FINERACT-2081: Interest recalculation only for interest bearing loans

fineract-provider/src/main/java/org/apache/fineract/cob/loan/LoanInterestRecalculationCOBBusinessStep.java

@@ -35,8 +35,7 @@ public class LoanInterestRecalculationCOBBusinessStep implements LoanCOBBusiness
 
     @Override
     public Loan execute(Loan loan) {
-        if (!loan.isInterestBearing() || !loan.getStatus().isActive() || loan.isNpa() || loan.isChargedOff()
-                || !loan.isInterestRecalculationEnabled()
+        if (!loan.getStatus().isActive() || loan.isNpa() || loan.isChargedOff() || !loan.isInterestBearingAndInterestRecalculationEnabled()
                 || loan.getLoanInterestRecalculationDetails().disallowInterestCalculationOnPastDue()) {
             log.debug(
                     "Skip processing loan interest recalculation [{}] - Possible reasons: Loan is not an interest bearing loan, Loan is not active, Interest recalculation on past due is disabled on this loan",

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanAccountDomainServiceJpa.java

@@ -246,7 +246,7 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
         }
 
         LocalDate recalculateFrom = null;
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             recalculateFrom = transactionDate;
         }
         final ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom,
@@ -267,7 +267,7 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
         final ChangedTransactionDetail changedTransactionDetail = makeRepayment(loan, newRepaymentTransaction,
                 defaultLoanLifecycleStateMachine, existingTransactionIds, existingReversedTransactionIds, scheduleGeneratorDTO);
 
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
@@ -294,8 +294,8 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
             this.noteRepository.save(note);
         }
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
 
         setLoanDelinquencyTag(loan, transactionDate);
 
@@ -495,8 +495,8 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
             this.noteRepository.save(note);
         }
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
         businessEventNotifierService.notifyPostBusinessEvent(new LoanChargePaymentPostBusinessEvent(newPaymentTransaction));
 
@@ -729,8 +729,8 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
             this.noteRepository.save(note);
         }
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
         businessEventNotifierService
                 .notifyPostBusinessEvent(new LoanCreditBalanceRefundPostBusinessEvent(newCreditBalanceRefundTransaction));
@@ -783,8 +783,8 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
             this.noteRepository.save(note);
         }
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
         businessEventNotifierService.notifyPostBusinessEvent(new LoanRefundPostBusinessEvent(newRefundTransaction));
 
@@ -845,7 +845,7 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
                 defaultLoanLifecycleStateMachine, scheduleGeneratorDTO);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
 
@@ -959,7 +959,7 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
 
         final LoanRepaymentScheduleInstallment currentInstallment = loan.fetchLoanRepaymentScheduleInstallmentByDueDate(transactionDate);
 
-        boolean reprocess = loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled() //
+        boolean reprocess = loan.isInterestBearingAndInterestRecalculationEnabled() //
                 || loan.isForeclosure() //
                 || !isTransactionChronologicallyLatest //
                 || !DateUtils.isEqualBusinessDate(transactionDate) //
@@ -978,7 +978,7 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
                                 new MoneyHolder(loan.getTotalOverpaidAsMoney()), null));
             }
         } else {
-            if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
             } else if (loan.getLoanProductRelatedDetail() != null
                     && loan.getLoanProductRelatedDetail().getLoanScheduleType().equals(LoanScheduleType.PROGRESSIVE)

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/service/LoanScheduleCalculationPlatformServiceImpl.java

@@ -88,8 +88,7 @@ public class LoanScheduleCalculationPlatformServiceImpl implements LoanScheduleC
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = loanRepaymentScheduleTransactionProcessorFactory
                 .determineProcessor(loan.transactionProcessingStrategy());
 
-        if (!loan.repaymentScheduleDetail().isInterestRecalculationEnabled() || loan.isNpa() || loan.isChargedOff()
-                || !loan.getStatus().isActive()
+        if (!loan.isInterestBearingAndInterestRecalculationEnabled() || loan.isNpa() || loan.isChargedOff() || !loan.getStatus().isActive()
                 || !loanRepaymentScheduleTransactionProcessor.isInterestFirstRepaymentScheduleTransactionProcessor()) {
             return;
         }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/serialization/LoanForeclosureValidator.java

