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FINERACT-2553: added e2e test covering case with backdated repayment covers remaining balance after charge-off

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Rustam Zeinalov
2025-06-05 14:58:20 +02:00
committed by Adam Saghy
parent 71a4d08849
commit dc267a2a1a
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fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
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@@ -9484,4 +9484,110 @@ Feature: Charge-off
| 13 April 2025 | Repayment | 500.0 | 496.84 | 3.16 | 0.0 | 0.0 | 3.16 | false | false |
| 13 April 2025 | Merchant Issued Refund | 500.0 | 3.16 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 3.26 | 0.0 | 3.26 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3719
Scenario: Verify correct schedule reconstruction when backdated repayment covers remaining balance after charge-off with interest recalculation
Given Global configuration "is-principal-compounding-disabled-for-overdue-loans" is enabled
When Admin sets the business date to "06 January 2025"
And Admin creates a client with random data
And 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 06 January 2025 | 5000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "06 January 2025" with "5000" amount and expected disbursement date on "06 January 2025"
And Admin successfully disburse the loan on "06 January 2025" with "5000" EUR transaction amount
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 |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 2 | 28 | 06 March 2025 | | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 3 | 31 | 06 April 2025 | | 2521.82 | 830.87 | 19.56 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 4 | 30 | 06 May 2025 | | 1686.1 | 835.72 | 14.71 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 5 | 31 | 06 June 2025 | | 845.51 | 840.59 | 9.84 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 6 | 30 | 06 July 2025 | | 0.0 | 845.51 | 4.93 | 0.0 | 0.0 | 850.44 | 0.0 | 0.0 | 0.0 | 850.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 102.59 | 0.0 | 0.0 | 5102.59 | 0.0 | 0.0 | 0.0 | 5102.59 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
When Admin sets the business date to "06 February 2025"
And Customer makes "AUTOPAY" repayment on "06 February 2025" with 850.43 EUR transaction amount
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 |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 3 | 31 | 06 April 2025 | | 2521.82 | 830.87 | 19.56 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 4 | 30 | 06 May 2025 | | 1686.1 | 835.72 | 14.71 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 5 | 31 | 06 June 2025 | | 845.51 | 840.59 | 9.84 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 6 | 30 | 06 July 2025 | | 0.0 | 845.51 | 4.93 | 0.0 | 0.0 | 850.44 | 0.0 | 0.0 | 0.0 | 850.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 102.59 | 0.0 | 0.0 | 5102.59 | 850.43 | 0.0 | 0.0 | 4252.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
When Admin sets the business date to "06 March 2025"
And Customer makes "AUTOPAY" repayment on "06 March 2025" with 850.43 EUR transaction amount
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 |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | 06 March 2025 | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 06 April 2025 | | 2521.82 | 830.87 | 19.56 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 4 | 30 | 06 May 2025 | | 1686.1 | 835.72 | 14.71 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 5 | 31 | 06 June 2025 | | 845.51 | 840.59 | 9.84 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 6 | 30 | 06 July 2025 | | 0.0 | 845.51 | 4.93 | 0.0 | 0.0 | 850.44 | 0.0 | 0.0 | 0.0 | 850.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 102.59 | 0.0 | 0.0 | 5102.59 | 1700.86| 0.0 | 0.0 | 3401.73 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
| 06 March 2025 | Repayment | 850.43 | 826.05 | 24.38 | 0.0 | 0.0 | 3352.69 | false | false |
# Charge-off on 01 April 2025 (accelerated maturity)
When Admin sets the business date to "01 April 2025"
And Admin does charge-off the loan on "01 April 2025"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | 06 March 2025 | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 3 | 26 | 01 April 2025 | | 0.0 | 3352.69 | 16.4 | 0.0 | 0.0 | 3369.09 | 0.0 | 0.0 | 0.0 | 3369.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 69.95 | 0.0 | 0.0 | 5069.95 | 1700.86| 0.0 | 0.0 | 3369.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
| 06 March 2025 | Repayment | 850.43 | 826.05 | 24.38 | 0.0 | 0.0 | 3352.69 | false | false |
| 01 April 2025 | Accrual | 69.95 | 0.0 | 69.95 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Charge-off | 3369.09 | 3352.69 | 16.4 | 0.0 | 0.0 | 0.0 | false | false |
# BUG TRIGGER: Full backdated repayment after charge-off
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 March 2025" with 3358.37 EUR transaction amount and system-generated Idempotency key
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 |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | 06 March 2025 | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 06 April 2025 | 15 March 2025 | 2507.94 | 844.75 | 5.68 | 0.0 | 0.0 | 850.43 | 850.43 | 850.43 | 0.0 | 0.0 |
| 4 | 30 | 06 May 2025 | 15 March 2025 | 1657.51 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 | 850.43 | 850.43 | 0.0 | 0.0 |
| 5 | 31 | 06 June 2025 | 15 March 2025 | 807.08 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 | 850.43 | 850.43 | 0.0 | 0.0 |
| 6 | 30 | 06 July 2025 | 15 March 2025 | 0.0 | 807.08 | 0.0 | 0.0 | 0.0 | 807.08 | 807.08 | 807.08 | 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 |
| 5000.0 | 59.23 | 0.0 | 0.0 | 5059.23 | 5059.23 | 3358.37 | 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 |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
| 06 March 2025 | Repayment | 850.43 | 826.05 | 24.38 | 0.0 | 0.0 | 3352.69 | false | false |
| 15 March 2025 | Repayment | 3358.37 | 3352.69 | 5.68 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Accrual | 69.95 | 0.0 | 69.95 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Accrual Adjustment | 10.72 | 0.0 | 10.72 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled