FINERACT-2311: Add buydown fees adjustments

2025-07-07 15:29:27 +02:00
parent c8b88c3664
commit b2bce4a45d
20 changed files with 646 additions and 8 deletions
@@ -0,0 +1,53 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.DataIntegrityErrorHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.loanaccount.service.BuyDownFeePlatformService;
+import org.springframework.dao.DataIntegrityViolationException;
+import org.springframework.orm.jpa.JpaSystemException;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@CommandType(entity = "LOAN", action = "BUYDOWNFEEADJUSTMENT")
+public class BuyDownFeeAdjustmentCommandHandler implements NewCommandSourceHandler {
+
+    private final BuyDownFeePlatformService buyDownFeePlatformService;
+    private final DataIntegrityErrorHandler dataIntegrityErrorHandler;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        try {
+            return this.buyDownFeePlatformService.buyDownFeeAdjustment(command.getLoanId(), command.entityId(), command);
+        } catch (final JpaSystemException | DataIntegrityViolationException dve) {
+            dataIntegrityErrorHandler.handleDataIntegrityIssues(command, dve.getMostSpecificCause(), dve, "loan.buy.down.fee",
+                    "Buy Down Fee");
+            return CommandProcessingResult.empty();
+        }
+    }
+}
@@ -18,9 +18,32 @@
 */
 package org.apache.fineract.portfolio.loanaccount.repository;

+import java.math.BigDecimal;
+import java.util.List;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeBalance;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepaymentPeriodData;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.JpaSpecificationExecutor;
+import org.springframework.data.jpa.repository.Query;

 public interface LoanBuyDownFeesBalanceRepository
-        extends JpaRepository<LoanBuyDownFeeBalance, Long>, JpaSpecificationExecutor<LoanBuyDownFeeBalance> {}
+        extends JpaRepository<LoanBuyDownFeeBalance, Long>, JpaSpecificationExecutor<LoanBuyDownFeeBalance> {
+
+    String FIND_BALANCE_REPAYMENT_SCHEDULE_DATA = "SELECT new org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepaymentPeriodData(lbfb.loanTransaction.id, lbfb.loan.id, lbfb.loanTransaction.dateOf, lbfb.loanTransaction.reversed, lbfb.amount, lbfb.unrecognizedAmount, lbfb.loanTransaction.feeChargesPortion) FROM LoanBuyDownFeeBalance lbfb ";
+
+    List<LoanBuyDownFeeBalance> findAllByLoanId(Long loanId);
+
+    LoanBuyDownFeeBalance findByLoanIdAndLoanTransactionId(Long loanId, Long transactionId);
+
+    @Query(FIND_BALANCE_REPAYMENT_SCHEDULE_DATA + " WHERE lbfb.loan.id = :loanId")
+    List<LoanTransactionRepaymentPeriodData> findRepaymentPeriodDataByLoanId(Long loanId);
+
+    @Query("SELECT SUM(lbfb.amount) FROM LoanBuyDownFeeBalance lbfb WHERE lbfb.loan.id = :loanId")
+    BigDecimal calculateBuydownFeeAmount(Long loanId);
+
+    @Query("SELECT SUM(lbfb.amountAdjustment) FROM LoanBuyDownFeeBalance lbfb WHERE lbfb.loan.id = :loanId")
+    BigDecimal calculateBuydownFeeAdjustment(Long loanId);
+
+    @Query("SELECT lbfb FROM LoanBuyDownFeeBalance lbfb, LoanTransaction lt, LoanTransactionRelation ltr WHERE lt.loan.id = lbfb.loan.id AND ltr.fromTransaction.id =:transactionId AND ltr.toTransaction.id=lt.id AND lbfb.loanTransaction.id = lt.id")
+    LoanBuyDownFeeBalance findBalanceForAdjustment(Long transactionId);
+}
@@ -26,4 +26,7 @@ public interface BuyDownFeePlatformService {