@@ -28,7 +28,7 @@ import org.springframework.stereotype.Component;
 public final class LoanForeclosureValidator {
 
     public void validateForForeclosure(final Loan loan, final LocalDate transactionDate) {
-        if (loan.isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             final String defaultUserMessage = "The loan with interest recalculation enabled cannot be foreclosed.";
             throw new LoanForeclosureException("loan.with.interest.recalculation.enabled.cannot.be.foreclosured", defaultUserMessage,
                     loan.getId());

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/serialization/LoanTransactionValidator.java

@@ -685,7 +685,7 @@ public final class LoanTransactionValidator {
     }
 
     public void validateActivityNotBeforeLastTransactionDate(final Loan loan, final LocalDate activityDate, final LoanEvent event) {
-        if (!(loan.repaymentScheduleDetail().isInterestRecalculationEnabled() || loan.loanProduct().isHoldGuaranteeFunds())
+        if (!(loan.isInterestBearingAndInterestRecalculationEnabled() || loan.loanProduct().isHoldGuaranteeFunds())
                 || !loan.getLoanRepaymentScheduleDetail().getLoanScheduleType().equals(LoanScheduleType.CUMULATIVE)) {
             return;
         }
@@ -985,8 +985,7 @@ public final class LoanTransactionValidator {
     private void validateTransactionNotBeforeLastTransactionDate(final Loan loan, LoanTransactionType loanTransactionType,
             final LocalDate transactionDate) {
         if (!((LoanScheduleType.CUMULATIVE.equals(loan.getLoanProductRelatedDetail().getLoanScheduleType())
-                && loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled())
-                || loan.getLoanProduct().isHoldGuaranteeFunds())) {
+                && loan.isInterestBearingAndInterestRecalculationEnabled()) || loan.getLoanProduct().isHoldGuaranteeFunds())) {
             return;
         }
         LocalDate lastTransactionDate = loan.getLastUserTransactionDate();

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanApplicationWritePlatformServiceJpaRepositoryImpl.java

@@ -280,7 +280,7 @@ public class LoanApplicationWritePlatformServiceJpaRepositoryImpl implements Loa
             // TODO: check whether this is needed!
             this.loanRepositoryWrapper.saveAndFlush(loan);
             // Save interest recalculation calendar
-            if (loan.getLoanProductRelatedDetail().isInterestRecalculationEnabled()
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()
                     && changes.containsKey(LoanProductConstants.IS_INTEREST_RECALCULATION_ENABLED_PARAMETER_NAME)) {
                 createAndPersistCalendarInstanceForInterestRecalculation(loan);
             }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanChargeWritePlatformServiceImpl.java

@@ -268,7 +268,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
         boolean reprocessRequired = true;
         // overpaid transactions will be reprocessed and pay this charge
         boolean overpaidReprocess = !loanCharge.isDueAtDisbursement() && !loanCharge.isPaid() && loan.getStatus().isOverpaid();
-        if (!overpaidReprocess && loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (!overpaidReprocess && loan.isInterestBearingAndInterestRecalculationEnabled()) {
             if (isAppliedOnBackDate && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
                 loan = runScheduleRecalculation(loan, recalculateFrom);
                 reprocessRequired = false;
@@ -308,7 +308,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
             loan = loanAccountDomainService.saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
         }
 
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() && isAppliedOnBackDate
+        if (loan.isInterestBearingAndInterestRecalculationEnabled() && isAppliedOnBackDate
                 && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
             loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, true, false);
         }
@@ -558,7 +558,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
                 existingTransactionIds, existingReversedTransactionIds, loanInstallmentNumber, scheduleGeneratorDTO, accruedCharge,
                 externalId);
 
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()
                 && DateUtils.isBefore(loanCharge.getDueLocalDate(), DateUtils.getBusinessLocalDate())) {
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
@@ -810,7 +810,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
                 recalculateFrom = recalculatedTill;
             }
 
