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FINERACT-2389: added e2e test validating incorrect repayment schedule amount calculations for 2nd disb, CI and other actions after re-amortization

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Rustam Zeinalov
2026-01-20 12:28:43 +01:00
committed by Adam Saghy
parent 5e6c88ee3a
commit bffa04c3e6
1 changed files with 174 additions and 2 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanReAmortization.feature
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@@ -5251,7 +5251,7 @@ Feature: LoanReAmortization
When Loan Pay-off is made on "01 May 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C__6.2 @AdvancedPaymentAllocation
@TestRailId:C4513 @AdvancedPaymentAllocation
Scenario: Verify Loan re-aging trn with accelerate maturity charge-off after re-amortization - interest bearing loan with equal amortization + interest split - UC6.2
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
@@ -5509,7 +5509,6 @@ Feature: LoanReAmortization
When Loan Pay-off is made on "01 April 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4412 @AdvancedPaymentAllocation
Scenario: Verify disbursement after re-amortization - Interest calculation: Default Behavior - UC1
When Admin sets the business date to "01 January 2024"
@@ -6380,3 +6379,176 @@ Feature: LoanReAmortization
# --- close the loan --- #
When Loan Pay-off is made on "01 May 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4534 @AdvancedPaymentAllocation
Scenario: Verify 2nd disbursement after re-amortization on non-interest bearing multidisb loan
When Admin sets the business date to "01 January 2024"
When 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_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 200 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 2 | 29 | 01 March 2024 | | 66.66 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 3 | 31 | 01 April 2024 | | 49.99 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 4 | 30 | 01 May 2024 | | 33.32 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 5 | 31 | 01 June 2024 | | 16.65 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- First installment paid --- #
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 16.67 EUR transaction amount
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.66 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 3 | 31 | 01 April 2024 | | 49.99 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 4 | 30 | 01 May 2024 | | 33.32 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 5 | 31 | 01 June 2024 | | 16.65 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 16.67 | 0.0 | 0.0 | 83.33 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 | 83.33 | false | false |
# --- re-amortization transaction --- #
When Admin sets the business date to "15 March 2024"
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.33 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 62.49 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 |
| 4 | 30 | 01 May 2024 | | 41.65 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 |
| 5 | 31 | 01 June 2024 | | 20.81 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 |
| 6 | 30 | 01 July 2024 | | 0.0 | 20.81 | 0.0 | 0.0 | 0.0 | 20.81 | 0.0 | 0.0 | 0.0 | 20.81 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 16.67 | 0.0 | 0.0 | 83.33 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 | 83.33 | false | false |
| 15 March 2024 | Re-amortize | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- 2nd disbursement
When Admin sets the business date to "15 April 2024"
When Admin successfully disburse the loan on "15 April 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.33 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 62.49 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 | 0.0 | 0.0 | 0.0 | 20.84 |
| | | 15 April 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 4 | 30 | 01 May 2024 | | 108.32 | 54.17 | 0.0 | 0.0 | 0.0 | 54.17 | 0.0 | 0.0 | 0.0 | 54.17 |
| 5 | 31 | 01 June 2024 | | 54.15 | 54.17 | 0.0 | 0.0 | 0.0 | 54.17 | 0.0 | 0.0 | 0.0 | 54.17 |
| 6 | 30 | 01 July 2024 | | 0.0 | 54.15 | 0.0 | 0.0 | 0.0 | 54.15 | 0.0 | 0.0 | 0.0 | 54.15 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 16.67 | 0.0 | 0.0 | 183.33 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 | 83.33 | false | false |
| 15 March 2024 | Re-amortize | 16.67 | 16.67 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.33 | false | false |
# --- close the loan --- #
When Admin sets the business date to "01 May 2024"
When Loan Pay-off is made on "01 May 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4535 @AdvancedPaymentAllocation
Scenario: Verify 2nd disbursement after maturity date with active re-amortization - validates isTransactionAfterMaturityDate check
When Admin sets the business date to "01 January 2024"
When 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_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 4 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 2 | 29 | 01 March 2024 | | 50.28 | 24.93 | 0.44 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 3 | 31 | 01 April 2024 | | 25.2 | 25.08 | 0.29 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.2 | 0.15 | 0.0 | 0.0 | 25.35 | 0.0 | 0.0 | 0.0 | 25.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 0.0 | 0.0 | 0.0 | 101.46 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- First installment paid --- #
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.37 EUR transaction amount
Then Loan Repayment schedule has 4 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 25.37 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 50.28 | 24.93 | 0.44 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 3 | 31 | 01 April 2024 | | 25.2 | 25.08 | 0.29 | 0.0 | 0.0 | 25.37 | 0.0 | 0.0 | 0.0 | 25.37 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.2 | 0.15 | 0.0 | 0.0 | 25.35 | 0.0 | 0.0 | 0.0 | 25.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 25.37 | 0.0 | 0.0 | 76.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 25.37 | 24.79 | 0.58 | 0.0 | 0.0 | 75.21 | false | false |
# --- re-amortization transaction (before maturity on May 1) - zeros period 2, spreads to periods 3 & 4 --- #
When Admin sets the business date to "15 March 2024"
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
Then Loan Repayment schedule has 4 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 25.37 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 75.21 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 37.72 | 37.49 | 0.66 | 0.0 | 0.0 | 38.15 | 0.0 | 0.0 | 0.0 | 38.15 |
| 4 | 30 | 01 May 2024 | | 0.0 | 37.72 | 0.44 | 0.0 | 0.0 | 38.16 | 0.0 | 0.0 | 0.0 | 38.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.68 | 0.0 | 0.0 | 101.68 | 25.37 | 0.0 | 0.0 | 76.31 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 25.37 | 24.79 | 0.58 | 0.0 | 0.0 | 75.21 | false | false |
| 15 March 2024 | Re-amortize | 25.37 | 24.93 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
# --- 2nd disbursement AFTER maturity (01 May 2024)
When Admin sets the business date to "15 May 2024"
When Admin successfully disburse the loan on "15 May 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 5 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 75.21 | 24.79 | 0.58 | 0.0 | 0.0 | 25.37 | 25.37 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 75.21 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 37.72 | 37.49 | 0.66 | 0.0 | 0.0 | 38.15 | 0.0 | 0.0 | 0.0 | 38.15 |
| 4 | 30 | 01 May 2024 | | 0.0 | 37.72 | 0.66 | 0.0 | 0.0 | 38.38 | 0.0 | 0.0 | 0.0 | 38.38 |
| | | 15 May 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 5 | 0 | 15 May 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 1.9 | 0.0 | 0.0 | 201.9 | 25.37 | 0.0 | 0.0 | 176.53 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 25.37 | 24.79 | 0.58 | 0.0 | 0.0 | 75.21 | false | false |
| 15 March 2024 | Re-amortize | 25.37 | 24.93 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
| 15 May 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 175.21 | false | false |
# --- close the loan --- #
When Admin sets the business date to "01 June 2024"
When Loan Pay-off is made on "01 June 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met