 1283.87 | 813.6 | 470.27 | 343.33 | 470.27 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 15 July 2024 | Repayment | 813.6 | 792.23 | 21.37 | 0.0 | 0.0 | 457.77 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 792.23 |
| ASSET | 112603 | Interest/Fee Receivable | | 21.37 |
| LIABILITY | 145023 | Suspense/Clearing account | 813.6 | |
When Customer makes a repayment undo on "15 July 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 July 2024 | Repayment | 813.6 | 792.23 | 21.37 | 0.0 | 0.0 | 457.77 | true | false |
@TestRailId:C3831
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = true, actual/actual, second disbursement on the due date of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "01 August 2024"
When Admin successfully disburse the loan on "01 August 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 0.0 | 0.0 | 0.0 | 595.84 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 0.0 | 0.0 | 0.0 | 1282.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "01 August 2024" with 1282.5 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 01 August 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| 2 | 31 | 01 August 2024 | 01 August 2024 | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 0.0 | 0.0 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | 01 August 2024 | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 595.84 | 595.84 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 1282.5 | 595.84 | 343.33 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 1250.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 32.5 |
| LIABILITY | 145023 | Suspense/Clearing account | 1282.5 | |
When Customer makes a repayment undo on "01 August 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | true | false |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3832
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = true, 360/30, second disbursement in the middle of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_360_30_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "15 July 2024"
When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | | 457.77 | 458.9 | 11.37 | 0.0 | 0.0 | 470.27 | 0.0 | 0.0 | 0.0 | 470.27 |
| 3 | 31 | 01 September 2024 | | 0.0 | 457.77 | 12.5 | 0.0 | 0.0 | 470.27 | 0.0 | 0.0 | 0.0 | 470.27 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 33.87 | 0.0 | 0.0 | 1283.87 | 0.0 | 0.0 | 0.0 | 1283.87 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "15 July 2024" with 813.6 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 July 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | 15 July 2024 | 457.77 | 458.9 | 11.37 | 0.0 | 0.0 | 470.27 | 470.27 | 470.27 | 0.0 | 0.0 |
| 3 | 31 | 01 September 2024 | | 0.0 | 457.77 | 12.5 | 0.0 | 0.0 | 470.27 | 0.0 | 0.0 | 0.0 | 470.27 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 33.87 | 0.0 | 0.0 | 1283.87 | 813.6 | 470.27 | 343.33 | 470.27 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 15 July 2024 | Repayment | 813.6 | 792.23 | 21.37 | 0.0 | 0.0 | 457.77 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 792.23 |
| ASSET | 112603 | Interest/Fee Receivable | | 21.37 |
| LIABILITY | 145023 | Suspense/Clearing account | 813.6 | |
When Customer makes a repayment undo on "15 July 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 July 2024 | Repayment | 813.6 | 792.23 | 21.37 | 0.0 | 0.0 | 457.77 | true | false |
@TestRailId:C3833
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = true, 360/30, second disbursement on the due date of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_360_30_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "01 August 2024"
When Admin successfully disburse the loan on "01 August 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 0.0 | 0.0 | 0.0 | 595.84 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 0.0 | 0.0 | 0.0 | 1282.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "01 August 2024" with 1282.5 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 01 August 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| 2 | 31 | 01 August 2024 | 01 August 2024 | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 0.0 | 0.0 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | 01 August 2024 | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 595.84 | 595.84 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 1282.5 | 595.84 | 343.33 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 1250.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 32.5 |
| LIABILITY | 145023 | Suspense/Clearing account | 1282.5 | |
When Customer makes a repayment undo on "01 August 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | true | false |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3834
Scenario: Progressive loan - down payment, flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = true, actual/actual, second disbursement in the middle of installment period
When Admin sets the business date to "01 June 2024"
And 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_DOWNPAYMENT_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 01 July 2024 | | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
