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FINERACT-2173: added e2e tests covering extended migration scenario with special transaction types and conditions

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This commit is contained in:
Rustam Zeinalov
2026-01-08 12:21:40 +01:00
committed by Adam Saghy
parent 97511ca2ff
commit d42b4f7b6c
1 changed files with 442 additions and 0 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanMigration.feature
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@@ -1541,3 +1541,445 @@ Feature: Loan Migration
Then Loan has 995.94 outstanding amount
When Loan Pay-off is made on "10 April 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4480
Scenario: Verify backdated loan migration with pre-closure (early payoff)
When Admin sets the business date to "10 April 2025"
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
And Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 2 | 28 | 01 March 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 30 | 01 May 2025 | | 709.99 | 75.6 | 23.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 630.54 | 79.45 | 19.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 548.91 | 81.63 | 17.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 465.04 | 83.87 | 15.1 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 378.86 | 86.18 | 12.79 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 290.31 | 88.55 | 10.42 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 199.32 | 90.99 | 7.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 105.83 | 93.49 | 5.48 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 105.83 | 2.91 | 0.0 | 0.0 | 108.74 | 0.0 | 0.0 | 0.0 | 108.74 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 197.41 | 0.0 | 0.0 | 1197.41 | 0.0 | 0.0 | 0.0 | 1197.41 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# Make backdated partial repayment on 01 February 2025
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 98.97 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 3 | 31 | 01 April 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 30 | 01 May 2025 | | 705.39 | 76.26 | 22.71 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 625.82 | 79.57 | 19.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 544.06 | 81.76 | 17.21 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 460.05 | 84.01 | 14.96 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 373.73 | 86.32 | 12.65 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 285.04 | 88.69 | 10.28 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 193.91 | 91.13 | 7.84 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 100.27 | 93.64 | 5.33 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 100.27 | 2.76 | 0.0 | 0.0 | 103.03 | 0.0 | 0.0 | 0.0 | 103.03 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 191.7 | 0.0 | 0.0 | 1191.7 | 98.97 | 0.0 | 0.0 | 1092.73 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
# Make preclosure (Pay-off) on 01 March 2025
When Loan Pay-off is made on "01 March 2025"
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | 01 March 2025 | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2025 | 01 March 2025 | 756.12 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2025 | 01 March 2025 | 657.15 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2025 | 01 March 2025 | 558.18 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2025 | 01 March 2025 | 459.21 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 7 | 31 | 01 August 2025 | 01 March 2025 | 360.24 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 8 | 31 | 01 September 2025 | 01 March 2025 | 261.27 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 9 | 30 | 01 October 2025 | 01 March 2025 | 162.3 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 10 | 31 | 01 November 2025 | 01 March 2025 | 63.33 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
| 11 | 30 | 01 December 2025 | 01 March 2025 | 0.0 | 63.33 | 0.0 | 0.0 | 0.0 | 63.33 | 63.33 | 63.33 | 0.0 | 0.0 |
| 12 | 31 | 01 January 2026 | 01 March 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 53.03 | 0.0 | 0.0 | 1053.03 | 1053.03 | 855.09 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
| 01 February 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2025 | Repayment | 954.06 | 928.53 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 53.03 | 0.0 | 53.03 | 0.0 | 0.0 | 0.0 | false | false |
# Verify loan is closed after preclosure
Then Loan's all installments have obligations met
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
# Run inline COB job for loan
When Admin runs inline COB job for Loan
# Verify loan remains closed after COB
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
# Verify no delinquency on closed loan
Then Loan has 0.0 total overdue amount
