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FINERACT-2311: Added e2e tests for validation of backend part of buy down fees

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This commit is contained in:
Rustam Zeinalov
2025-06-24 15:06:54 +02:00
committed by Adam Saghy
parent 1b1d6be956
commit dc3ead4f80
7 changed files with 265 additions and 0 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+1
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@@ -124,6 +124,7 @@ public enum DefaultLoanProduct implements LoanProduct {
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, //
LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_CAPITALIZED_INCOME, //
LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_FEE, //
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/factory/LoanProductsRequestFactory.java
+114
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@@ -1640,4 +1640,118 @@ public class LoanProductsRequestFactory {
.incomeFromCapitalizationAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_INCOME));//
}
public PostLoanProductsRequest defaultLoanProductsRequestLP2BuyDownFees() {
final String name = Utils.randomNameGenerator(NAME_PREFIX_LP2, 4);
final String shortName = Utils.randomNameGenerator(SHORT_NAME_PREFIX, 3);
final List<Integer> principalVariationsForBorrowerCycle = new ArrayList<>();
final List<Integer> numberOfRepaymentVariationsForBorrowerCycle = new ArrayList<>();
final List<Integer> interestRateVariationsForBorrowerCycle = new ArrayList<>();
final List<LoanProductChargeData> charges = new ArrayList<>();
final List<LoanProductChargeToGLAccountMapper> penaltyToIncomeAccountMappings = new ArrayList<>();
final List<LoanProductChargeToGLAccountMapper> feeToIncomeAccountMappings = new ArrayList<>();
final List<GetLoanPaymentChannelToFundSourceMappings> paymentChannelToFundSourceMappings = new ArrayList<>();
final GetLoanPaymentChannelToFundSourceMappings loanPaymentChannelToFundSourceMappings = new GetLoanPaymentChannelToFundSourceMappings();
loanPaymentChannelToFundSourceMappings.fundSourceAccountId(accountTypeResolver.resolve(DefaultAccountType.FUND_RECEIVABLES));
loanPaymentChannelToFundSourceMappings.paymentTypeId(paymentTypeResolver.resolve(DefaultPaymentType.MONEY_TRANSFER));
paymentChannelToFundSourceMappings.add(loanPaymentChannelToFundSourceMappings);
return new PostLoanProductsRequest()//
.name(name)//
.shortName(shortName)//
.description(DESCRIPTION_LP2)//
.enableDownPayment(true)//
.enableAutoRepaymentForDownPayment(true)//
.disbursedAmountPercentageForDownPayment(new BigDecimal(25))//
.fundId(FUND_ID)//
.startDate(null)//
.closeDate(null)//
.includeInBorrowerCycle(false)//
.currencyCode(CURRENCY_CODE)//
.digitsAfterDecimal(2)//
.inMultiplesOf(0)//
.installmentAmountInMultiplesOf(1)//
.useBorrowerCycle(false)//
.minPrincipal(100.0)//
.principal(1000.0)//
.maxPrincipal(10000.0)//
.minNumberOfRepayments(1)//
.numberOfRepayments(3)//
.maxNumberOfRepayments(30)//
.isLinkedToFloatingInterestRates(false)//
.minInterestRatePerPeriod((double) 0)//
.interestRatePerPeriod((double) 7)//
.maxInterestRatePerPeriod((double) 60)//
.interestRateFrequencyType(INTEREST_RATE_FREQUENCY_TYPE_MONTH)//
.repaymentEvery(15)//
.repaymentFrequencyType(REPAYMENT_FREQUENCY_TYPE_DAYS)//
.principalVariationsForBorrowerCycle(principalVariationsForBorrowerCycle)//
.numberOfRepaymentVariationsForBorrowerCycle(numberOfRepaymentVariationsForBorrowerCycle)//
.interestRateVariationsForBorrowerCycle(interestRateVariationsForBorrowerCycle)//
.amortizationType(AMORTIZATION_TYPE)//
.interestType(INTEREST_TYPE_DECLINING_BALANCE)//
.isEqualAmortization(false)//
.interestCalculationPeriodType(INTEREST_CALCULATION_PERIOD_TYPE_SAME_AS_REPAYMENT)//
.transactionProcessingStrategyCode(TRANSACTION_PROCESSING_STRATEGY_CODE)//
.daysInYearType(360)//
.daysInMonthType(30)//
.canDefineInstallmentAmount(true)//
.graceOnArrearsAgeing(3)//
