CBSNexora/cbsnexora-backend
4
0
Fork 0
Code Issues Pull Requests Actions 37 Packages Projects Releases Wiki Activity

FINERACT-2413: Re-amortization:- Accrual and Accrual Activity handling - Equal outstanding interest split e2e tests

Browse Source
This commit is contained in:
Soma Sörös
2026-02-23 10:10:38 +00:00
committed by Adam Saghy
parent 701cfae60b
commit c7b4fc5404
2 changed files with 309 additions and 3 deletions
Download Patch File Download Diff File Expand all files Collapse all files
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
+21 -3
View File
@@ -2290,6 +2290,17 @@ public class LoanStepDef extends AbstractStepDef {
.isEqualTo(expectedAccruals.size()); .isEqualTo(expectedAccruals.size());
} }
@Then("Loan has {double} total Accruals")
public void loanTransactionsTabCheckTotalAccruals(Double totalAccruedExpected) {
PostLoansResponse loanCreateResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
long loanId = loanCreateResponse.getLoanId();
List<GetLoansLoanIdTransactions> transactions = getAccrualTransactions(loanId);
BigDecimal totalAccruedActual = transactions.stream().map(t -> isLoanTransactionAccrual(t) ? t.getAmount() : t.getAmount().negate())
.reduce(BigDecimal.ZERO, BigDecimal::add);
assertEquals(totalAccruedExpected, totalAccruedActual.doubleValue());
}
@Then("Loan Transactions tab has no new accrual data") @Then("Loan Transactions tab has no new accrual data")
public void loanTransactionsTabCheckNoNewAccruals() { public void loanTransactionsTabCheckNoNewAccruals() {
PostLoansResponse loanCreateResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE); PostLoansResponse loanCreateResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
@@ -2335,12 +2346,19 @@ public class LoanStepDef extends AbstractStepDef {
checkLoanTransactionTab(data, transactions, header, resourceId); checkLoanTransactionTab(data, transactions, header, resourceId);
} }
private boolean isLoanTransactionAccrual(GetLoansLoanIdTransactions lt) {
return "Accrual".equalsIgnoreCase(lt.getType().getValue());
}
private boolean isLoanTransactionAccrualAdjustment(GetLoansLoanIdTransactions lt) {
return "Accrual Adjustment".equalsIgnoreCase(lt.getType().getValue());
}
public List<GetLoansLoanIdTransactions> getAccrualTransactions(Long loanId) { public List<GetLoansLoanIdTransactions> getAccrualTransactions(Long loanId) {
GetLoansLoanIdResponse loanDetailsResponse = ok(() -> fineractClient.loans().retrieveLoan(loanId, GetLoansLoanIdResponse loanDetailsResponse = ok(() -> fineractClient.loans().retrieveLoan(loanId,
Map.of("staffInSelectedOfficeOnly", "false", "associations", "transactions"))); Map.of("staffInSelectedOfficeOnly", "false", "associations", "transactions")));
return loanDetailsResponse.getTransactions().stream().filter( return loanDetailsResponse.getTransactions().stream()
lt -> "Accrual".equalsIgnoreCase(lt.getType().getValue()) || "Accrual Adjustment".equalsIgnoreCase(lt.getType().getValue())) .filter(lt -> isLoanTransactionAccrual(lt) || isLoanTransactionAccrualAdjustment(lt)).toList();
.toList();
} }
public void checkLoanTransactionTabRows(List<List<String>> data, List<GetLoansLoanIdTransactions> transactions, List<String> header, public void checkLoanTransactionTabRows(List<List<String>> data, List<GetLoansLoanIdTransactions> transactions, List<String> header,
fineract-e2e-tests-runner/src/test/resources/features/LoanReAmortization.feature
+288
View File
@@ -6887,3 +6887,291 @@ Feature: LoanReAmortization
When Admin creates a Loan re-amortization transaction on current business date is forbidden as re-amortization already done for today When Admin creates a Loan re-amortization transaction on current business date is forbidden as re-amortization already done for today
When Loan Pay-off is made on "15 March 2024" When Loan Pay-off is made on "15 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4535 @AdvancedPaymentAllocation
Scenario: Verify re-amortization - accrual & accrual Activity S1
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_RECALCULATION_DAILY_ACCRUAL_ACTIVITY_POSTING | 01 January 2024 | 100 | 7 | 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 "100" 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data without accruals:
| 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 17.01 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 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data without accruals:
| 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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# --- re-amortization transaction
When Admin sets the business date to "15 March 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false |
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 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 62.86 | 20.71 | 0.61 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 5 | 31 | 01 June 2024 | | 21.08 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 6 | 30 | 01 July 2024 | | 0.0 | 21.08 | 0.24 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 17.01 | 0.0 | 0.0 | 85.28 |
Then Loan Transactions tab has the following data without accruals:
| 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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "16 March 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 15 March 2024 | Accrual Adjustment | 0.42 | 0.0 | 0.42 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 April 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 17 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 18 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 19 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 20 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 24 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 25 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 29 March 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 30 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 21.32 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 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 62.86 | 20.71 | 0.61 | 0.0 | 0.0 | 21.32 | 21.32 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 5 | 31 | 01 June 2024 | | 21.08 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
| 6 | 30 | 01 July 2024 | | 0.0 | 21.08 | 0.24 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 38.33 | 0.0 | 0.0 | 63.96 |
Then Loan Transactions tab has the following data without accruals:
| 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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Repayment | 21.32 | 20.71 | 0.61 | 0.0 | 0.0 | 62.86 | false | false |
# | 01 April 2024 | Accrual Activity | 0.61 | 0.0 | 0.61 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 May 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 17 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 22 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 24 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 25 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 May 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan has 1.92 total Accruals
Then Loan Transactions tab has the following data without accruals:
| 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 | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Repayment | 21.32 | 20.71 | 0.61 | 0.0 | 0.0 | 62.86 | false | false |
| 01 April 2024 | Accrual Activity | 0.61 | 0.0 | 0.61 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Repayment | 63.59 | 62.86 | 0.73 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual Activity | 0.73 | 0.0 | 0.73 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C4535 @AdvancedPaymentAllocation
Scenario: Verify re-amortization - accrual & accrual Activity S2
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_RECALCULATION_DAILY_ACCRUAL_ACTIVITY_POSTING | 01 January 2024 | 100 | 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 "100" 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 without accruals:
| 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 without accruals:
| 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
When Admin sets the business date to "01 April 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2024 | Accrual | 1.44 | 0.0 | 1.44 | 0.0 | 0.0 | 0.0 | false | false |
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 | 01 April 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 | 01 April 2024 | 75.21 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 0.0 | 75.21 | 1.32 | 0.0 | 0.0 | 76.53 | 0.0 | 0.0 | 0.0 | 76.53 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.9 | 0.0 | 0.0 | 101.9 | 25.37 | 0.0 | 0.0 | 76.53 |
Then Loan Transactions tab has the following data without accruals:
| 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 |
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Re-amortize | 50.74 | 49.86 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "02 April 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2024 | Accrual Adjustment | 0.42 | 0.0 | 0.42 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 May 2024"
When Admin runs inline COB job for Loan
## Why we have accrual adjustment on 02 april
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 02 April 2024 | Accrual Adjustment | 0.4 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 16 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 17 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 18 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 19 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 21 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 22 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 23 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 24 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 25 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 26 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "02 May 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following new accrual data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 May 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
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
Then Loan has 1.90 total Accruals