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FINERACT-2338: Allow backdated interest change on progressive loans

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- charge-off handling
- write-off handling
- closed loans
- external owner changes
This commit is contained in:
adam.magyari
2025-08-13 13:52:30 +02:00
committed by Adam Saghy
parent c2519c77c7
commit 6b7df527de
11 changed files with 998 additions and 37 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature
+1 -1
View File
@@ -1250,7 +1250,7 @@ Feature:Feature: Buy Down Fees
When Loan Pay-off is made on "25 January 2024"
Then Loan's all installments have obligations met
@TestRailId:C3887
@TestRailId:C3886
Scenario: Verify loan with with a few Buy Down fees with adjustment and charge-off transaction - amortization in case of loan charge-off event - UC3.8
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
fineract-e2e-tests-runner/src/test/resources/features/LoanInterestRateChange.feature
+917
View File
@@ -273,3 +273,920 @@ Feature: Loan interest rate change on repayment schedule
When Loan Pay-off is made on "01 April 2024"
Then Loan's all installments have obligations met
@TestRailId:C3944
Scenario: Verify Interest rate change - backdated, charged-off, regular - UC4.1
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
And Admin does charge-off the loan on "01 April 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 4 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
| 4 | 30 | 01 May 2024 | | 33.6 | 16.71 | 0.17 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 5 | 31 | 01 June 2024 | | 16.83 | 16.77 | 0.11 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.83 | 0.06 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 34.02 | 0.13 | 0.0 | 67.4 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 67.4 | 66.84 | 0.56 | 0.0 | 0.0 | 0.0 | false | true |
When Loan Pay-off is made on "01 April 2024"
Then Loan's all installments have obligations met
@TestRailId:C3945
Scenario: Verify Interest rate change - backdated, charged-off, zero interest - UC4.2
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
And Admin does charge-off the loan on "01 April 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 4 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
| 4 | 30 | 01 May 2024 | | 33.43 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 5 | 31 | 01 June 2024 | | 16.55 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 34.02 | 0.13 | 0.0 | 67.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 67.06 | 66.84 | 0.22 | 0.0 | 0.0 | 0.0 | false | true |
When Loan Pay-off is made on "01 April 2024"
Then Loan's all installments have obligations met
@TestRailId:C3946
Scenario: Verify Interest rate change - backdated, charged-off, accelerate maturity - UC4.3
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
And Admin does charge-off the loan on "01 April 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 4 |
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 0.0 | 66.97 | 0.22 | 0.0 | 0.0 | 67.19 | 0.13 | 0.13 | 0.0 | 67.06 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 34.02 | 0.13 | 0.0 | 67.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 67.06 | 66.84 | 0.22 | 0.0 | 0.0 | 0.0 | false | true |
When Loan Pay-off is made on "01 April 2024"
Then Loan's all installments have obligations met
@TestRailId:С3941
Scenario: Verify Interest rate change - backdated, CBR - UC5
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 85.0 EUR transaction amount
And Admin makes Credit Balance Refund transaction on "01 March 2024" with 0.94 EUR transaction amount
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 4 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.09 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 March 2024 | 33.21 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 March 2024 | 16.33 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 16.33 | 0.0 | 0.0 | 0.0 | 16.33 | 16.33 | 16.33 | 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 |
| 100.0 | 0.86 | 0.0 | 0.0 | 100.86 | 100.86 | 66.97 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 85.0 | 83.57 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
| 01 March 2024 | Credit Balance Refund | 0.94 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan's all installments have obligations met
Then Loan has 0.21 overpaid amount
Then Loan status will be "OVERPAID"
And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount
Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:С3942
Scenario: Verify Interest rate change - backdated, closed loan - UC7
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.06 EUR transaction amount
Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 4 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.09 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 March 2024 | 33.21 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 March 2024 | 16.33 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 16.33 | 0.0 | 0.0 | 0.0 | 16.33 | 16.33 | 16.33 | 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 |
| 100.0 | 0.86 | 0.0 | 0.0 | 100.86 | 100.86 | 66.97 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 84.06 | 83.57 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan's all installments have obligations met
Then Loan has 0.21 overpaid amount
Then Loan status will be "OVERPAID"
And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount
Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:С3943
Scenario: Verify Interest rate change - backdated, overpaid loan - UC7.2
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.2 EUR transaction amount
Then Loan's all installments have obligations met
Then Loan has 0.14 overpaid amount
Then Loan status will be "OVERPAID"
Then Loan status will be "OVERPAID"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 9 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.11 | 16.46 | 0.63 | 0.0 | 0.0 | 17.09 | 17.09 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.02 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | 17.09 | 17.09 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 March 2024 | 32.93 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | 17.09 | 17.09 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 March 2024 | 15.84 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | 17.09 | 17.09 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | 15.84 | 15.84 | 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 |
| 100.0 | 1.21 | 0.0 | 0.0 | 101.21 | 101.21 | 67.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 84.2 | 83.57 | 0.63 | 0.0 | 0.0 | 0.0 | false | true |
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan has 0 outstanding amount
Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:С3952
Scenario: Verify Interest rate change - backdated, closed as written-off loan - UC7.3
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
# --- make write-off --- #
And Admin does write-off the loan on "01 March 2024"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Close (as written-off) | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_WRITTEN_OFF"
Then Loan's all installments have obligations met
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 4 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 March 2024 | 33.6 | 16.71 | 0.17 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 March 2024 | 16.83 | 16.77 | 0.11 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 16.83 | 0.06 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 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 |
| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 17.01 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Close (as written-off) | 84.41 | 83.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true |
Then Loan has 0 outstanding amount
Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_WRITTEN_OFF"
@TestRailId:С3947
Scenario: Verify Interest rate change - backdated, external asset owner - UC6
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
When Admin makes asset externalization request by Loan ID with unique ownerExternalId, user-generated transferExternalId and the following data:
| Transaction type | settlementDate | purchasePriceRatio |
| sale | 2024-04-01 | 1 |
Then Asset externalization response has the correct Loan ID, transferExternalId
Then Fetching Asset externalization details by loan id gives numberOfElements: 1 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type |
| 2024-04-01 | 1 | PENDING | 2024-03-01 | 9999-12-31 | SALE |
When Admin sets the business date to "02 April 2024"
When Admin runs inline COB job for Loan
Then Fetching Asset externalization details by loan id gives numberOfElements: 2 with correct ownerExternalId and the following data:
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type |
| 2024-04-01 | 1 | PENDING | 2024-03-01 | 2024-04-01 | SALE |
| 2024-04-01 | 1 | ACTIVE | 2024-04-02 | 9999-12-31 | SALE |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 02 February 2024 | | | | | 4 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
| 4 | 30 | 01 May 2024 | | 33.6 | 16.71 | 0.17 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 5 | 31 | 01 June 2024 | | 16.83 | 16.77 | 0.11 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.83 | 0.06 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 34.02 | 0.13 | 0.0 | 67.4 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