# Verify final accrual entries
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
| 01 February 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2025 | Repayment | 954.06 | 928.53 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 53.03 | 0.0 | 53.03 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C4481
Scenario: Verify backdated loan migration with refund transactions (merchant refund and interest refund)
When Admin sets the business date to "10 April 2025"
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
# First disbursement - 01/01/2025 - 500 EUR
And Admin successfully disburse the loan on "01 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0 | 0.0 | 598.72 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
# Second disbursement - 15/01/2025 - 500 EUR
And Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 2 | 28 | 01 March 2025 | | 852.05 | 70.87 | 27.5 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 3 | 31 | 01 April 2025 | | 781.18 | 70.87 | 27.5 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 4 | 30 | 01 May 2025 | | 706.1 | 75.08 | 23.29 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 5 | 31 | 01 June 2025 | | 627.15 | 78.95 | 19.42 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 6 | 30 | 01 July 2025 | | 546.03 | 81.12 | 17.25 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 7 | 31 | 01 August 2025 | | 462.68 | 83.35 | 15.02 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 8 | 31 | 01 September 2025 | | 377.03 | 85.65 | 12.72 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 9 | 30 | 01 October 2025 | | 289.03 | 88.0 | 10.37 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 10 | 31 | 01 November 2025 | | 198.61 | 90.42 | 7.95 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 11 | 30 | 01 December 2025 | | 105.7 | 92.91 | 5.46 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 12 | 31 | 01 January 2026 | | 0.0 | 105.7 | 2.91 | 0.0 | 0.0 | 108.61| 0.0 | 0.0 | 0.0 | 108.61 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 190.68 | 0.0 | 0.0 | 1190.68 | 0.0 | 0.0 | 0.0 | 1190.68 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# Apply merchant refund - 10/02/2025 - 100 EUR
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 February 2025" with 100 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 10 February 2025 | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 98.37 | 0.0 | 98.37 | 0.0 |
| 2 | 28 | 01 March 2025 | | 850.58 | 72.34 | 26.03 | 0.0 | 0.0 | 98.37 | 3.63 | 3.63 | 0.0 | 94.74 |
| 3 | 31 | 01 April 2025 | | 777.55 | 73.03 | 25.34 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 4 | 30 | 01 May 2025 | | 701.72 | 75.83 | 22.54 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 5 | 31 | 01 June 2025 | | 622.6 | 79.12 | 19.25 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 6 | 30 | 01 July 2025 | | 541.31 | 81.29 | 17.08 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 7 | 31 | 01 August 2025 | | 457.78 | 83.53 | 14.84 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 8 | 31 | 01 September 2025 | | 371.95 | 85.83 | 12.54 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 9 | 30 | 01 October 2025 | | 283.76 | 88.19 | 10.18 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 10 | 31 | 01 November 2025 | | 193.15 | 90.61 | 7.76 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 11 | 30 | 01 December 2025 | | 100.05 | 93.1 | 5.27 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 12 | 31 | 01 January 2026 | | 0.0 | 100.05 | 2.71 | 0.0 | 0.0 | 102.76 | 1.63 | 1.63 | 0.0 | 101.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 184.83 | 0.0 | 0.0 | 1184.83 | 103.63 | 5.26 | 98.37 | 1081.2 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 February 2025 | Merchant Issued Refund | 100.0 | 78.71 | 21.29 | 0.0 | 0.0 | 921.29 | false | false |
| 10 February 2025 | Interest Refund | 3.63 | 0.0 | 3.63 | 0.0 | 0.0 | 921.29 | false | false |
# Apply interest refund - 01/03/2025
When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "01 March 2025" with 50 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 10 February 2025 | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 98.37 | 0.0 | 98.37 | 0.0 |
| 2 | 28 | 01 March 2025 | | 850.58 | 72.34 | 26.03 | 0.0 | 0.0 | 98.37 | 56.77 | 3.63 | 0.0 | 41.6 |
