FINERACT-1971: Down payment (auto) transaction using installment multiples of setting

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java

@@ -2968,7 +2968,9 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
         }
         Money downPaymentMoney = Money.of(getCurrency(),
                 MathUtil.percentageOf(disbursementTransaction.getAmount(), disbursedAmountPercentageForDownPayment, 19));
-
+        if (getLoanProduct().getInstallmentAmountInMultiplesOf() != null) {
+            downPaymentMoney = Money.roundToMultiplesOf(downPaymentMoney, getLoanProduct().getInstallmentAmountInMultiplesOf());
+        }
         Money adjustedDownPaymentMoney = switch (getLoanProductRelatedDetail().getLoanScheduleType()) {
             // For Cumulative loan: To check whether the loan was overpaid when the disbursement happened and to get the
             // proper amount after the disbursement we are using two balances:

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/LoanApplicationTerms.java

@@ -1206,10 +1206,11 @@ public final class LoanApplicationTerms {
             double installmentAmount = FinanicalFunctions.pmt(periodicInterestRate.doubleValue(), periodsRemaining.doubleValue(),
                     principalDouble, futureValue, false);
 
+            BigDecimal fixedEmiAmount = BigDecimal.valueOf(installmentAmount);
             if (this.installmentAmountInMultiplesOf != null) {
-                installmentAmount = Money.roundToMultiplesOf(installmentAmount, this.installmentAmountInMultiplesOf);
+                fixedEmiAmount = Money.roundToMultiplesOf(fixedEmiAmount, this.installmentAmountInMultiplesOf);
             }
-            setFixedEmiAmount(BigDecimal.valueOf(installmentAmount));
+            setFixedEmiAmount(fixedEmiAmount);
         }
         return getFixedEmiAmount().doubleValue();
     }