diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature index b3ea78b1a..1e2358677 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanReAging.feature @@ -7089,6 +7089,242 @@ Feature: LoanReAging When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met + @Skip + @TestRailId:C4245 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with 2nd disb before and with chargeback and undo last disb after re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC1.2 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 March 2024" + When Admin successfully disburse the loan on "01 March 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 88.04 | 29.01 | 0.68 | 0.0 | 0.0 | 29.69 | 0.0 | 0.0 | 0.0 | 29.69 | + | 4 | 30 | 01 May 2024 | | 58.86 | 29.18 | 0.51 | 0.0 | 0.0 | 29.69 | 0.0 | 0.0 | 0.0 | 29.69 | + | 5 | 31 | 01 June 2024 | | 29.51 | 29.35 | 0.34 | 0.0 | 0.0 | 29.69 | 0.0 | 0.0 | 0.0 | 29.69 | + | 6 | 30 | 01 July 2024 | | 0.0 | 29.51 | 0.17 | 0.0 | 0.0 | 29.68 | 0.0 | 0.0 | 0.0 | 29.68 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.77 | 0.0 | 0.0 | 152.77 | 17.01 | 0.0 | 0.0 | 135.76 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.31 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 4 | 30 | 01 May 2024 | | 89.05 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.14 | 0.0 | 0.0 | 22.41 | 0.0 | 0.0 | 0.0 | 22.41 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.42 | 0.0 | 0.0 | 151.42 | 17.01 | 0.0 | 0.0 | 134.41 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.31 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 4 | 30 | 01 May 2024 | | 89.05 | 39.27 | 0.14 | 0.0 | 0.0 | 39.41 | 0.0 | 0.0 | 0.0 | 39.41 | + | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.14 | 0.0 | 0.0 | 22.41 | 0.0 | 0.0 | 0.0 | 22.41 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 167.01 | 1.42 | 0.0 | 0.0 | 168.43 | 17.01 | 0.0 | 0.0 | 151.42 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 150.58 | false | false | + +# --- undo last disbursement should be allowed on thet point --- # + When Admin successfully undo last disbursal + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 82.99 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 82.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.16 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 4 | 30 | 01 May 2024 | | 55.33 | 30.84 | 0.18 | 0.0 | 0.0 | 31.02 | 0.0 | 0.0 | 0.0 | 31.02 | + | 5 | 31 | 01 June 2024 | | 41.5 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 6 | 30 | 01 July 2024 | | 27.67 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 7 | 31 | 01 August 2024 | | 13.84 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.84 | 0.16 | 0.0 | 0.0 | 14.0 | 0.0 | 0.0 | 0.0 | 14.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 117.01 | 1.06 | 0.0 | 0.0 | 118.07 | 17.01 | 0.0 | 0.0 | 101.06 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | true | + | 15 March 2024 | Re-age | 84.05 | 82.99 | 1.06 | 0.0 | 0.0 | 0.0 | false | true | + | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4246 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with MIR trn before re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC1.3 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 March 2024" + When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 March 2024" with 34.02 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 50.33 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 4.25 | 4.25 | 0.0 | 12.76 | + | 4 | 30 | 01 May 2024 | | 33.54 | 16.79 | 0.22 | 0.0 | 0.0 | 17.01 | 4.25 | 4.25 | 0.0 | 12.76 | + | 5 | 31 | 01 June 2024 | | 16.68 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 4.25 | 4.25 | 0.0 | 12.76 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.68 | 0.07 | 0.0 | 0.0 | 16.75 | 4.26 | 4.26 | 0.0 | 12.49 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.8 | 0.0 | 0.0 | 101.8 | 51.03 | 17.01 | 0.0 | 50.77 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Merchant Issued Refund | 34.02 | 33.53 | 0.49 | 0.0 | 0.0 | 50.04 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 50.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 41.7 | 8.34 | 0.02 | 0.0 | 0.0 | 8.36 | 0.0 | 0.0 | 0.0 | 8.36 | + | 5 | 30 | 01 May 2024 | | 33.36 | 8.34 | 0.02 | 0.0 | 0.0 | 8.36 | 0.0 | 0.0 | 0.0 | 8.36 | + | 6 | 31 | 01 June 2024 | | 25.02 | 8.34 | 0.02 | 0.0 | 0.0 | 8.36 | 0.0 | 0.0 | 0.0 | 8.36 | + | 7 | 30 | 01 July 2024 | | 16.68 | 8.34 | 0.02 | 0.0 | 0.0 | 8.36 | 0.0 | 0.0 | 0.0 | 8.36 | + | 8 | 31 | 01 August 2024 | | 8.34 | 8.34 | 0.02 | 0.0 | 0.0 | 8.36 | 0.0 | 0.0 | 0.0 | 8.36 | + | 9 | 31 | 01 September 2024 | | 0.0 | 8.34 | 0.03 | 0.0 | 0.0 | 8.37 | 0.0 | 0.0 | 0.0 | 8.37 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.2 | 0.0 | 0.0 | 101.2 | 51.03 | 17.01 | 0.0 | 50.17 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Merchant Issued Refund | 34.02 | 33.53 | 0.49 | 0.0 | 0.0 | 50.04 | false | false | + | 15 March 2024 | Re-age | 50.17 | 50.04 | 0.13 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + @TestRailId:C4160 @AdvancedPaymentAllocation Scenario: Verify Loan re-aging trn with repayment and charge - interest bearing loan with equal amortization; outstanding payable interest - UC2 When Admin sets the business date to "01 January 2024" @@ -7462,8 +7698,8 @@ Feature: LoanReAging When Admin sets the business date to "01 January 2024" When 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_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + | 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount Then Loan Repayment schedule has 6 periods, with the following data for periods: @@ -7489,14 +7725,14 @@ Feature: LoanReAging | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 32.95 | 1.07 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + | 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | + | 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 116.43 | 2.63 | 0.0 | 0.0 | 119.06 | 17.01 | 0.0 | 0.0 | 102.05 | + | 116.43 | 2.72 | 0.0 | 0.0 | 119.15 | 17.01 | 0.0 | 0.0 | 102.14 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -7513,22 +7749,22 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.21 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | - | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.2 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 | + | 3 | 31 | 01 April 2024 | | 83.34 | 16.66 | 0.24 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 4 | 30 | 01 May 2024 | | 66.68 | 16.66 | 0.24 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 5 | 31 | 01 June 2024 | | 50.02 | 16.66 | 0.24 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 6 | 30 | 01 July 2024 | | 33.36 | 16.66 | 0.24 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 7 | 31 | 01 August 2024 | | 16.7 | 16.66 | 0.24 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.7 | 0.22 | 0.0 | 0.0 | 16.92 | 0.0 | 0.0 | 0.0 | 16.92 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 116.43 | 1.83 | 0.0 | 0.0 | 118.26 | 17.01 | 0.0 | 0.0 | 101.25 | + | 116.43 | 2.0 | 0.0 | 0.0 | 118.43 | 17.01 | 0.0 | 0.0 | 101.42 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | - | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 101.25 | 100.0 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.4 | 0.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 101.42 | 100.