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FINERACT-2326: Loan point in time API now properly handles future dates

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This commit is contained in:
Arnold Galovics
2025-10-08 10:29:59 +02:00
committed by Arnold Gálovics
parent ccfe062649
commit c9c9e9f835
3 changed files with 124 additions and 7 deletions
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fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanPointInTimeServiceImpl.java
+13
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@@ -65,11 +65,24 @@ public class LoanPointInTimeServiceImpl implements LoanPointInTimeService {
ThreadLocalContextUtil.setBusinessDates(new HashMap<>(Map.of(BusinessDateType.BUSINESS_DATE, date)));
Loan loan = loanAssembler.assembleFrom(loanId);
int txCount = loan.getLoanTransactions().size();
int chargeCount = loan.getCharges().size();
removeAfterDateTransactions(loan, date);
removeAfterDateCharges(loan, date);
int afterRemovalTxCount = loan.getLoanTransactions().size();
int afterRemovalChargeCount = loan.getCharges().size();
// In case the loan is cumulative and is being prepaid by the latest repayment tx, we need the
// recalculateFrom and recalculateTill
// set to the same date which is the prepaying transaction's date
// currently this is not implemented and opens up buggy edge cases
// we work this around only for cases when the loan is already closed or the requested date doesn't change
// the loan's state
if (txCount != afterRemovalTxCount || chargeCount != afterRemovalChargeCount) {
ScheduleGeneratorDTO scheduleGeneratorDTO = loanUtilService.buildScheduleGeneratorDTO(loan, null, null);
loanScheduleService.recalculateSchedule(loan, scheduleGeneratorDTO);
}
LoanArrearsData arrearsData = arrearsAgingService.calculateArrearsForLoan(loan);
integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java
+1 -1
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@@ -992,7 +992,7 @@ public abstract class BaseLoanIntegrationTest extends IntegrationTest {
}
}
protected void verifyArreals(LoanPointInTimeData pointInTimeData, boolean isOverDue, String overdueSince) {
protected void verifyArrears(LoanPointInTimeData pointInTimeData, boolean isOverDue, String overdueSince) {
assertThat(Objects.requireNonNull(pointInTimeData.getArrears()).getOverdue()).isEqualTo(isOverDue);
if (isOverDue) {
assertThat(Objects.requireNonNull(pointInTimeData.getArrears().getOverDueSince()).toString()).isEqualTo(overdueSince);
integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/pointintime/LoanPointInTimeTest.java
+108 -4
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@@ -658,7 +658,7 @@ public class LoanPointInTimeTest extends BaseLoanIntegrationTest {
}
@Test
public void test_LoanPointInTimeDataWorks_ForArrealDataCalculation() {
public void test_LoanPointInTimeDataWorks_ForArrearsDataCalculation() {
AtomicReference<Long> aLoanId = new AtomicReference<>();
runAt("01 January 2023", () -> {
@@ -683,7 +683,6 @@ public class LoanPointInTimeTest extends BaseLoanIntegrationTest {
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
.interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
.isInterestRecalculationEnabled(true)//
.recalculationRestFrequencyInterval(1)//
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
@@ -737,14 +736,14 @@ public class LoanPointInTimeTest extends BaseLoanIntegrationTest {
LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "10 February 2023");
verifyOutstanding(pointInTimeData, outstanding(5000.0, 0.0, 0.0, 0.0, 5000.0));
verifyArreals(pointInTimeData, true, "2023-02-01");
verifyArrears(pointInTimeData, true, "2023-02-01");
// repay 500
addRepaymentForLoan(loanId, 2500.0, "01 February 2023");
LoanPointInTimeData pointInTimeDataAfterRepay = getPointInTimeData(loanId, "10 February 2023");
verifyOutstanding(pointInTimeDataAfterRepay, outstanding(2500.0, 0.0, 0.0, 0.0, 2500.0));
verifyArreals(pointInTimeDataAfterRepay, false, null);
verifyArrears(pointInTimeDataAfterRepay, false, null);
// verify transactions
verifyTransactions(loanId, //
@@ -754,4 +753,109 @@ public class LoanPointInTimeTest extends BaseLoanIntegrationTest {
);
});
}
@Test
public void test_LoanPointInTimeDataWorks_ForArrearsDataCalculation_ForFutureDate_WithInterest() {
AtomicReference<Long> aLoanId = new AtomicReference<>();
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
int numberOfRepayments = 3;
int repaymentEvery = 1;
// Create charges
double charge1Amount = 1.0;
double charge2Amount = 1.5;
Long charge1Id = createDisbursementPercentageCharge(charge1Amount);
Long charge2Id = createDisbursementPercentageCharge(charge2Amount);
// Create Loan Product
double interestRatePerPeriod = 10.0;
PostLoanProductsRequest product = createOnePeriod30DaysPeriodicAccrualProduct(interestRatePerPeriod) //
.numberOfRepayments(numberOfRepayments) //
.repaymentEvery(repaymentEvery) //
.installmentAmountInMultiplesOf(null) //
.repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()) //
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
.interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
.isInterestRecalculationEnabled(true)//
.recalculationRestFrequencyInterval(1)//
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.REDUCE_EMI_AMOUNT)//
.allowPartialPeriodInterestCalcualtion(false)//
.disallowExpectedDisbursements(false)//
.allowApprovedDisbursedAmountsOverApplied(false)//
.overAppliedNumber(null)//
.overAppliedCalculationType(null)//
.multiDisburseLoan(null)//
.charges(List.of(new LoanProductChargeData().id(charge1Id), new LoanProductChargeData().id(charge2Id)));//
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
Long loanProductId = loanProductResponse.getResourceId();
// Apply and Approve Loan
double amount = 5000.0;
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
.repaymentEvery(repaymentEvery)//
.interestRatePerPeriod(BigDecimal.valueOf(interestRatePerPeriod)).loanTermFrequency(numberOfRepayments)//
.repaymentFrequencyType(RepaymentFrequencyType.MONTHS)//
.loanTermFrequencyType(RepaymentFrequencyType.MONTHS)//
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
.charges(List.of(//
new PostLoansRequestChargeData().chargeId(charge1Id).amount(BigDecimal.valueOf(charge1Amount)), //
new PostLoansRequestChargeData().chargeId(charge2Id).amount(BigDecimal.valueOf(charge2Amount))//
));//
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(amount, "01 January 2023"));
aLoanId.getAndSet(approvedLoanResult.getLoanId());
Long loanId = aLoanId.get();
// disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023") //
);
});
runAt("05 March 2023", () -> {
Long loanId = aLoanId.get();
// repay
addRepaymentForLoan(loanId, 5897.89, "05 March 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023"), //
transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
transaction(5897.89, "Repayment", "05 March 2023"), //
transaction(897.89, "Accrual", "05 March 2023") //
);
});
runAt("05 June 2023", () -> {
Long loanId = aLoanId.get();
LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "05 June 2023");
verifyOutstanding(pointInTimeData, outstanding(0.0, 0.0, 0.0, 0.0, 0.0));
verifyArrears(pointInTimeData, false, null);
assertThat(pointInTimeData.getArrears().getPrincipalOverdue()).isZero();
assertThat(pointInTimeData.getArrears().getFeeOverdue()).isZero();
assertThat(pointInTimeData.getArrears().getInterestOverdue()).isZero();
assertThat(pointInTimeData.getArrears().getPenaltyOverdue()).isZero();
assertThat(pointInTimeData.getArrears().getTotalOverdue()).isZero();
});
}
}