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FINERACT-1968: Progressive Loan schedule handling - interest handling (DECLINING BALANCE interest, Same as repayment period, Equal installments) - E2E tests

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This commit is contained in:
Peter Kovacs
2025-08-05 13:49:41 +02:00
committed by Adam Saghy
parent dfab66132b
commit 9f53440543
5 changed files with 1675 additions and 3 deletions
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.gitignore
+3 -1
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@@ -32,4 +32,6 @@ fineract-provider/src/main/generated/
gradleExp/
.run/
.java-version
.java-version
.windsurf/
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+3
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@@ -154,6 +154,9 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_INTEREST_DAILY_INSTALLMENT_FEE_ALL_CHARGES, //
LP2_ADV_PYMNT_INTEREST_DAILY_INSTALLMENT_FEE_FLAT_INTEREST_CHARGES_TRANCHE, //
LP1_MULTIDISBURSAL_EXPECTS_TRANCHES, //
LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_PARTIAL_PERIOD, //
LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_PARTIAL_PERIOD, //
LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_NO_PARTIAL_PERIOD, //
;
@Override
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+109 -2
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@@ -47,7 +47,10 @@ import org.apache.fineract.test.data.ChargeProductType;
import org.apache.fineract.test.data.DaysInMonthType;
import org.apache.fineract.test.data.DaysInYearType;
import org.apache.fineract.test.data.InterestCalculationPeriodTime;
import org.apache.fineract.test.data.InterestRecalculationCompoundingMethod;
import org.apache.fineract.test.data.InterestType;
import org.apache.fineract.test.data.OverAppliedCalculationType;
import org.apache.fineract.test.data.PreClosureInterestCalculationRule;
import org.apache.fineract.test.data.RecalculationRestFrequencyType;
import org.apache.fineract.test.data.TransactionProcessingStrategyCode;
import org.apache.fineract.test.data.loanproduct.DefaultLoanProduct;
@@ -3426,17 +3429,121 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_MULTIDISBURSAL_EXPECTS_TRANCHES,
responseLoanProductMultidisbursalExpectTranches);
// LP2 with progressive loan schedule + horizontal +
// interest Declining balance, Same as repayment period
// interest recalculation enabled - daily
// EMI + 360/30
// multidisbursement - calculate partial period enabled
// (LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_PARTIAL_PERIOD)
final String name131 = DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_PARTIAL_PERIOD
.getName();
final PostLoanProductsRequest loanProductsRequestLP2AdvPmtIntDeclSarpEmi3630IntRecalcDailyMutiDisbPartial = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.name(name131)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.interestType(InterestType.DECLINING_BALANCE.getValue())//
.isEqualAmortization(false)//
.interestCalculationPeriodType(InterestCalculationPeriodTime.SAME_AS_REPAYMENT_PERIOD.getValue())//
.isInterestRecalculationEnabled(true)//
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY.value)//
.preClosureInterestCalculationStrategy(PreClosureInterestCalculationRule.TILL_PRE_CLOSE_DATE.value)//
.rescheduleStrategyMethod(AdvancePaymentsAdjustmentType.ADJUST_LAST_UNPAID_PERIOD.value)//
.interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE.value)//
.recalculationRestFrequencyInterval(1)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")))//
.multiDisburseLoan(true)//
.allowPartialPeriodInterestCalcualtion(true)//
.disallowExpectedDisbursements(true)//
.maxTrancheCount(10)//
.outstandingLoanBalance(10000.0);//
final Response<PostLoanProductsResponse> responseLoanProductsRequestLP2AdvPmtIntDeclSarpEmi3630IntRecalcDailyMutiDisbPartial = loanProductsApi
.createLoanProduct(loanProductsRequestLP2AdvPmtIntDeclSarpEmi3630IntRecalcDailyMutiDisbPartial).execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_PARTIAL_PERIOD,
responseLoanProductsRequestLP2AdvPmtIntDeclSarpEmi3630IntRecalcDailyMutiDisbPartial);
// LP2 with progressive loan schedule + horizontal +
// interest Declining balance, Same as repayment period
// interest recalculation disabled
// EMI + 360/30
// multidisbursement - calculate partial period enabled
// (LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_PARTIAL_PERIOD)
final String name132 = DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_PARTIAL_PERIOD
.getName();
final PostLoanProductsRequest loanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbPartial = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.name(name132)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.interestType(InterestType.DECLINING_BALANCE.getValue())//
