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FINERACT-2322: added e2e test with next payment data check

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MarianaDmytrivBinariks
2025-08-06 13:52:43 +02:00
committed by Adam Saghy
parent 28043ce438
commit 9c37ef437d
2 changed files with 813 additions and 0 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanDelinquencyStepDef.java
+27
View File
@@ -549,6 +549,33 @@ public class LoanDelinquencyStepDef extends AbstractStepDef {
.isEqualTo(expectedValuesList);
}
@Then("Loan has the following LOAN level next payment due data:")
public void loanNextPaymentDataCheck(DataTable table) throws IOException {
Response<PostLoansResponse> loanResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
long loanId = loanResponse.body().getLoanId();
List<String> expectedValuesList = table.asLists().get(1);
DelinquencyRange expectedDelinquencyRange = DelinquencyRange.valueOf(expectedValuesList.get(0));
String expectedDelinquencyRangeValue = expectedDelinquencyRange.getValue();
expectedValuesList.set(0, expectedDelinquencyRangeValue);
Response<GetLoansLoanIdResponse> loanDetails = loansApi.retrieveLoan(loanId, false, "", "", "").execute();
ErrorHelper.checkSuccessfulApiCall(loanDetails);
String actualDelinquencyRangeValue = loanDetails.body().getDelinquencyRange() == null ? "NO_DELINQUENCY"
: loanDetails.body().getDelinquencyRange().getClassification();
GetLoansLoanIdDelinquencySummary delinquent = loanDetails.body().getDelinquent();
String delinquentAmount = delinquent.getNextPaymentAmount() == null ? null
: new Utils.DoubleFormatter(delinquent.getNextPaymentAmount().doubleValue()).format();
List<String> actualValuesList = List.of(actualDelinquencyRangeValue,
delinquent.getNextPaymentDueDate() == null ? "null" : FORMATTER.format(delinquent.getNextPaymentDueDate()),
delinquentAmount);
assertThat(actualValuesList).as(ErrorMessageHelper.wrongValueInLoanLevelDelinquencyData(actualValuesList, expectedValuesList))
.isEqualTo(expectedValuesList);
}
@Then("Loan has the following INSTALLMENT level delinquency data:")
public void loanDelinquencyInstallmentLevelDataCheck(DataTable table) throws IOException {
Response<PostLoansResponse> loanResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
fineract-e2e-tests-runner/src/test/resources/features/LoanDelinquency.feature
+786
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@@ -1320,3 +1320,789 @@ Feature: LoanDelinquency
| 3 | RANGE_30 | 500.00 |
| 4 | RANGE_60 | 500.00 |
Then Installment level delinquency event has correct data
@TestRailId:C3930
Scenario: Verify nextPaymentAmount value with repayment on first installment - progressive loan, no interest recalculation, zero interest rate - UC1
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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 June 2024 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 August 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 31 | 01 September 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 30 | 01 October 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 250.0 |
When Admin sets the business date to "15 June 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 June 2024" with 50 EUR transaction amount
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 50.0 | 50.0 | 0.0 | 200.0 |
| 2 | 31 | 01 August 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 31 | 01 September 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 30 | 01 October 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0.0 | 0.0 | 0.0 | 1000.0 | 50.0 | 50.0 | 0.0 | 950.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 June 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 950.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 200.0 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 50.0 | 50.0 | 0.0 | 200.0 |
| 2 | 31 | 01 August 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 31 | 01 September 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 30 | 01 October 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0.0 | 0.0 | 0.0 | 1000.0 | 50.0 | 50.0 | 0.0 | 950.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 June 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 950.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 01 July 2024 | 200.0 |
When Loan Pay-off is made on "1 August 2024"
Then Loan's all installments have obligations met
@TestRailId:C3931
Scenario: Verify nextPaymentAmount value with penalty on first installment - progressive loan, no interest recalculation, non-zero interest rate - UC2
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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 June 2024 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 753.72 | 246.28 | 10.0 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 2 | 31 | 01 August 2024 | | 504.98 | 248.74 | 7.54 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 3 | 31 | 01 September 2024 | | 253.75 | 251.23 | 5.05 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 4 | 30 | 01 October 2024 | | 0.0 | 253.75 | 2.54 | 0.0 | 0.0 | 256.29 | 0.0 | 0.0 | 0.0 | 256.29 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 25.13 | 0.0 | 0.0 | 1025.13 | 0.0 | 0.0 | 0.0 | 1025.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 256.28 |
When Admin sets the business date to "20 June 2024"
When Admin runs inline COB job for Loan
And Admin adds "LOAN_NSF_FEE" due date charge with "20 June 2024" due date and 20 EUR transaction amount
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 753.72 | 246.28 | 10.0 | 0.0 | 20.0 | 276.28 | 0.0 | 0.0 | 0.0 | 276.28 |
| 2 | 31 | 01 August 2024 | | 504.98 | 248.74 | 7.54 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 3 | 31 | 01 September 2024 | | 253.75 | 251.23 | 5.05 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 4 | 30 | 01 October 2024 | | 0.0 | 253.75 | 2.54 | 0.0 | 0.0 | 256.29 | 0.0 | 0.0 | 0.0 | 256.29 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 25.13 | 0.0 | 20.0 | 1045.13 | 0.0 | 0.0 | 0.0 | 1045.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 19 June 2024 | Accrual | 6.0 | 0.0 | 6.0 | 0.0 | 0.0 | 0.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 276.28 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 753.72 | 246.28 | 10.0 | 0.0 | 20.0 | 276.28 | 0.0 | 0.0 | 0.0 | 276.28 |
| 2 | 31 | 01 August 2024 | | 504.98 | 248.74 | 7.54 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 3 | 31 | 01 September 2024 | | 253.75 | 251.23 | 5.05 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
| 4 | 30 | 01 October 2024 | | 0.0 | 253.75 | 2.54 | 0.0 | 0.0 | 256.29 | 0.0 | 0.0 | 0.0 | 256.29 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 25.13 | 0.0 | 20.0 | 1045.13 | 0.0 | 0.0 | 0.0 | 1045.13 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 01 July 2024 | 276.28 |
When Loan Pay-off is made on "1 August 2024"
Then Loan's all installments have obligations met
@TestRailId:C3932
Scenario: Verify nextPaymentAmount value with repayment at 2nd installment - progressive loan, no interest recalculation, the same as repayment period - UC3
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 June 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 343.33 |
When Admin sets the business date to "15 July 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 July 2024" with 343.33 EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 July 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 343.33 | 0.0 | 343.33 | 686.67 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 14 July 2024 | Accrual | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 |
| 15 July 2024 | Repayment | 343.33 | 333.33 | 10.0 | 0.0 | 0.0 | 666.67 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 343.33 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 July 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 |
| 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 343.33 | 0.0 | 343.33 | 686.67 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 343.33 |
When Loan Pay-off is made on "1 August 2024"
Then Loan's all installments have obligations met
@TestRailId:C3933
Scenario: Verify nextPaymentAmount value - progressive loan, interest recalculation daily - UC4
