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FINERACT-1968: added e2e test cases for progressive Loan schedule handling - interest handling (FLAT interest, Daily, Equal installments)

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Rustam Zeinalov
2025-08-01 15:31:49 +02:00
committed by Adam Saghy
parent bbe3ead849
commit cb4c66302a
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fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature
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@@ -9632,3 +9632,127 @@ Feature: EMI calculation and repayment schedule checks for interest bearing loan
| ASSET | 112601 | Loans Receivable | | 906.25 |
| ASSET | 112603 | Interest/Fee Receivable | | 16.87 |
| LIABILITY | 145023 | Suspense/Clearing account | 923.12 | |
@TestRailId:С3893
Scenario: Progressive loan - flat interest DAILY, multi-disbursement, actual/actual, second disbursement in the middle of installment period
When Admin sets the business date to "01 June 2024"
And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.45 | 333.55 | 9.84 | 0.0 | 0.0 | 343.39 | 0.0 | 0.0 | 0.0 | 343.39 |
| 2 | 31 | 01 August 2024 | | 333.22 | 333.23 | 10.16 | 0.0 | 0.0 | 343.39 | 0.0 | 0.0 | 0.0 | 343.39 |
| 3 | 31 | 01 September 2024 | | 0.0 | 333.22 | 10.16 | 0.0 | 0.0 | 343.38 | 0.0 | 0.0 | 0.0 | 343.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 30.16 | 0.0 | 0.0 | 1030.16 | 0.0 | 0.0 | 0.0 | 1030.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "15 July 2024"
When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount
Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 July 2024 | | 666.45 | 333.55 | 9.84 | 0.0 | 0.0 | 343.39 | 0.0 | 0.0 | 0.0 | 343.39 |
| | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 31 | 01 August 2024 | | 457.65 | 458.8 | 11.56 | 0.0 | 0.0 | 470.36 | 0.0 | 0.0 | 0.0 | 470.36 |
| 3 | 31 | 01 September 2024 | | 0.0 | 457.65 | 12.7 | 0.0 | 0.0 | 470.35 | 0.0 | 0.0 | 0.0 | 470.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 34.1 | 0.0 | 0.0 | 1284.1 | 0.0 | 0.0 | 0.0 | 1284.1 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
@TestRailId:С3894
Scenario: Progressive loan - flat interest DAILY, down-payment, multi-disbursement, actual/actual, second disbursement on the due date of installment period
When Admin sets the business date to "01 June 2024"
And 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_DOWNPAYMENT_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024"
And Admin successfully disburse the loan on "01 June 2024" with "1000" 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 01 July 2024 | | 499.84 | 250.16 | 7.38 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 |
| 3 | 31 | 01 August 2024 | | 249.92 | 249.92 | 7.62 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 |
| 4 | 31 | 01 September 2024 | | 0.0 | 249.92 | 7.62 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 22.62 | 0.0 | 0.0 | 1022.62 | 0.0 | 0.0 | 0.0 | 1022.62 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "01 August 2024"
When Admin successfully disburse the loan on "01 August 2024" with "250" 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 01 July 2024 | | 499.84 | 250.16 | 7.38 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 |
| 3 | 31 | 01 August 2024 | | 249.92 | 249.92 | 7.62 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 |
| | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 4 | 0 | 01 August 2024 | | 437.42 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 5 | 31 | 01 September 2024 | | 0.0 | 437.42 | 9.53 | 0.0 | 0.0 | 446.95 | 0.0 | 0.0 | 0.0 | 446.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250 | 24.53 | 0.0 | 0.0 | 1274.53 | 0.0 | 0.0 | 0.0 | 1274.53 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 |
@TestRailId:C3897
Scenario: Progressive loan - flat interest DAILY, actual/actual, 4% interest rate
When Admin sets the business date to "01 January 2024"
And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 100 | 4 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 3 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| | 66.67 | 33.33 | 0.34 | 0.0 | 0.0 | 33.67 | 0.0 | 0.0 | 0.0 | 33.67 |
| 2 | 29 | 01 March 2024 | | 33.32 | 33.35 | 0.32 | 0.0 | 0.0 | 33.67 | 0.0 | 0.0 | 0.0 | 33.67 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.32 | 0.34 | 0.0 | 0.0 | 33.66 | 0.0 | 0.0 | 0.0 | 33.66 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 1.0 | 0.0 | 0.0 | 101.0 | 0.0 | 0.0 | 0.0 | 101.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
@TestRailId:C3898
Scenario: Progressive loan with downpayment - flat interest DAILY, actual/actual, 4% interest rate
When Admin sets the business date to "01 January 2024"
And 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_DOWNPAYMENT_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 1000 | 4 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "1000" 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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 31 | 01 February 2024| | 500.05 | 249.95 | 2.54 | 0.0 | 0.0 | 252.49 | 0.0 | 0.0 | 0.0 | 252.49 |
| 3 | 29 | 01 March 2024 | | 249.94 | 250.11 | 2.38 | 0.0 | 0.0 | 252.49 | 0.0 | 0.0 | 0.0 | 252.49 |
| 4 | 31 | 01 April 2024 | | 0.0 | 249.94 | 2.54 | 0.0 | 0.0 | 252.48 | 0.0 | 0.0 | 0.0 | 252.48 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 7.46 | 0.0 | 0.0 | 1007.46| 0.0 | 0.0 | 0.0 | 1007.46 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |