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FINERACT-2421: Allow multiple interest rate schedule adjustments same date - E2E tests

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Peter Kovacs
2026-01-27 15:04:30 +01:00
committed by Adam Saghy
parent 532190a649
commit 6cc5323090
3 changed files with 374 additions and 1 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanReschedule.feature
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@@ -1459,4 +1459,316 @@ Feature: LoanReschedule
When Admin sets the business date to "02 April 2024"
Then Loan reschedule with the following data results a 400 error and "LOAN_RESCHEDULE_FROM_DATE_INSTALLMENT_NOT_FOUND" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 August 2024 | 02 April 2024 | | | | 2 | |
| 01 August 2024 | 02 April 2024 | | | | 2 | |
@TestRailId:C4574
Scenario: Verify multiple interest rate changes on same day, UC1: on due date
When Admin sets the business date to "1 January 2025"
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2025 | 100 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2025" with "100" amount and expected disbursement date on "1 January 2025"
And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount
And Admin sets the business date to "1 February 2025"
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 3 | 31 | 01 April 2025 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2025 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2025 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 0.0 | 0.0 | 0.0 | 102.93 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- first interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2025 | 01 February 2025 | | | | | 5 |
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.84 | 16.16 | 0.82 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.63 | 0.35 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 3 | 31 | 01 April 2025 | | 50.51 | 16.7 | 0.28 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 4 | 30 | 01 May 2025 | | 33.74 | 16.77 | 0.21 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 5 | 31 | 01 June 2025 | | 16.9 | 16.84 | 0.14 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.9 | 0.07 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.87 | 0.0 | 0.0 | 101.87 | 0.0 | 0.0 | 0.0 | 101.87 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 01 February 2025 | None | Approved |
# --- second interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2025 | 01 February 2025 | | | | | 0 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 84.01 | 15.99 | 0.81 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 3 | 31 | 01 April 2025 | | 50.41 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 4 | 30 | 01 May 2025 | | 33.61 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 5 | 31 | 01 June 2025 | | 16.81 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.81 | 0.0 | 0.0 | 100.81 | 0.0 | 0.0 | 0.0 | 100.81 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 01 February 2025 | None | Approved |
| 01 February 2025 | None | Approved |
@TestRailId:C4575
Scenario: Verify multiple interest rate changes on same day, UC2: on due date after repayment
When Admin sets the business date to "1 January 2025"
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2025 | 100 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2025" with "100" amount and expected disbursement date on "1 January 2025"
And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount
And Admin sets the business date to "1 February 2025"
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 17.16 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 17.16 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 3 | 31 | 01 April 2025 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2025 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2025 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 17.16 | 0.0 | 0.0 | 85.77 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2025 | Repayment | 17.16 | 16.33 | 0.83 | 0.0 | 0.0 | 83.67 | false | false |
# --- first interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2025 | 01 February 2025 | | | | | 5 |
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 83.84 | 16.16 | 0.82 | 0.0 | 0.0 | 16.98 | 16.98 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.63 | 0.35 | 0.0 | 0.0 | 16.98 | 0.18 | 0.18 | 0.0 | 16.8 |
| 3 | 31 | 01 April 2025 | | 50.51 | 16.7 | 0.28 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 4 | 30 | 01 May 2025 | | 33.74 | 16.77 | 0.21 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 5 | 31 | 01 June 2025 | | 16.9 | 16.84 | 0.14 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.9 | 0.07 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.87 | 0.0 | 0.0 | 101.87 | 17.16 | 0.18 | 0.0 | 84.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2025 | Repayment | 17.16 | 16.34 | 0.82 | 0.0 | 0.0 | 83.66 | false | true |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 01 February 2025 | None | Approved |
# --- second interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2025 | 01 February 2025 | | | | | 0 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 84.01 | 15.99 | 0.81 | 0.0 | 0.0 | 16.8 | 16.8 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.36 | 0.36 | 0.0 | 16.44 |
| 3 | 31 | 01 April 2025 | | 50.41 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 4 | 30 | 01 May 2025 | | 33.61 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 5 | 31 | 01 June 2025 | | 16.81 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.81 | 0.0 | 0.0 | 100.81 | 17.16 | 0.36 | 0.0 | 83.65 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2025 | Repayment | 17.16 | 16.35 | 0.81 | 0.0 | 0.0 | 83.65 | false | true |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 01 February 2025 | None | Approved |
| 01 February 2025 | None | Approved |
@TestRailId:C4576
Scenario: Verify multiple interest rate changes on same day, UC3: on midterm date