| 3 | 31 | 01 August 2024 | | 250.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
| 4 | 31 | 01 September 2024 | | 0.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 22.5 | 0.0 | 0.0 | 1022.5 | 0.0 | 0.0 | 0.0 | 1022.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "15 July 2024"
When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 01 July 2024 | | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 15 July 2024 | | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 4 | 31 | 01 August 2024 | | 343.33 | 344.17 | 8.53 | 0.0 | 0.0 | 352.7 | 0.0 | 0.0 | 0.0 | 352.7 |
| 5 | 31 | 01 September 2024 | | 0.0 | 343.33 | 9.37 | 0.0 | 0.0 | 352.7 | 0.0 | 0.0 | 0.0 | 352.7 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 25.4 | 0.0 | 0.0 | 1275.4 | 0.0 | 0.0 | 0.0 | 1275.4 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "15 July 2024" with 922.7 EUR transaction amount
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | 15 July 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 30 | 01 July 2024 | 15 July 2024 | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 257.5 | 0.0 | 257.5 | 0.0 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 15 July 2024 | 15 July 2024 | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 62.5 | 0.0 | 0.0 | 0.0 |
| 4 | 31 | 01 August 2024 | 15 July 2024 | 343.33 | 344.17 | 8.53 | 0.0 | 0.0 | 352.7 | 352.7 | 352.7 | 0.0 | 0.0 |
| 5 | 31 | 01 September 2024 | | 0.0 | 343.33 | 9.37 | 0.0 | 0.0 | 352.7 | 0.0 | 0.0 | 0.0 | 352.7 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 25.4 | 0.0 | 0.0 | 1275.4 | 922.7 | 352.7 | 507.5 | 352.7 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 15 July 2024 | Repayment | 922.7 | 906.67 | 16.03 | 0.0 | 0.0 | 343.33 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 906.67 |
| ASSET | 112603 | Interest/Fee Receivable | | 16.03 |
| LIABILITY | 145023 | Suspense/Clearing account | 922.7 | |
@TestRailId:C3835
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, actual/actual, second disbursement in the middle of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "15 July 2024"
When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | | 458.33 | 458.34 | 12.5 | 0.0 | 0.0 | 470.84 | 0.0 | 0.0 | 0.0 | 470.84 |
| 3 | 31 | 01 September 2024 | | 0.0 | 458.33 | 12.5 | 0.0 | 0.0 | 470.83 | 0.0 | 0.0 | 0.0 | 470.83 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 35.0 | 0.0 | 0.0 | 1285.0 | 0.0 | 0.0 | 0.0 | 1285.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "15 July 2024" with 814.17 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 July 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | 15 July 2024 | 458.33 | 458.34 | 12.5 | 0.0 | 0.0 | 470.84 | 470.84 | 470.84 | 0.0 | 0.0 |
| 3 | 31 | 01 September 2024 | | 0.0 | 458.33 | 12.5 | 0.0 | 0.0 | 470.83 | 0.0 | 0.0 | 0.0 | 470.83 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 35.0 | 0.0 | 0.0 | 1285.0 | 814.17 | 470.84 | 343.33 | 470.83 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 15 July 2024 | Repayment | 814.17 | 791.67 | 22.5 | 0.0 | 0.0 | 458.33 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 791.67 |
| ASSET | 112603 | Interest/Fee Receivable | | 22.5 |
| LIABILITY | 145023 | Suspense/Clearing account | 814.17 | |
When Customer makes a repayment undo on "15 July 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 July 2024 | Repayment | 814.17 | 791.67 | 22.5 | 0.0 | 0.0 | 458.33 | true | false |
@TestRailId:C3836
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, actual/actual, second disbursement on the due date of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "01 August 2024"
When Admin successfully disburse the loan on "01 August 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 0.0 | 0.0 | 0.0 | 595.84 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 0.0 | 0.0 | 0.0 | 1282.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "01 August 2024" with 1282.5 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 01 August 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| 2 | 31 | 01 August 2024 | 01 August 2024 | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 0.0 | 0.0 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | 01 August 2024 | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 595.84 | 595.84 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 1282.5 | 595.84 | 343.33 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 1250.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 32.5 |
| LIABILITY | 145023 | Suspense/Clearing account | 1282.5 | |
When Customer makes a repayment undo on "01 August 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | true | false |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3837
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, 360/30, second disbursement in the middle of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_360_30_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "15 July 2024"
When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | | 458.33 | 458.34 | 12.5 | 0.0 | 0.0 | 470.84 | 0.0 | 0.0 | 0.0 | 470.84 |
