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FINERACT-2330: added e2e tests for buy down fee for non-merchant

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This commit is contained in:
MarianaDmytrivBinariks
2025-08-21 10:23:09 +02:00
committed by Adam Saghy
parent 141f17ecfc
commit 6c875fa6c6
4 changed files with 604 additions and 0 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+2
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@@ -131,7 +131,9 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_REST_FREQUENCY_DATE_LAST_INSTALLMENT, //
LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_CAPITALIZED_INCOME, //
LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES, //
LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT, //
LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CHARGE_OFF_REASON, //
LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT_CHARGE_OFF_REASON, //
LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME, //
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+53
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@@ -3605,6 +3605,59 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_MIN_INT_3_MAX_INT_20,
responseLoanProductsRequestLP2AdvancedPaymentInterest36030InterestRecalcDailyTillPreCloseMinInt3MaxInt20);
// LP2 with progressive loan schedule + horizontal + interest EMI + 360/30
// + interest recalculation, buy down fees enabled, non-merchant
final String name136 = DefaultLoanProduct.LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT.getName();
final PostLoanProductsRequest loanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchant = loanProductsRequestFactory
.defaultLoanProductsRequestLP2BuyDownFees()//
.name(name136)//
.transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION.getValue())//
.loanScheduleType("PROGRESSIVE") //
.isInterestRecalculationEnabled(true)//
.preClosureInterestCalculationStrategy(1)//
.rescheduleStrategyMethod(4)//
.interestRecalculationCompoundingMethod(0)//
.recalculationRestFrequencyType(2)//
.recalculationRestFrequencyInterval(1)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT"))) //
.merchantBuyDownFee(false).buyDownExpenseAccountId(null);//
final Response<PostLoanProductsResponse> responseLoanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchant = loanProductsApi
.createLoanProduct(loanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchant).execute();
TestContext.INSTANCE.set(TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES_NON_MERCHANT,
responseLoanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchant);
// LP2 with progressive loan schedule + horizontal + interest EMI + 360/30
// charge-off reasons to GL account mapping
// + interest recalculation, buy down fees enabled, non-merchant
final String name137 = DefaultLoanProduct.LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT_CHARGE_OFF_REASON
.getName();
final PostLoanProductsRequest loanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchantWithChargeOffReason = loanProductsRequestFactory
.defaultLoanProductsRequestLP2ChargeOffReasonToExpenseAccountMappingsWithBuyDownFee()//
.name(name137)//
.transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION.getValue())//
.loanScheduleType("PROGRESSIVE") //
.isInterestRecalculationEnabled(true)//
.preClosureInterestCalculationStrategy(1)//
.rescheduleStrategyMethod(4)//
.interestRecalculationCompoundingMethod(0)//
.recalculationRestFrequencyType(2)//
.recalculationRestFrequencyInterval(1)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT"))) //
.merchantBuyDownFee(false).buyDownExpenseAccountId(null);//
final Response<PostLoanProductsResponse> responseLoanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchantWithChargeOffReason = loanProductsApi
.createLoanProduct(loanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchantWithChargeOffReason).execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES_NON_MERCHANT_CHARGE_OFF_REASON,
responseLoanProductsRequestLP2ProgressiveAdvPaymentBuyDownFeesNonMerchantWithChargeOffReason);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+2
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@@ -157,6 +157,8 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_CAPITALIZED_INCOME = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentCapitalizedIncome";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentBuyDownFees";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES_CHARGE_OFF_REASON = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentBuyDownFeesWithChargeOffReason";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES_NON_MERCHANT = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentBuyDownFeesNonMerchant";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES_NON_MERCHANT_CHARGE_OFF_REASON = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentBuyDownFeesNonMerchantWithChargeOffReason";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyCapitalizedIncomeAdjCustomAlloc";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyMultidisbursalApprovedOVerAppliedPercentageCapitalizedIncome";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_FLAT_CAPITALIZED_INCOME = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyMultidisbursalApprovedOVerAppliedFlatCapitalizedIncome";
fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature
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@@ -2657,3 +2657,550 @@ Feature:Feature: Buy Down Fees
| 11 January 2024 | Buy Down Fee Amortization Adjustment | 5.49 | 0.0 | 5.49 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