When Customer makes "AUTOPAY" repayment on "01 April 2024" with 67.06 EUR transaction amount and check external owner
Then Loan's all installments have obligations met
@TestRailId:C3948
Scenario: Verify backdated interest rate INCREASE on charged-off loan - backdated, charged-off, regular - UC4.4
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
When Admin sets the business date to "01 April 2024"
And Admin does charge-off the loan on "01 April 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 68.03 | 67.05 | 0.98 | 0.0 | 0.0 | 0.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 15 January 2024 | 01 April 2024 | | | | | 12 |
# Verify increased interest 7% to 12% causes higher charge-off amount after reversal/replay
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 March 2024 | 83.6 | 16.4 | 0.83 | 0.0 | 0.0 | 17.23 | 17.23 | 0.0 | 0.22 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.39 | 0.84 | 0.0 | 0.0 | 17.23 | 16.79 | 0.0 | 0.0 | 0.44 |
| 3 | 31 | 01 April 2024 | | 50.65 | 16.56 | 0.67 | 0.0 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23 |
| 4 | 30 | 01 May 2024 | | 33.93 | 16.72 | 0.51 | 0.0 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23 |
| 5 | 31 | 01 June 2024 | | 17.04 | 16.89 | 0.34 | 0.0 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.04 | 0.17 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 3.36 | 0.0 | 0.0 | 103.36 | 34.02 | 0.0 | 0.22 | 69.34 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.4 | 0.61 | 0.0 | 0.0 | 83.6 | false | true |
| 01 March 2024 | Repayment | 17.01 | 16.39 | 0.62 | 0.0 | 0.0 | 67.21 | false | true |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 0.88 | 0.0 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 69.34 | 67.21 | 2.13 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3949
Scenario: Verify backdated interest modification with PARTIAL payment before charge-off - backdated, charged-off, zero interest - UC4.5
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 10.00 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 0.0 | 7.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 10.0 | 0.0 | 0.0 | 92.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 10.00 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 7.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 2.99 | 0.0 | 0.0 | 14.02 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 20.0 | 0.0 | 7.01 | 82.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
| 01 March 2024 | Repayment | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
When Admin sets the business date to "01 April 2024"
And Admin does charge-off the loan on "01 April 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 7.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 2.99 | 0.0 | 0.0 | 14.02 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.42 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.41 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.41 | 0.0 | 0.0 | 0.0 | 16.41 | 0.0 | 0.0 | 0.0 | 16.41 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 20.0 | 0.0 | 7.01 | 81.46 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
| 01 March 2024 | Repayment | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 81.46 | 80.58 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 01 April 2024 | | | | | 4 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 7.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 2.99 | 0.0 | 0.0 | 13.89 |
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 4 | 30 | 01 May 2024 | | 33.43 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 5 | 31 | 01 June 2024 | | 16.55 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 20.0 | 0.0 | 7.01 | 81.08 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
| 01 March 2024 | Repayment | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 81.08 | 80.58 | 0.5 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3950
Scenario: Verify multiple backdated interest modifications after charge-off - backdated, charged-off, accelerate maturity - UC4.6
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
When Admin sets the business date to "01 April 2024"
And Admin does charge-off the loan on "01 April 2024"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 0.0 | 67.05 | 0.39 | 0.0 | 0.0 | 67.44 | 0.0 | 0.0 | 0.0 | 67.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 34.02 | 0.0 | 0.0 | 67.44 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 67.44 | 67.05 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