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false | When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met @@ -7691,8 +7927,8 @@ Feature: LoanReAging When Admin sets the business date to "01 January 2024" When 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_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + | 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount Then Loan Repayment schedule has 6 periods, with the following data for periods: @@ -7720,14 +7956,14 @@ Feature: LoanReAging | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 10.0 | 35.01 | 34.02 | 0.0 | 0.0 | 0.99 | - | 2 | 29 | 01 March 2024 | | 67.05 | 32.54 | 0.49 | 0.99 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + | 2 | 29 | 01 March 2024 | | 67.14 | 32.45 | 0.58 | 0.99 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | + | 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 116.02 | 2.05 | 8.99 | 10.0 | 137.06 | 34.02 | 0.0 | 0.0 | 103.04 | + | 116.02 | 2.14 | 8.99 | 10.0 | 137.15 | 34.02 | 0.0 | 0.0 | 103.13 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -7744,22 +7980,22 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 15 March 2024 | 83.98 | 16.02 | 0.0 | 8.0 | 10.0 | 34.02 | 34.02 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | - | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | - | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | - | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | - | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.21 | 0.16 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | - | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.2 | 0.19 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 | + | 3 | 31 | 01 April 2024 | | 83.33 | 16.67 | 0.24 | 0.16 | 0.0 | 17.07 | 0.0 | 0.0 | 0.0 | 17.07 | + | 4 | 30 | 01 May 2024 | | 66.66 | 16.67 | 0.24 | 0.16 | 0.0 | 17.07 | 0.0 | 0.0 | 0.0 | 17.07 | + | 5 | 31 | 01 June 2024 | | 49.99 | 16.67 | 0.24 | 0.16 | 0.0 | 17.07 | 0.0 | 0.0 | 0.0 | 17.07 | + | 6 | 30 | 01 July 2024 | | 33.32 | 16.67 | 0.24 | 0.16 | 0.0 | 17.07 | 0.0 | 0.0 | 0.0 | 17.07 | + | 7 | 31 | 01 August 2024 | | 16.65 | 16.67 | 0.24 | 0.16 | 0.0 | 17.07 | 0.0 | 0.0 | 0.0 | 17.07 | + | 8 | 31 | 01 September 2024 | | 0.0 | 16.65 | 0.22 | 0.19 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 116.02 | 1.25 | 8.99 | 10.0 | 136.26 | 34.02 | 0.0 | 0.0 | 102.24 | + | 116.02 | 1.42 | 8.99 | 10.0 | 136.43 | 34.02 | 0.0 | 0.0 | 102.41 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 34.02 | 16.02 | 0.0 | 8.0 | 10.0 | 83.98 | false | false | | 01 February 2024 | Chargeback | 17.01 | 16.02 | 0.0 | 0.99 | 0.0 | 100.0 | false | false | - | 14 March 2024 | Accrual | 19.23 | 0.0 | 1.23 | 8.0 | 10.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 102.24 | 100.0 | 1.25 | 0.99 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 19.4 | 0.0 | 1.4 | 8.0 | 10.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 102.41 | 100.0 | 1.42 | 0.99 | 0.0 | 0.0 | false | false | When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met @@ -8256,8 +8492,8 @@ Feature: LoanReAging When Admin sets the business date to "01 January 2024" When 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_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + | 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount Then Loan Repayment schedule has 6 periods, with the following data for periods: @@ -8304,20 +8540,20 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.2 | 0.0 | 0.0 | 14.12 | 0.0 | 0.0 | 0.0 | 14.12 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 1.83 | 0.0 | 0.0 | 101.83 | 17.01 | 0.0 | 0.0 | 84.82 | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 84.82 | 83.57 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | When Admin sets the business date to "01 April 2024" When Admin runs inline COB job for Loan @@ -8327,20 +8563,20 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 4 | 30 | 01 May 2024 | | 55.71 | 23.35 | 0.79 | 0.0 | 0.0 | 24.14 | 0.0 | 0.0 | 0.0 | 24.14 | - | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.21 | 0.0 | 0.0 | 14.14 | 0.0 | 0.0 | 0.0 | 14.14 | - | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.2 | 0.0 | 0.0 | 14.12 | 0.0 | 0.0 | 0.0 | 14.12 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 23.35 | 0.7 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 109.42 | 2.41 | 0.0 | 0.0 | 111.83 | 17.01 | 0.0 | 0.0 | 94.82 | + | 109.42 | 1.87 | 0.0 | 0.0 | 111.29 | 17.01 | 0.0 | 0.0 | 94.28 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 15 March 2024 | Re-age | 84.82 | 83.57 | 1.25 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | | 31 March 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | @@ -9143,6 +9379,242 @@ Feature: LoanReAging When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met + @Skip + @TestRailId:C4247 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with 2nd disb before and with chargeback and undo last disb after re-age - interest bearing multidisb loan with equal amortization; outstanding FULL interest - UC1.2 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 March 2024" + When Admin successfully disburse the loan on "01 March 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 88.04 | 29.01 | 0.68 | 0.0 | 0.0 | 29.69 | 0.0 | 0.0 | 0.0 | 29.69 | + | 4 | 30 | 01 May 2024 | | 58.86 | 29.18 | 0.51 | 0.0 | 0.0 | 29.69 | 0.0 | 0.0 | 0.0 | 29.69 | + | 5 | 31 | 01 June 2024 | | 29.51 | 29.35 | 0.34 | 0.0 | 0.0 | 29.69 | 0.0 | 0.0 | 0.0 | 29.69 | + | 6 | 30 | 01 July 2024 | | 0.0 | 29.51 | 0.17 | 0.0 | 0.0 | 29.68 | 0.0 | 0.0 | 0.0 | 29.68 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.77 | 0.0 | 0.0 | 152.77 | 17.01 | 0.0 | 0.0 | 135.76 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.3 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 4 | 30 | 01 May 2024 | | 89.03 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 5 | 31 | 01 June 2024 | | 66.76 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 6 | 30 | 01 July 2024 | | 44.49 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 7 | 31 | 01 August 2024 | | 22.22 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.22 | 0.39 | 0.0 | 0.0 | 22.61 | 0.0 | 0.0 | 0.0 | 22.61 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.82 | 0.0 | 0.0 | 152.82 | 17.01 | 0.0 | 0.0 | 135.81 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 135.81 | 133.57 | 2.24 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.3 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 4 | 30 | 01 May 2024 | | 89.03 | 39.28 | 0.37 | 0.0 | 0.0 | 39.65 | 0.0 | 0.0 | 0.0 | 39.65 | + | 5 | 31 | 01 June 2024 | | 66.76 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 6 | 30 | 01 July 2024 | | 44.49 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 7 | 31 | 01 August 2024 | | 22.22 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.22 | 0.39 | 0.0 | 0.0 | 22.61 | 0.0 | 0.0 | 0.0 | 22.61 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 167.01 | 2.82 | 0.0 | 0.0 | 169.83 | 17.01 | 0.0 | 0.0 | 152.82 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 135.81 | 133.57 | 2.24 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 150.58 | false | false | + +# --- undo last disbursement should be allowed on thet point --- # + When Admin successfully undo last disbursal + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 15 March 2024 | 82.99 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 82.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.16 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 4 | 30 | 01 May 2024 | | 55.33 | 30.84 | 0.18 | 0.0 | 0.0 | 31.02 | 0.0 | 0.0 | 0.0 | 31.02 | + | 5 | 31 | 01 June 2024 | | 41.5 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 6 | 30 | 01 July 2024 | | 27.67 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 7 | 31 | 01 August 2024 | | 13.84 | 13.83 | 0.18 | 0.0 | 0.0 | 14.01 | 0.0 | 0.0 | 0.0 | 14.01 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.84 | 0.16 | 0.0 | 0.0 | 14.0 | 0.0 | 0.0 | 0.0 | 14.