| 3 | 31 | 01 September 2024 | | 0.0 | 458.33 | 12.5 | 0.0 | 0.0 | 470.83 | 0.0 | 0.0 | 0.0 | 470.83 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 35.0 | 0.0 | 0.0 | 1285.0 | 0.0 | 0.0 | 0.0 | 1285.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "15 July 2024" with 814.17 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 July 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | 15 July 2024 | 458.33 | 458.34 | 12.5 | 0.0 | 0.0 | 470.84 | 470.84 | 470.84 | 0.0 | 0.0 |
| 3 | 31 | 01 September 2024 | | 0.0 | 458.33 | 12.5 | 0.0 | 0.0 | 470.83 | 0.0 | 0.0 | 0.0 | 470.83 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 35.0 | 0.0 | 0.0 | 1285.0 | 814.17 | 470.84 | 343.33 | 470.83 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 15 July 2024 | Repayment | 814.17 | 791.67 | 22.5 | 0.0 | 0.0 | 458.33 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 791.67 |
| ASSET | 112603 | Interest/Fee Receivable | | 22.5 |
| LIABILITY | 145023 | Suspense/Clearing account | 814.17 | |
When Customer makes a repayment undo on "15 July 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 July 2024 | Repayment | 814.17 | 791.67 | 22.5 | 0.0 | 0.0 | 458.33 | true | false |
@TestRailId:C3838
Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, 360/30, second disbursement on the due date of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_360_30_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "01 August 2024"
When Admin successfully disburse the loan on "01 August 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 0.0 | 0.0 | 0.0 | 595.84 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 0.0 | 0.0 | 0.0 | 1282.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "01 August 2024" with 1282.5 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 01 August 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| 2 | 31 | 01 August 2024 | 01 August 2024 | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 0.0 | 0.0 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 31 | 01 September 2024 | 01 August 2024 | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 595.84 | 595.84 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 1282.5 | 595.84 | 343.33 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 August 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 1250.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 32.5 |
| LIABILITY | 145023 | Suspense/Clearing account | 1282.5 | |
When Customer makes a repayment undo on "01 August 2024"
When Admin successfully undo last disbursal
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | true | false |
| 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3839
Scenario: Progressive loan - down payment, flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, actual/actual, second disbursement in the middle of installment period
When Admin sets the business date to "01 June 2024"
And 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_DOWNPAYMENT_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 01 July 2024 | | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
| 3 | 31 | 01 August 2024 | | 250.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
| 4 | 31 | 01 September 2024 | | 0.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 22.5 | 0.0 | 0.0 | 1022.5 | 0.0 | 0.0 | 0.0 | 1022.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "15 July 2024"
When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 01 July 2024 | | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 15 July 2024 | | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 4 | 31 | 01 August 2024 | | 343.75 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 0.0 | 0.0 | 0.0 | 353.12 |
| 5 | 31 | 01 September 2024 | | 0.0 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 0.0 | 0.0 | 0.0 | 353.12 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 26.24 | 0.0 | 0.0 | 1276.24 | 0.0 | 0.0 | 0.0 | 1276.24 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 250.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
And Customer makes "AUTOPAY" repayment on "15 July 2024" with 923.12 EUR transaction amount
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | 15 July 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 30 | 01 July 2024 | 15 July 2024 | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 257.5 | 0.0 | 257.5 | 0.0 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 15 July 2024 | 15 July 2024 | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 62.5 | 0.0 | 0.0 | 0.0 |
| 4 | 31 | 01 August 2024 | 15 July 2024 | 343.75 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 353.12 | 353.12 | 0.0 | 0.0 |
| 5 | 31 | 01 September 2024 | | 0.0 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 0.0 | 0.0 | 0.0 | 353.12 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 26.24 | 0.0 | 0.0 | 1276.24 | 923.12 | 353.12 | 507.5 | 353.12 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
| 15 July 2024 | Repayment | 923.12 | 906.25 | 16.87 | 0.0 | 0.0 | 343.75 |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 906.25 |
| ASSET | 112603 | Interest/Fee Receivable | | 16.87 |
| LIABILITY | 145023 | Suspense/Clearing account | 923.12 | |