    @Transactional
    CommandProcessingResult makeLoanBuyDownFee(Long loanId, JsonCommand command);
+
+    @Transactional
+    CommandProcessingResult buyDownFeeAdjustment(Long loanId, Long buyDownFeeTransactionId, JsonCommand command);
 }
@@ -24,6 +24,7 @@ import java.util.ArrayList;
 import java.util.LinkedHashMap;
 import java.util.List;
 import java.util.Map;
+import java.util.Optional;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.StringUtils;
@@ -31,7 +32,13 @@ import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.infrastructure.core.domain.ExternalId;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.infrastructure.core.service.MathUtil;
+import org.apache.fineract.infrastructure.event.business.domain.loan.LoanBalanceChangedBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanBuyDownFeeTransactionCreatedBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
 import org.apache.fineract.organisation.monetary.domain.Money;
 import org.apache.fineract.portfolio.client.domain.Client;
 import org.apache.fineract.portfolio.client.exception.ClientNotActiveException;
@@ -39,7 +46,10 @@ import org.apache.fineract.portfolio.group.domain.Group;
 import org.apache.fineract.portfolio.group.exception.GroupNotActiveException;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeBalance;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanLifecycleStateMachine;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelation;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelationTypeEnum;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
 import org.apache.fineract.portfolio.loanaccount.repository.LoanBuyDownFeesBalanceRepository;
 import org.apache.fineract.portfolio.note.service.NoteWritePlatformService;
@@ -59,6 +69,10 @@ public class BuyDownFeeWritePlatformServiceImpl implements BuyDownFeePlatformSer
    private final NoteWritePlatformService noteWritePlatformService;
    private final ExternalIdFactory externalIdFactory;
    private final LoanBuyDownFeesBalanceRepository loanBuyDownFeesBalanceRepository;
+    private final ReprocessLoanTransactionsService reprocessLoanTransactionsService;
+    private final LoanBalanceService loanBalanceService;
+    private final LoanLifecycleStateMachine loanLifecycleStateMachine;
+    private final BusinessEventNotifierService businessEventNotifierService;

    @Transactional
    @Override
@@ -92,7 +106,7 @@ public class BuyDownFeeWritePlatformServiceImpl implements BuyDownFeePlatformSer
        // Save transaction
        loanTransactionRepository.saveAndFlush(buyDownFeeTransaction);

-        // Create Buy Down Fee balances
+        // Create Buy Down Fee balance
        createBuyDownFeeBalance(buyDownFeeTransaction);

        // Update loan derived fields
@@ -107,6 +121,10 @@ public class BuyDownFeeWritePlatformServiceImpl implements BuyDownFeePlatformSer
        // Post journal entries
        loanJournalEntryPoster.postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);

+        // Notify business events
+        businessEventNotifierService.notifyPostBusinessEvent(new LoanBuyDownFeeTransactionCreatedBusinessEvent(buyDownFeeTransaction));
+        businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
+
        return new CommandProcessingResultBuilder() //
                .withClientId(loan.getClientId()) //
                .withOfficeId(loan.getOfficeId()) //
@@ -116,6 +134,90 @@ public class BuyDownFeeWritePlatformServiceImpl implements BuyDownFeePlatformSer
                .build();
    }