| 3 | 31 | 01 April 2025 | | 776.17 | 74.41 | 23.96 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 4 | 30 | 01 May 2025 | | 699.9 | 76.27 | 22.1 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 5 | 31 | 01 June 2025 | | 620.73 | 79.17 | 19.2 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 6 | 30 | 01 July 2025 | | 539.39 | 81.34 | 17.03 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 7 | 31 | 01 August 2025 | | 455.81 | 83.58 | 14.79 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 8 | 31 | 01 September 2025 | | 369.93 | 85.88 | 12.49 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 9 | 30 | 01 October 2025 | | 281.69 | 88.24 | 10.13 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 10 | 31 | 01 November 2025 | | 191.02 | 90.67 | 7.7 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 11 | 30 | 01 December 2025 | | 97.86 | 93.16 | 5.21 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 12 | 31 | 01 January 2026 | | 0.0 | 97.86 | 2.65 | 0.0 | 0.0 | 100.51 | 1.63 | 1.63 | 0.0 | 98.88 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 182.58 | 0.0 | 0.0 | 1182.58 | 156.77 | 5.26 | 98.37 | 1025.81 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 February 2025 | Merchant Issued Refund | 100.0 | 78.71 | 21.29 | 0.0 | 0.0 | 921.29 | false | false |
| 10 February 2025 | Interest Refund | 3.63 | 0.0 | 3.63 | 0.0 | 0.0 | 921.29 | false | false |
| 01 March 2025 | Payout Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 871.29 | false | false |
| 01 March 2025 | Interest Refund | 3.14 | 0.0 | 3.14 | 0.0 | 0.0 | 871.29 | false | false |
# Run inline COB job for loan
When Admin runs inline COB job for Loan
# Verify accrual entries adjust correctly for refunds
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 10 February 2025 | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 98.37 | 0.0 | 98.37 | 0.0 |
| 2 | 28 | 01 March 2025 | | 850.58 | 72.34 | 26.03 | 0.0 | 0.0 | 98.37 | 56.77 | 3.63 | 0.0 | 41.6 |
| 3 | 31 | 01 April 2025 | | 776.17 | 74.41 | 23.96 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 4 | 30 | 01 May 2025 | | 699.9 | 76.27 | 22.1 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 5 | 31 | 01 June 2025 | | 620.73 | 79.17 | 19.2 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 6 | 30 | 01 July 2025 | | 539.39 | 81.34 | 17.03 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 7 | 31 | 01 August 2025 | | 455.81 | 83.58 | 14.79 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 8 | 31 | 01 September 2025 | | 369.93 | 85.88 | 12.49 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 9 | 30 | 01 October 2025 | | 281.69 | 88.24 | 10.13 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 10 | 31 | 01 November 2025 | | 191.02 | 90.67 | 7.7 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 11 | 30 | 01 December 2025 | | 97.86 | 93.16 | 5.21 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
| 12 | 31 | 01 January 2026 | | 0.0 | 97.86 | 2.65 | 0.0 | 0.0 | 100.51 | 1.63 | 1.63 | 0.0 | 98.88 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 182.58 | 0.0 | 0.0 | 1182.58 | 156.77 | 5.26 | 98.37 | 1025.81 |
# Verify loan schedule reflects refunded amounts and accrual entries
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Accrual Activity | 21.29 | 0.0 | 21.29 | 0.0 | 0.0 | 0.0 | false | false |
| 10 February 2025 | Merchant Issued Refund | 100.0 | 78.71 | 21.29 | 0.0 | 0.0 | 921.29 | false | false |
| 10 February 2025 | Interest Refund | 3.63 | 0.0 | 3.63 | 0.0 | 0.0 | 921.29 | false | false |
| 01 March 2025 | Payout Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 871.29 | false | false |
| 01 March 2025 | Interest Refund | 3.14 | 0.0 | 3.14 | 0.0 | 0.0 | 871.29 | false | false |
| 01 March 2025 | Accrual Activity | 26.03 | 0.0 | 26.03 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Accrual Activity | 23.96 | 0.0 | 23.96 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 77.67 | 0.0 | 77.67 | 0.0 | 0.0 | 0.0 | false | false |
# Verify loan status remains active
Then Loan status will be "ACTIVE"
When Loan Pay-off is made on "10 April 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4482
Scenario: Verify backdated loan migration spanning leap year boundary
When Admin sets the business date to "10 April 2025"
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 15 December 2024 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "15 December 2024" with "1000" amount and expected disbursement date on "15 December 2024"
And Admin successfully disburse the loan on "15 December 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 12 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 |
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 15 January 2025 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 2 | 31 | 15 February 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 3 | 28 | 15 March 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 31 | 15 April 2025 | | 713.17 | 72.42 | 26.55 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 30 | 15 May 2025 | | 633.81 | 79.36 | 19.61 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 31 | 15 June 2025 | | 552.27 | 81.54 | 17.43 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 30 | 15 July 2025 | | 468.49 | 83.78 | 15.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 15 August 2025 | | 382.4 | 86.09 | 12.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 31 | 15 September 2025 | | 293.95 | 88.45 | 10.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 30 | 15 October 2025 | | 203.06 | 90.89 | 8.08 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 31 | 15 November 2025 | | 109.67 | 93.39 | 5.58 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 30 | 15 December 2025 | | 0.0 | 109.67 | 3.02 | 0.0 | 0.0 | 112.69 | 0.0 | 0.0 | 0.0 | 112.69 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 201.36 | 0.0 | 0.0 | 1201.36 | 0.0 | 0.0 | 0.0 | 1201.36 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# Make backdated payment on 15 January 2025 (first installment due date)
