CBSNexora/cbsnexora-backend
4
0
Fork 0
Code Issues Pull Requests Actions 37 Packages Projects Releases Wiki Activity

FINERACT-2264: added e2e tests for incorrect interest handling in case of early repayment in the middle of interest pause

Browse Source
This commit is contained in:
mdmytriv
2025-04-28 23:45:33 +02:00
committed by Adam Saghy
parent 509cbd8b19
commit d7f321bc65
6 changed files with 750 additions and 3 deletions
Download Patch File Download Diff File Expand all files Collapse all files
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+1
View File
@@ -118,6 +118,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ACCELERATE_MATURITY_CHARGE_OFF, //
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF, //
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ACC_MATUR_CHARGE_OFF, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_REST_FREQUENCY_DATE_LAST_INSTALLMENT, //
;
@Override
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+31
View File
@@ -2346,6 +2346,37 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ACC_MATUR_CHARGE_OFF,
responseLoanProductsRequestLP2AdvPaymentIntEmiActualActualNoInterestRecalcIntRefundFullAccelerateMaturityChargeOff);
// LP2 with progressive loan schedule + horizontal + interest EMI + 360/30
// + interest recalculation, preClosureInterestCalculationStrategy= till rest frequency date,
// interestRecalculationCompoundingMethod = none
// Frequency for recalculate Outstanding Principal: Daily, Frequency Interval for recalculation: 1
// (LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_REST_FREQUENCY_DATE_LAST_INSTALLMENT)
String name96 = DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_REST_FREQUENCY_DATE_LAST_INSTALLMENT
.getName();
PostLoanProductsRequest loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyTillRestFrequencyDateLastInstallment = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.name(name96)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.isInterestRecalculationEnabled(true)//
.preClosureInterestCalculationStrategy(2)//
.rescheduleStrategyMethod(4)//
.interestRecalculationCompoundingMethod(0)//
.recalculationRestFrequencyType(2)//
.recalculationRestFrequencyInterval(1)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "LAST_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")));//
Response<PostLoanProductsResponse> responseLoanProductsRequestLP2AdvancedpaymentInterest36030InterestRecalcDailyTillRestFrequencyDateLastInstallment = loanProductsApi
.createLoanProduct(
loanProductsRequestLP2AdvancedpaymentInterestEmi36030InterestRecalcDailyTillRestFrequencyDateLastInstallment)
.execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_REST_FREQUENCY_DATELAST_INSTALLMENT,
responseLoanProductsRequestLP2AdvancedpaymentInterest36030InterestRecalcDailyTillRestFrequencyDateLastInstallment);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+1
View File
@@ -148,6 +148,7 @@ public abstract class TestContextKey {
public static final String LP2_NO_INTEREST_RECALCULATION_CHARGEBACK_ALLOCATION_PRINCIPAL_FIRST_RESPONSE = "loanProductCreateResponseLP2NoInterestRecalculationChargebackAllocationPrincipalFirst";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyInterestRecalculationAccelerateMaturityChargeOffBehaviourLastInstallmentStrategy";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY = "loanProductCreateResponseLP2AdvancedPaymentAccelerateMaturityChargeOffBehaviourLastInstallmentStrategy";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_REST_FREQUENCY_DATELAST_INSTALLMENT = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyTillRestFrequencyDateLastInstallment";
public static final String CHARGE_FOR_LOAN_PERCENT_LATE_CREATE_RESPONSE = "ChargeForLoanPercentLateCreateResponse";
public static final String CHARGE_FOR_LOAN_PERCENT_LATE_AMOUNT_PLUS_INTEREST_CREATE_RESPONSE = "ChargeForLoanPercentLateAmountPlusInterestCreateResponse";
public static final String CHARGE_FOR_LOAN_PERCENT_PROCESSING_CREATE_RESPONSE = "ChargeForLoanPercentProcessingCreateResponse";
fineract-e2e-tests-runner/src/test/resources/features/EMICalculation.feature
-1
View File
@@ -1418,7 +1418,6 @@ Feature: EMI calculation and repayment schedule checks for interest bearing loan
Scenario: Verify the Pay-off transaction - UC2: 360/30, pre-close on overdue loan, preClosureInterestCalculationStrategy = till rest frequency date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
-2
View File
@@ -6082,7 +6082,6 @@ Feature: Loan
Scenario: Early pay-off loan with interest, TILL_REST_FREQUENCY_DATE product
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
@@ -6139,7 +6138,6 @@ Feature: Loan
| 15 February 2024 | Repayment | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false |
Then Loan's all installments have obligations met
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
@TestRailId:C3484
Scenario: Interest recalculation - S1 daily for overdue loan
fineract-e2e-tests-runner/src/test/resources/features/LoanInterestPause.feature
+717
View File
@@ -383,3 +383,720 @@ Feature: Loan interest pause on repayment schedule
| 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 |
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
@TestRailId:C3624
Scenario: Verify repayment in the middle of interest pause period - UC1
When Admin sets the business date to "01 April 2025"
When 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 27 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 18 | MONTHS | 1 | MONTHS | 18 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
When Admin sets the business date to "20 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 18 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 946.07 | 53.93 | 14.25 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 2 | 31 | 01 June 2025 | | 899.18 | 46.89 | 21.29 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 3 | 30 | 01 July 2025 | | 851.23 | 47.95 | 20.23 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 4 | 31 | 01 August 2025 | | 802.2 | 49.03 | 19.15 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 5 | 31 | 01 September 2025 | | 752.07 | 50.13 | 18.05 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 6 | 30 | 01 October 2025 | | 700.81 | 51.26 | 16.92 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 7 | 31 | 01 November 2025 | | 648.4 | 52.41 | 15.77 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 8 | 30 | 01 December 2025 | | 594.81 | 53.59 | 14.59 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 9 | 31 | 01 January 2026 | | 540.01 | 54.8 | 13.38 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 10 | 31 | 01 February 2026 | | 483.98 | 56.03 | 12.15 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 11 | 28 | 01 March 2026 | | 426.69 | 57.29 | 10.89 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 12 | 31 | 01 April 2026 | | 368.11 | 58.58 | 9.6 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 13 | 30 | 01 May 2026 | | 308.21 | 59.9 | 8.28 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 14 | 31 | 01 June 2026 | | 246.96 | 61.25 | 6.93 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 15 | 30 | 01 July 2026 | | 184.34 | 62.62 | 5.56 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 16 | 31 | 01 August 2026 | | 120.31 | 64.03 | 4.15 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 17 | 31 | 01 September 2026 | | 54.84 | 65.47 | 2.71 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 18 | 30 | 01 October 2026 | | 0.0 | 54.84 | 1.23 | 0.0 | 0.0 | 56.07 | 0.0 | 0.0 | 0.0 | 56.07 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 215.13 | 0.0 | 0.0 | 1215.13 | 0.0 | 0.0 | 0.0 | 1215.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 68.18 EUR transaction amount
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 18 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 20 April 2025 | 941.57 | 58.43 | 9.75 | 0.0 | 0.0 | 68.18 | 68.18 | 68.18 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | | 898.82 | 42.75 | 25.43 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 3 | 30 | 01 July 2025 | | 850.86 | 47.96 | 20.22 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 4 | 31 | 01 August 2025 | | 801.82 | 49.04 | 19.14 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 5 | 31 | 01 September 2025 | | 751.68 | 50.14 | 18.04 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 6 | 30 | 01 October 2025 | | 700.41 | 51.27 | 16.91 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 7 | 31 | 01 November 2025 | | 647.99 | 52.42 | 15.76 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 8 | 30 | 01 December 2025 | | 594.39 | 53.6 | 14.58 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 9 | 31 | 01 January 2026 | | 539.58 | 54.81 | 13.37 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 10 | 31 | 01 February 2026 | | 483.54 | 56.04 | 12.14 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 11 | 28 | 01 March 2026 | | 426.24 | 57.3 | 10.88 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 12 | 31 | 01 April 2026 | | 367.65 | 58.59 | 9.59 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 13 | 30 | 01 May 2026 | | 307.74 | 59.91 | 8.27 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 14 | 31 | 01 June 2026 | | 246.48 | 61.26 | 6.92 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 15 | 30 | 01 July 2026 | | 183.85 | 62.63 | 5.55 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 16 | 31 | 01 August 2026 | | 119.81 | 64.04 | 4.14 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 17 | 31 | 01 September 2026 | | 54.33 | 65.48 | 2.7 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
| 18 | 30 | 01 October 2026 | | 0.0 | 54.33 | 1.22 | 0.0 | 0.0 | 55.55 | 0.0 | 0.0 | 0.0 | 55.55 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 214.61 | 0.0 | 0.0 | 1214.61 | 68.18 | 68.18 | 0.0 | 1146.43 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2025 | Repayment | 68.18 | 58.43 | 9.75 | 0.0 | 0.0 | 941.57 | false | false |
| 26 April 2025 | Accrual | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2025 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2025 | Accrual | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2025 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2025 | Accrual | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3625
Scenario: Verify a few repayments in the middle of interest pause period - UC2
When Admin sets the business date to "01 April 2025"
When 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_RECALCULATION_SARP_TILL_PRECLOSE | 01 April 2025 | 1000 | 36 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 240 | DAYS | 15 | DAYS | 16 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "15 April 2025" and end date "05 May 2025"
When Admin sets the business date to "20 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 16 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 15 | 16 April 2025 | | 942.24 | 57.76 | 13.0 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 2 | 15 | 01 May 2025 | | 871.48 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 3 | 15 | 16 May 2025 | | 810.31 | 61.17 | 9.59 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 4 | 15 | 31 May 2025 | | 751.7 | 58.61 | 12.15 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 5 | 15 | 15 June 2025 | | 692.22 | 59.48 | 11.28 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 6 | 15 | 30 June 2025 | | 631.84 | 60.38 | 10.38 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 7 | 15 | 15 July 2025 | | 570.56 | 61.28 | 9.48 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 8 | 15 | 30 July 2025 | | 508.36 | 62.2 | 8.56 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 9 | 15 | 14 August 2025 | | 445.23 | 63.13 | 7.63 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 10 | 15 | 29 August 2025 | | 381.15 | 64.08 | 6.68 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 11 | 15 | 13 September 2025 | | 316.11 | 65.04 | 5.72 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 12 | 15 | 28 September 2025 | | 250.09 | 66.02 | 4.74 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 13 | 15 | 13 October 2025 | | 183.08 | 67.01 | 3.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 14 | 15 | 28 October 2025 | | 115.07 | 68.01 | 2.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 15 | 15 | 12 November 2025 | | 46.04 | 69.03 | 1.73 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 16 | 15 | 27 November 2025 | | 0.0 | 46.04 | 0.69 | 0.0 | 0.0 | 46.73 | 0.0 | 0.0 | 0.0 | 46.73 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 108.13 | 0.0 | 0.0 | 1108.13 | 0.0 | 0.0 | 0.0 | 1108.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 70.76 EUR transaction amount
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 70.76 EUR transaction amount
When Admin sets the business date to "10 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 16 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 15 | 16 April 2025 | 20 April 2025 | 942.24 | 57.76 | 13.0 | 0.0 | 0.0 | 70.76 | 70.76 | 0.0 | 70.76 | 0.0 |