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 if (runInterestRecalculation && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
                     loan = runScheduleRecalculation(loan, recalculateFrom);
                     reprocessRequired = false;
@@ -839,7 +839,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
                 loan = loanAccountDomainService.saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
             }
 
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() && runInterestRecalculation
+            if (loan.isInterestBearingAndInterestRecalculationEnabled() && runInterestRecalculation
                     && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
                 loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, true, false);
             }
@@ -865,7 +865,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = loanRepaymentScheduleTransactionProcessorFactory
                 .determineProcessor(loan.transactionProcessingStrategy());
         loan.addLoanTransaction(loanChargeAdjustmentTransaction);
-        if (loan.isInterestBearing() && loan.getLoanProductRelatedDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             if (loan.getLoanProductRelatedDetail() != null
                     && loan.getLoanProductRelatedDetail().getLoanScheduleType().equals(LoanScheduleType.PROGRESSIVE)
                     && loan.getLoanTransactions().stream().anyMatch(LoanTransaction::isChargeOff)) {
@@ -1019,7 +1019,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
         } else if (loanCharge.getDueLocalDate() != null) {
             // TODO: Review, error message seems not valid if interest recalculation is not enabled.
             boolean isCumulative = loan.getLoanRepaymentScheduleDetail().getLoanScheduleType().equals(LoanScheduleType.CUMULATIVE);
-            LocalDate validationDate = loan.repaymentScheduleDetail().isInterestRecalculationEnabled() && isCumulative
+            LocalDate validationDate = loan.isInterestBearingAndInterestRecalculationEnabled() && isCumulative
                     ? loan.getLastUserTransactionDate()
                     : loan.getDisbursementDate();
             if (DateUtils.isBefore(loanCharge.getDueLocalDate(), validationDate)) {
@@ -1027,7 +1027,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
                 throw new LoanChargeCannotBeAddedException("loanCharge", "date.is.before.last.transaction.date", defaultUserMessage, null,
                         chargeDefinition.getName());
             }
-        } else if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        } else if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             if (loanCharge.isInstalmentFee() && loan.getStatus().isActive()) {
                 final String defaultUserMessage = "installment charge addition not allowed after disbursement";
                 throw new LoanChargeCannotBeAddedException("loanCharge", "installment.charge", defaultUserMessage, null,
@@ -1173,7 +1173,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
     }
 
     public Loan runScheduleRecalculation(Loan loan, final LocalDate recalculateFrom) {
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() && !loan.isChargedOff()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled() && !loan.isChargedOff()) {
             final List<Long> existingTransactionIds = loan.findExistingTransactionIds();
             ScheduleGeneratorDTO generatorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
             ChangedTransactionDetail changedTransactionDetail = loanScheduleService
@@ -1456,8 +1456,7 @@ public class LoanChargeWritePlatformServiceImpl implements LoanChargeWritePlatfo
                 waiveLoanChargeTransaction.getAmount(loan.getCurrency()).getAmount(), loanInstallmentNumber);
         waiveLoanChargeTransaction.getLoanChargesPaid().add(loanChargePaidBy);
         loan.addLoanTransaction(waiveLoanChargeTransaction);
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()
-                && DateUtils.isBefore(loanCharge.getDueLocalDate(), businessDate)) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled() && DateUtils.isBefore(loanCharge.getDueLocalDate(), businessDate)) {
             loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
         } else if (loan.getLoanProductRelatedDetail() != null
                 && loan.getLoanProductRelatedDetail().getLoanScheduleType().equals(LoanScheduleType.PROGRESSIVE)

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanUtilService.java

@@ -92,7 +92,7 @@ public class LoanUtilService {
         CalendarInstance restCalendarInstance = null;
         CalendarInstance compoundingCalendarInstance = null;
         Long overdurPenaltyWaitPeriod = null;
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_REST_DETAIL.getValue());
             compoundingCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java

