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FINERACT-2421: e2e test scenarios for adjust interest with MIR and CBR results in improper allocations

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MarianaDmytrivBinariks
2026-02-05 16:01:05 +01:00
committed by Adam Saghy
parent 0904c4f530
commit a98c1434ac
2 changed files with 375 additions and 8 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanMerchantIssuedRefund.feature
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@@ -696,6 +696,345 @@ Feature: MerchantIssuedRefund
#following steps will fail if Interest Refund is not recalculated properly
Then Loan has 23.97 outstanding amount
@TestRailId:C4570
Scenario: Verify MIR and CBR with adjust interest afterwards outcomes with improper allocations on account - UC1
When Admin sets the business date to "24 September 2024"
And Admin creates a client with random data
And 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 24 September 2024 | 116.89 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "24 September 2024" with "116.89" amount and expected disbursement date on "24 September 2024"
And Admin successfully disburse the loan on "24 September 2024" with "116.89" 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | | 79.08 | 37.81 | 3.51 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 2 | 31 | 24 November 2024 | | 40.13 | 38.95 | 2.37 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 3 | 30 | 24 December 2024 | | 0.0 | 40.13 | 1.2 | 0.0 | 0.0 | 41.33 | 0.0 | 0.0 | 0.0 | 41.33 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 7.08 | 0.0 | 0.0 | 123.97 | 0.0 | 0.0 | 0.0 | 123.97 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
# --- repayment transaction --- #
When Admin sets the business date to "26 September 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "26 September 2024" with 117.12 EUR transaction amount and system-generated Idempotency key
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
# --- Merchant Issue Refund transaction --- #
When Admin sets the business date to "06 October 2024"
Then Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "06 October 2024" with 8.13 EUR transaction amount and system-generated Idempotency key
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 8.14 overpaid 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Merchant Issued Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- Credit Balance Refund transaction --- #
When Admin sets the business date to "07 October 2024"
And Admin makes Credit Balance Refund transaction on "07 October 2024" with 8.14 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Merchant Issued Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- loan reschedule with new interest rate --- #
When Admin sets the business date to "30 October 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 25 September 2024 | 30 October 2024 | | | | | 25.99 |
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 0.06 overpaid 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 76.4 | 40.49 | 0.17 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 35.74 | 40.66 | 0.0 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 35.74 | 0.0 | 0.0 | 0.0 | 35.74 | 35.74 | 35.74 | 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 |
| 116.89 | 0.17 | 0.0 | 0.0 | 117.06 | 117.06 | 117.06 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 26 September 2024 | Accrual Activity | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 06 October 2024 | Merchant Issued Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 30 October 2024 | Accrual Adjustment | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
And Admin makes Credit Balance Refund transaction on "30 October 2024" with 0.06 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4541
Scenario: Verify PR and CBR with adjust interest afterwards outcomes with improper allocations on account - UC2
When Admin sets the business date to "24 September 2024"
And Admin creates a client with random data
And 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 24 September 2024 | 116.89 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "24 September 2024" with "116.89" amount and expected disbursement date on "24 September 2024"
And Admin successfully disburse the loan on "24 September 2024" with "116.89" 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | | 79.08 | 37.81 | 3.51 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 2 | 31 | 24 November 2024 | | 40.13 | 38.95 | 2.37 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 3 | 30 | 24 December 2024 | | 0.0 | 40.13 | 1.2 | 0.0 | 0.0 | 41.33 | 0.0 | 0.0 | 0.0 | 41.33 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 7.08 | 0.0 | 0.0 | 123.97 | 0.0 | 0.0 | 0.0 | 123.97 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
# --- repayment transaction --- #
When Admin sets the business date to "26 September 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "26 September 2024" with 117.12 EUR transaction amount and system-generated Idempotency key
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
# --- Merchant Issue Refund transaction --- #
When Admin sets the business date to "06 October 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "06 October 2024" with 8.13 EUR transaction amount and system-generated Idempotency key
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 8.14 overpaid 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Payout Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- Credit Balance Refund transaction --- #
When Admin sets the business date to "07 October 2024"
And Admin makes Credit Balance Refund transaction on "07 October 2024" with 8.14 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Payout Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- loan reschedule with new interest rate --- #
When Admin sets the business date to "30 October 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 25 September 2024 | 30 October 2024 | | | | | 25.99 |
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 0.06 overpaid 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 76.4 | 40.49 | 0.17 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 35.74 | 40.66 | 0.0 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 35.74 | 0.0 | 0.0 | 0.0 | 35.74 | 35.74 | 35.74 | 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 |
| 116.89 | 0.17 | 0.0 | 0.0 | 117.06 | 117.06 | 117.06 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 26 September 2024 | Accrual Activity | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 06 October 2024 | Payout Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 30 October 2024 | Accrual Adjustment | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
And Admin makes Credit Balance Refund transaction on "30 October 2024" with 0.06 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4571
Scenario: Verify Goodwill Credit and CBR with adjust interest afterwards outcomes with improper allocations on account - UC3
When Admin sets the business date to "24 September 2024"
And Admin creates a client with random data
And 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 24 September 2024 | 116.89 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "24 September 2024" with "116.89" amount and expected disbursement date on "24 September 2024"
And Admin successfully disburse the loan on "24 September 2024" with "116.89" 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | | 79.08 | 37.81 | 3.51 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 2 | 31 | 24 November 2024 | | 40.13 | 38.95 | 2.37 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 3 | 30 | 24 December 2024 | | 0.0 | 40.13 | 1.2 | 0.0 | 0.0 | 41.33 | 0.0 | 0.0 | 0.0 | 41.33 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 7.08 | 0.0 | 0.0 | 123.97 | 0.0 | 0.0 | 0.0 | 123.97 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
# --- repayment transaction --- #
When Admin sets the business date to "26 September 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "26 September 2024" with 117.12 EUR transaction amount and system-generated Idempotency key
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
# --- Merchant Issue Refund transaction --- #
When Admin sets the business date to "06 October 2024"
When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "06 October 2024" with 8.13 EUR transaction amount
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 8.13 overpaid 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Goodwill Credit | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- Credit Balance Refund transaction --- #
When Admin sets the business date to "07 October 2024"
And Admin makes Credit Balance Refund transaction on "07 October 2024" with 8.13 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 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 |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Goodwill Credit | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- loan reschedule with new interest rate --- #
When Admin sets the business date to "30 October 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 25 September 2024 | 30 October 2024 | | | | | 25.99 |
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 0.06 overpaid 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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 76.4 | 40.49 | 0.17 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 35.74 | 40.66 | 0.0 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 35.74 | 0.0 | 0.0 | 0.0 | 35.74 | 35.74 | 35.74 | 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 |
| 116.89 | 0.17 | 0.0 | 0.0 | 117.06 | 117.06 | 117.06 | 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 |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 26 September 2024 | Accrual Activity | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 06 October 2024 | Goodwill Credit | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 30 October 2024 | Accrual Adjustment | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
And Admin makes Credit Balance Refund transaction on "30 October 2024" with 0.06 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4542
Scenario: Verify adding manual Interest Refund on closed loan with multiple tranches
When Admin sets the business date to "07 March 2025"