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 335.27 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.27 | 1.96 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.69 | 0.0 | 0.0 | 1011.69 | 0.0 | 0.0 | 0.0 | 1011.69 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 337.2 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 337.2 | 1.97 | 0.0 | 0.0 | 339.17 | 0.0 | 0.0 | 0.0 | 339.17 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 13.63 | 0.0 | 0.0 | 1013.63 | 0.0 | 0.0 | 0.0 | 1013.63 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 31 July 2024 | Accrual | 11.48 | 0.0 | 11.48 | 0.0 | 0.0 | 0.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 01 July 2024 | 337.23 |
When Admin sets the business date to "05 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 337.2 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 337.2 | 2.47 | 0.0 | 0.0 | 339.67 | 0.0 | 0.0 | 0.0 | 339.67 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 14.13 | 0.0 | 0.0 | 1014.13 | 0.0 | 0.0 | 0.0 | 1014.13 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_30 | 01 July 2024 | 337.23 |
When Loan Pay-off is made on "5 August 2024"
Then Loan's all installments have obligations met
@TestRailId:C3934
Scenario: Verify nextPaymentAmount value with chargeback - progressive loan, interest recalculation daily - UC5
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 335.27 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.27 | 1.96 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.69 | 0.0 | 0.0 | 1011.69 | 0.0 | 0.0 | 0.0 | 1011.69 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "25 June 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "25 June 2024" with 55 EUR transaction amount
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 12 EUR transaction amount for Payment nr. 1
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.55 | 343.45 | 5.78 | 0.0 | 0.0 | 349.23 | 55.0 | 55.0 | 0.0 | 294.23 |
| 2 | 31 | 01 August 2024 | | 335.22 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.22 | 1.96 | 0.0 | 0.0 | 337.18 | 0.0 | 0.0 | 0.0 | 337.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1012.0 | 11.64 | 0.0 | 0.0 | 1023.64 | 55.0 | 55.0 | 0.0 | 968.64 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 24 June 2024 | Accrual | 4.47 | 0.0 | 4.47 | 0.0 | 0.0 | 0.0 |
| 25 June 2024 | Repayment | 55.0 | 55.0 | 0.0 | 0.0 | 0.0 | 945.0 |
| 25 June 2024 | Chargeback | 12.0 | 12.0 | 0.0 | 0.0 | 0.0 | 957.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 294.23 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.55 | 343.45 | 5.78 | 0.0 | 0.0 | 349.23 | 55.0 | 55.0 | 0.0 | 294.23 |
| 2 | 31 | 01 August 2024 | | 336.9 | 331.65 | 5.58 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 336.9 | 1.97 | 0.0 | 0.0 | 338.87 | 0.0 | 0.0 | 0.0 | 338.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1012.0 | 13.33 | 0.0 | 0.0 | 1025.33 | 55.0 | 55.0 | 0.0 | 970.33 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 01 July 2024 | 294.23 |
When Admin sets the business date to "05 August 2024"
When Admin runs inline COB job for Loan
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_30 | 01 July 2024 | 294.23 |
When Loan Pay-off is made on "5 August 2024"
Then Loan's all installments have obligations met
@TestRailId:C3935
Scenario: Verify nextPaymentAmount value with full repayment on first installment - progressive loan, interest recalculation daily - UC6
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 335.27 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.27 | 1.96 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.69 | 0.0 | 0.0 | 1011.69 | 0.0 | 0.0 | 0.0 | 1011.69 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "25 June 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "25 June 2024" with 337.23 EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | | 334.88 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 334.88 | 1.95 | 0.0 | 0.0 | 336.83 | 0.0 | 0.0 | 0.0 | 336.83 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.29 | 0.0 | 0.0 | 1011.29 | 337.23 | 337.23 | 0.0 | 674.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 24 June 2024 | Accrual | 4.47 | 0.0 | 4.47 | 0.0 | 0.0 | 0.0 |
| 25 June 2024 | Repayment | 337.23 | 332.56 | 4.67 | 0.0 | 0.0 | 667.44 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 337.23 |
When Admin sets the business date to "01 July 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | | 334.88 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 334.88 | 1.95 | 0.0 | 0.0 | 336.83 | 0.0 | 0.0 | 0.0 | 336.83 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.29 | 0.0 | 0.0 | 1011.29 | 337.23 | 337.23 | 0.0 | 674.06 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 337.23 |
When Admin sets the business date to "03 July 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | | 334.88 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 334.88 | 1.95 | 0.0 | 0.0 | 336.83 | 0.0 | 0.0 | 0.0 | 336.83 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.29 | 0.0 | 0.0 | 1011.29 | 337.23 | 337.23 | 0.0 | 674.06 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 337.23 |
When Loan Pay-off is made on "1 July 2024"
Then Loan's all installments have obligations met
@TestRailId:C3936
Scenario: Verify nextPaymentAmount value overpayment first installment - progressive loan, interest recalculation daily - UC7
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 335.27 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.27 | 1.96 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.69 | 0.0 | 0.0 | 1011.69 | 0.0 | 0.0 | 0.0 | 1011.69 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "25 June 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "25 June 2024" with 400 EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | | 334.44 | 333.0 | 4.23 | 0.0 | 0.0 | 337.23 | 62.77 | 62.77 | 0.0 | 274.46 |
| 3 | 31 | 01 September 2024 | | 0.0 | 334.44 | 1.95 | 0.0 | 0.0 | 336.39 | 0.0 | 0.0 | 0.0 | 336.39 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 10.85 | 0.0 | 0.0 | 1010.85 | 400.0 | 400.0 | 0.0 | 610.85 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 24 June 2024 | Accrual | 4.47 | 0.0 | 4.47 | 0.0 | 0.0 | 0.0 |
| 25 June 2024 | Repayment | 400.0 | 395.33 | 4.67 | 0.0 | 0.0 | 604.67 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 274.46 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | | 334.44 | 333.0 | 4.23 | 0.0 | 0.0 | 337.23 | 62.77 | 62.77 | 0.0 | 274.46 |
| 3 | 31 | 01 September 2024 | | 0.0 | 334.44 | 1.95 | 0.0 | 0.0 | 336.39 | 0.0 | 0.0 | 0.0 | 336.39 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 10.85 | 0.0 | 0.0 | 1010.85 | 400.0 | 400.0 | 0.0 | 610.85 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 274.46 |
When Admin sets the business date to "03 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | | 334.44 | 333.0 | 4.23 | 0.0 | 0.0 | 337.23 | 62.77 | 62.77 | 0.0 | 274.46 |
| 3 | 31 | 01 September 2024 | | 0.0 | 334.44 | 2.05 | 0.0 | 0.0 | 336.49 | 0.0 | 0.0 | 0.0 | 336.49 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 10.95 | 0.0 | 0.0 | 1010.95 | 400.0 | 400.0 | 0.0 | 610.95 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 274.46 |
When Loan Pay-off is made on "3 August 2024"
Then Loan's all installments have obligations met
@TestRailId:C3937
Scenario: Verify nextPaymentAmount value for the last installment - progressive loan, interest recalculation daily, next installment - UC8
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 335.27 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.27 | 1.96 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.69 | 0.0 | 0.0 | 1011.69 | 0.0 | 0.0 | 0.0 | 1011.69 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "15 August 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 August 2024" with 337.23 EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 August 2024 | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 337.23 | 0.0 | 337.23 | 0.0 |
| 2 | 31 | 01 August 2024 | | 337.2 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 337.2 | 3.71 | 0.0 | 0.0 | 340.91 | 0.0 | 0.0 | 0.0 | 340.91 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 15.37 | 0.0 | 0.0 | 1015.37 | 337.23 | 0.0 | 337.23 | 678.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 14 August 2024 | Accrual | 12.18 | 0.0 | 12.18 | 0.0 | 0.0 | 0.0 |
| 15 August 2024 | Repayment | 337.23 | 331.4 | 5.83 | 0.0 | 0.0 | 668.6 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 15 August 2024 | 340.91 |
When Admin sets the business date to "01 September 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 August 2024 | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 337.23 | 0.0 | 337.23 | 0.0 |
| 2 | 31 | 01 August 2024 | | 337.2 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 337.2 | 4.77 | 0.0 | 0.0 | 341.97 | 0.0 | 0.0 | 0.0 | 341.97 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 16.43 | 0.0 | 0.0 | 1016.43 | 337.23 | 0.0 | 337.23 | 679.2 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 15 August 2024 | 341.97 |
When Admin sets the business date to "03 September 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 15 August 2024 | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 337.23 | 0.0 | 337.23 | 0.0 |
| 2 | 31 | 01 August 2024 | | 337.2 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 337.2 | 4.77 | 0.0 | 0.0 | 341.97 | 0.0 | 0.0 | 0.0 | 341.97 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 16.43 | 0.0 | 0.0 | 1016.43 | 337.23 | 0.0 | 337.23 | 679.2 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 15 August 2024 | 341.97 |
When Loan Pay-off is made on "3 September 2024"
Then Loan's all installments have obligations met
@TestRailId:C3938
Scenario: Verify nextPaymentAmount value for the last installment - progressive loan, interest recalculation daily, last installment - UC9
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 335.27 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.27 | 1.96 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.69 | 0.0 | 0.0 | 1011.69 | 0.0 | 0.0 | 0.0 | 1011.69 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "15 June 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 June 2024" with 337.23 EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 667.55 | 332.45 | 4.78 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 337.23 | 330.32 | 1.93 | 0.0 | 0.0 | 332.25 | 0.0 | 0.0 | 0.0 | 332.25 |
| 3 | 31 | 01 September 2024 | 15 June 2024 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 6.71 | 0.0 | 0.0 | 1006.71 | 337.23 | 337.23 | 0.0 | 669.48 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 14 June 2024 | Accrual | 2.53 | 0.0 | 2.53 | 0.0 | 0.0 | 0.0 |
| 15 June 2024 | Repayment | 337.23 | 337.23 | 0.0 | 0.0 | 0.0 | 662.77 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "15 July 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 667.55 | 332.45 | 4.78 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 337.23 | 330.32 | 2.8 | 0.0 | 0.0 | 333.12 | 0.0 | 0.0 | 0.0 | 333.12 |
| 3 | 31 | 01 September 2024 | 15 June 2024 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 7.58 | 0.0 | 0.0 | 1007.58 | 337.23 | 337.23 | 0.0 | 670.35 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 01 July 2024 | 337.23 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 667.55 | 332.45 | 4.78 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 337.23 | 330.32 | 3.87 | 0.0 | 0.0 | 334.19 | 0.0 | 0.0 | 0.0 | 334.19 |
| 3 | 31 | 01 September 2024 | 15 June 2024 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 8.65 | 0.0 | 0.0 | 1008.65 | 337.23 | 337.23 | 0.0 | 671.42 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 01 July 2024 | 337.23 |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Loan Pay-off is made on "1 August 2024"
Then Loan's all installments have obligations met
@TestRailId:C3939
Scenario: Verify nextPaymentAmount value with loan pay-off on first installment - progressive loan, interest recalculation daily - UC10
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 668.6 | 331.4 | 5.83 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 2 | 31 | 01 August 2024 | | 335.27 | 333.33 | 3.9 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
| 3 | 31 | 01 September 2024 | | 0.0 | 335.27 | 1.96 | 0.0 | 0.0 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.69 | 0.0 | 0.0 | 1011.69 | 0.0 | 0.0 | 0.0 | 1011.69 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 337.23 |
When Admin sets the business date to "25 June 2024"
When Admin runs inline COB job for Loan
When Loan Pay-off is made on "25 June 2024"