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 117.01 | 1.06 | 0.0 | 0.0 | 118.07 | 17.01 | 0.0 | 0.0 | 101.06 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | true | + | 15 March 2024 | Re-age | 84.05 | 82.99 | 1.06 | 0.0 | 0.0 | 0.0 | false | true | + | 01 April 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4248 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with MIR trn before re-age - interest bearing multidisb loan with equal amortization; outstanding FULL interest - UC1.3 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 March 2024" + When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 March 2024" with 34.02 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 50.33 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 4.25 | 4.25 | 0.0 | 12.76 | + | 4 | 30 | 01 May 2024 | | 33.54 | 16.79 | 0.22 | 0.0 | 0.0 | 17.01 | 4.25 | 4.25 | 0.0 | 12.76 | + | 5 | 31 | 01 June 2024 | | 16.68 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 4.25 | 4.25 | 0.0 | 12.76 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.68 | 0.07 | 0.0 | 0.0 | 16.75 | 4.26 | 4.26 | 0.0 | 12.49 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.8 | 0.0 | 0.0 | 101.8 | 51.03 | 17.01 | 0.0 | 50.77 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Merchant Issued Refund | 34.02 | 33.53 | 0.49 | 0.0 | 0.0 | 50.04 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 50.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 41.7 | 8.34 | 0.12 | 0.0 | 0.0 | 8.46 | 0.0 | 0.0 | 0.0 | 8.46 | + | 5 | 30 | 01 May 2024 | | 33.36 | 8.34 | 0.12 | 0.0 | 0.0 | 8.46 | 0.0 | 0.0 | 0.0 | 8.46 | + | 6 | 31 | 01 June 2024 | | 25.02 | 8.34 | 0.12 | 0.0 | 0.0 | 8.46 | 0.0 | 0.0 | 0.0 | 8.46 | + | 7 | 30 | 01 July 2024 | | 16.68 | 8.34 | 0.12 | 0.0 | 0.0 | 8.46 | 0.0 | 0.0 | 0.0 | 8.46 | + | 8 | 31 | 01 August 2024 | | 8.34 | 8.34 | 0.12 | 0.0 | 0.0 | 8.46 | 0.0 | 0.0 | 0.0 | 8.46 | + | 9 | 31 | 01 September 2024 | | 0.0 | 8.34 | 0.13 | 0.0 | 0.0 | 8.47 | 0.0 | 0.0 | 0.0 | 8.47 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.8 | 0.0 | 0.0 | 101.8 | 51.03 | 17.01 | 0.0 | 50.77 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Merchant Issued Refund | 34.02 | 33.53 | 0.49 | 0.0 | 0.0 | 50.04 | false | false | + | 15 March 2024 | Re-age | 50.77 | 50.04 | 0.73 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "15 March 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + @TestRailId:C4179 @AdvancedPaymentAllocation Scenario: Verify Loan re-aging transaction with repayment and charge - interest bearing loan with equal amortization; outstanding FULL interest - UC2 When Admin sets the business date to "01 January 2024" @@ -9419,8 +9891,8 @@ Feature: LoanReAging When Admin sets the business date to "01 January 2024" When 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_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + | 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount Then Loan Repayment schedule has 6 periods, with the following data for periods: @@ -9446,14 +9918,14 @@ Feature: LoanReAging | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 25.94 | 1.07 | 0.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + | 2 | 29 | 01 March 2024 | | 67.1 | 25.89 | 1.12 | 0.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.48 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.76 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.95 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 109.42 | 2.63 | 0.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 | + | 109.42 | 2.68 | 0.0 | 0.0 | 112.1 | 17.01 | 0.0 | 0.0 | 95.09 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -9470,22 +9942,22 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 77.49 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | - | 4 | 30 | 01 May 2024 | | 61.99 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | - | 5 | 31 | 01 June 2024 | | 46.49 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | - | 6 | 30 | 01 July 2024 | | 30.99 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | - | 7 | 31 | 01 August 2024 | | 15.49 | 15.5 | 0.34 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | - | 8 | 31 | 01 September 2024 | | 0.0 | 15.49 | 0.35 | 0.0 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | + | 3 | 31 | 01 April 2024 | | 77.49 | 15.5 | 0.36 | 0.0 | 0.0 | 15.86 | 0.0 | 0.0 | 0.0 | 15.86 | + | 4 | 30 | 01 May 2024 | | 61.99 | 15.5 | 0.36 | 0.0 | 0.0 | 15.86 | 0.0 | 0.0 | 0.0 | 15.86 | + | 5 | 31 | 01 June 2024 | | 46.49 | 15.5 | 0.36 | 0.0 | 0.0 | 15.86 | 0.0 | 0.0 | 0.0 | 15.86 | + | 6 | 30 | 01 July 2024 | | 30.99 | 15.5 | 0.36 | 0.0 | 0.0 | 15.86 | 0.0 | 0.0 | 0.0 | 15.86 | + | 7 | 31 | 01 August 2024 | | 15.49 | 15.5 | 0.36 | 0.0 | 0.0 | 15.86 | 0.0 | 0.0 | 0.0 | 15.86 | + | 8 | 31 | 01 September 2024 | | 0.0 | 15.49 | 0.37 | 0.0 | 0.0 | 15.86 | 0.0 | 0.0 | 0.0 | 15.86 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 109.42 | 2.63 | 0.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 | + | 109.42 | 2.75 | 0.0 | 0.0 | 112.17 | 17.01 | 0.0 | 0.0 | 95.16 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | | 01 February 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false | - | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 95.04 | 92.99 | 2.05 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 95.16 | 92.99 | 2.17 | 0.0 | 0.0 | 0.0 | false | false | When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met @@ -9571,8 +10043,8 @@ Feature: LoanReAging When Admin sets the business date to "01 January 2024" When 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_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + | 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount Then Loan Repayment schedule has 6 periods, with the following data for periods: @@ -9600,14 +10072,14 @@ Feature: LoanReAging | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 8.0 | 0.0 | 25.01 | 17.01 | 0.0 | 0.0 | 8.0 | - | 2 | 29 | 01 March 2024 | | 67.05 | 18.52 | 0.49 | 8.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | - | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | - | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + | 2 | 29 | 01 March 2024 | | 67.06 | 18.51 | 0.5 | 8.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | + | 3 | 31 | 01 April 2024 | | 50.44 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 102.0 | 2.05 | 16.0 | 0.0 | 120.05 | 17.01 | 0.0 | 0.0 | 103.04 | + | 102.0 | 2.06 | 16.0 | 0.0 | 120.06 | 17.01 | 0.0 | 0.0 | 103.05 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -9625,15 +10097,15 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 15 March 2024 | 90.99 | 9.01 | 0.0 | 8.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 92.99 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 77.49 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | - | 4 | 30 | 01 May 2024 | | 61.99 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | - | 5 | 31 | 01 June 2024 | | 46.49 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | - | 6 | 30 | 01 July 2024 | | 30.99 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | - | 7 | 31 | 01 August 2024 | | 15.49 | 15.5 | 0.34 | 1.33 | 0.0 | 17.17 | 0.0 | 0.0 | 0.0 | 17.17 | - | 8 | 31 | 01 September 2024 | | 0.0 | 15.49 | 0.35 | 1.35 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | + | 3 | 31 | 01 April 2024 | | 77.49 | 15.5 | 0.36 | 1.33 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | + | 4 | 30 | 01 May 2024 | | 61.99 | 15.5 | 0.36 | 1.33 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | + | 5 | 31 | 01 June 2024 | | 46.49 | 15.5 | 0.36 | 1.33 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | + | 6 | 30 | 01 July 2024 | | 30.99 | 15.5 | 0.36 | 1.33 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | + | 7 | 31 | 01 August 2024 | | 15.49 | 15.5 | 0.36 | 1.33 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | + | 8 | 31 | 01 September 2024 | | 0.0 | 15.49 | 0.37 | 1.35 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 102.0 | 2.05 | 16.0 | 0.0 | 120.05 | 17.01 | 0.0 | 0.0 | 103.04 | + | 102.0 | 2.17 | 16.0 | 0.0 | 120.17 | 17.01 | 0.0 | 0.0 | 103.16 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | @@ -9643,49 +10115,49 @@ Feature: LoanReAging | 01 February 2024 | Accrual | 8.02 | 0.0 | 0.02 | 8.0 | 0.0 | 0.0 | false | false | | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 06 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 09 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 16 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 18 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 