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 98.97 EUR transaction amount
Then Loan Repayment schedule has 12 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 |
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 15 January 2025 | 15 January 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 15 February 2025 | | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 3 | 28 | 15 March 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 31 | 15 April 2025 | | 707.56 | 74.09 | 24.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 30 | 15 May 2025 | | 628.05 | 79.51 | 19.46 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 31 | 15 June 2025 | | 546.35 | 81.7 | 17.27 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 30 | 15 July 2025 | | 462.4 | 83.95 | 15.02 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 15 August 2025 | | 376.15 | 86.25 | 12.72 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 31 | 15 September 2025 | | 287.52 | 88.63 | 10.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 30 | 15 October 2025 | | 196.46 | 91.06 | 7.91 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 31 | 15 November 2025 | | 102.89 | 93.57 | 5.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 30 | 15 December 2025 | | 0.0 | 102.89 | 2.83 | 0.0 | 0.0 | 105.72 | 0.0 | 0.0 | 0.0 | 105.72 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 194.39 | 0.0 | 0.0 | 1194.39 | 98.97 | 0.0 | 0.0 | 1095.42 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
# Make backdated payment on 15 March 2025 (third installment - crosses February boundary)
And Customer makes "AUTOPAY" repayment on "15 March 2025" with 98.97 EUR transaction amount
Then Loan Repayment schedule has 12 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 |
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 15 January 2025 | 15 January 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 15 February 2025 | 15 March 2025 | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 3 | 28 | 15 March 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 31 | 15 April 2025 | | 705.87 | 75.78 | 23.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 30 | 15 May 2025 | | 626.31 | 79.56 | 19.41 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 31 | 15 June 2025 | | 544.56 | 81.75 | 17.22 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 30 | 15 July 2025 | | 460.57 | 83.99 | 14.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 15 August 2025 | | 374.27 | 86.3 | 12.67 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 31 | 15 September 2025 | | 285.59 | 88.68 | 10.29 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 30 | 15 October 2025 | | 194.47 | 91.12 | 7.85 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 31 | 15 November 2025 | | 100.85 | 93.62 | 5.35 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 30 | 15 December 2025 | | 0.0 | 100.85 | 2.77 | 0.0 | 0.0 | 103.62 | 0.0 | 0.0 | 0.0 | 103.62 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 192.29 | 0.0 | 0.0 | 1192.29 | 197.94 | 0.0 | 98.97 | 994.35 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
| 15 March 2025 | Repayment | 98.97 | 73.44 | 25.53 | 0.0 | 0.0 | 855.09 | false | false |
# Run inline COB job for loan
When Admin runs inline COB job for Loan
# Verify interest calculations handle leap year boundary correctly with 360/30 day count
Then Loan Repayment schedule has 12 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 |
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 15 January 2025 | 15 January 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 15 February 2025 | 15 March 2025 | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 3 | 28 | 15 March 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 31 | 15 April 2025 | | 705.87 | 75.78 | 23.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 30 | 15 May 2025 | | 626.31 | 79.56 | 19.41 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 31 | 15 June 2025 | | 544.56 | 81.75 | 17.22 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 30 | 15 July 2025 | | 460.57 | 83.99 | 14.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 15 August 2025 | | 374.27 | 86.3 | 12.67 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 31 | 15 September 2025 | | 285.59 | 88.68 | 10.29 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 30 | 15 October 2025 | | 194.47 | 91.12 | 7.85 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 31 | 15 November 2025 | | 100.85 | 93.62 | 5.35 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 30 | 15 December 2025 | | 0.0 | 100.85 | 2.77 | 0.0 | 0.0 | 103.62 | 0.0 | 0.0 | 0.0 | 103.62 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 192.29 | 0.0 | 0.0 | 1192.29 | 197.94 | 0.0 | 98.97 | 994.35 |