When Admin sets the business date to "1 January 2025"
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2025 | 100 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2025" with "100" amount and expected disbursement date on "1 January 2025"
And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount
And Admin sets the business date to "15 January 2025"
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 3 | 31 | 01 April 2025 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2025 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2025 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 0.0 | 0.0 | 0.0 | 102.93 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- first interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 15 January 2025 | 15 January 2025 | | | | | 5 |
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.65 | 16.35 | 0.59 | 0.0 | 0.0 | 16.94 | 0.0 | 0.0 | 0.0 | 16.94 |
| 2 | 28 | 01 March 2025 | | 67.06 | 16.59 | 0.35 | 0.0 | 0.0 | 16.94 | 0.0 | 0.0 | 0.0 | 16.94 |
| 3 | 31 | 01 April 2025 | | 50.4 | 16.66 | 0.28 | 0.0 | 0.0 | 16.94 | 0.0 | 0.0 | 0.0 | 16.94 |
| 4 | 30 | 01 May 2025 | | 33.67 | 16.73 | 0.21 | 0.0 | 0.0 | 16.94 | 0.0 | 0.0 | 0.0 | 16.94 |
| 5 | 31 | 01 June 2025 | | 16.87 | 16.8 | 0.14 | 0.0 | 0.0 | 16.94 | 0.0 | 0.0 | 0.0 | 16.94 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.87 | 0.07 | 0.0 | 0.0 | 16.94 | 0.0 | 0.0 | 0.0 | 16.94 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.64 | 0.0 | 0.0 | 101.64 | 0.0 | 0.0 | 0.0 | 101.64 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 15 January 2025 | None | Approved |
# --- second interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 15 January 2025 | 15 January 2025 | | | | | 0 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.63 | 16.37 | 0.35 | 0.0 | 0.0 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 |
| 2 | 28 | 01 March 2025 | | 66.91 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 |
| 3 | 31 | 01 April 2025 | | 50.19 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 |
| 4 | 30 | 01 May 2025 | | 33.47 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 |
| 5 | 31 | 01 June 2025 | | 16.75 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 | 0.0 | 0.0 | 0.0 | 16.72 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.75 | 0.0 | 0.0 | 0.0 | 16.75 | 0.0 | 0.0 | 0.0 | 16.75 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.35 | 0.0 | 0.0 | 100.35 | 0.0 | 0.0 | 0.0 | 100.35 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 15 January 2025 | None | Approved |
| 15 January 2025 | None | Approved |
@TestRailId:C4577
Scenario: Verify multiple interest rate changes on same day, UC4: on due date with third change
When Admin sets the business date to "1 January 2025"
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2025 | 100 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2025" with "100" amount and expected disbursement date on "1 January 2025"
And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount
And Admin sets the business date to "1 February 2025"
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 3 | 31 | 01 April 2025 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2025 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2025 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 0.0 | 0.0 | 0.0 | 102.93 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- first interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2025 | 01 February 2025 | | | | | 5 |
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.84 | 16.16 | 0.82 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.63 | 0.35 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 3 | 31 | 01 April 2025 | | 50.51 | 16.7 | 0.28 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 4 | 30 | 01 May 2025 | | 33.74 | 16.77 | 0.21 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 5 | 31 | 01 June 2025 | | 16.9 | 16.84 | 0.14 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.9 | 0.07 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.87 | 0.0 | 0.0 | 101.87 | 0.0 | 0.0 | 0.0 | 101.87 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 01 February 2025 | None | Approved |
# --- second interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2025 | 01 February 2025 | | | | | 0 |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 84.01 | 15.99 | 0.81 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 3 | 31 | 01 April 2025 | | 50.41 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 4 | 30 | 01 May 2025 | | 33.61 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 5 | 31 | 01 June 2025 | | 16.81 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.81 | 0.0 | 0.0 | 100.81 | 0.0 | 0.0 | 0.0 | 100.81 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 01 February 2025 | None | Approved |
| 01 February 2025 | None | Approved |
# --- third interest rate change ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2025 | 01 February 2025 | | | | | 5 |
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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 83.84 | 16.16 | 0.82 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 2 | 28 | 01 March 2025 | | 67.21 | 16.63 | 0.35 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 3 | 31 | 01 April 2025 | | 50.51 | 16.7 | 0.28 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 4 | 30 | 01 May 2025 | | 33.74 | 16.77 | 0.21 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 5 | 31 | 01 June 2025 | | 16.9 | 16.84 | 0.14 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
| 6 | 30 | 01 July 2025 | | 0.0 | 16.9 | 0.07 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.87 | 0.0 | 0.0 | 101.87 | 0.0 | 0.0 | 0.0 | 101.87 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
And Loan Reschedule tab has the following data:
| From Date | Reason | Status |
| 01 February 2025 | None | Approved |
| 01 February 2025 | None | Approved |
| 01 February 2025 | None | Approved |