19 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 22 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 25 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | | 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 28 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 29 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | | 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 02 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 03 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 04 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 06 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 07 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 08 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 09 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | - | 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 13 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 14 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 103.04 | 92.99 | 2.05 | 8.0 | 0.0 | 0.0 | false | false | + | 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 03 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 05 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 06 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 08 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 09 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 10 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 11 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | + | 12 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 103.16 | 92.99 | 2.17 | 8.0 | 0.0 | 0.0 | false | false | When Loan Pay-off is made on "15 March 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met @@ -10284,8 +10756,8 @@ Feature: LoanReAging When Admin sets the business date to "01 January 2024" When 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_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + | 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount Then Loan Repayment schedule has 6 periods, with the following data for periods: @@ -10333,21 +10805,21 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.27 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | When Admin sets the business date to "01 April 2024" When Admin runs inline COB job for Loan @@ -10357,21 +10829,21 @@ Feature: LoanReAging | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | - | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 4 | 30 | 01 May 2024 | | 55.71 | 30.36 | 0.82 | 0.0 | 0.0 | 31.18 | 0.0 | 0.0 | 0.0 | 31.18 | - | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.24 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 | - | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.27 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 30.36 | 0.83 | 0.0 | 0.0 | 31.19 | 0.0 | 0.0 | 0.0 | 31.19 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | Then Loan Repayment schedule has the following data in Total row: | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 116.43 | 2.63 | 0.0 | 0.0 | 119.06 | 17.01 | 0.0 | 0.0 | 102.05 | + | 116.43 | 2.67 | 0.0 | 0.0 | 119.1 | 17.01 | 0.0 | 0.0 | 102.09 | Then Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | - | 14 March 2024 | Accrual | 1.23 | 0.0 | 1.23 | 0.0 | 0.0 | 0.0 | false | false | - | 15 March 2024 | Re-age | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false | + | 14 March 2024 | Accrual | 1.27 | 0.0 | 1.27 | 0.0 | 0.0 | 0.0 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | When Loan Pay-off is made on "01 April 2024" @@ -11852,3 +12324,2217 @@ Feature: LoanReAging When Loan Pay-off is made on "01 April 2024" Then Loan is closed with zero outstanding balance and it's all installments have obligations met + @TestRailId:C4249 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with 2nd disb and partial chargeback(with custom pmnt alloc) after re-age - interest bearing multidisb loan with default behaviour - UC1 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | + | 1 | MONTHS | 01 April 2024 | 6 | + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 17.01 | 0.0 | 0.0 | 136.65 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 30 | 01 May 2024 | | 96.58 | 40.1 | 1.38 | 0.0 | 0.0 | 41.48 | 0.0 | 0.0 | 0.0 | 41.48 | + | 6 | 31 | 01 June 2024 | | 72.67 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 7 | 30 | 01 July 2024 | | 48.62 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 8 | 31 | 01 August 2024 | | 24.43 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 9 | 31 | 01 September 2024 | | 0.0 | 24.43 | 0.14 | 0.0 | 0.0 | 24.57 | 0.0 | 0.0 | 0.0 | 24.57 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 166.43 | 4.34 | 0.0 | 0.0 | 170.77 | 17.01 | 0.0 | 0.0 | 153.76 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 150.0 | false | false | + + When Admin successfully undo last disbursal + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 5 | 30 | 01 May 2024 | | 56.46 | 30.22 | 1.09 | 0.0 | 0.0 | 31.31 | 0.0 | 0.0 | 0.0 | 31.31 | + | 6 | 31 | 01 June 2024 | | 42.49 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 7 | 30 | 01 July 2024 | | 28.44 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 8 | 31 | 01 August 2024 | | 14.31 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 9 | 31 | 01 September 2024 | | 0.0 | 14.31 | 0.08 | 0.0 | 0.0 | 14.39 | 0.0 | 0.0 | 0.0 | 14.39 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 116.43 | 3.48 | 0.0 | 0.0 | 119.91 | 17.01 | 0.0 | 0.0 | 102.9 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4250 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with 2nd disb and partial chargeback(with custom pmnt alloc) after re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC2 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 95.71 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.11 | 0.0 | 0.0 | 24.03 | 0.0 | 0.0 | 0.0 | 24.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.29 | 0.0 | 0.0 | 151.29 | 17.01 | 0.0 | 0.0 | 134.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 95.71 | 40.36 | 0.7 | 0.0 | 0.0 | 41.06 | 0.0 | 0.0 | 0.0 | 41.06 | + | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.11 | 0.0 | 0.0 | 24.03 | 0.0 | 0.0 | 0.0 | 24.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 166.43 | 1.87 | 0.0 | 0.0 | 168.3 | 17.01 | 0.0 | 0.0 | 151.29 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 150.0 | false | false | + +# --- undo re-age --- # + When Admin successfully undo Loan re-aging transaction + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 67.34 | 49.62 | 1.26 | 0.0 | 0.0 | 50.88 | 0.0 | 0.0 | 0.0 | 50.88 | + | 5 | 31 | 01 June 2024 | | 33.86 | 33.48 | 0.39 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 6 | 30 | 01 July 2024 | | 0.0 | 33.86 | 0.2 | 0.0 | 0.0 | 34.06 | 0.0 | 0.0 | 0.0 | 34.06 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 166.43 | 3.41 | 0.0 | 0.0 | 169.84 | 17.01 | 0.0 | 0.0 | 152.83 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 150.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4251 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with 2nd disb and charge after re-age and undo re-age - interest bearing multidisb loan with equal amortization; outstanding FULL interest - UC3 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 95.71 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.26 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.09 | 0.0 | 0.0 | 152.09 | 17.01 | 0.0 | 0.0 | 135.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin adds "LOAN_NSF_FEE" due date charge with "05 October 2024" due date and 10 EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 95.71 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.26 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 9 | 34 | 05 October 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.09 | 0.0 | 10.0 | 162.09 | 17.01 | 0.0 | 0.0 | 145.