# First interest modification 7% -> 5%
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 15 January 2024 | 01 April 2024 | | | | | 5 |
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.49 | 0.0 | 0.0 | 16.92 | 16.92 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.0 | 16.57 | 0.35 | 0.0 | 0.0 | 16.92 | 16.92 | 0.09 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 0.0 | 67.0 | 0.28 | 0.0 | 0.0 | 67.28 | 0.18 | 0.18 | 0.0 | 67.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.12 | 0.0 | 0.0 | 101.12 | 34.02 | 0.27 | 0.0 | 67.1 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.48 | false | true |
| 01 March 2024 | Repayment | 17.01 | 16.66 | 0.35 | 0.0 | 0.0 | 66.82 | false | true |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 67.1 | 66.82 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
# Second interest modification 5% -> 3%
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 20 February 2024 | 01 April 2024 | | | | | 3 |
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.49 | 0.0 | 0.0 | 16.92 | 16.92 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.01 | 16.56 | 0.3 | 0.0 | 0.0 | 16.86 | 16.86 | 0.09 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 0.0 | 67.01 | 0.17 | 0.0 | 0.0 | 67.18 | 0.24 | 0.24 | 0.0 | 66.94 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.96 | 0.0 | 0.0 | 100.96 | 34.02 | 0.33 | 0.0 | 66.94 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.48 | false | true |
| 01 March 2024 | Repayment | 17.01 | 16.71 | 0.3 | 0.0 | 0.0 | 66.77 | false | true |
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.16 | 0.0 | 0.16 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 66.94 | 66.77 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3951
Scenario: Verify backdated interest modification with fees and penalties on charged-off loan - backdated, charged-off, regular - UC4.7
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "10 February 2024"
And Customer makes "AUTOPAY" repayment on "10 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 10 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.08 | 16.49 | 0.52 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.46 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.93 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.1 | 0.0 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | 17.03 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.08 | 0.0 | 0.0 | 102.08 | 17.01 | 0.0 | 17.01 | 85.07 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
When Admin adds "LOAN_NSF_FEE" due date charge with "20 February 2024" due date and 5 EUR transaction amount
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 February 2024" due date and 8 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 10 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.08 | 16.49 | 0.52 | 8.0 | 5.0 | 30.01 | 0.0 | 0.0 | 0.0 | 30.01 |
| 3 | 31 | 01 April 2024 | | 50.46 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.93 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.1 | 0.0 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | 17.03 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.08 | 8.0 | 5.0 | 115.08 | 17.01 | 0.0 | 17.01 | 98.07 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
When Admin sets the business date to "01 April 2024"
And Admin does charge-off the loan on "01 April 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 10 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.08 | 16.49 | 0.52 | 8.0 | 5.0 | 30.01 | 0.0 | 0.0 | 0.0 | 30.01 |
| 3 | 31 | 01 April 2024 | | 50.56 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.84 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.03 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.03 | 0.1 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.18 | 8.0 | 5.0 | 115.18 | 17.01 | 0.0 | 17.01 | 98.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 April 2024 | Accrual | 1.59 | 0.0 | 1.59 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 98.17 | 83.57 | 1.6 | 8.0 | 5.0 | 0.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 01 April 2024 | | | | | 4 |
# Verify fee/penalties are correctly handled in charge-off reversal/replay
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 10 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.99 | 16.58 | 0.3 | 8.0 | 5.0 | 29.88 | 0.0 | 0.0 | 0.0 | 29.88 |
