FINERACT-2421: Adjust interest with MIR and CBR results in improper allocations

This commit is contained in:
Jose Alberto Hernandez
2026-02-02 18:52:59 +01:00
committed by Adam Saghy
parent cc372286fa
commit 7b322481b8
23 changed files with 146 additions and 66 deletions
@@ -1636,6 +1636,10 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom<Long> {
return this.loanTermVariations.stream().filter(LoanTermVariations::isActive).collect(Collectors.toList());
}
public void setLoanTermVariations(List<LoanTermVariations> loanTermVariations) {
this.loanTermVariations = loanTermVariations;
}
public boolean isTopup() {
return this.isTopup;
}
@@ -179,9 +179,11 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
}
if (loanTransaction.isRepaymentLikeType() || loanTransaction.isInterestWaiver() || loanTransaction.isRecoveryRepayment()) {
Loan loan = loanTransaction.getLoan();
// pass through for new transactions
if (loanTransaction.getId() == null) {
processLatestTransaction(loanTransaction, new TransactionCtx(currency, installments, charges, overpaymentHolder, null));
processLatestTransaction(loanTransaction, new TransactionCtx(currency, installments, charges, overpaymentHolder, null,
loan.getActiveLoanTermVariations()));
loanTransaction.adjustInterestComponent();
} else {
/**
@@ -192,8 +194,8 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
// Reset derived component of new loan transaction and
// re-process transaction
processLatestTransaction(newLoanTransaction,
new TransactionCtx(currency, installments, charges, overpaymentHolder, null));
processLatestTransaction(newLoanTransaction, new TransactionCtx(currency, installments, charges, overpaymentHolder,
null, loan.getActiveLoanTermVariations()));
newLoanTransaction.adjustInterestComponent();
/**
* Check if the transaction amounts have changed. If so, reverse the original transaction and update
@@ -26,6 +26,7 @@ import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTermVariations;
@Data
@AllArgsConstructor
@@ -36,4 +37,5 @@ public class TransactionCtx {
private final Set<LoanCharge> charges;
private final MoneyHolder overpaymentHolder;
private final ChangedTransactionDetail changedTransactionDetail;
private final List<LoanTermVariations> activeLoanTermVariations;
}
@@ -18,26 +18,22 @@
*/
package org.apache.fineract.portfolio.loanaccount.rescheduleloan.handler;
import lombok.RequiredArgsConstructor;
import org.apache.fineract.commands.annotation.CommandType;
import org.apache.fineract.commands.handler.NewCommandSourceHandler;
import org.apache.fineract.infrastructure.core.api.JsonCommand;
import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
import org.apache.fineract.portfolio.loanaccount.rescheduleloan.service.LoanRescheduleRequestWritePlatformService;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Service;
import org.springframework.transaction.annotation.Transactional;
@Service
@RequiredArgsConstructor
@CommandType(entity = "RESCHEDULELOAN", action = "APPROVE")
public class ApproveLoanRescheduleRequestCommandHandler implements NewCommandSourceHandler {
private final LoanRescheduleRequestWritePlatformService loanRescheduleRequestWritePlatformService;
@Autowired
public ApproveLoanRescheduleRequestCommandHandler(LoanRescheduleRequestWritePlatformService loanRescheduleRequestWritePlatformService) {
this.loanRescheduleRequestWritePlatformService = loanRescheduleRequestWritePlatformService;
}
@Transactional
@Override
public CommandProcessingResult processCommand(JsonCommand jsonCommand) {
@@ -18,26 +18,22 @@
*/
package org.apache.fineract.portfolio.loanaccount.rescheduleloan.handler;
import lombok.RequiredArgsConstructor;
import org.apache.fineract.commands.annotation.CommandType;
import org.apache.fineract.commands.handler.NewCommandSourceHandler;
import org.apache.fineract.infrastructure.core.api.JsonCommand;
import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
import org.apache.fineract.portfolio.loanaccount.rescheduleloan.service.LoanRescheduleRequestWritePlatformService;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Service;
import org.springframework.transaction.annotation.Transactional;
@Service
@RequiredArgsConstructor
@CommandType(entity = "RESCHEDULELOAN", action = "CREATE")
public class CreateLoanRescheduleRequestCommandHandler implements NewCommandSourceHandler {