@@ -426,7 +426,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             regenerateScheduleOnDisbursement(command, loan, recalculateSchedule, scheduleGeneratorDTO, nextPossibleRepaymentDate,
                     rescheduledRepaymentDate);
             boolean downPaymentEnabled = loan.repaymentScheduleDetail().isEnableDownPayment();
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() || downPaymentEnabled) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled() || downPaymentEnabled) {
                 createAndSaveLoanScheduleArchive(loan, scheduleGeneratorDTO);
             }
             ChangedTransactionDetail changedTransactionDetail = disburseLoan(command, isPaymentTypeApplicableForDisbursementCharge,
@@ -436,7 +436,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
 
             LocalDate firstInstallmentDueDate = loan.fetchRepaymentScheduleInstallment(1).getDueDate();
-            if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()
                     && (DateUtils.isBeforeBusinessDate(firstInstallmentDueDate) || loan.isDisbursementMissed())) {
                 loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
             }
@@ -481,7 +481,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 } else {
                     loanDownPaymentHandlerService.handleDownPayment(scheduleGeneratorDTO, command, disbursementTransaction, loan);
                     loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-                    if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+                    if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                         loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
                     }
                 }
@@ -518,8 +518,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO);
         }
         updateRecurringCalendarDatesForInterestRecalculation(loan);
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         this.loanAccountDomainService.setLoanDelinquencyTag(loan, DateUtils.getBusinessLocalDate());
 
         // Post Dated Checks
@@ -584,7 +584,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         boolean disbursementMissedParam = loan.isDisbursementMissed();
         LocalDate firstInstallmentDueDate = loan.fetchRepaymentScheduleInstallment(1).getDueDate();
-        if ((loan.repaymentScheduleDetail().isInterestRecalculationEnabled()
+        if ((loan.isInterestBearingAndInterestRecalculationEnabled()
                 && (DateUtils.isBeforeBusinessDate(firstInstallmentDueDate) || disbursementMissedParam))) {
             loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
         }
@@ -681,7 +681,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
     private void updateRecurringCalendarDatesForInterestRecalculation(final Loan loan) {
 
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()
                 && loan.loanInterestRecalculationDetails().getRestFrequencyType().isSameAsRepayment()) {
             final CalendarInstance calendarInstanceForInterestRecalculation = this.calendarInstanceRepository
                     .findByEntityIdAndEntityTypeIdAndCalendarTypeId(loan.loanInterestRecalculationDetailId(),
@@ -810,7 +810,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 regenerateScheduleOnDisbursement(command, loan, recalculateSchedule, scheduleGeneratorDTO, nextPossibleRepaymentDate,
                         rescheduledRepaymentDate);
                 boolean downPaymentEnabled = loan.repaymentScheduleDetail().isEnableDownPayment();
-                if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() || downPaymentEnabled) {
+                if (loan.isInterestBearingAndInterestRecalculationEnabled() || downPaymentEnabled) {
                     createAndSaveLoanScheduleArchive(loan, scheduleGeneratorDTO);
                 }
                 changedTransactionDetail = disburseLoan(command, configurationDomainService.isPaymentTypeApplicableForDisbursementCharge(),
@@ -819,7 +819,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 loanAccrualsProcessingService.reprocessExistingAccruals(loan);
 
                 LocalDate firstInstallmentDueDate = loan.fetchRepaymentScheduleInstallment(1).getDueDate();
-                if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()
+                if (loan.isInterestBearingAndInterestRecalculationEnabled()
                         && (DateUtils.isBeforeBusinessDate(firstInstallmentDueDate) || loan.isDisbursementMissed())) {
                     loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
                 }
@@ -865,7 +865,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             }
             updateRecurringCalendarDatesForInterestRecalculation(loan);
             loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                    loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), true);
+                    loan.isInterestBearingAndInterestRecalculationEnabled(), true);
             loanAccountDomainService.setLoanDelinquencyTag(loan, DateUtils.getBusinessLocalDate());
             businessEventNotifierService.notifyPostBusinessEvent(new LoanDisbursalBusinessEvent(loan));
         }
@@ -1081,7 +1081,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             LoanTransaction newInterestPaymentWaiverTransaction) {
         LocalDate recalculateFrom = null;
         LocalDate transactionDate = newInterestPaymentWaiverTransaction.getTransactionDate();
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             recalculateFrom = transactionDate;
         }
         final ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom, null);
@@ -1107,13 +1107,13 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             reprocess = false;
         }
 
