FINERACT-2412: full term tranche - N+1 installment handling

2026-02-03 13:12:22 +01:00
parent 7a7ed538e6
commit d2497a77fc
2 changed files with 64 additions and 9 deletions
@@ -44,6 +44,7 @@ import java.util.Comparator;
 import java.util.HashMap;
 import java.util.LinkedHashMap;
 import java.util.LinkedHashSet;
+import java.util.LinkedList;
 import java.util.List;
 import java.util.ListIterator;
 import java.util.Map;
@@ -228,12 +229,13 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
        final Integer installmentAmountInMultiplesOf = loan.getLoanProductRelatedDetail().getInstallmentAmountInMultiplesOf();
        ProgressiveLoanInterestScheduleModel scheduleModel = emiCalculator.generateInstallmentInterestScheduleModel(installments,
                LoanConfigurationDetailsMapper.map(loan), installmentAmountInMultiplesOf, overpaymentHolder.getMoneyObject().getMc());
+        List<Long> loanChargeIdProcessed = new ArrayList<>();
+
        ProgressiveTransactionCtx ctx = new ProgressiveTransactionCtx(currency, installments, charges, overpaymentHolder,
-                changedTransactionDetail, scheduleModel, loan.getActiveLoanTermVariations());
+                changedTransactionDetail, scheduleModel, Money.zero(currency), loan.getActiveLoanTermVariations(), loanChargeIdProcessed);

        List<ChangeOperation> changeOperations = createSortedChangeList(loanTermVariations, loanTransactions, charges);

-        List<Long> loanChargeIdProcessed = new ArrayList<>();
        List<LoanTransaction> overpaidTransactions = new ArrayList<>();
        for (final ChangeOperation changeOperation : changeOperations) {
            if (changeOperation.isLoanTermVariationsData()) {
@@ -1595,7 +1597,8 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
        }

        disbursementTransaction.resetDerivedComponents();
-        recalculateRepaymentPeriodsWithEMICalculation(amortizableAmount, model, installments, disbursementTransaction, currency);
+        recalculateRepaymentPeriodsWithEMICalculation(amortizableAmount, model, installments, disbursementTransaction, currency,
+                ((ProgressiveTransactionCtx) transactionCtx).getProcessedLoanCharges());
        allocateOverpayment(disbursementTransaction, transactionCtx);
    }

@@ -1668,7 +1671,8 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
        Money amortizableAmount = capitalizedIncomeTransaction.getAmount(currency);
        emiCalculator.addCapitalizedIncome(model, transactionDate, amortizableAmount);

-        recalculateRepaymentPeriodsWithEMICalculation(amortizableAmount, model, installments, capitalizedIncomeTransaction, currency);
+        recalculateRepaymentPeriodsWithEMICalculation(amortizableAmount, model, installments, capitalizedIncomeTransaction, currency,
+                ((ProgressiveTransactionCtx) transactionCtx).getProcessedLoanCharges());
        allocateOverpayment(capitalizedIncomeTransaction, transactionCtx);
    }

@@ -1690,7 +1694,7 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep

    private void recalculateRepaymentPeriodsWithEMICalculation(final Money amortizableAmount,
            final ProgressiveLoanInterestScheduleModel model, final List<LoanRepaymentScheduleInstallment> installments,
-            final LoanTransaction loanTransaction, final MonetaryCurrency currency) {
+            final LoanTransaction loanTransaction, final MonetaryCurrency currency, final Set<LoanCharge> processedLoanCharges) {
        final LocalDate transactionDate = loanTransaction.getTransactionDate();
        final boolean isPostMaturityDisbursement = installments.stream().filter(i -> !i.isDownPayment() && !i.isAdditional())
                .allMatch(i -> i.getDueDate().isBefore(transactionDate));
@@ -1708,6 +1712,8 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
            final AtomicInteger installmentCounter = new AtomicInteger();
            final ILoanConfigurationDetails loanProductRelatedDetail = model.loanProductRelatedDetail();

+            List<LoanRepaymentScheduleInstallment> newInstallments = new LinkedList<>();
+
            model.repaymentPeriods().forEach(rm -> {
                LoanRepaymentScheduleInstallment installment = null;
                while (iterator.hasNext() && (installment == null || installment.isAdditional() || installment.isDownPayment())) {
@@ -1723,7 +1729,9 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
                } else {
                    if (loanProductRelatedDetail != null && loanProductRelatedDetail.isAllowFullTermForTranche()
                            && loanProductRelatedDetail.getNumberOfRepayments() > 0 && !rm.getDueDate().isBefore(transactionDate)) {
-                        installmentCounter.getAndIncrement();
+                        if (installment == null || !installment.isAdditional()) {
+                            installmentCounter.getAndIncrement();
+                        }
                        final LoanRepaymentScheduleInstallment newInstallment = new LoanRepaymentScheduleInstallment(
                                loanTransaction.getLoan(), installmentCounter.get(), rm.getFromDate(), rm.getDueDate(),
                                rm.getDuePrincipal().getAmount(), rm.getDueInterest().getAmount(), null, null, null, null, null, null,
@@ -1731,9 +1739,27 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep

                        newInstallment.updateObligationsMet(currency, transactionDate);
                        iterator.add(newInstallment);
+                        newInstallments.add(newInstallment);
                    }
                }
            });
+            // fix additional installment
+            Optional<LoanRepaymentScheduleInstallment> additionalInstallmentOptional = installments.stream()
+                    .filter(LoanRepaymentScheduleInstallment::isAdditional).findFirst();
+            if (additionalInstallmentOptional.isPresent() && !newInstallments.isEmpty()) {
+                LoanRepaymentScheduleInstallment additional = additionalInstallmentOptional.get();
+                // iterate trough new installments to fix charges
+                for (LoanRepaymentScheduleInstallment installment : newInstallments) {
+                    moveRelatedChargesToInstallment(processedLoanCharges, installment, List.of(additional), currency);
+                    additional.setFromDate(installment.getDueDate());
+                    additional.setInstallmentNumber(installment.getInstallmentNumber() + 1);
+                }
+                installments.remove(additional);
+                if (additional.getDueDate().isAfter(model.getMaturityDate())) {
+                    // step is needed to move the additional installment to the end of the list.
+                    installments.add(additional);
+                }
+            }
        }
    }

@@ -3866,11 +3892,11 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
    }

    private void moveRelatedChargesToInstallment(Set<LoanCharge> charges, LoanRepaymentScheduleInstallment target,
-            List<LoanRepaymentScheduleInstallment> installments, MonetaryCurrency currency) {
-        int firstNormalInstallmentNumber = LoanRepaymentScheduleProcessingWrapper.fetchFirstNormalInstallmentNumber(installments);
+            List<LoanRepaymentScheduleInstallment> sources, MonetaryCurrency currency) {
+        int firstNormalInstallmentNumber = LoanRepaymentScheduleProcessingWrapper.fetchFirstNormalInstallmentNumber(sources);
        Set<LoanCharge> chargesOfNewInstallment = getLoanChargesOfInstallment(charges, target, firstNormalInstallmentNumber);
        Integer targetInstallmentNumber = target.getInstallmentNumber();
-        installments.stream().filter(i -> Objects.equals(i.getInstallmentNumber(), targetInstallmentNumber)).findFirst()
+        sources.stream().filter(source -> Objects.equals(source.getInstallmentNumber(), targetInstallmentNumber)).findFirst()
                .filter(source -> source != target).ifPresent(source -> {
                    // move fees
                    chargesOfNewInstallment.stream().filter(LoanCharge::isNotFullyPaid).filter(LoanCharge::isFeeCharge)
@@ -19,10 +19,13 @@
 package org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl;

 import java.util.ArrayList;
+import java.util.HashSet;
 import java.util.List;
 import java.util.Set;
+import java.util.stream.Collectors;
 import lombok.Getter;
 import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
 import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
 import org.apache.fineract.organisation.monetary.domain.Money;
 import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
@@ -50,6 +53,7 @@ public class ProgressiveTransactionCtx extends TransactionCtx {
    @Setter
    private boolean isPrepayAttempt = false;
    private final List<LoanRepaymentScheduleInstallment> skipRepaymentScheduleInstallments = new ArrayList<>();
+    private final List<Long> processedLoanChargeIds;

    public ProgressiveTransactionCtx(MonetaryCurrency currency, List<LoanRepaymentScheduleInstallment> installments,
            Set<LoanCharge> charges, MoneyHolder overpaymentHolder, ChangedTransactionDetail changedTransactionDetail,
@@ -62,8 +66,33 @@ public class ProgressiveTransactionCtx extends TransactionCtx {
            Set<LoanCharge> charges, MoneyHolder overpaymentHolder, ChangedTransactionDetail changedTransactionDetail,
            ProgressiveLoanInterestScheduleModel model, Money sumOfInterestRefundAmount,
            List<LoanTermVariations> activeLoanTermVariations) {
+        this(currency, installments, charges, overpaymentHolder, changedTransactionDetail, model, sumOfInterestRefundAmount,
+                activeLoanTermVariations,
+                charges == null ? new ArrayList<>() : charges.stream().map(AbstractPersistableCustom::getId).toList());
+    }
+
+    public ProgressiveTransactionCtx(MonetaryCurrency currency, List<LoanRepaymentScheduleInstallment> installments,
+            Set<LoanCharge> charges, MoneyHolder overpaymentHolder, ChangedTransactionDetail changedTransactionDetail,
+            ProgressiveLoanInterestScheduleModel model, Money sumOfInterestRefundAmount, List<LoanTermVariations> activeLoanTermVariations,
+            List<Long> processedLoanChargeIds) {
        super(currency, installments, charges, overpaymentHolder, changedTransactionDetail, activeLoanTermVariations);
        this.sumOfInterestRefundAmount = sumOfInterestRefundAmount;
        this.model = model;
+        this.processedLoanChargeIds = processedLoanChargeIds;
    }
+
+    public Set<LoanCharge> getProcessedLoanCharges() {
+        if (getCharges() == null) {
+            return new HashSet<>();
+        }
+        if (getCharges().size() == getProcessedLoanChargeIds().size()) {
+            return getCharges();
+        }
+        return getCharges().stream().filter(this::isLoanChargeProcessed).collect(Collectors.toSet());
+    }
+
+    public boolean isLoanChargeProcessed(final LoanCharge loanCharge) {
+        return getProcessedLoanChargeIds().contains(loanCharge.getId());
+    }
+
 }