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FINERACT-2181: fix accrual calculation date condition

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mark.vituska
2025-05-22 11:41:19 +02:00
committed by Arnold Gálovics
parent 9c01540990
commit a3a5aabb7f
2 changed files with 151 additions and 1 deletions
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fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
+142
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@@ -6933,3 +6933,145 @@ Feature: Loan
| 10 April 2024 | Accrual | 1.72 | 0.0 | 1.72 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
# @TestRailId:C_1
Scenario: Verify repayment schedule and accrual transactions created after penalty is added for paid off loan on maturity date
When Admin sets the business date to "08 May 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_ACCRUAL_ACTIVITY | 08 May 2024 | 1000 | 12.19 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "08 May 2024" with "1000" amount and expected disbursement date on "08 May 2024"
When Admin successfully disburse the loan on "08 May 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2024 | | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
| 2 | 30 | 08 July 2024 | | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
| 3 | 31 | 08 August 2024 | | 0.0 | 336.71 | 3.42 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.39 | 0.0 | 0.0 | 1020.39 | 0.0 | 0.0 | 0.0 | 1020.39 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "08 June 2024"
And Customer makes "AUTOPAY" repayment on "08 June 2024" with 340.13 EUR transaction amount
When Admin sets the business date to "08 July 2024"
And Customer makes "AUTOPAY" repayment on "08 July 2024" with 340.13 EUR transaction amount
When Admin sets the business date to "08 August 2024"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "08 August 2024" with 340.13 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 08 August 2024 | 08 August 2024 | 0.0 | 336.71 | 3.42 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.39 | 0.0 | 0.0 | 1020.39 | 1020.39 | 0.0 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
| 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
| 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
| 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
| 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual Activity | 3.42 | 0.0 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
# --- add penalty for paid off loan on maturity date ---#
When Admin adds "LOAN_NSF_FEE" due date charge with "08 August 2024" due date and 2.8 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 08 August 2024 | | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 340.13 | 0.0 | 0.0 | 2.8 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1020.39 | 0.0 | 0.0 | 2.8 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
| 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
| 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
| 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
| 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "09 August 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 08 August 2024 | | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 340.13 | 0.0 | 0.0 | 2.8 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1020.39 | 0.0 | 0.0 | 2.8 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
| 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
| 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
| 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
| 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
| 08 August 2024 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
When Admin sets the business date to "15 August 2024"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 August 2024" with 2.8 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 08 August 2024 | 15 August 2024 | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 342.93 | 0.0 | 2.8 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1023.19 | 0.0 | 2.8 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
| 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
| 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
| 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
| 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
| 08 August 2024 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
| 15 August 2024 | Repayment | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
When Admin sets the business date to "16 August 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 08 August 2024 | 15 August 2024 | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 342.93 | 0.0 | 2.8 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1023.19 | 0.0 | 2.8 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
| 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
| 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
| 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
| 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
| 08 August 2024 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
| 15 August 2024 | Repayment | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanAccrualsProcessingServiceImpl.java
+9 -1
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@@ -358,7 +358,7 @@ public class LoanAccrualsProcessingServiceImpl implements LoanAccrualsProcessing
if (progressiveAccrual && accruedTill != null && !DateUtils.isAfter(tillDate, accruedTill)) {
if (isFinal) {
reverseTransactionsAfter(existingAccruals, accrualDate, addJournal);
} else if (existingAccruals.stream().anyMatch(t -> !t.isReversed() && !DateUtils.isBefore(t.getDateOf(), accrualDate))) {
} else if (isExistAccrualAfterDate(existingAccruals, accrualDate) && hasNoActiveChargeOnDate(loan, accrualDate)) {
return;
}
}
@@ -445,6 +445,14 @@ public class LoanAccrualsProcessingServiceImpl implements LoanAccrualsProcessing
}
}
private boolean isExistAccrualAfterDate(List<LoanTransaction> existingAccruals, LocalDate accrualDate) {
return existingAccruals.stream().anyMatch(t -> !t.isReversed() && !DateUtils.isBefore(t.getDateOf(), accrualDate));
}
private boolean hasNoActiveChargeOnDate(Loan loan, LocalDate accrualDate) {
return loan.getLoanCharges(t -> t.isActive() && DateUtils.isEqual(t.getDueDate(), accrualDate)).isEmpty();
}
private AccrualPeriodsData calculateAccrualAmounts(@NotNull final Loan loan, @NotNull final LocalDate tillDate, final boolean periodic,
final boolean isFinal, final boolean chargeOnDueDate) {
final LoanProductRelatedDetail productDetail = loan.getLoanProductRelatedDetail();