| 3 | 31 | 01 April 2024 | | 50.39 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 4 | 30 | 01 May 2024 | | 33.68 | 16.71 | 0.17 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 5 | 31 | 01 June 2024 | | 16.91 | 16.77 | 0.11 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.06 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.5 | 8.0 | 5.0 | 114.5 | 17.01 | 0.0 | 17.01 | 97.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 April 2024 | Accrual | 1.59 | 0.0 | 1.59 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Adjustment | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Charge-off | 97.49 | 83.57 | 0.92 | 8.0 | 5.0 | 0.0 | false | true |
fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/AbstractLoanRepaymentScheduleTransactionProcessor.java
+1
View File
@@ -827,6 +827,7 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
}
}
loanTransaction.resetDerivedComponents();
loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltychargesPortion);
}
fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/rescheduleloan/data/LoanRescheduleRequestDataValidatorImpl.java
+12
View File
@@ -35,6 +35,7 @@ import org.apache.commons.lang3.StringUtils;
import org.apache.fineract.infrastructure.core.api.JsonCommand;
import org.apache.fineract.infrastructure.core.data.ApiParameterError;
import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
import org.apache.fineract.infrastructure.core.exception.InvalidJsonException;
import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
@@ -194,6 +195,12 @@ public class LoanRescheduleRequestDataValidatorImpl implements LoanRescheduleReq
}
}
public static void validateLoanStatusIsActiveOrClosed(Loan loan, DataValidatorBuilder dataValidatorBuilder) {
if (!loan.getStatus().isActive() && !loan.getStatus().isClosed() && !loan.getStatus().isOverpaid()) {
dataValidatorBuilder.reset().failWithCode("loan.is.not.active.or.closed", "Loan is not active or closed");
}
}
public static void validateSupportedParameters(JsonCommand jsonCommand, Set<String> createRequestDataParameters) {
final String jsonString = jsonCommand.json();
@@ -243,6 +250,11 @@ public class LoanRescheduleRequestDataValidatorImpl implements LoanRescheduleReq
if (loan.getLoanProductRelatedDetail().getLoanScheduleType() == LoanScheduleType.PROGRESSIVE) {
progressiveLoanRescheduleRequestDataValidatorDelegate.validateForCreateAction(jsonCommand, loan);
} else {
if (loan.isChargedOff()) {
throw new GeneralPlatformDomainRuleException("error.msg.loan.is.charged.off",
"Loan: " + loan.getId() + " reschedule installment is not allowed. Loan Account is Charged-off", loan.getId());
}
validateSupportedParameters(jsonCommand, CREATE_REQUEST_DATA_PARAMETERS);
final List<ApiParameterError> dataValidationErrors = new ArrayList<>();
final DataValidatorBuilder dataValidatorBuilder = new DataValidatorBuilder(dataValidationErrors)
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/delinquency/service/ProgressivePossibleNextRepaymentCalculationServiceImpl.java
+1
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@@ -62,6 +62,7 @@ public class ProgressivePossibleNextRepaymentCalculationServiceImpl extends Abst
ProgressiveTransactionCtx ctx = new ProgressiveTransactionCtx(loan.getCurrency(), repaymentScheduleInstallments, Set.of(),
new MoneyHolder(loan.getTotalOverpaidAsMoney()), new ChangedTransactionDetail(), scheduleModel);
ctx.setChargedOff(loan.isChargedOff());
ctx.setWrittenOff(loan.isClosedWrittenOff());
ctx.setContractTerminated(loan.isContractTermination());
advancedPaymentScheduleTransactionProcessor.recalculateInterestForDate(nextPaymentDueDate, ctx, false);
RepaymentPeriod repaymentPeriod = scheduleModel.findRepaymentPeriodByDueDate(nextPaymentDueDate)
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
+31 -26
View File
@@ -1495,6 +1495,10 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
}
protected void handleWriteOff(final LoanTransaction transaction, TransactionCtx ctx) {
if (ctx instanceof ProgressiveTransactionCtx progressiveTransactionCtx) {
updateInstallmentsPrincipalAndInterestByModel(progressiveTransactionCtx);
progressiveTransactionCtx.setChargedOff(true);
}
super.handleWriteOff(transaction, ctx.getCurrency(), ctx.getInstallments());
}
@@ -1548,8 +1552,8 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
public void recalculateInterestForDate(LocalDate targetDate, ProgressiveTransactionCtx ctx, boolean updateInstallments) {
if (ctx.getInstallments() != null && !ctx.getInstallments().isEmpty()) {
Loan loan = ctx.getInstallments().getFirst().getLoan();
if (loan.isInterestBearingAndInterestRecalculationEnabled() && !loan.isNpa() && !ctx.isChargedOff()
&& !ctx.isContractTerminated() && !loan.getLoanInterestRecalculationDetails().disallowInterestCalculationOnPastDue()) {
if (isInterestRecalculationSupported(ctx, loan) && !loan.isNpa()
&& !loan.getLoanInterestRecalculationDetails().disallowInterestCalculationOnPastDue()) {
boolean modelHasUpdates = rework(targetDate, ctx);
if (modelHasUpdates && updateInstallments) {