| 2 | 15 | 01 May 2025 | 01 May 2025 | 871.48 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 | 70.76 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 16 May 2025 | | 810.31 | 61.17 | 9.59 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 4 | 15 | 31 May 2025 | | 751.7 | 58.61 | 12.15 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 5 | 15 | 15 June 2025 | | 692.22 | 59.48 | 11.28 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 6 | 15 | 30 June 2025 | | 631.84 | 60.38 | 10.38 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 7 | 15 | 15 July 2025 | | 570.56 | 61.28 | 9.48 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 8 | 15 | 30 July 2025 | | 508.36 | 62.2 | 8.56 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 9 | 15 | 14 August 2025 | | 445.23 | 63.13 | 7.63 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 10 | 15 | 29 August 2025 | | 381.15 | 64.08 | 6.68 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 11 | 15 | 13 September 2025 | | 316.11 | 65.04 | 5.72 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 12 | 15 | 28 September 2025 | | 250.09 | 66.02 | 4.74 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 13 | 15 | 13 October 2025 | | 183.08 | 67.01 | 3.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 14 | 15 | 28 October 2025 | | 115.07 | 68.01 | 2.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 15 | 15 | 12 November 2025 | | 46.04 | 69.03 | 1.73 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
| 16 | 15 | 27 November 2025 | | 0.0 | 46.04 | 0.69 | 0.0 | 0.0 | 46.73 | 0.0 | 0.0 | 0.0 | 46.73 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 108.13 | 0.0 | 0.0 | 1108.13 | 141.52 | 0.0 | 70.76 | 966.61 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2025 | Repayment | 70.76 | 57.76 | 13.0 | 0.0 | 0.0 | 942.24 | false | false |
| 01 May 2025 | Repayment | 70.76 | 70.76 | 0.0 | 0.0 | 0.0 | 871.48 | false | false |
| 06 May 2025 | Accrual | 0.87 | 0.0 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
| 07 May 2025 | Accrual | 0.87 | 0.0 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
| 08 May 2025 | Accrual | 0.87 | 0.0 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
| 09 May 2025 | Accrual | 0.88 | 0.0 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3626
Scenario: Verify charge with repayment, payout refund and CBR in the middle of interest pause period - UC3
When Admin sets the business date to "01 April 2025"
When 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_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 April 2025 | 1000 | 27 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
When Admin sets the business date to "20 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 834.21 | 165.79 | 14.25 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 2 | 31 | 01 June 2025 | | 672.94 | 161.27 | 18.77 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 3 | 30 | 01 July 2025 | | 508.04 | 164.9 | 15.14 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 4 | 31 | 01 August 2025 | | 339.43 | 168.61 | 11.43 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 5 | 31 | 01 September 2025 | | 167.03 | 172.4 | 7.64 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 6 | 30 | 01 October 2025 | | 0.0 | 167.03 | 3.76 | 0.0 | 0.0 | 170.79 | 0.0 | 0.0 | 0.0 | 170.79 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 70.99 | 0.0 | 0.0 | 1070.99 | 0.0 | 0.0 | 0.0 | 1070.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
And Admin adds "LOAN_NSF_FEE" due date charge with "20 April 2025" due date and 25 EUR transaction amount
When Admin sets the business date to "21 April 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "21 April 2025" with 800 EUR transaction amount
When Admin sets the business date to "22 April 2025"
And Admin runs inline COB job for Loan
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 April 2025" with 400 EUR transaction amount and self-generated Idempotency key
When Admin sets the business date to "23 April 2025"
And Admin runs inline COB job for Loan
And Admin makes Credit Balance Refund transaction on "23 April 2025" with 160.75 EUR transaction amount
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 21 April 2025 | 834.21 | 165.79 | 14.25 | 0.0 | 25.0 | 205.04 | 205.04 | 205.04 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | 21 April 2025 | 654.17 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