.overdueDaysForNPA(179)//
.accountMovesOutOfNPAOnlyOnArrearsCompletion(false)//
.principalThresholdForLastInstallment(50)//
.allowVariableInstallments(false)//
.canUseForTopup(false)//
.isInterestRecalculationEnabled(false)//
.holdGuaranteeFunds(false)//
.multiDisburseLoan(true)//
.allowAttributeOverrides(new AllowAttributeOverrides()//
.amortizationType(true)//
.interestType(true)//
.transactionProcessingStrategyCode(true)//
.interestCalculationPeriodType(true)//
.inArrearsTolerance(true)//
.repaymentEvery(true)//
.graceOnPrincipalAndInterestPayment(true)//
.graceOnArrearsAgeing(true))//
.allowPartialPeriodInterestCalcualtion(true)//
.maxTrancheCount(10)//
.outstandingLoanBalance(10000.0)//
.charges(charges)//
.accountingRule(LOAN_ACCOUNTING_RULE)//
.fundSourceAccountId(accountTypeResolver.resolve(DefaultAccountType.SUSPENSE_CLEARING_ACCOUNT))//
.loanPortfolioAccountId(accountTypeResolver.resolve(DefaultAccountType.LOANS_RECEIVABLE))//
.transfersInSuspenseAccountId(accountTypeResolver.resolve(DefaultAccountType.TRANSFER_IN_SUSPENSE_ACCOUNT))//
.interestOnLoanAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_INCOME))//
.incomeFromFeeAccountId(accountTypeResolver.resolve(DefaultAccountType.FEE_INCOME))//
.incomeFromPenaltyAccountId(accountTypeResolver.resolve(DefaultAccountType.FEE_INCOME))//
.incomeFromRecoveryAccountId(accountTypeResolver.resolve(DefaultAccountType.RECOVERIES))//
.writeOffAccountId(accountTypeResolver.resolve(DefaultAccountType.WRITTEN_OFF))//
.overpaymentLiabilityAccountId(accountTypeResolver.resolve(DefaultAccountType.OVERPAYMENT_ACCOUNT))//
.receivableInterestAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_FEE_RECEIVABLE))//
.receivableFeeAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_FEE_RECEIVABLE))//
.receivablePenaltyAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_FEE_RECEIVABLE))//
.dateFormat(DATE_FORMAT)//
.locale(LOCALE_EN)//
.disallowExpectedDisbursements(true)//
.allowApprovedDisbursedAmountsOverApplied(true)//
.overAppliedCalculationType(OVER_APPLIED_CALCULATION_TYPE)//
.overAppliedNumber(OVER_APPLIED_NUMBER)//
.delinquencyBucketId(DELINQUENCY_BUCKET_ID.longValue())//
.goodwillCreditAccountId(accountTypeResolver.resolve(DefaultAccountType.GOODWILL_EXPENSE_ACCOUNT))//
.incomeFromGoodwillCreditInterestAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_INCOME_CHARGE_OFF))//
.incomeFromGoodwillCreditFeesAccountId(accountTypeResolver.resolve(DefaultAccountType.FEE_CHARGE_OFF))//
.incomeFromGoodwillCreditPenaltyAccountId(accountTypeResolver.resolve(DefaultAccountType.FEE_CHARGE_OFF))//
.paymentChannelToFundSourceMappings(paymentChannelToFundSourceMappings)//
.penaltyToIncomeAccountMappings(penaltyToIncomeAccountMappings)//
.feeToIncomeAccountMappings(feeToIncomeAccountMappings)//
.incomeFromChargeOffInterestAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_INCOME_CHARGE_OFF))//
.incomeFromChargeOffFeesAccountId(accountTypeResolver.resolve(DefaultAccountType.FEE_CHARGE_OFF))//
.chargeOffExpenseAccountId(accountTypeResolver.resolve(DefaultAccountType.CREDIT_LOSS_BAD_DEBT))//
.chargeOffFraudExpenseAccountId(accountTypeResolver.resolve(DefaultAccountType.CREDIT_LOSS_BAD_DEBT_FRAUD))//
.incomeFromChargeOffPenaltyAccountId(accountTypeResolver.resolve(DefaultAccountType.FEE_CHARGE_OFF))//
.buyDownFeeStrategy(PostLoanProductsRequest.BuyDownFeeStrategyEnum.EQUAL_AMORTIZATION)//
.buyDownFeeCalculationType(PostLoanProductsRequest.BuyDownFeeCalculationTypeEnum.FLAT)//
.buyDownFeeIncomeType(PostLoanProductsRequest.BuyDownFeeIncomeTypeEnum.INTEREST)//
.enableBuyDownFee(true);//
}
}
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/factory/LoanRequestFactory.java
+5
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@@ -309,6 +309,11 @@ public class LoanRequestFactory {
return new PostLoansLoanIdRequest().note("Contract Termination Undo");
}
public static PostLoansLoanIdTransactionsRequest defaultBuyDownFeeIncomeRequest() {