@@ -2313,9 +2317,9 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
boolean interestBearingAndInterestRecalculationEnabled = loanTransaction.getLoan()
.isInterestBearingAndInterestRecalculationEnabled();
if (interestBearingAndInterestRecalculationEnabled && ctx instanceof ProgressiveTransactionCtx progressiveTransactionCtx
&& !progressiveTransactionCtx.isChargedOff() && !progressiveTransactionCtx.isContractTerminated()) {
if (isInterestRecalculationSupported(ctx, loanTransaction.getLoan())) {
// Clear any previously skipped installments before re-evaluating
ProgressiveTransactionCtx progressiveTransactionCtx = (ProgressiveTransactionCtx) ctx;
progressiveTransactionCtx.getSkipRepaymentScheduleInstallments().clear();
paymentAllocationContext
.setInAdvanceInstallmentsFilteringRules(installment -> loanTransaction.isBefore(installment.getDueDate())
@@ -2389,15 +2393,12 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
context.getTransactionMappings(), context.getLoanTransaction(), oldestPastDueInstallment,
context.getCtx().getCurrency());
Loan loan = context.getLoanTransaction().getLoan();
if (context.getCtx() instanceof ProgressiveTransactionCtx progressiveTransactionCtx
&& loan.isInterestBearingAndInterestRecalculationEnabled()
&& !progressiveTransactionCtx.isChargedOff()
&& !progressiveTransactionCtx.isContractTerminated()) {
context.setAllocatedAmount(
handlingPaymentAllocationForInterestBearingProgressiveLoan(context.getLoanTransaction(),
context.getTransactionAmountUnprocessed(), context.getBalances(),
paymentAllocationType, oldestPastDueInstallment, progressiveTransactionCtx,
loanTransactionToRepaymentScheduleMapping, oldestPastDueInstallmentCharges));
if (isInterestRecalculationSupported(context.getCtx(), loan)) {
context.setAllocatedAmount(handlingPaymentAllocationForInterestBearingProgressiveLoan(
context.getLoanTransaction(), context.getTransactionAmountUnprocessed(),
context.getBalances(), paymentAllocationType, oldestPastDueInstallment,
(ProgressiveTransactionCtx) context.getCtx(), loanTransactionToRepaymentScheduleMapping,
oldestPastDueInstallmentCharges));
} else {
context.setAllocatedAmount(processPaymentAllocation(paymentAllocationType, oldestPastDueInstallment,
context.getLoanTransaction(), context.getTransactionAmountUnprocessed(),
@@ -2418,14 +2419,12 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
context.getTransactionMappings(), context.getLoanTransaction(), dueInstallment,
context.getCtx().getCurrency());
Loan loan = context.getLoanTransaction().getLoan();
if (context.getCtx() instanceof ProgressiveTransactionCtx progressiveTransactionCtx
&& loan.isInterestBearingAndInterestRecalculationEnabled()
&& !progressiveTransactionCtx.isChargedOff()
&& !progressiveTransactionCtx.isContractTerminated()) {
context.setAllocatedAmount(handlingPaymentAllocationForInterestBearingProgressiveLoan(
context.getLoanTransaction(), context.getTransactionAmountUnprocessed(),
context.getBalances(), paymentAllocationType, dueInstallment, progressiveTransactionCtx,
loanTransactionToRepaymentScheduleMapping, dueInstallmentCharges));
if (isInterestRecalculationSupported(context.getCtx(), loan)) {
context.setAllocatedAmount(
handlingPaymentAllocationForInterestBearingProgressiveLoan(context.getLoanTransaction(),
context.getTransactionAmountUnprocessed(), context.getBalances(),
paymentAllocationType, dueInstallment, (ProgressiveTransactionCtx) context.getCtx(),
loanTransactionToRepaymentScheduleMapping, dueInstallmentCharges));
} else {
context.setAllocatedAmount(processPaymentAllocation(paymentAllocationType, dueInstallment,
context.getLoanTransaction(), context.getTransactionAmountUnprocessed(),
@@ -2472,13 +2471,10 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
if (inAdvanceInstallment.equals(inAdvanceInstallments.get(numberOfInstallments - 1))) {
evenPortion = evenPortion.add(balanceAdjustment);
}
if (context.getCtx() instanceof ProgressiveTransactionCtx progressiveTransactionCtx
&& loan.isInterestBearingAndInterestRecalculationEnabled()
&& !progressiveTransactionCtx.isChargedOff()
&& !progressiveTransactionCtx.isContractTerminated()) {
if (isInterestRecalculationSupported(context.getCtx(), loan)) {
context.setAllocatedAmount(handlingPaymentAllocationForInterestBearingProgressiveLoan(
context.getLoanTransaction(), evenPortion, context.getBalances(), paymentAllocationType,
inAdvanceInstallment, progressiveTransactionCtx,
inAdvanceInstallment, (ProgressiveTransactionCtx) context.getCtx(),
loanTransactionToRepaymentScheduleMapping, inAdvanceInstallmentCharges));
} else {
context.setAllocatedAmount(processPaymentAllocation(paymentAllocationType, inAdvanceInstallment,