-        if (isTransactionChronologicallyLatest && (!reprocess || !loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled())
+        if (isTransactionChronologicallyLatest && (!reprocess || !loan.isInterestBearingAndInterestRecalculationEnabled())
                 && !loan.isForeclosure()) {
             loanRepaymentScheduleTransactionProcessor.processLatestTransaction(newInterestPaymentWaiverTransaction,
                     new TransactionCtx(loan.getCurrency(), loan.getRepaymentScheduleInstallments(), loan.getActiveCharges(),
                             new MoneyHolder(loan.getTotalOverpaidAsMoney()), null));
             reprocess = false;
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 if (currentInstallment == null || currentInstallment.isNotFullyPaidOff()) {
                     reprocess = true;
                 } else {
@@ -1140,7 +1140,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
     private ChangedTransactionDetail reprocessChangedLoanTransactions(Loan loan,
             LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor,
             ScheduleGeneratorDTO scheduleGeneratorDTO) {
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
 
         } else if (loan.getLoanProductRelatedDetail() != null
@@ -1151,7 +1151,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         ChangedTransactionDetail changedTransactionDetail = loan.reprocessTransactions();
 
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
@@ -1192,8 +1192,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         saveNote(noteText, loan, newInterestPaymentWaiverTransaction);
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         loanAccountDomainService.setLoanDelinquencyTag(loan, newInterestPaymentWaiverTransaction.getTransactionDate());
 
         // disable all active standing orders linked to this loan if status changes to closed
@@ -1432,7 +1432,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         LocalDate recalculateFrom = null;
 
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             recalculateFrom = DateUtils.isAfter(transactionToAdjust.getTransactionDate(), transactionDate) ? transactionDate
                     : transactionToAdjust.getTransactionDate();
         }
@@ -1456,7 +1456,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 scheduleGeneratorDTO, reversalTxnExternalId);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
 
@@ -1512,8 +1512,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             loan.updateLoanSummaryAndStatus();
         }
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
 
         this.loanAccountDomainService.setLoanDelinquencyTag(loan, DateUtils.getBusinessLocalDate());
 
@@ -1635,7 +1635,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             throw new PlatformServiceUnavailableException("error.msg.loan.chargeback.operation.not.allowed",
                     "Loan transaction:" + transactionId + " chargeback not allowed as loan status is written off", transactionId);
         }
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             throw new PlatformServiceUnavailableException("error.msg.loan.chargeback.operation.not.allowed",
                     "Loan transaction:" + transactionId + " chargeback not allowed as loan product is interest recalculation enabled",
                     transactionId);
@@ -1753,7 +1753,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 transactionDate, interestComponent, unrecognizedIncome, externalId);
         businessEventNotifierService.notifyPreBusinessEvent(new LoanWaiveInterestBusinessEvent(waiveInterestTransaction));
         LocalDate recalculateFrom = null;
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             recalculateFrom = transactionDate;
         }
 
@@ -1766,7 +1766,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         final ChangedTransactionDetail changedTransactionDetail = waiveInterest(loan, waiveInterestTransaction, loanLifecycleStateMachine,
                 existingTransactionIds, existingReversedTransactionIds, scheduleGeneratorDTO);
 
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
@@ -1796,8 +1796,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             this.noteRepository.save(note);
         }
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         loanAccountDomainService.setLoanDelinquencyTag(loan, DateUtils.getBusinessLocalDate());
 
         businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
@@ -1856,7 +1856,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         updateLoanCounters(loan, loan.getDisbursementDate());
 
         LocalDate recalculateFrom = null;
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             recalculateFrom = command.localDateValueOfParameterNamed("transactionDate");
         }
 
@@ -1879,7 +1879,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         if (changedTransactionDetail != null) {
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-            if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
             }
             LoanTransaction writeOff = changedTransactionDetail.getNewTransactionMappings().remove(0L);
@@ -1896,7 +1896,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 this.noteRepository.save(note);
             }
             loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                    loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+                    loan.isInterestBearingAndInterestRecalculationEnabled(), false);
             loanAccountDomainService.setLoanDelinquencyTag(loan, DateUtils.getBusinessLocalDate());
             businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
             businessEventNotifierService.notifyPostBusinessEvent(new LoanWrittenOffPostBusinessEvent(writeOff));
@@ -1938,7 +1938,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         updateLoanCounters(loan, loan.getDisbursementDate());
 
         LocalDate recalculateFrom = null;
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             recalculateFrom = command.localDateValueOfParameterNamed("transactionDate");
         }
 
@@ -1950,7 +1950,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 existingReversedTransactionIds, scheduleGeneratorDTO);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
 
@@ -1972,8 +1972,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
 
         loanAccrualTransactionBusinessEventService.raiseBusinessEventForAccrualTransactions(loan, existingTransactionIds);
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
 
         loanAccountDomainService.setLoanDelinquencyTag(loan, DateUtils.getBusinessLocalDate());
 
@@ -2387,7 +2387,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 }
 
                 holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate());
-                if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+                if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                     ScheduleGeneratorDTO scheduleGeneratorDTO = loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
                     loan.setHelpers(null, this.transactionProcessingStrategy);
                     loanScheduleService.recalculateScheduleFromLastTransaction(loan, scheduleGeneratorDTO, existingTransactionIds,
@@ -2402,7 +2402,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 }
 
                 loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-                if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+                if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                     loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
                 }
                 saveLoanWithDataIntegrityViolationChecks(loan);
@@ -2592,7 +2592,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         ChangedTransactionDetail changedTransactionDetail = undoWrittenOff(loan, loanLifecycleStateMachine, existingTransactionIds,
                 existingReversedTransactionIds);
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
         if (changedTransactionDetail != null) {
@@ -2605,8 +2605,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
         loan = saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
 
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
 
         businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
         businessEventNotifierService.notifyPostBusinessEvent(new LoanUndoWrittenOffBusinessEvent(writeOffTransaction));
@@ -2739,7 +2739,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         } else {
             loan.repaymentScheduleDetail().setPrincipal(loan.getPrincipalAmountForRepaymentSchedule());
 
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
             } else {
                 loanScheduleService.regenerateRepaymentSchedule(loan, scheduleGeneratorDTO);
@@ -2748,7 +2748,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
 
@@ -2761,11 +2761,11 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             replayedTransactionBusinessEventService.raiseTransactionReplayedEvents(changedTransactionDetail);
         }
         loan = saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             createLoanScheduleArchive(loan, scheduleGeneratorDTO);
         }
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         this.loanAccountDomainService.setLoanDelinquencyTag(loan, DateUtils.getBusinessLocalDate());
 
         postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
@@ -2821,7 +2821,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 existingTransactionIds, existingReversedTransactionIds);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
 
@@ -2834,8 +2834,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             replayedTransactionBusinessEventService.raiseTransactionReplayedEvents(changedTransactionDetail);
         }
         loan = saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         businessEventNotifierService.notifyPostBusinessEvent(new LoanInterestRecalculationBusinessEvent(loan));
 
         postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
@@ -2860,7 +2860,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
     @Override
     public void updateOriginalSchedule(Loan loan) {
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             final LocalDate recalculateFrom = null;
             ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
             createLoanScheduleArchive(loan, scheduleGeneratorDTO);
@@ -2909,7 +2909,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         if (loan.isActualDisbursedOnDateEarlierOrLaterThanExpected(actualDisbursementDate) || recalculateSchedule || isEmiAmountChanged
                 || rescheduledRepaymentDate != null) {
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
             } else {
                 loanScheduleService.regenerateRepaymentSchedule(loan, scheduleGeneratorDTO);
@@ -2917,7 +2917,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
 
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
 
@@ -3098,7 +3098,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 loan);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
 
@@ -3224,7 +3224,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         final LoanTransaction chargeOffTransaction = LoanTransaction.chargeOff(loan, transactionDate, txnExternalId);
 