And LoanBuyDownFeeAmortizationAdjustmentTransactionCreatedBusinessEvent is created on "11 January 2024"
@TestRailId:C3981
Scenario: Verify loan with Buy Down fees and full payment for non-merchant - UC1
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
When Admin sets the business date to "1 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 31 March 2024 | Accrual | 1.16 | 0.0 | 1.16 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.2 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "31 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 50.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 50.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
@TestRailId:C3982
Scenario: Verify Buy Down Fee reversal on same business date for non-merchant - UC2
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# -- undo Buy Down Fee transaction at the same biz date when it was added -- #
When Customer undo "1"th "Buy Down Fee" transaction made on "01 January 2024"
When Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
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 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
| LIABILITY | 145023 | Suspense/Clearing account | | 50.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 50.0 | |
@TestRailId:C3983
Scenario: Verify loan with Buy Down fees and undo the charge-off transaction for non merchant - amortization in case of loan charge-off event is also reversed - UC3.1
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- charge-off ---#
When Admin sets the business date to "1 February 2024"
And Admin does charge-off the loan on "1 February 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 February 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 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 32.42 | 0.0 | 32.42 | 0.0 | 0.0 | 0.0 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 0.0 | 0.0 | 32.42 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 February 2024"
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 32.42 |
| LIABILITY | 145024 | Deferred Capitalized Income | 32.42 | |
# --- charge-off undo ---#
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 32.42 | 0.0 | 0.0 |
When Loan Pay-off is made on "1 February 2024"
Then Loan's all installments have obligations met
@TestRailId:C3984
Scenario: Verify loan with Buy Down fees and undo the charge-off a fraud loan for non-merchant - amortization in case of loan charge-off event is also reversed - UC3.2
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
# --- charge-off ---#
When Admin sets the business date to "1 February 2024"
And Admin does charge-off the loan on "1 February 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 February 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 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 32.42 | 0.0 | 32.42 | 0.0 | 0.0 | 0.0 | false |
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | | 32.42 |
| LIABILITY | 145024 | Deferred Capitalized Income | 32.42 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 0.0 | 0.0 | 32.42 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 February 2024"
# --- charge-off undo ---#
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 32.42 | 0.0 | 0.0 |
When Loan Pay-off is made on "1 February 2024"
Then Loan's all installments have obligations met
@TestRailId:C3985
Scenario: Verify loan with Buy Down fees and undo the charge-off transaction with "delinquent" reason for non-merchant - amortization in case of loan charge-off event is also reversed - UC3.3
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT_CHARGE_OFF_REASON | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
When Admin sets the business date to "25 January 2024"
And Admin does charge-off the loan with reason "DELINQUENT" on "25 January 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 36.26 | 0.0 | 36.26 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 36.26 |
| LIABILITY | 145024 | Deferred Capitalized Income | 36.26 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 0.0 | 0.0 | 36.26 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "25 January 2024"
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 36.26 | 0.0 | 0.0 |
When Loan Pay-off is made on "25 January 2024"
Then Loan's all installments have obligations met
@TestRailId:С3986
Scenario: Verify loan with Buy Down Fee adjustment trn and repayment trns for non-merchant - UC4
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- 1st repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
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 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
# --- BuyDownFee Adjustment trns on March,1 ---#
When Admin sets the business date to "1 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 March 2024" with "10" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 40.0 | 10.0 | 0.0 |
And LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent is created on "01 March 2024"
# --- 2nd repayment on April,1 ---#
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 40.0 | 0.0 | 10.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
When Loan Pay-off is made on "1 April 2024"
Then Loan's all installments have obligations met
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
# --- BuyDownFee Adjustment reversal on March,1 ---#
When Customer undo "1"th "Buy Down Fee Adjustment" transaction made on "01 March 2024"
When Admin sets the business date to "3 April 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Buy Down Fee Amortization | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 10.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 April 2024"