+    @Override
+    @Transactional
+    public CommandProcessingResult buyDownFeeAdjustment(final Long loanId, final Long buyDownFeeTransactionId, final JsonCommand command) {
+        this.loanTransactionValidator.validateBuyDownFeeAdjustment(command, loanId, buyDownFeeTransactionId);
+        final Loan loan = this.loanAssembler.assembleFrom(loanId);
+        checkClientOrGroupActive(loan);
+
+        final List<Long> existingTransactionIds = new ArrayList<>(loanTransactionRepository.findTransactionIdsByLoan(loan));
+        final List<Long> existingReversedTransactionIds = new ArrayList<>(loanTransactionRepository.findReversedTransactionIdsByLoan(loan));
+        final Map<String, Object> changes = new LinkedHashMap<>();
+
+        // Create payment details
+        final PaymentDetail paymentDetail = this.paymentDetailWritePlatformService.createAndPersistPaymentDetail(command, changes);
+
+        // Extract transaction details
+        final LocalDate transactionDate = command.localDateValueOfParameterNamed("transactionDate");
+        final BigDecimal transactionAmount = command.bigDecimalValueOfParameterNamed("transactionAmount");
+        final ExternalId txnExternalId = externalIdFactory.createFromCommand(command, "externalId");
+
+        // Find and validate original buy down fee transaction
+        Optional<LoanTransaction> originalBuyDownFee = loanTransactionRepository.findById(buyDownFeeTransactionId);
+        if (originalBuyDownFee.isEmpty() || !originalBuyDownFee.get().isBuyDownFee()) {
+            throw new IllegalArgumentException("Original transaction must be a valid Buy Down Fee transaction");
+        }
+
+        // Create buy down fee adjustment transaction
+        LoanTransaction buyDownFeeAdjustment = LoanTransaction.buyDownFeeAdjustment(loan, Money.of(loan.getCurrency(), transactionAmount),
+                paymentDetail, transactionDate, txnExternalId);
+
+        // Link to original transaction
+        buyDownFeeAdjustment.getLoanTransactionRelations().add(LoanTransactionRelation.linkToTransaction(buyDownFeeAdjustment,
+                originalBuyDownFee.get(), LoanTransactionRelationTypeEnum.ADJUSTMENT));
+
+        // Add transaction to loan
+        loan.addLoanTransaction(buyDownFeeAdjustment);
+
+        // Recalculate loan transactions
+        recalculateLoanTransactions(loan, transactionDate, buyDownFeeAdjustment);
+
+        // Save transaction
+        LoanTransaction savedBuyDownFeeAdjustment = loanTransactionRepository.saveAndFlush(buyDownFeeAdjustment);
+
+        // Update buy down fee balance
+        LoanBuyDownFeeBalance buydownFeeBalance = loanBuyDownFeesBalanceRepository.findByLoanIdAndLoanTransactionId(loanId,
+                buyDownFeeTransactionId);
+        if (buydownFeeBalance != null) {
+            buydownFeeBalance.setAmountAdjustment(MathUtil.nullToZero(buydownFeeBalance.getAmountAdjustment()).add(transactionAmount));
+            buydownFeeBalance
+                    .setUnrecognizedAmount(MathUtil.negativeToZero(buydownFeeBalance.getUnrecognizedAmount().subtract(transactionAmount)));
+            loanBuyDownFeesBalanceRepository.save(buydownFeeBalance);
+        }
+
+        // Update outstanding loan balances
+        loanBalanceService.updateLoanOutstandingBalances(loan);
+
+        // Create a note if provided
+        final String noteText = command.stringValueOfParameterNamed("note");
+        if (StringUtils.isNotBlank(noteText)) {
+            noteWritePlatformService.createLoanTransactionNote(savedBuyDownFeeAdjustment.getId(), noteText);
+        }
+        // Post journal entries
+        loanJournalEntryPoster.postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
+
+        // Determine loan lifecycle transition
+        loanLifecycleStateMachine.determineAndTransition(loan, transactionDate);
+
+        // Notify business events
+        businessEventNotifierService
+                .notifyPostBusinessEvent(new LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent(savedBuyDownFeeAdjustment));
+        businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
+
+        return new CommandProcessingResultBuilder().withEntityId(savedBuyDownFeeAdjustment.getId())
+                .withEntityExternalId(savedBuyDownFeeAdjustment.getExternalId()).withOfficeId(loan.getOfficeId())
+                .withClientId(loan.getClientId()).withLoanId(loan.getId()).build();
+    }
+
+    private void recalculateLoanTransactions(Loan loan, LocalDate transactionDate, LoanTransaction transaction) {
+        if (loan.isInterestBearingAndInterestRecalculationEnabled() || DateUtils.isBeforeBusinessDate(transactionDate)) {
+            reprocessLoanTransactionsService.reprocessTransactions(loan);
+        } else {
+            reprocessLoanTransactionsService.processLatestTransaction(transaction, loan);
+        }
+    }
+
    private void checkClientOrGroupActive(final Loan loan) {
        final Client client = loan.client();
        if (client != null && client.isNotActive()) {
@@ -30,4 +30,6 @@ public interface ProgressiveLoanTransactionValidator extends LoanTransactionVali
    void validateContractTerminationUndo(JsonCommand command, Long loanId);

