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FINERACT-2348: Calculate and store Capitalized income / Buydown fee amortization allocation schedule

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mariiaKraievska
2025-09-08 14:00:06 +02:00
committed by Adam Saghy
parent 9790f59e4a
commit cd0ecfcda0
34 changed files with 2094 additions and 91 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature
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@@ -3240,3 +3240,317 @@ Feature:Feature: Buy Down Fees
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 January 2024" with "25" EUR transaction amount
And Loan Transactions tab has a "Buy Down Fee Adjustment" transaction with date "01 January 2024" which has classification code value "buydown_fee_transaction_classification_value"
@TestRailId:C4009
Scenario: Verify Buy Down Fee amortization allocation mappings
When Admin sets the business date to "1 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 250 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "250" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
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 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
@TestRailId:C4019
Scenario: Verify Buy Down Fee amortization allocation mappings when buy down fee transaction is reversed
When Admin sets the business date to "1 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "350" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
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 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "2 January 2024" with "200" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 2.77 | 0.0 | 2.77 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
When Customer undo "1"th "Buy Down Fee" transaction made on "01 January 2024"
When Admin sets the business date to "4 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 2.77 | 0.0 | 2.77 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Buy Down Fee Amortization | 1.12 | 0.0 | 1.12 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 1.1 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
| 03 January 2024 | AM | 2.22 |
When Admin sets the business date to "5 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 2.77 | 0.0 | 2.77 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Buy Down Fee Amortization | 1.12 | 0.0 | 1.12 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Amortization | 2.23 | 0.0 | 2.23 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 1.1 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
| 03 January 2024 | AM | 2.22 |
| 04 January 2024 | AM | 2.23 |
@TestRailId:C4022
Scenario: Verify Buy Down Fee amortization allocation mappings when buy down fee adjustment occurs
When Admin sets the business date to "1 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "350" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
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 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
When Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "02 January 2024" with "40" EUR transaction amount
When Admin sets the business date to "4 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
When Admin sets the business date to "5 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
And Admin adds buy down fee adjustment of buy down fee transaction made on "02 January 2024" with "AUTOPAY" payment type to the loan on "04 January 2024" with "60" EUR transaction amount
When Admin sets the business date to "6 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Adjustment | 60.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Buy Down Fee Amortization Adjustment | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
| 05 January 2024 | AM | 0.11 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
| 05 January 2024 | AM_ADJ | 0.25 |
When Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "05 January 2024" with "10" EUR transaction amount
When Admin sets the business date to "7 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Adjustment | 60.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Buy Down Fee Amortization Adjustment | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Buy Down Fee Amortization Adjustment | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
| 05 January 2024 | AM | 0.11 |
| 06 January 2024 | AM_ADJ | 0.97 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
| 05 January 2024 | AM_ADJ | 0.25 |
| 06 January 2024 | AM | 0.43 |
fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature
+317
View File
@@ -7566,3 +7566,320 @@ Feature: Capitalized Income
| 100.0 | 0.0 | 100.0 | 0.0 | 0.0 |
And Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "02 January 2024" with "50" EUR transaction amount
And Loan Transactions tab has a "Capitalized Income Adjustment" transaction with date "02 January 2024" which has classification code value "capitalized_income_transaction_classification_value"
@TestRailId:C4008
Scenario: Verify Capitalized income amortization allocation mappings
When Admin sets the business date to "1 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC | 01 January 2024 | 250 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "250" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
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 | | | |
| | | 01 January 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 100.29 | 49.71 | 0.87 | 0.0 | 0.0 | 50.58 | 0.0 | 0.0 | 0.0 | 50.58 |
| 2 | 29 | 01 March 2024 | | 50.3 | 49.99 | 0.59 | 0.0 | 0.0 | 50.58 | 0.0 | 0.0 | 0.0 | 50.58 |
| 3 | 31 | 01 April 2024 | | 0.0 | 50.3 | 0.29 | 0.0 | 0.0 | 50.59 | 0.0 | 0.0 | 0.0 | 50.59 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 150.0 | 1.75 | 0.0 | 0.0 | 151.75 | 0.0 | 0.0 | 0.0 | 151.75 |
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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
@TestRailId:C4020
Scenario: Verify Capitalized income amortization allocation mappings when capitalized income transaction is reversed
When Admin sets the business date to "1 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "350" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