-        if (loan.isInterestBearing() && loan.isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             final ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, null, null);
             loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
             loan.addLoanTransaction(chargeOffTransaction);
@@ -3310,7 +3310,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         if (loan.isProgressiveSchedule()) {
             final ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, null, null);
 
-            if (loan.isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
             } else {
                 loanScheduleService.regenerateRepaymentSchedule(loan, scheduleGeneratorDTO);
@@ -3359,7 +3359,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         Loan loan = this.loanAssembler.assembleFrom(loanId);
         // Build loan schedule generator dto
-        LocalDate recalculateFrom = loan.repaymentScheduleDetail().isInterestRecalculationEnabled() ? transactionDate : null;
+        LocalDate recalculateFrom = loan.isInterestBearingAndInterestRecalculationEnabled() ? transactionDate : null;
         final ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom, null);
         // Domain rule validations
         this.loanTransactionValidator.validateRefund(loan, loanTransactionType, transactionDate, scheduleGeneratorDTO);
@@ -3376,7 +3376,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         LoanTransaction refundTransaction = refundTransactions.getLeft();
         LoanTransaction interestRefundTransaction = refundTransactions.getRight();
         // Accrual reprocessing
-        if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
             loanAccrualsProcessingService.processIncomePostingAndAccruals(loan);
         }
@@ -3398,8 +3398,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             loanAccountDomainService.updateAndSaveLoanCollateralTransactionsForIndividualAccounts(loan, refundTransaction);
         }
         // Raise business events
-        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan,
-                loan.repaymentScheduleDetail().isInterestRecalculationEnabled(), false);
+        loanAccrualsProcessingService.processAccrualsOnInterestRecalculation(loan, loan.isInterestBearingAndInterestRecalculationEnabled(),
+                false);
         businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
 
         // Create journal entries for the new transaction(s)
@@ -3504,7 +3504,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
             updateLoanToPreDisbursalState(loan);
             if (isScheduleRegenerateRequired || isDisbursedAmountChanged || isEmiAmountChanged
-                    || loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+                    || loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 // clear off actual disbusrement date so schedule regeneration
                 // uses expected date.
 
@@ -3644,7 +3644,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             loan.getLoanRepaymentScheduleDetail().setPrincipal(loan.getDisbursedAmount());
             loan.removeDisbursementDetail();
             loanScheduleService.regenerateRepaymentSchedule(loan, scheduleGeneratorDTO);
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
                 loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);
             }
             if (loan.getLoanProductRelatedDetail() != null
@@ -3766,7 +3766,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         loan.getLoanRepaymentScheduleDetail().setPrincipal(loan.getPrincipalAmountForRepaymentSchedule());
 
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() && !(loan.getLoanProductRelatedDetail() != null
+        if (loan.isInterestBearingAndInterestRecalculationEnabled() && !(loan.getLoanProductRelatedDetail() != null
                 && loan.getLoanProductRelatedDetail().getLoanScheduleType().equals(LoanScheduleType.PROGRESSIVE)
                 && loan.getLoanTransactions().stream().anyMatch(LoanTransaction::isChargeOff))) {
             loanScheduleService.regenerateRepaymentScheduleWithInterestRecalculation(loan, scheduleGeneratorDTO);

fineract-provider/src/test/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImplTest.java

@@ -145,6 +145,7 @@ public class LoanDownPaymentHandlerServiceImplTest {
         when(loanForProcessing.getLoanRepaymentScheduleDetail()).thenReturn(loanRepaymentRelatedDetail);
         when(loanForProcessing.repaymentScheduleDetail()).thenReturn(loanRepaymentRelatedDetail);
         when(loanRepaymentRelatedDetail.isInterestRecalculationEnabled()).thenReturn(true);
+        when(loanForProcessing.isInterestBearingAndInterestRecalculationEnabled()).thenReturn(true);
         when(loanRepaymentRelatedDetail.getDisbursedAmountPercentageForDownPayment()).thenReturn(BigDecimal.valueOf(10));
         when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);
         when(loanForProcessing.loanCurrency()).thenReturn(loanCurrency);