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + Then Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | NSF fee | true | Specified due date | 05 October 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @Skip + @TestRailId:C4252 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated re-aging before 2nd disb - interest bearing multidisb loan with default re-aging behaviour - UC4 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 67.25 | 33.28 | 0.59 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 5 | 31 | 01 June 2024 | | 33.77 | 33.48 | 0.39 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 6 | 30 | 01 July 2024 | | 0.0 | 33.77 | 0.2 | 0.0 | 0.0 | 33.97 | 0.0 | 0.0 | 0.0 | 33.97 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.74 | 0.0 | 0.0 | 152.74 | 17.01 | 0.0 | 0.0 | 135.73 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + +# --- backdated re-aging ---# + #TODO - double check: 500 error while do backdated re-age with default behaviour + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | + | 1 | MONTHS | 15 March 2024 | 6 | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 5 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 6 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 7 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 8 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 17.01 | 0.0 | 0.0 | 136.65 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4253 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated re-aging before 2nd disb - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC5 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 67.25 | 33.28 | 0.59 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 5 | 31 | 01 June 2024 | | 33.77 | 33.48 | 0.39 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 6 | 30 | 01 July 2024 | | 0.0 | 33.77 | 0.2 | 0.0 | 0.0 | 33.97 | 0.0 | 0.0 | 0.0 | 33.97 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.74 | 0.0 | 0.0 | 152.74 | 17.01 | 0.0 | 0.0 | 135.73 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + +# --- backdated re-aging ---# + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 15 March 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 31 | 15 April 2024 | | 95.71 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 5 | 30 | 15 May 2024 | | 71.78 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 6 | 31 | 15 June 2024 | | 47.85 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 7 | 30 | 15 July 2024 | | 23.92 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 8 | 31 | 15 August 2024 | | 0.0 | 23.92 | 0.11 | 0.0 | 0.0 | 24.03 | 0.0 | 0.0 | 0.0 | 24.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.29 | 0.0 | 0.0 | 151.29 | 17.01 | 0.0 | 0.0 | 134.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4254 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated re-aging before 2nd disb - interest bearing multidisb loan with equal amortization; outstanding FULL interest - UC6 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 67.25 | 33.28 | 0.59 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 5 | 31 | 01 June 2024 | | 33.77 | 33.48 | 0.39 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 6 | 30 | 01 July 2024 | | 0.0 | 33.77 | 0.2 | 0.0 | 0.0 | 33.97 | 0.0 | 0.0 | 0.0 | 33.97 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.74 | 0.0 | 0.0 | 152.74 | 17.01 | 0.0 | 0.0 | 135.73 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + +# --- backdated re-aging ---# + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 15 March 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 31 | 15 April 2024 | | 95.71 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 5 | 30 | 15 May 2024 | | 71.78 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 6 | 31 | 15 June 2024 | | 47.85 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 7 | 30 | 15 July 2024 | | 23.92 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 8 | 31 | 15 August 2024 | | 0.0 | 23.92 | 0.26 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.09 | 0.0 | 0.0 | 152.09 | 17.01 | 0.0 | 0.0 | 135.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + +# --- undo last disbursement --- # + When Admin successfully undo last disbursal + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 31 | 15 April 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 30 | 15 May 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 31 | 15 June 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 30 | 15 July 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 15 August 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4255 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated 2nd disb and chargeback after re-age - interest bearing multidisbursal loan with default behaviour - UC7 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | + | 1 | MONTHS | 01 April 2024 | 6 | + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 March 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 5 | 30 | 01 May 2024 | | 89.89 | 22.15 | 0.65 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 6 | 31 | 01 June 2024 | | 67.61 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 7 | 30 | 01 July 2024 | | 45.2 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 8 | 31 | 01 August 2024 | | 22.66 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 9 | 31 | 01 September 2024 | | 0.0 | 22.66 | 0.13 | 0.0 | 0.0 | 22.79 | 0.0 | 0.0 | 0.0 | 22.79 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.8 | 0.0 | 0.0 | 153.8 | 17.01 | 0.0 | 0.0 | 136.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 12 EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 5 | 30 | 01 May 2024 | | 89.96 | 33.5 | 1.3 | 0.0 | 0.0 | 34.8 | 0.0 | 0.0 | 0.0 | 34.8 | + | 6 | 31 | 01 June 2024 | | 67.68 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 7 | 30 | 01 July 2024 | | 45.27 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 8 | 31 | 01 August 2024 | | 22.73 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 9 | 31 | 01 September 2024 | | 0.0 | 22.73 | 0.13 | 0.0 | 0.0 | 22.86 | 0.0 | 0.0 | 0.0 | 22.86 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 161.42 | 4.45 | 0.0 | 0.0 | 165.87 | 17.01 | 0.0 | 0.0 | 148.86 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + | 01 April 2024 | Chargeback | 12.0 | 11.42 | 0.58 | 0.0 | 0.0 | 144.99 | false | false | + + # --- undo last disbursement --- # + # When Admin successfully undo last disbursal + # Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + # | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + # | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + # | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 4 | 31 | 15 April 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 5 | 30 | 15 May 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 6 | 31 | 15 June 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 7 | 30 | 15 July 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 8 | 31 | 15 August 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # Then Loan Repayment schedule has the following data in Total row: + # | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + # | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + # Then Loan Transactions tab has the following data: + # | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + # | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + # | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + # | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4256 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated 2nd disb and charge after re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC8 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 March 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.31 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 4 | 30 | 01 May 2024 | | 89.05 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.14 | 0.0 | 0.0 | 22.41 | 0.0 | 0.0 | 0.0 | 22.41 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.42 | 0.0 | 0.0 | 151.42 | 17.01 | 0.0 | 0.0 | 134.41 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + + When Admin adds "LOAN_NSF_FEE" due date charge with "05 May 2024" due date and 10 EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.31 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 4 | 30 | 01 May 2024 | | 89.05 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.14 | 0.0 | 10.0 | 32.4 | 0.0 | 0.0 | 0.0 | 32.4 | + | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.14 | 0.0 | 0.0 | 22.41 | 0.0 | 0.0 | 0.0 | 22.41 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.42 | 0.0 | 10.0 | 161.42 | 17.01 | 0.0 | 0.0 | 144.41 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + + # --- undo last disbursement --- # + # When Admin successfully undo last disbursal + # Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + # | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + # | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + # | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 4 | 31 | 15 April 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 5 | 30 | 15 May 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 6 | 31 | 15 June 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 7 | 30 | 15 July 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # | 8 | 31 | 15 August 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + # Then Loan Repayment schedule has the following data in Total row: + # | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + # | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + # Then Loan Transactions tab has the following data: + # | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + # | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + # | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + # | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4257 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated 2nd disb after re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC9 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 March 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.3 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 4 | 30 | 01 May 2024 | | 89.03 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 5 | 31 | 01 June 2024 | | 66.76 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 6 | 30 | 01 July 2024 | | 44.49 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 7 | 31 | 01 August 2024 | | 22.22 | 22.27 | 0.37 | 0.0 | 0.0 | 22.64 | 0.0 | 0.0 | 0.0 | 22.64 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.22 | 0.39 | 0.0 | 0.0 | 22.61 | 0.0 | 0.0 | 0.0 | 22.61 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.82 | 0.0 | 0.0 | 152.82 | 17.01 | 0.0 | 0.0 | 135.81 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 135.81 | 133.57 | 2.24 | 0.0 | 0.0 | 0.0 | false | true | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4258 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with CI after re-age with over applied amount - interest bearing multidisb loan with default behaviour - UC10 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | + | 1 | MONTHS | 01 April 2024 | 6 | + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 17.01 | 0.0 | 0.0 | 136.65 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + And Customer makes "AUTOPAY" repayment on "01 April 2024" with 14.3 EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | 01 April 2024 | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 14.3 | 0.0 | 0.0 | 0.0 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 31.31 | 0.0 | 0.0 | 122.35 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 01 April 2024 | Repayment | 14.3 | 13.32 | 0.98 | 0.0 | 0.0 | 120.25 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4259 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with CI after re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC11 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 95.71 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.11 | 0.0 | 0.0 | 24.03 | 0.0 | 0.0 | 0.0 | 24.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.29 | 0.0 | 0.0 | 151.29 | 17.01 | 0.0 | 0.0 | 134.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin successfully undo Loan re-aging transaction + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 67.25 | 33.28 | 0.59 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 5 | 31 | 01 June 2024 | | 33.77 | 33.48 | 0.39 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 6 | 30 | 01 July 2024 | | 0.0 | 33.77 | 0.2 | 0.0 | 0.0 | 33.97 | 0.0 | 0.0 | 0.0 | 33.97 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.74 | 0.0 | 0.0 | 152.74 | 17.01 | 0.0 | 0.0 | 135.73 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true | false | + | 01 April 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4260 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with CI after re-age - interest bearing multidisb loan with equal amortization; outstanding FULL interest - UC12 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 95.71 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.26 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.09 | 0.0 | 0.0 | 152.09 | 17.01 | 0.0 | 0.0 | 135.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4261 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated CI and CI adj after re-age - interest bearing multidisb loan default behaviour - UC13 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | + | 1 | MONTHS | 01 April 2024 | 6 | + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 March 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 5 | 30 | 01 May 2024 | | 89.89 | 22.15 | 0.65 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 6 | 31 | 01 June 2024 | | 67.61 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 7 | 30 | 01 July 2024 | | 45.2 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 8 | 31 | 01 August 2024 | | 22.66 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 9 | 31 | 01 September 2024| | 0.0 | 22.66 | 0.13 | 0.0 | 0.0 | 22.79 | 0.0 | 0.0 | 0.0 | 22.79 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.8 | 0.0 | 0.0 | 153.8 | 17.01 | 0.0 | 0.0 | 136.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + + And Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "01 April 2024" with "20" EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 20.0 | 0.0 | 0.0 | 2.8 | + | 5 | 30 | 01 May 2024 | | 89.89 | 22.15 | 0.65 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 6 | 31 | 01 June 2024 | | 67.61 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 7 | 30 | 01 July 2024 | | 45.2 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 8 | 31 | 01 August 2024 | | 22.66 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 | + | 9 | 31 | 01 September 2024| | 0.0 | 22.66 | 0.13 | 0.0 | 0.0 | 22.79 | 0.0 | 0.0 | 0.0 | 22.79 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.8 | 0.0 | 0.0 | 153.8 | 37.01 | 0.0 | 0.0 | 116.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + | 01 April 2024 | Capitalized Income Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 113.57 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4262 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with 2nd disb and CI after re-age - interest bearing multidisb loan with equal amortization; outstanding payable interest - UC14 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "30" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | | | 01 April 2024 | | 30.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 79.71 | 19.93 | 0.12 | 0.0 | 0.0 | 20.05 | 0.0 | 0.0 | 0.0 | 20.05 | + | 5 | 31 | 01 June 2024 | | 59.78 | 19.93 | 0.12 | 0.0 | 0.0 | 20.05 | 0.0 | 0.0 | 0.0 | 20.05 | + | 6 | 30 | 01 July 2024 | | 39.85 | 19.93 | 0.12 | 0.0 | 0.0 | 20.05 | 0.0 | 0.0 | 0.0 | 20.05 | + | 7 | 31 | 01 August 2024 | | 19.92 | 19.93 | 0.12 | 0.0 | 0.0 | 20.05 | 0.0 | 0.0 | 0.0 | 20.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 19.92 | 0.11 | 0.0 | 0.0 | 20.03 | 0.0 | 0.0 | 0.0 | 20.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 130.0 | 1.29 | 0.0 | 0.0 | 131.29 | 17.01 | 0.0 | 0.0 | 114.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 113.57 | false | false | + + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 April 2024" with "20" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | | | 01 April 2024 | | 30.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 01 April 2024 | | 20.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 95.71 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 5 | 31 | 01 June 2024 | | 71.78 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 6 | 30 | 01 July 2024 | | 47.85 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 7 | 31 | 01 August 2024 | | 23.92 | 23.93 | 0.12 | 0.0 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | 24.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 23.92 | 0.11 | 0.0 | 0.0 | 24.03 | 0.0 | 0.0 | 0.0 | 24.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.29 | 0.0 | 0.0 | 151.29 | 17.01 | 0.0 | 0.0 | 134.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 113.57 | false | false | + | 01 April 2024 | Capitalized Income | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4263 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated re-aging after CI with CI undo afterwards - interest bearing multidisb loan with equal amortization; outstanding FULL interest - UC15 + When Admin sets the business date to "01 January 2024" + When 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | + And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "01 May 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 May 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 34.01 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 May 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 31 | 01 June 2024 | | 42.28 | 41.73 | 0.49 | 0.0 | 0.0 | 42.22 | 0.0 | 0.0 | 0.0 | 42.22 | + | 6 | 30 | 01 July 2024 | | 0.0 | 42.28 | 0.25 | 0.0 | 0.0 | 42.53 | 0.0 | 0.0 | 0.0 | 42.53 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.79 | 0.0 | 0.0 | 152.79 | 17.01 | 0.0 | 0.0 | 135.78 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 May 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 01 April 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.26 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.26 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | | | 01 May 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 31 | 01 June 2024 | | 79.28 | 26.43 | 0.26 | 0.0 | 0.0 | 26.69 | 0.0 | 0.0 | 0.0 | 26.69 | + | 6 | 30 | 01 July 2024 | | 52.85 | 26.43 | 0.26 | 0.0 | 0.0 | 26.69 | 0.0 | 0.0 | 0.0 | 26.69 | + | 7 | 31 | 01 August 2024 | | 26.42 | 26.43 | 0.26 | 0.0 | 0.0 | 26.69 | 0.0 | 0.0 | 0.0 | 26.69 | + | 8 | 31 | 01 September 2024 | | 0.0 | 26.42 | 0.27 | 0.0 | 0.0 | 26.69 | 0.0 | 0.0 | 0.0 | 26.69 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.15 | 0.0 | 0.0 | 152.15 | 17.01 | 0.0 | 0.0 | 135.14 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 April 2024 | Re-age | 85.14 | 83.57 | 1.57 | 0.0 | 0.0 | 0.0 | false | false | + | 01 May 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + + When Admin sets the business date to "02 May 2024" + When Customer undo "1"th "Capitalized Income" transaction made on "01 May 2024" + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 01 April 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.26 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.26 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.26 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.26 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.26 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.27 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 17.01 | 0.0 | 0.0 | 85.14 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 April 2024 | Re-age | 85.14 | 83.57 | 1.57 | 0.0 | 0.0 | 0.0 | false | false | + | 01 May 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | true | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4264 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with 2nd disb and chargeback after re-age - interest bearing multidisb loan that expects tranches with default behaviour - UC16 + When Admin sets the business date to "01 January 2024" + When Admin creates a client with random data + When Admin creates a fully customized loan with disbursements details and 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 | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100.0 | 01 April 2024 | 50.0 | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 | + | 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + Then Loan Tranche Details tab has the following data: + | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | + | 01 January 2024 | 01 January 2024 | 100.0 | | + | 01 April 2024 | | 50.0 | | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 | + | 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | + | 1 | MONTHS | 01 April 2024 | 6 | + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 | + | 5 | 30 | 01 May 2024 | | 106.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 6 | 31 | 01 June 2024 | | 92.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 7 | 30 | 01 July 2024 | | 78.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 8 | 31 | 01 August 2024 | | 64.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | 9 | 31 | 01 September 2024 | | 50.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 17.01 | 0.0 | 0.0 | 136.65 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + Then Loan Tranche Details tab has the following data: + | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | + | 01 January 2024 | 01 January 2024 | 100.0 | | + | 01 April 2024 | 01 April 2024 | 50.0 | | + + When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 12 EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 30 | 01 May 2024 | | 96.55 | 35.7 | 0.77 | 0.0 | 0.0 | 36.47 | 0.0 | 0.0 | 0.0 | 36.47 | + | 6 | 31 | 01 June 2024 | | 72.64 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 7 | 30 | 01 July 2024 | | 48.59 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 8 | 31 | 01 August 2024 | | 24.4 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 | + | 9 | 31 | 01 September 2024 | | 0.0 | 24.4 | 0.14 | 0.0 | 0.0 | 24.54 | 0.0 | 0.0 | 0.0 | 24.54 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 162.0 | 3.73 | 0.0 | 0.0 | 165.73 | 17.01 | 0.0 | 0.0 | 148.72 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 01 April 2024 | Chargeback | 12.0 | 12.0 | 0.0 | 0.0 | 0.0 | 145.57 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4265 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated 2nd disb and charge after re-age - interest bearing multidisb loan that expects tranches with equal amortization; outstanding payable interest - UC17 + When Admin sets the business date to "01 January 2024" + When Admin creates a client with random data + When Admin creates a fully customized loan with disbursements details and 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 | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | + | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100.0 | 01 March 2024 | 50.0 | + And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 | + | 3 | 31 | 01 April 2024 | | 100.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + Then Loan Tranche Details tab has the following data: + | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | + | 01 January 2024 | 01 January 2024 | 100.0 | | + | 01 March 2024 | | 50.0 | | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 | + | 3 | 31 | 01 April 2024 | | 100.