private final LoanRescheduleRequestWritePlatformService loanRescheduleRequestWritePlatformService;
@Autowired
public CreateLoanRescheduleRequestCommandHandler(LoanRescheduleRequestWritePlatformService loanRescheduleRequestWritePlatformService) {
this.loanRescheduleRequestWritePlatformService = loanRescheduleRequestWritePlatformService;
}
@Transactional
@Override
public CommandProcessingResult processCommand(JsonCommand jsonCommand) {
@@ -18,26 +18,22 @@
*/
package org.apache.fineract.portfolio.loanaccount.rescheduleloan.handler;
import lombok.RequiredArgsConstructor;
import org.apache.fineract.commands.annotation.CommandType;
import org.apache.fineract.commands.handler.NewCommandSourceHandler;
import org.apache.fineract.infrastructure.core.api.JsonCommand;
import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
import org.apache.fineract.portfolio.loanaccount.rescheduleloan.service.LoanRescheduleRequestWritePlatformService;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Service;
import org.springframework.transaction.annotation.Transactional;
@Service
@RequiredArgsConstructor
@CommandType(entity = "RESCHEDULELOAN", action = "REJECT")
public class RejectLoanRescheduleRequestCommandHandler implements NewCommandSourceHandler {
private final LoanRescheduleRequestWritePlatformService loanRescheduleRequestWritePlatformService;
@Autowired
public RejectLoanRescheduleRequestCommandHandler(LoanRescheduleRequestWritePlatformService loanRescheduleRequestWritePlatformService) {
this.loanRescheduleRequestWritePlatformService = loanRescheduleRequestWritePlatformService;
}
@Transactional
@Override
public CommandProcessingResult processCommand(JsonCommand jsonCommand) {
@@ -22,6 +22,7 @@ import java.time.LocalDate;
import java.util.List;
import org.apache.fineract.organisation.monetary.domain.Money;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTermVariations;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
import org.springframework.transaction.annotation.Propagation;
@@ -33,5 +34,6 @@ public interface InterestRefundService {
@Transactional(readOnly = true, propagation = Propagation.REQUIRES_NEW)
Money totalInterestByTransactions(LoanRepaymentScheduleTransactionProcessor processor, Long loanId,
LocalDate relatedRefundTransactionDate, List<LoanTransaction> newTransactions, List<Long> oldTransactionIds);
LocalDate relatedRefundTransactionDate, List<LoanTransaction> newTransactions, List<Long> oldTransactionIds,
List<LoanTermVariations> activeLoanTermVariations);
}
@@ -597,7 +597,7 @@ public class LoanChargeService {
loanCharges.add(charge);
loanTransactionProcessingService.processLatestTransaction(loan.getTransactionProcessingStrategyCode(), chargesPayment,
new TransactionCtx(loan.getCurrency(), chargePaymentInstallments, loanCharges,
new MoneyHolder(loan.getTotalOverpaidAsMoney()), null));
new MoneyHolder(loan.getTotalOverpaidAsMoney()), null, loan.getActiveLoanTermVariations()));
loanLifecycleStateMachine.determineAndTransition(loan, chargesPayment.getTransactionDate());
}
@@ -140,7 +140,7 @@ public class LoanDownPaymentHandlerServiceImpl implements LoanDownPaymentHandler
if (processLatest) {
loanTransactionProcessingService.processLatestTransaction(loan.getTransactionProcessingStrategyCode(), loanTransaction,
new TransactionCtx(loan.getCurrency(), loan.getRepaymentScheduleInstallments(), loan.getActiveCharges(),
new MoneyHolder(loan.getTotalOverpaidAsMoney()), null));
new MoneyHolder(loan.getTotalOverpaidAsMoney()), null, loan.getActiveLoanTermVariations()));
if (!loan.isProgressiveSchedule() && loan.isInterestBearingAndInterestRecalculationEnabled()) {
if (currentInstallment == null || currentInstallment.isNotFullyPaidOff()) {
reprocessOnPostConditions = true;
@@ -83,7 +83,7 @@ public class LoanRefundService {
loadTransactionProcessingService.processLatestTransaction(loan.getTransactionProcessingStrategyCode(), loanTransaction,
new TransactionCtx(loan.getCurrency(), loan.getRepaymentScheduleInstallments(), loan.getActiveCharges(),
new MoneyHolder(loan.getTotalOverpaidAsMoney()), null));
new MoneyHolder(loan.getTotalOverpaidAsMoney()), null, loan.getActiveLoanTermVariations()));
loanLifecycleStateMachine.determineAndTransition(loan, loanTransaction.getTransactionDate());
}