| 3 | 30 | 01 July 2025 | 21 April 2025 | 474.13 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
| 4 | 31 | 01 August 2025 | 21 April 2025 | 294.09 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
| 5 | 31 | 01 September 2025 | 22 April 2025 | 114.05 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
| 6 | 30 | 01 October 2025 | 22 April 2025 | 0.0 | 114.05 | 0.0 | 0.0 | 0.0 | 114.05 | 114.05 | 114.05 | 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 | 14.25 | 0.0 | 25.0 | 1039.25 | 1039.25 | 1039.25 | 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 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2025 | Accrual | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | false | false |
| 21 April 2025 | Repayment | 800.0 | 760.75 | 14.25 | 0.0 | 25.0 | 239.25 | false | false |
| 22 April 2025 | Payout Refund | 400.0 | 239.25 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 22 April 2025 | Accrual | 4.5 | 0.0 | 4.5 | 0.0 | 0.0 | 0.0 | false | false |
| 23 April 2025 | Credit Balance Refund | 160.75 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3627
Scenario: Verify repayment with reversed charge-off in the middle of interest pause period - UC4
When Admin sets the business date to "01 April 2025"
When 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_RECALCULATION_DAILY_ACCRUAL_ACTIVITY_POSTING | 01 April 2025 | 1000 | 17 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
When Admin sets the business date to "20 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 833.94 | 166.06 | 8.97 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 2 | 31 | 01 June 2025 | | 670.72 | 163.22 | 11.81 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 3 | 30 | 01 July 2025 | | 505.19 | 165.53 | 9.5 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 4 | 31 | 01 August 2025 | | 337.32 | 167.87 | 7.16 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 5 | 31 | 01 September 2025 | | 167.07 | 170.25 | 4.78 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 6 | 30 | 01 October 2025 | | 0.0 | 167.07 | 2.37 | 0.0 | 0.0 | 169.44 | 0.0 | 0.0 | 0.0 | 169.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 44.59 | 0.0 | 0.0 | 1044.59 | 0.0 | 0.0 | 0.0 | 1044.59 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 300 EUR transaction amount
When Admin sets the business date to "21 April 2025"
And Admin runs inline COB job for Loan
And Admin does charge-off the loan on "21 April 2025"
When Admin sets the business date to "22 April 2025"
And Admin runs inline COB job for Loan
And Admin does a charge-off undo the loan
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 20 April 2025 | 831.11 | 168.89 | 6.14 | 0.0 | 0.0 | 175.03 | 175.03 | 175.03 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | | 668.08 | 163.03 | 12.0 | 0.0 | 0.0 | 175.03 | 124.97 | 124.97 | 0.0 | 50.06 |
| 3 | 30 | 01 July 2025 | | 502.51 | 165.57 | 9.46 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 4 | 31 | 01 August 2025 | | 334.6 | 167.91 | 7.12 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 5 | 31 | 01 September 2025 | | 164.31 | 170.29 | 4.74 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
| 6 | 30 | 01 October 2025 | | 0.0 | 164.31 | 2.33 | 0.0 | 0.0 | 166.64 | 0.0 | 0.0 | 0.0 | 166.64 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 41.79 | 0.0 | 0.0 | 1041.79 | 300.0 | 300.0 | 0.0 | 741.79 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2025 | Repayment | 300.0 | 293.86 | 6.14 | 0.0 | 0.0 | 706.14 | false | false |
| 21 April 2025 | Charge-off | 741.79 | 706.14 | 35.65 | 0.0 | 0.0 | 0.0 | true | false |
| 26 April 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2025 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2025 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3628
Scenario: Verify MIR with backdated repayment in the middle of interest pause period - UC5
When Admin sets the business date to "01 April 2025"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL" loan product "MERCHANT_ISSUED_REFUND" transaction type to "LAST_INSTALLMENT" future installment allocation rule
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_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 April 2025 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