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + + When Admin sets the business date to "15 March 2024" + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 01 April 2024 | 6 | EQUAL_AMORTIZATION_PAYABLE_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + + When Admin sets the business date to "01 April 2024" + When Admin adds "LOAN_NSF_FEE" due date charge with "05 October 2024" due date and 10 EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 31 | 01 April 2024 | | 69.64 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 4 | 30 | 01 May 2024 | | 55.71 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 5 | 31 | 01 June 2024 | | 41.78 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 6 | 30 | 01 July 2024 | | 27.85 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 7 | 31 | 01 August 2024 | | 13.92 | 13.93 | 0.12 | 0.0 | 0.0 | 14.05 | 0.0 | 0.0 | 0.0 | 14.05 | + | 8 | 31 | 01 September 2024 | | 0.0 | 13.92 | 0.11 | 0.0 | 0.0 | 14.03 | 0.0 | 0.0 | 0.0 | 14.03 | + | 9 | 34 | 05 October 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 1.29 | 0.0 | 10.0 | 111.29 | 17.01 | 0.0 | 0.0 | 94.28 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false | + And Loan Charges tab has the following data: + | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | + | NSF fee | true | Specified due date | 05 October 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | + + When Admin successfully disburse the loan on "01 March 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | | 111.31 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 4 | 30 | 01 May 2024 | | 89.05 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.14 | 0.0 | 0.0 | 22.41 | 0.0 | 0.0 | 0.0 | 22.41 | + | 9 | 34 | 05 October 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.42 | 0.0 | 10.0 | 161.42 | 17.01 | 0.0 | 0.0 | 144.41 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + Then Loan Tranche Details tab has the following data: + | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | + | 01 January 2024 | 01 January 2024 | 100.0 | | + | 01 March 2024 | 01 March 2024 | 50.0 | | + + And Customer makes "AUTOPAY" repayment on "01 April 2024" with 22.4 EUR transaction amount + Then Loan Repayment schedule has 9 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 3 | 31 | 01 April 2024 | 01 April 2024 | 111.31 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 22.4 | 0.0 | 0.0 | 0.0 | + | 4 | 30 | 01 May 2024 | | 89.05 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 5 | 31 | 01 June 2024 | | 66.79 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 6 | 30 | 01 July 2024 | | 44.53 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 7 | 31 | 01 August 2024 | | 22.27 | 22.26 | 0.14 | 0.0 | 0.0 | 22.4 | 0.0 | 0.0 | 0.0 | 22.4 | + | 8 | 31 | 01 September 2024 | | 0.0 | 22.27 | 0.14 | 0.0 | 0.0 | 22.41 | 0.0 | 0.0 | 0.0 | 22.41 | + | 9 | 34 | 05 October 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 1.42 | 0.0 | 10.0 | 161.42 | 39.41 | 0.0 | 0.0 | 122.01 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true | + | 01 April 2024 | Repayment | 22.4 | 22.26 | 0.14 | 0.0 | 0.0 | 111.31 | false | false | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + + @TestRailId:C4266 @AdvancedPaymentAllocation + Scenario: Verify Loan re-aging trn with backdated 2nd disb after re-age - interest bearing multidisb loan that expects tranches with equal amortization; outstanding full interest - UC18 + When Admin sets the business date to "01 January 2024" + When Admin creates a client with random data + When Admin creates a fully customized loan with disbursements details and 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 | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | + | LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_EXPECT_TRANCHE_APPROVED_OVER_APPLIED | 01 January 2024 | 200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100.0 | 01 April 2024 | 50.0 | + And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024" + When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + Then Loan Tranche Details tab has the following data: + | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | + | 01 January 2024 | 01 January 2024 | 100.0 | | + | 01 April 2024 | | 50.0 | | + + When Admin sets the business date to "01 February 2024" + And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 | + | 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + +# --- 2nd disbursement ---# + When Admin sets the business date to "01 April 2024" + When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 6 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 30 | 01 May 2024 | | 67.25 | 33.28 | 0.59 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 5 | 31 | 01 June 2024 | | 33.77 | 33.48 | 0.39 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 | + | 6 | 30 | 01 July 2024 | | 0.0 | 33.77 | 0.2 | 0.0 | 0.0 | 33.97 | 0.0 | 0.0 | 0.0 | 33.97 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.74 | 0.0 | 0.0 | 152.74 | 17.01 | 0.0 | 0.0 | 135.73 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + +# --- backdated re-aging on March, 15 2024 --- # + When Admin creates a Loan re-aging transaction by Loan external ID with the following data: + | frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling | + | 1 | MONTHS | 15 March 2024 | 6 | EQUAL_AMORTIZATION_FULL_INTEREST | + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 31 | 15 April 2024 | | 95.71 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 5 | 30 | 15 May 2024 | | 71.78 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 6 | 31 | 15 June 2024 | | 47.85 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 7 | 30 | 15 July 2024 | | 23.92 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | 8 | 31 | 15 August 2024 | | 0.0 | 23.92 | 0.26 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 150.0 | 2.09 | 0.0 | 0.0 | 152.09 | 17.01 | 0.0 | 0.0 | 135.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + +# --- add 2nd expected disbursement details with expected disbursement date - 15 Apr, 2024 --- # + And Admin successfully add disbursement detail to the loan on "15 April 2024" with 50 EUR transaction amount + Then Loan Tranche Details tab has the following data: + | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | + | 01 January 2024 | 01 January 2024 | 100.0 | | + | 01 April 2024 | 01 April 2024 | 50.0 | | + | 15 April 2024 | | 50.0 | 50.0 | + + When Admin sets the business date to "15 April 2024" + When Admin successfully disburse the loan on "15 April 2024" with "50" EUR transaction amount + Then Loan Repayment schedule has 8 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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | + | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | + | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 | + | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 4 | 31 | 15 April 2024 | | 95.71 | 23.93 | 0.25 | 0.0 | 0.0 | 24.18 | 0.0 | 0.0 | 0.0 | 24.18 | + | | | 15 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 5 | 30 | 15 May 2024 | | 109.28 | 36.43 | 0.25 | 0.0 | 0.0 | 36.68 | 0.0 | 0.0 | 0.0 | 36.68 | + | 6 | 31 | 15 June 2024 | | 72.85 | 36.43 | 0.25 | 0.0 | 0.0 | 36.68 | 0.0 | 0.0 | 0.0 | 36.68 | + | 7 | 30 | 15 July 2024 | | 36.42 | 36.43 | 0.25 | 0.0 | 0.0 | 36.68 | 0.0 | 0.0 | 0.0 | 36.68 | + | 8 | 31 | 15 August 2024 | | 0.0 | 36.42 | 0.26 | 0.0 | 0.0 | 36.68 | 0.0 | 0.0 | 0.0 | 36.68 | + Then Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 200.0 | 2.09 | 0.0 | 0.0 | 202.09 | 17.01 | 0.0 | 0.0 | 185.08 | + Then Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | + | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | + | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | + | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false | + | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false | + | 15 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.57 | false | false | + Then Loan Tranche Details tab has the following data: + | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | + | 01 January 2024 | 01 January 2024 | 100.0 | | + | 01 April 2024 | 01 April 2024 | 50.0 | | + | 15 April 2024 | 15 April 2024 | 50.0 | 50.0 | + + When Loan Pay-off is made on "01 April 2024" + Then Loan is closed with zero outstanding balance and it's all installments have obligations met + +