    void validateBuyDownFee(JsonCommand command, Long loanId);
+
+    void validateBuyDownFeeAdjustment(JsonCommand command, Long loanId, Long buyDownFeeTransactionId);
 }
@@ -48,6 +48,7 @@ import org.apache.fineract.organisation.workingdays.domain.WorkingDays;
 import org.apache.fineract.portfolio.common.service.Validator;
 import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanBuyDownFeeBalance;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeBalance;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanDisbursementDetails;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanEvent;
@@ -57,6 +58,7 @@ import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionType;
 import org.apache.fineract.portfolio.loanaccount.exception.LoanTransactionProcessingException;
+import org.apache.fineract.portfolio.loanaccount.repository.LoanBuyDownFeesBalanceRepository;
 import org.apache.fineract.portfolio.loanaccount.repository.LoanCapitalizedIncomeBalanceRepository;
 import org.apache.fineract.portfolio.loanaccount.serialization.LoanTransactionValidator;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
@@ -69,6 +71,7 @@ public class ProgressiveLoanTransactionValidatorImpl implements ProgressiveLoanT
    private final LoanTransactionValidator loanTransactionValidator;
    private final LoanRepositoryWrapper loanRepositoryWrapper;
    private final LoanCapitalizedIncomeBalanceRepository loanCapitalizedIncomeBalanceRepository;
+    private final LoanBuyDownFeesBalanceRepository loanBuydownFeeBalanceRepository;
    private final LoanTransactionRepository loanTransactionRepository;

    @Override
@@ -320,6 +323,94 @@ public class ProgressiveLoanTransactionValidatorImpl implements ProgressiveLoanT
        }
    }

+    @Override
+    public void validateBuyDownFeeAdjustment(JsonCommand command, Long loanId, Long buyDownFeeTransactionId) {
+        final String json = command.json();
+        if (StringUtils.isBlank(json)) {
+            throw new InvalidJsonException();
+        }
+
+        final JsonElement element = this.fromApiJsonHelper.parse(json);
+        final Type typeOfMap = new TypeToken<Map<String, Object>>() {}.getType();
+        this.fromApiJsonHelper.checkForUnsupportedParameters(typeOfMap, json, getBuyDownFeeAdjustmentParameters());
+
+        Validator.validateOrThrow("loan.buyDownFeeAdjustment", baseDataValidator -> {
+            final Loan loan = this.loanRepositoryWrapper.findOneWithNotFoundDetection(loanId, true);
+            validateLoanClientIsActive(loan);
+            validateLoanGroupIsActive(loan);
+
+            // Validate loan is progressive
+            if (!loan.isProgressiveSchedule()) {
+                baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("not.progressive.loan");
+            }
+
+            // Validate buy down fee is enabled
+            if (!loan.getLoanProductRelatedDetail().isEnableBuyDownFee()) {
+                baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("buy.down.fee.not.enabled");
+            }
+
+            // Validate loan is active, or closed or overpaid
+            final LoanStatus loanStatus = loan.getStatus();
+            if (!loanStatus.isActive() && !loanStatus.isClosed() && !loanStatus.isOverpaid()) {
+                baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("not.valid.loan.status");
+            }
+
+            final LocalDate transactionDate = this.fromApiJsonHelper.extractLocalDateNamed("transactionDate", element);
+            baseDataValidator.reset().parameter("transactionDate").value(transactionDate).notNull();
+
+            // Validate transaction date is not before disbursement date
+            if (transactionDate != null && loan.getDisbursementDate() != null && transactionDate.isBefore(loan.getDisbursementDate())) {
+                baseDataValidator.reset().parameter("transactionDate").failWithCode("before.disbursement.date",
+                        "Transaction date cannot be before disbursement date");
+            }
+
+            // Validate transaction date is not in the future
+            if (transactionDate != null && transactionDate.isAfter(DateUtils.getBusinessLocalDate())) {
+                baseDataValidator.reset().parameter("transactionDate").failWithCode("cannot.be.in.the.future",
+                        "Transaction date cannot be in the future");
+            }
+
+            final BigDecimal transactionAmount = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed("transactionAmount", element);
+            baseDataValidator.reset().parameter("transactionAmount").value(transactionAmount).notNull().positiveAmount();
+
+            Optional<LoanTransaction> buyDownFeeTransactionOpt = loanTransactionRepository.findById(buyDownFeeTransactionId);
+            if (buyDownFeeTransactionOpt.isEmpty()) {
+                baseDataValidator.reset().parameter("buyDownFeeTransactionId").failWithCode("loan.transaction.not.found",
+                        "Buy Down Fee transaction not found.");
+            } else {
+                // Validate that the transaction is actually a buy down fee transaction
+                if (!buyDownFeeTransactionOpt.get().isBuyDownFee()) {
+                    baseDataValidator.reset().parameter("buyDownFeeTransactionId").failWithCode("not.buyDownFee.transaction",
+                            "The specified transaction is not a Buy Down Fee transaction.");
+                }
+                // Validate not before buy down fee transaction
+                if (transactionDate != null && transactionDate.isBefore(buyDownFeeTransactionOpt.get().getTransactionDate())) {
+                    baseDataValidator.reset().parameter("transactionDate").failWithCode("before.buyDownFee.transaction.date",
+                            "Transaction date cannot be before buy down fee transaction date");
+
+                }
+                if (transactionAmount != null) {
+                    LoanBuyDownFeeBalance buydownFeeBalance = loanBuydownFeeBalanceRepository.findByLoanIdAndLoanTransactionId(loanId,
+                            buyDownFeeTransactionId);
+                    if (buydownFeeBalance == null) {
+                        baseDataValidator.reset().parameter("buyDownFeeTransactionId").failWithCode("buydown.fee.balance.not.found",
+                                "Buy down fee balance not found for the specified transaction.");
+                    } else if (MathUtil.isLessThan(
+                            buydownFeeBalance.getAmount().subtract(MathUtil.nullToZero(buydownFeeBalance.getAmountAdjustment())),
+                            transactionAmount)) {
+                        baseDataValidator.reset().parameter("transactionAmount").value(transactionAmount).failWithCode(
+                                "cannot.be.more.than.remaining.amount",
+                                " Buy down fee adjustment amount cannot be more than remaining amount");
+                    }
+                }
+            }
+
+            validatePaymentDetails(baseDataValidator, element);
+            validateNote(baseDataValidator, element);
+            validateExternalId(baseDataValidator, element);
+        });
+    }
+
    private void throwExceptionIfValidationWarningsExist(final List<ApiParameterError> dataValidationErrors) {
        if (!dataValidationErrors.isEmpty()) {
            throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.",
@@ -495,6 +586,11 @@ public class ProgressiveLoanTransactionValidatorImpl implements ProgressiveLoanT
        return new HashSet<>(Arrays.asList("note", "reversalExternalId"));
    }

+    private Set<String> getBuyDownFeeAdjustmentParameters() {
+        return new HashSet<>(
+                Arrays.asList("transactionDate", "dateFormat", "locale", "transactionAmount", "paymentTypeId", "note", "externalId"));
+    }
+
    private BigDecimal getOverAppliedMax(final Loan loan) {
        final LoanProduct loanProduct = loan.getLoanProduct();
        if ("percentage".equals(loanProduct.getOverAppliedCalculationType())) {
@@ -24,6 +24,7 @@ import org.apache.fineract.infrastructure.event.business.service.BusinessEventNo
 import org.apache.fineract.portfolio.loanaccount.domain.LoanLifecycleStateMachine;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
+import org.apache.fineract.portfolio.loanaccount.repository.LoanBuyDownFeesBalanceRepository;
 import org.apache.fineract.portfolio.loanaccount.repository.LoanCapitalizedIncomeBalanceRepository;
 import org.apache.fineract.portfolio.loanaccount.serialization.LoanTransactionValidator;
 import org.apache.fineract.portfolio.loanaccount.service.CapitalizedIncomeBalanceService;
@@ -65,9 +66,9 @@ public class ProgressiveLoanAccountConfiguration {
    public ProgressiveLoanTransactionValidator progressiveLoanTransactionValidator(FromJsonHelper fromApiJsonHelper,
            LoanTransactionValidator loanTransactionValidator, LoanRepositoryWrapper loanRepositoryWrapper,
            LoanCapitalizedIncomeBalanceRepository loanCapitalizedIncomeBalanceRepository,
-            LoanTransactionRepository loanTransactionRepository) {
+            LoanBuyDownFeesBalanceRepository loanBuydownFeesBalanceRepository, LoanTransactionRepository loanTransactionRepository) {
        return new ProgressiveLoanTransactionValidatorImpl(fromApiJsonHelper, loanTransactionValidator, loanRepositoryWrapper,
-                loanCapitalizedIncomeBalanceRepository, loanTransactionRepository);
+                loanCapitalizedIncomeBalanceRepository, loanBuydownFeesBalanceRepository, loanTransactionRepository);
    }

    @Bean