When Admin sets the business date to "20 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 749.98 | 250.02 | 5.15 | 0.0 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 |
| 2 | 31 | 01 June 2025 | | 501.12 | 248.86 | 6.31 | 0.0 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 |
| 3 | 30 | 01 July 2025 | | 250.03 | 251.09 | 4.08 | 0.0 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 |
| 4 | 31 | 01 August 2025 | | 0.0 | 250.03 | 2.1 | 0.0 | 0.0 | 252.13 | 0.0 | 0.0 | 0.0 | 252.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.64 | 0.0 | 0.0 | 1017.64 | 0.0 | 0.0 | 0.0 | 1017.64 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "20 April 2025" with 600 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "30 April 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "21 April 2025" with 350 EUR transaction amount
When Admin sets the business date to "1 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 21 April 2025 | 748.36 | 251.64 | 3.53 | 0.0 | 0.0 | 255.17 | 255.17 | 255.17 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | | 510.34 | 238.02 | 0.51 | 0.0 | 0.0 | 238.53 | 186.61 | 186.61 | 0.0 | 51.92 |
| 3 | 30 | 01 July 2025 | 20 April 2025 | 255.17 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 | 255.17 | 255.17 | 0.0 | 0.0 |
| 4 | 31 | 01 August 2025 | 20 April 2025 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 | 255.17 | 255.17 | 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 | 4.04 | 0.0 | 0.0 | 1004.04 | 952.12 | 952.12 | 0.0 | 51.92 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2025 | Merchant Issued Refund | 600.0 | 600.0 | 0.0 | 0.0 | 0.0 | 400.0 | false | false |
| 20 April 2025 | Interest Refund | 2.12 | 2.12 | 0.0 | 0.0 | 0.0 | 397.88 | false | false |
| 21 April 2025 | Repayment | 350.0 | 346.47 | 3.53 | 0.0 | 0.0 | 51.41 | false | false |
| 26 April 2025 | Accrual | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2025 | Accrual Adjustment | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3629
Scenario: Verify repayment with Goodwill Credit the middle of interest pause period for multidisbursal loan with downpayment - UC6
When Admin sets the business date to "01 April 2025"
When 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_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 April 2025 | 700 | 25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 150 | DAYS | 15 | DAYS | 10 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "700" amount and expected disbursement date on "01 April 2025"
And Admin successfully disburse the loan on "01 April 2025" with "700" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "10 April 2025" and end date "05 May 2025"
When Admin sets the business date to "12 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 11 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 April 2025 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 April 2025 | 01 April 2025 | 525.0 | 175.0 | 0.0 | 0.0 | 0.0 | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 April 2025 | | 472.36 | 52.64 | 2.92 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 3 | 15 | 01 May 2025 | | 416.8 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 4 | 15 | 16 May 2025 | | 364.42 | 52.38 | 3.18 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 5 | 15 | 31 May 2025 | | 312.66 | 51.76 | 3.8 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 6 | 15 | 15 June 2025 | | 260.36 | 52.3 | 3.26 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 7 | 15 | 30 June 2025 | | 207.51 | 52.85 | 2.71 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 8 | 15 | 15 July 2025 | | 154.11 | 53.4 | 2.16 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 9 | 15 | 30 July 2025 | | 100.16 | 53.95 | 1.61 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 10 | 15 | 14 August 2025 | | 45.64 | 54.52 | 1.04 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 11 | 15 | 29 August 2025 | | 0.0 | 45.64 | 0.48 | 0.0 | 0.0 | 46.12 | 0.0 | 0.0 | 0.0 | 46.12 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 700.0 | 21.16 | 0.0 | 0.0 | 721.16 | 175.0 | 0.0 | 0.0 | 546.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
| 01 April 2025 | Down Payment | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 | 525.0 | false | false |
| 02 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "12 April 2025" with 25 EUR transaction amount and self-generated Idempotency key