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 | | | |
| | | 01 January 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 100.29 | 49.71 | 0.87 | 0.0 | 0.0 | 50.58 | 0.0 | 0.0 | 0.0 | 50.58 |
| 2 | 29 | 01 March 2024 | | 50.3 | 49.99 | 0.59 | 0.0 | 0.0 | 50.58 | 0.0 | 0.0 | 0.0 | 50.58 |
| 3 | 31 | 01 April 2024 | | 0.0 | 50.3 | 0.29 | 0.0 | 0.0 | 50.59 | 0.0 | 0.0 | 0.0 | 50.59 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 150.0 | 1.75 | 0.0 | 0.0 | 151.75 | 0.0 | 0.0 | 0.0 | 151.75 |
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "200" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 350.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 2.77 | 0.0 | 2.77 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
When Customer undo "1"th "Capitalized Income" transaction made on "01 January 2024"
When Admin sets the business date to "4 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | true | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 2.77 | 0.0 | 2.77 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Capitalized Income Amortization | 1.12 | 0.0 | 1.12 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 1.1 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
| 03 January 2024 | AM | 2.22 |
When Admin sets the business date to "5 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | true | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 2.77 | 0.0 | 2.77 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Capitalized Income Amortization | 1.12 | 0.0 | 1.12 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Capitalized Income Amortization | 2.23 | 0.0 | 2.23 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 1.1 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
| 03 January 2024 | AM | 2.22 |
| 04 January 2024 | AM | 2.23 |
@TestRailId:C4021
Scenario: Verify Capitalized income amortization allocation mappings when capitalized income adjustment occurs
When Admin sets the business date to "1 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC | 01 January 2024 | 250 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "250" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
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 | | | |
| | | 01 January 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 100.29 | 49.71 | 0.87 | 0.0 | 0.0 | 50.58 | 0.0 | 0.0 | 0.0 | 50.58 |
| 2 | 29 | 01 March 2024 | | 50.3 | 49.99 | 0.59 | 0.0 | 0.0 | 50.58 | 0.0 | 0.0 | 0.0 | 50.58 |
| 3 | 31 | 01 April 2024 | | 0.0 | 50.3 | 0.29 | 0.0 | 0.0 | 50.59 | 0.0 | 0.0 | 0.0 | 50.59 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 150.0 | 1.75 | 0.0 | 0.0 | 151.75 | 0.0 | 0.0 | 0.0 | 151.75 |
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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
When Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "02 January 2024" with "40" EUR transaction amount
When Admin sets the business date to "4 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Adjustment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 210.0 | false | false |
| 03 January 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Capitalized Income Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
When Admin sets the business date to "5 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Adjustment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 210.0 | false | false |
| 03 January 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Capitalized Income Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Capitalized Income Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
And Admin adds capitalized income adjustment of capitalized income transaction made on "02 January 2024" with "AUTOPAY" payment type to the loan on "04 January 2024" with "60" EUR transaction amount
When Admin sets the business date to "6 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Adjustment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 210.0 | false | false |
| 03 January 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Capitalized Income Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Capitalized Income Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Capitalized Income Adjustment | 60.0 | 59.89 | 0.11 | 0.0 | 0.0 | 150.11 | false | false |
| 05 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Capitalized Income Amortization Adjustment | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
| 05 January 2024 | AM | 0.11 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
| 05 January 2024 | AM_ADJ | 0.25 |
When Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "05 January 2024" with "10" EUR transaction amount
When Admin sets the business date to "7 January 2024"
And Admin runs inline COB job for Loan
And 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 January 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
| 01 January 2024 | Capitalized Income Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Capitalized Income Adjustment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 210.0 | false | false |
| 03 January 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Capitalized Income Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Capitalized Income Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Capitalized Income Adjustment | 60.0 | 59.89 | 0.11 | 0.0 | 0.0 | 150.11 | false | false |
| 05 January 2024 | Accrual | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Capitalized Income Amortization Adjustment | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Capitalized Income Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 140.11 | false | false |
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Capitalized Income Amortization Adjustment | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
| 05 January 2024 | AM | 0.11 |
| 06 January 2024 | AM_ADJ | 0.97 |
And Loan Amortization Allocation Mapping for "CAPITALIZED_INCOME" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
| 05 January 2024 | AM_ADJ | 0.25 |
| 06 January 2024 | AM | 0.43 |