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | 25 June 2024 | 330.21 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 3 | 31 | 01 September 2024 | 25 June 2024 | 0.0 | 330.21 | 0.0 | 0.0 | 0.0 | 330.21 | 330.21 | 330.21 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 4.67 | 0.0 | 0.0 | 1004.67 | 1004.67 | 1004.67 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 24 June 2024 | Accrual | 4.47 | 0.0 | 4.47 | 0.0 | 0.0 | 0.0 |
| 25 June 2024 | Repayment | 1004.67 | 1000.0 | 4.67 | 0.0 | 0.0 | 0.0 |
| 25 June 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 25 June 2024 | 0.0 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | 25 June 2024 | 667.44 | 332.56 | 4.67 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 2 | 31 | 01 August 2024 | 25 June 2024 | 330.21 | 337.23 | 0.0 | 0.0 | 0.0 | 337.23 | 337.23 | 337.23 | 0.0 | 0.0 |
| 3 | 31 | 01 September 2024 | 25 June 2024 | 0.0 | 330.21 | 0.0 | 0.0 | 0.0 | 330.21 | 330.21 | 330.21 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 4.67 | 0.0 | 0.0 | 1004.67 | 1004.67 | 1004.67 | 0.0 | 0.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 August 2024 | 0.0 |
@TestRailId:C3940
Scenario: Verify nextPaymentAmount value with downpayment and interest refund - progressive loan, interest recalculation daily - UC11
When Admin sets the business date to "01 June 2024"
And Admin creates a client with random data
When 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_INTEREST_REFUND_INTEREST_RECALC_DOWNPAYMENT_ACCRUAL_ACTIVITY | 01 June 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | 01 June 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 01 July 2024 | | 501.45 | 248.55 | 4.37 | 0.0 | 0.0 | 252.92 | 0.0 | 0.0 | 0.0 | 252.92 |
| 3 | 31 | 01 August 2024 | | 251.46 | 249.99 | 2.93 | 0.0 | 0.0 | 252.92 | 0.0 | 0.0 | 0.0 | 252.92 |
| 4 | 31 | 01 September 2024 | | 0.0 | 251.46 | 1.47 | 0.0 | 0.0 | 252.93 | 0.0 | 0.0 | 0.0 | 252.93 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 8.77 | 0.0 | 0.0 | 1008.77 | 250.0 | 0.0 | 0.0 | 758.77 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 June 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| NO_DELINQUENCY | 01 July 2024 | 252.92 |
When Admin sets the business date to "01 August 2024"
When Admin runs inline COB job for Loan
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 August 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | 01 June 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 01 July 2024 | | 501.45 | 248.55 | 4.37 | 0.0 | 0.0 | 252.92 | 202.32 | 0.0 | 202.32 | 50.6 |
| 3 | 31 | 01 August 2024 | | 252.9 | 248.55 | 4.37 | 0.0 | 0.0 | 252.92 | 0.0 | 0.0 | 0.0 | 252.92 |
| 4 | 31 | 01 September 2024 | | 0.0 | 252.9 | 1.48 | 0.0 | 0.0 | 254.38 | 0.0 | 0.0 | 0.0 | 254.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 10.22 | 0.0 | 0.0 | 1010.22 | 452.32 | 0.0 | 202.32 | 557.9 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 June 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 01 July 2024 | Accrual Activity | 4.37 | 0.0 | 4.37 | 0.0 | 0.0 | 0.0 |
| 31 July 2024 | Accrual | 8.6 | 0.0 | 8.6 | 0.0 | 0.0 | 0.0 |
| 01 August 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 550.0 |
| 01 August 2024 | Interest Refund | 2.32 | 2.32 | 0.0 | 0.0 | 0.0 | 547.68 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_3 | 01 August 2024 | 252.92 |
When Admin sets the business date to "01 September 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | 01 June 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 01 July 2024 | | 501.45 | 248.55 | 4.37 | 0.0 | 0.0 | 252.92 | 202.32 | 0.0 | 202.32 | 50.6 |
| 3 | 31 | 01 August 2024 | | 252.9 | 248.55 | 4.37 | 0.0 | 0.0 | 252.92 | 0.0 | 0.0 | 0.0 | 252.92 |
| 4 | 31 | 01 September 2024 | | 0.0 | 252.9 | 3.19 | 0.0 | 0.0 | 256.09 | 0.0 | 0.0 | 0.0 | 256.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 11.93 | 0.0 | 0.0 | 1011.93 | 452.32 | 0.0 | 202.32 | 559.61 |
Then Loan has the following LOAN level next payment due data:
| classification | nextPaymentDueDate | nextPaymentAmount |
| RANGE_30 | 01 August 2024 | 252.92 |
When Loan Pay-off is made on "1 September 2024"
Then Loan's all installments have obligations met