@@ -3070,4 +3066,13 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
.fetchFirstNormalInstallmentNumber(getCtx().getInstallments());
}
}
private boolean isInterestRecalculationSupported(TransactionCtx ctx, Loan loan) {
if (ctx instanceof ProgressiveTransactionCtx progressiveTransactionCtx) {
return loan.isInterestBearingAndInterestRecalculationEnabled() && !progressiveTransactionCtx.isChargedOff()
&& !progressiveTransactionCtx.isWrittenOff() && !progressiveTransactionCtx.isContractTerminated();
} else {
return false;
}
}
}
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/ProgressiveTransactionCtx.java
+4 -2
View File
@@ -37,16 +37,18 @@ import org.apache.fineract.portfolio.loanproduct.calc.data.ProgressiveLoanIntere
public class ProgressiveTransactionCtx extends TransactionCtx {
private final ProgressiveLoanInterestScheduleModel model;
private List<LoanTransaction> alreadyProcessedTransactions = new ArrayList<>();
private final List<LoanTransaction> alreadyProcessedTransactions = new ArrayList<>();
@Setter
private Money sumOfInterestRefundAmount;
@Setter
private boolean isChargedOff = false;
@Setter
private boolean isWrittenOff = false;
@Setter
private boolean isContractTerminated = false;
@Setter
private boolean isPrepayAttempt = false;
private List<LoanRepaymentScheduleInstallment> skipRepaymentScheduleInstallments = new ArrayList<>();
private final List<LoanRepaymentScheduleInstallment> skipRepaymentScheduleInstallments = new ArrayList<>();
public ProgressiveTransactionCtx(MonetaryCurrency currency, List<LoanRepaymentScheduleInstallment> installments,
Set<LoanCharge> charges, MoneyHolder overpaymentHolder, ChangedTransactionDetail changedTransactionDetail,
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/rescheduleloan/data/ProgressiveLoanRescheduleRequestDataValidator.java
+22 -2
View File
@@ -25,6 +25,7 @@ import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.Loan
import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateApprovalDate;
import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateForOverdueCharges;
import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateLoanIsActive;
import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateLoanStatusIsActiveOrClosed;
import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateRescheduleReasonComment;
import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateRescheduleReasonId;
import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateRescheduleRequestStatus;
@@ -47,7 +48,9 @@ import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidati
import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRescheduleRequestToTermVariationMapping;
import org.apache.fineract.portfolio.loanaccount.domain.LoanStatus;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTermVariationType;
import org.apache.fineract.portfolio.loanaccount.rescheduleloan.RescheduleLoansApiConstants;
import org.apache.fineract.portfolio.loanaccount.rescheduleloan.domain.LoanRescheduleRequest;
import org.apache.fineract.portfolio.loanaccount.rescheduleloan.domain.LoanRescheduleRequestRepository;
@@ -70,7 +73,6 @@ public class ProgressiveLoanRescheduleRequestDataValidator implements LoanResche
final JsonElement jsonElement = jsonCommand.parsedJson();
validateLoanIsActive(loan, dataValidatorBuilder);
validateSubmittedOnDate(fromJsonHelper, loan, jsonElement, dataValidatorBuilder);
final LocalDate rescheduleFromDate = validateAndRetrieveRescheduleFromDate(fromJsonHelper, jsonElement, dataValidatorBuilder);
validateRescheduleReasonId(fromJsonHelper, jsonElement, dataValidatorBuilder);
@@ -81,6 +83,11 @@ public class ProgressiveLoanRescheduleRequestDataValidator implements LoanResche
boolean hasInterestRateChange = interestRate != null;
boolean hasAdjustDueDateChange = adjustedDueDate != null;
if (hasInterestRateChange) {
validateLoanStatusIsActiveOrClosed(loan, dataValidatorBuilder);
} else {
validateLoanIsActive(loan, dataValidatorBuilder);
}
if (hasInterestRateChange && hasAdjustDueDateChange) {
dataValidatorBuilder.reset().parameter(RescheduleLoansApiConstants.adjustedDueDateParamName).failWithCode(
@@ -144,7 +151,20 @@ public class ProgressiveLoanRescheduleRequestDataValidator implements LoanResche
LocalDate rescheduleFromDate = loanRescheduleRequest.getRescheduleFromDate();
final Loan loan = loanRescheduleRequest.getLoan();
LoanRepaymentScheduleInstallment installment;
validateLoanIsActive(loan, dataValidatorBuilder);
boolean hasInterestRateChange = false;
for (LoanRescheduleRequestToTermVariationMapping mapping : loanRescheduleRequest
.getLoanRescheduleRequestToTermVariationMappings()) {
LoanTermVariationType termType = mapping.getLoanTermVariations().getTermType();