.isEqualAmortization(false)//
.interestCalculationPeriodType(InterestCalculationPeriodTime.SAME_AS_REPAYMENT_PERIOD.getValue())//
.isInterestRecalculationEnabled(false)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")))//
.multiDisburseLoan(true)//
.allowPartialPeriodInterestCalcualtion(true)//
.disallowExpectedDisbursements(true)//
.maxTrancheCount(10)//
.outstandingLoanBalance(10000.0);//
final Response<PostLoanProductsResponse> responseLoanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbPartial = loanProductsApi
.createLoanProduct(loanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbPartial).execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_PARTIAL_PERIOD,
responseLoanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbPartial);
// LP2 with progressive loan schedule + horizontal +
// interest Declining balance, Same as repayment period
// interest recalculation disabled
// EMI + 360/30
// multidisbursement - calculate partial period disabled
// (LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_NO_PARTIAL_PERIOD)
final String name133 = DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_NO_PARTIAL_PERIOD
.getName();
final PostLoanProductsRequest loanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbNoPartial = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.name(name133)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.interestType(InterestType.DECLINING_BALANCE.getValue())//
.isEqualAmortization(false)//
.interestCalculationPeriodType(InterestCalculationPeriodTime.SAME_AS_REPAYMENT_PERIOD.getValue())//
.isInterestRecalculationEnabled(false)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")))//
.multiDisburseLoan(true)//
.allowPartialPeriodInterestCalcualtion(false)//
.disallowExpectedDisbursements(true)//
.maxTrancheCount(10)//
.outstandingLoanBalance(10000.0);//
final Response<PostLoanProductsResponse> responseLoanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbNoPartial = loanProductsApi
.createLoanProduct(loanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbNoPartial).execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_NO_PARTIAL_PERIOD,
responseLoanProductsRequestLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbNoPartial);
// LP2 with progressive loan schedule + horizontal + interest EMI + 360/30
// + interest recalculation, preClosureInterestCalculationStrategy= till preclose
// Frequency for recalculate Outstanding Principal: Daily, Frequency Interval for recalculation: 1
// allow approved/disbursed amount over applied amount is enabled with percentage
// multidisbursal loan that expects tranches
// type
final String name131 = DefaultLoanProduct.LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES
final String name134 = DefaultLoanProduct.LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES
.getName();
final PostLoanProductsRequest loanProductsRequestLP2ProgressiveAdvPymnt36030InterestRecalcMultidisbApprovedOverAppliedExpectTranches = loanProductsRequestFactory
.defaultLoanProductsRequestLP2EmiCapitalizedIncome()//
.name(name131)//
.name(name134)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.isInterestRecalculationEnabled(true)//
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+3
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@@ -255,5 +255,8 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INSTALLMENT_FEE_PERCENT_AMOUNT_INTEREST_CHARGES = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyInstallmentFeeAmountPlusPercentageInterestCharges";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INSTALLMENT_FEE_ALL_CHARGES = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyInstallmentFeeAllCharges";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INSTALLMENT_FEE_FLAT_INTEREST_CHARGES_TRANCHE = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyInstallmentFeeFlatPlusPercentageInterestChargesMultidisbursal";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_PARTIAL_PERIOD = "loanProductCreateResponseLP2AdvPmtIntDeclSarpEmi3630IntRecalcDailyMutiDisbPartial";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_PARTIAL_PERIOD = "loanProductCreateResponseLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbPartial";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DECL_BAL_SARP_EMI_360_30_NO_INT_RECALC_MULTIDISB_NO_PARTIAL_PERIOD = "loanProductCreateResponseLP2AdvPmtIntDeclSarpEmi3630NoIntRecalcMutiDisbNoPartial";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentInterestRecalculationMultidisbursalApprovedOverAppliedAmountExpectedTransches";
}
fineract-e2e-tests-runner/src/test/resources/features/LoanRepaymentSchedule.feature
+1557
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