When Admin sets the business date to "30 April 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "30 April 2025" with 170 EUR transaction amount
When Admin sets the business date to "10 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 11 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 April 2025 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 April 2025 | 01 April 2025 | 525.0 | 175.0 | 0.0 | 0.0 | 0.0 | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 April 2025 | 30 April 2025 | 472.36 | 52.64 | 2.92 | 0.0 | 0.0 | 55.56 | 55.56 | 0.0 | 55.56 | 0.0 |
| 3 | 15 | 01 May 2025 | 30 April 2025 | 416.8 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 | 55.56 | 55.56 | 0.0 | 0.0 |
| 4 | 15 | 16 May 2025 | 30 April 2025 | 361.24 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 | 55.56 | 55.56 | 0.0 | 0.0 |
| 5 | 15 | 31 May 2025 | | 311.69 | 49.55 | 6.01 | 0.0 | 0.0 | 55.56 | 3.32 | 3.32 | 0.0 | 52.24 |
| 6 | 15 | 15 June 2025 | | 259.12 | 52.57 | 2.99 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 7 | 15 | 30 June 2025 | | 206.0 | 53.12 | 2.44 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 8 | 15 | 15 July 2025 | | 152.33 | 53.67 | 1.89 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 9 | 15 | 30 July 2025 | | 98.1 | 54.23 | 1.33 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 10 | 15 | 14 August 2025 | | 43.3 | 54.8 | 0.76 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
| 11 | 15 | 29 August 2025 | | 0.0 | 43.3 | 0.19 | 0.0 | 0.0 | 43.49 | 25.0 | 25.0 | 0.0 | 18.49 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 700.0 | 18.53 | 0.0 | 0.0 | 718.53 | 370.0 | 139.44 | 55.56 | 348.53 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
| 01 April 2025 | Down Payment | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 | 525.0 | false | false |
| 02 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Goodwill Credit | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 30 April 2025 | Repayment | 170.0 | 167.08 | 2.92 | 0.0 | 0.0 | 332.92 | false | false |
| 06 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 07 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 08 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 09 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3630
Scenario: Verify repayment with 2nd disbursement the middle of interest pause period for multidisbursal loan - UC7
When Admin sets the business date to "01 April 2025"
When 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_MULTIDISBURSE | 01 April 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "700" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
When Admin sets the business date to "20 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 584.04 | 115.96 | 12.19 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
| 2 | 31 | 01 June 2025 | | 471.95 | 112.09 | 16.06 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
| 3 | 30 | 01 July 2025 | | 356.78 | 115.17 | 12.98 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
| 4 | 31 | 01 August 2025 | | 238.44 | 118.34 | 9.81 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
| 5 | 31 | 01 September 2025 | | 116.85 | 121.59 | 6.56 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
| 6 | 30 | 01 October 2025 | | 0.0 | 116.85 | 3.21 | 0.0 | 0.0 | 120.06 | 0.0 | 0.0 | 0.0 | 120.06 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 700.0 | 60.81 | 0.0 | 0.0 | 760.81 | 0.0 | 0.0 | 0.0 | 760.81 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
| 02 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 170 EUR transaction amount
When Admin sets the business date to "22 April 2025"
And Admin runs inline COB job for Loan
When Admin successfully disburse the loan on "22 April 2025" with "300" EUR transaction amount
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 22 April 2025 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 832.32 | 167.68 | 12.95 | 0.0 | 0.0 | 180.63 | 128.15 | 128.15 | 0.0 | 52.48 |
| 2 | 31 | 01 June 2025 | | 673.43 | 158.89 | 21.74 | 0.0 | 0.0 | 180.63 | 41.85 | 41.85 | 0.0 | 138.78 |
| 3 | 30 | 01 July 2025 | | 511.32 | 162.11 | 18.52 | 0.0 | 0.0 | 180.63 | 0.0 | 0.0 | 0.0 | 180.63 |
| 4 | 31 | 01 August 2025 | | 344.75 | 166.57 | 14.06 | 0.0 | 0.0 | 180.63 | 0.0 | 0.0 | 0.0 | 180.63 |