# Verify all accrual entries and accrual activities are generated with correct amounts
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
| 15 January 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
| 15 March 2025 | Repayment | 98.97 | 73.44 | 25.53 | 0.0 | 0.0 | 855.09 | false | false |
| 15 March 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 97.52 | 0.0 | 97.52 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "ACTIVE"
When Loan Pay-off is made on "10 April 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4483
Scenario: Verify backdated loan migration with large number of past due installments (all 12 months overdue)
When Admin sets the business date to "10 April 2025"
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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 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 12 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 | 31 | 01 February 2024 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 2 | 29 | 01 March 2024 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 3 | 31 | 01 April 2024 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 30 | 01 May 2024 | | 714.12 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2024 | | 642.65 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2024 | | 571.18 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2024 | | 499.71 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2024 | | 428.24 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2024 | | 356.77 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2024 | | 285.3 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2024 | | 213.83 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2025 | | 0.0 | 213.83 | 27.5 | 0.0 | 0.0 | 241.33 | 0.0 | 0.0 | 0.0 | 241.33 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 330.0 | 0.0 | 0.0 | 1330.0 | 0.0 | 0.0 | 0.0 | 1330.0 |
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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# No payments made - loan remains fully unpaid
# Run inline COB job for loan to generate all past due accrual activities
When Admin runs inline COB job for Loan
# Verify all past periods (12+ months) have correct accrual activities
Then Loan Repayment schedule has 12 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 | 31 | 01 February 2024 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 2 | 29 | 01 March 2024 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 3 | 31 | 01 April 2024 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 30 | 01 May 2024 | | 714.12 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2024 | | 642.65 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2024 | | 571.18 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2024 | | 499.71 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2024 | | 428.24 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2024 | | 356.77 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2024 | | 285.3 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2024 | | 213.83 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2025 | | 0.0 | 213.83 | 27.5 | 0.0 | 0.0 | 241.33 | 0.0 | 0.0 | 0.0 | 241.33 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 330.0 | 0.0 | 0.0 | 1330.0 | 0.0 | 0.0 | 0.0 | 1330.0 |
# Verify aggregated accrual is accurate - all 12 accrual activities generated for each past due period
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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 June 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 July 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 August 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 September 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 October 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 November 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 December 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2025 | Accrual | 330.0 | 0.0 | 330.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
# Verify delinquency reflects total overdue amount
Then Loan status will be "ACTIVE"
# All installments are past due - total overdue should be the full loan amount
Then Loan has 1330.0 total overdue amount
When Loan Pay-off is made on "10 April 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met