if (termType.isInterestRateVariation() || termType.isInterestRateFromInstallment()) {
hasInterestRateChange = true;
}
}
if (hasInterestRateChange) {
validateLoanStatusIsActiveOrClosed(loan, dataValidatorBuilder);
} else {
validateLoanIsActive(loan, dataValidatorBuilder);
}
if (loanRescheduleRequest.getInterestRateFromInstallmentTermVariationIfExists() != null) {
installment = loan.getRelatedRepaymentScheduleInstallment(rescheduleFromDate);
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/service/InterestScheduleModelRepositoryWrapperImpl.java
+1
View File
@@ -113,6 +113,7 @@ public class InterestScheduleModelRepositoryWrapperImpl implements InterestSched
ProgressiveTransactionCtx ctx = new ProgressiveTransactionCtx(loan.getCurrency(), loan.getRepaymentScheduleInstallments(),
Set.of(), new MoneyHolder(loan.getTotalOverpaidAsMoney()), new ChangedTransactionDetail(), savedModel.get());
ctx.setChargedOff(loan.isChargedOff());
ctx.setWrittenOff(loan.isClosedWrittenOff());
ctx.setContractTerminated(loan.isContractTermination());
advancedPaymentScheduleTransactionProcessor.recalculateInterestForDate(businessDate, ctx);
}
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/rescheduleloan/service/LoanRescheduleRequestWritePlatformServiceImpl.java
+7 -6
View File
@@ -28,6 +28,7 @@ import java.util.HashMap;
import java.util.LinkedHashMap;
import java.util.List;
import java.util.Map;
import java.util.Optional;
import java.util.Set;
import lombok.RequiredArgsConstructor;
import lombok.extern.slf4j.Slf4j;
@@ -40,7 +41,6 @@ import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
import org.apache.fineract.infrastructure.core.exception.ErrorHandler;
import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
import org.apache.fineract.infrastructure.core.service.DateUtils;
import org.apache.fineract.infrastructure.event.business.domain.loan.LoanBalanceChangedBusinessEvent;
@@ -53,6 +53,7 @@ import org.apache.fineract.portfolio.loanaccount.data.AccountingBridgeDataDTO;
import org.apache.fineract.portfolio.loanaccount.data.LoanTermVariationsData;
import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanLifecycleStateMachine;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallmentRepository;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleTransactionProcessorFactory;
@@ -123,6 +124,7 @@ public class LoanRescheduleRequestWritePlatformServiceImpl implements LoanResche
private final LoanAccountingBridgeMapper loanAccountingBridgeMapper;
private final LoanScheduleComponent loanSchedule;
private final LoanTransactionRepository loanTransactionRepository;
private final LoanLifecycleStateMachine loanLifecycleStateMachine;
/**
* create a new instance of the LoanRescheduleRequest object from the JsonCommand object and persist
@@ -140,11 +142,6 @@ public class LoanRescheduleRequestWritePlatformServiceImpl implements LoanResche
// use the loan id to get a Loan entity object
final Loan loan = this.loanAssembler.assembleFrom(loanId);
if (loan.isChargedOff()) {
throw new GeneralPlatformDomainRuleException("error.msg.loan.is.charged.off",
"Loan: " + loanId + " reschedule installment is not allowed. Loan Account is Charged-off", loanId);
}
// validate the request in the JsonCommand object passed as
// parameter
this.loanRescheduleRequestDataValidator.validateForCreateAction(jsonCommand, loan);
@@ -457,6 +454,10 @@ public class LoanRescheduleRequestWritePlatformServiceImpl implements LoanResche
// update the status of the request
loanRescheduleRequest.approve(appUser, approvedOnDate);
Optional<LocalDate> lastTransactionDateForReprocessing = loanTransactionRepository.findLastTransactionDateForReprocessing(loan);
if (lastTransactionDateForReprocessing.isPresent()) {
loanLifecycleStateMachine.determineAndTransition(loan, lastTransactionDateForReprocessing.get());
}
loan = saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, true, false);
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanTransactionProcessingServiceImpl.java
+1
View File
@@ -103,6 +103,7 @@ public class LoanTransactionProcessingServiceImpl implements LoanTransactionProc
new ChangedTransactionDetail(), model, getTotalRefundInterestAmount(loan));
progressiveContext.getAlreadyProcessedTransactions().addAll(loanTransactionService.retrieveListOfTransactionsForReprocessing(loan));
progressiveContext.setChargedOff(loan.isChargedOff());
progressiveContext.setWrittenOff(loan.isClosedWrittenOff());
progressiveContext.setContractTerminated(loan.isContractTermination());
ChangedTransactionDetail result = advancedProcessor.processLatestTransaction(loanTransaction, progressiveContext);
if (!TransactionSynchronizationManager.isCurrentTransactionReadOnly()) {