| 5 | 31 | 01 September 2025 | | 173.6 | 171.15 | 9.48 | 0.0 | 0.0 | 180.63 | 0.0 | 0.0 | 0.0 | 180.63 |
| 6 | 30 | 01 October 2025 | | 0.0 | 173.6 | 4.77 | 0.0 | 0.0 | 178.37 | 0.0 | 0.0 | 0.0 | 178.37 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 81.52 | 0.0 | 0.0 | 1081.52 | 170.0 | 170.0 | 0.0 | 911.52 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
| 02 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2025 | Repayment | 170.0 | 161.66 | 8.34 | 0.0 | 0.0 | 538.34 | false | false |
| 22 April 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 838.34 | false | false |
| 26 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 27 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 28 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 29 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
| 30 April 2025 | Accrual | 0.76 | 0.0 | 0.76 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3631
Scenario: Verify charge with repayment, payout refund and CBR in the middle of interest pause period for loan with LAST_INSTALLMENT strategy - UC9
When Admin sets the business date to "01 April 2025"
When 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_IR_DAILY_TILL_REST_FREQUENCY_DATE_LAST_INSTALLMENT | 01 April 2025 | 1000 | 27 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
And Admin runs inline COB job for Loan
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
When Admin sets the business date to "20 April 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | | 834.21 | 165.79 | 14.25 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 2 | 31 | 01 June 2025 | | 672.94 | 161.27 | 18.77 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 3 | 30 | 01 July 2025 | | 508.04 | 164.9 | 15.14 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 4 | 31 | 01 August 2025 | | 339.43 | 168.61 | 11.43 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 5 | 31 | 01 September 2025 | | 167.03 | 172.4 | 7.64 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
| 6 | 30 | 01 October 2025 | | 0.0 | 167.03 | 3.76 | 0.0 | 0.0 | 170.79 | 0.0 | 0.0 | 0.0 | 170.79 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 70.99 | 0.0 | 0.0 | 1070.99 | 0.0 | 0.0 | 0.0 | 1070.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
And Admin adds "LOAN_NSF_FEE" due date charge with "20 April 2025" due date and 25 EUR transaction amount
When Admin sets the business date to "21 April 2025"
And Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "21 April 2025" with 800 EUR transaction amount
When Admin sets the business date to "22 April 2025"
And Admin runs inline COB job for Loan
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 April 2025" with 400 EUR transaction amount and self-generated Idempotency key
When Admin sets the business date to "23 April 2025"
And Admin runs inline COB job for Loan
And Admin makes Credit Balance Refund transaction on "23 April 2025" with 160.75 EUR transaction amount
When Admin sets the business date to "01 May 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 May 2025 | 22 April 2025 | 830.61 | 169.39 | 10.65 | 0.0 | 25.0 | 205.04 | 205.04 | 205.04 | 0.0 | 0.0 |
| 2 | 31 | 01 June 2025 | 22 April 2025 | 720.14 | 110.47 | 0.0 | 0.0 | 0.0 | 110.47 | 110.47 | 110.47 | 0.0 | 0.0 |
| 3 | 30 | 01 July 2025 | 21 April 2025 | 540.1 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
| 4 | 31 | 01 August 2025 | 21 April 2025 | 360.06 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
| 5 | 31 | 01 September 2025 | 21 April 2025 | 180.02 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
| 6 | 30 | 01 October 2025 | 21 April 2025 | 0.0 | 180.02 | 0.0 | 0.0 | 0.0 | 180.02 | 180.02 | 180.02 | 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 | 10.65 | 0.0 | 25.0 | 1035.65 | 1035.65 | 1035.65 | 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 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2025 | Accrual | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | false | false |
| 21 April 2025 | Repayment | 800.0 | 800.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
| 22 April 2025 | Payout Refund | 400.0 | 200.0 | 10.65 | 0.0 | 25.0 | 0.0 | false | false |
| 22 April 2025 | Accrual | 0.9 | 0.0 | 0.9 | 0.0 | 0.0 | 0.0 | false | false |
| 23 April 2025 | Credit Balance Refund | 160.75 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"