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FINERACT-2311: Buy down fee - final amortization

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- early repayment
- write off
- charge-off
This commit is contained in:
adam.magyari
2025-07-15 10:46:55 +02:00
committed by Adam Saghy
parent 35c51278f9
commit 880580f736
8 changed files with 319 additions and 15 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature
+34 -12
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@@ -327,12 +327,17 @@ Feature:Feature: Buy Down Fees
When Loan Pay-off is made on "1 March 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 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 67.25 | 66.86 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.97 | 0.0 | 0.97 | 0.0 | 0.0 | 0.0 | false |
| 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 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 67.25 | 66.86 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.97 | 0.0 | 0.97 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 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 | |
@TestRailId:C3828
Scenario: Verify loan with Buy Down fees and early payoff and daily amortization - UC2.2
@@ -508,6 +513,11 @@ Feature:Feature: Buy Down Fees
| 01 March 2024 | Repayment | 67.25 | 66.86 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 17.03 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.03 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.03 | |
@TestRailId:C3772
Scenario: Verify loan with Buy Down fees and charge-off - UC3.1
@@ -556,12 +566,18 @@ Feature:Feature: Buy Down Fees
| EXPENSE | 744007 | Credit Loss/Bad Debt | 66.86 | |
| INCOME | 404001 | Interest Income Charge Off | 0.59 | |
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 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Accrual | 0.97 | 0.0 | 0.97 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Charge-off | 67.45 | 66.86 | 0.59 | 0.0 | 0.0 | 0.0 | false |
| 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 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Amortization | 33.52 | 0.0 | 33.52 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.97 | 0.0 | 0.97 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Charge-off | 67.45 | 66.86 | 0.59 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 16.48 | 0.0 | 16.48 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 16.48 |
| LIABILITY | 145024 | Deferred Capitalized Income | 16.48 | |
When Loan Pay-off is made on "1 March 2024"
Then Loan's all installments have obligations met
@@ -745,8 +761,14 @@ Feature:Feature: Buy Down Fees
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Charge-off | 67.45 | 66.86 | 0.59 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 16.48 | 0.0 | 16.48 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 16.48 |
| LIABILITY | 145024 | Deferred Capitalized Income | 16.48 | |
When Loan Pay-off is made on "1 March 2024"
Then Loan's all installments have obligations met