FINERACT-2308: Allow approval and disbursal above loan applied amount with non multibursal loan product

2025-06-18 15:15:28 +02:00
parent 38a5686df8
commit bb29932658
5 changed files with 82 additions and 20 deletions
@@ -5946,6 +5946,61 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
        });
    }

+    // UC155: Validate allowApprovedDisbursedAmountsOverApplied setting on Non MultiDisbursement Loan Product
+    // 1. Create a Loan product with allowApprovedDisbursedAmountsOverApplied in true using overAppliedCalculationType
+    // flat amount
+    // 2. Submit Loan with 1,000
+    // 3. Approve the Loan with 1,300
+    // 4. Disburse the Loan with 1,450
+    @Test
+    public void uc155() {
+        final String operationDate = "1 January 2024";
+        AtomicLong createdLoanId = new AtomicLong();
+        runAt(operationDate, () -> {
+            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+            PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
+                    .interestRatePerPeriod(12.0).interestCalculationPeriodType(RepaymentFrequencyType.DAYS).numberOfRepayments(4)//
+                    .repaymentEvery(1)//
+                    .repaymentFrequencyType(1L)//
+                    .allowPartialPeriodInterestCalcualtion(false)//
+                    .installmentAmountInMultiplesOf(null)//
+                    .multiDisburseLoan(false)//
+                    .disallowExpectedDisbursements(null)//
+                    .allowApprovedDisbursedAmountsOverApplied(true)//
+                    .overAppliedCalculationType("flat")//
+                    .overAppliedNumber(500)//
+            ;//
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
+            PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), operationDate, 1000.0, 4)
+                    .transactionProcessingStrategyCode("advanced-payment-allocation-strategy")//
+                    .interestRatePerPeriod(BigDecimal.valueOf(12.0));
+
+            PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest);
+            createdLoanId.set(loanResponse.getLoanId());
+
+            loanTransactionHelper.approveLoan(loanResponse.getLoanId(), new PostLoansLoanIdRequest()
+                    .approvedLoanAmount(BigDecimal.valueOf(1300)).dateFormat(DATETIME_PATTERN).approvedOnDate(operationDate).locale("en"));
+            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
+            assertTrue(loanDetails.getStatus().getWaitingForDisbursal());
+            assertEquals("1300.000000", loanDetails.getApprovedPrincipal().toString());
+
+            CallFailedRuntimeException callFailedRuntimeException = Assertions.assertThrows(CallFailedRuntimeException.class,
+                    () -> loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
+                            new PostLoansLoanIdRequest().actualDisbursementDate(operationDate).dateFormat(DATETIME_PATTERN).locale("en")
+                                    .transactionAmount(BigDecimal.valueOf(1550.0))));
+
+            Assertions.assertTrue(callFailedRuntimeException.getMessage()
+                    .contains("Loan disbursal amount can't be greater than maximum applied loan amount calculation"));
+
+            loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), new PostLoansLoanIdRequest().actualDisbursementDate(operationDate)
+                    .dateFormat(DATETIME_PATTERN).locale("en").transactionAmount(BigDecimal.valueOf(1450.0)));
+
+            loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
+            assertTrue(loanDetails.getStatus().getActive());
+            assertEquals("1450.000000", loanDetails.getSummary().getPrincipalOutstanding().toString());
+        });
+    }
+
    private Long applyAndApproveLoanProgressiveAdvancedPaymentAllocationStrategyMonthlyRepayments(Long clientId, Long loanProductId,
            Integer numberOfRepayments, String loanDisbursementDate, double amount) {
        LOG.info("------------------------------APPLY AND APPROVE LOAN ---------------------------------------");