return new PostLoansLoanIdTransactionsRequest().transactionDate(DEFAULT_TRANSACTION_DATE).dateFormat(DATE_FORMAT)
.locale(DEFAULT_LOCALE).note("Buy Down fee");
}
public static PostLoansLoanIdRequest defaultLoanContractTerminationRequest() {
return new PostLoansLoanIdRequest().dateFormat(DATE_FORMAT).locale(DEFAULT_LOCALE).note("Contract Termination");
}
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+17
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@@ -2936,6 +2936,23 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_APPROVED_OVER_APPLIED_FLAT_CAPITALIZED_INCOME,
responseLoanProductsRequestLP2ProgressiveAdvPymnt36030InterestRecalcApprovedOverAppliedFlatCapitalizedIncome);
// LP2 with progressive loan schedule + horizontal + interest EMI + 360/30
// + interest recalculation=false, buy down fees enabled
final String name114 = DefaultLoanProduct.LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES.getName();
final PostLoanProductsRequest loanProductsRequestLP2ProgressiveAdvPaymentBuyDownFees = loanProductsRequestFactory
.defaultLoanProductsRequestLP2BuyDownFees()//
.name(name114)//
.transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION.getValue())//
.loanScheduleType("PROGRESSIVE") //
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT")));//
final Response<PostLoanProductsResponse> responseLoanProductsRequestLP2ProgressiveAdvPaymentBuyDownFees = loanProductsApi
.createLoanProduct(loanProductsRequestLP2ProgressiveAdvPaymentBuyDownFees).execute();
TestContext.INSTANCE.set(TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES,
responseLoanProductsRequestLP2ProgressiveAdvPaymentBuyDownFees);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
+26
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@@ -4283,6 +4283,23 @@ public class LoanStepDef extends AbstractStepDef {
return capitalizedIncomeResponse;
}
public Response<PostLoansLoanIdTransactionsResponse> addBuyDownFeeToTheLoanOnWithEURTransactionAmount(
final String transactionPaymentType, final String transactionDate, final String amount) throws IOException {
final Response<PostLoansResponse> loanResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
final long loanId = loanResponse.body().getLoanId();
final DefaultPaymentType paymentType = DefaultPaymentType.valueOf(transactionPaymentType);
final Long paymentTypeValue = paymentTypeResolver.resolve(paymentType);
final PostLoansLoanIdTransactionsRequest buyDownFeeRequest = LoanRequestFactory.defaultBuyDownFeeIncomeRequest()
.transactionDate(transactionDate).transactionAmount(Double.valueOf(amount)).paymentTypeId(paymentTypeValue)
.externalId("EXT-BUY-DOWN-FEES" + UUID.randomUUID());
final Response<PostLoansLoanIdTransactionsResponse> buyDownFeeResponse = loanTransactionsApi
.executeLoanTransaction(loanId, buyDownFeeRequest, "buyDownFee").execute();
return buyDownFeeResponse;
}
@And("Admin adds capitalized income with {string} payment type to the loan on {string} with {string} EUR transaction amount")
public void adminAddsCapitalizedIncomeToTheLoanOnWithEURTransactionAmount(final String transactionPaymentType,
final String transactionDate, final String amount) throws IOException {
@@ -4292,6 +4309,15 @@ public class LoanStepDef extends AbstractStepDef {
ErrorHelper.checkSuccessfulApiCall(capitalizedIncomeResponse);
}
@And("Admin adds buy down fee with {string} payment type to the loan on {string} with {string} EUR transaction amount")
public void adminAddsBuyDownFeesToTheLoanOnWithEURTransactionAmount(final String transactionPaymentType, final String transactionDate,
final String amount) throws IOException {
final Response<PostLoansLoanIdTransactionsResponse> buyDownFeesIncomeResponse = addBuyDownFeeToTheLoanOnWithEURTransactionAmount(
transactionPaymentType, transactionDate, amount);
testContext().set(TestContextKey.LOAN_BUY_DOWN_FEE_RESPONSE, buyDownFeesIncomeResponse);
ErrorHelper.checkSuccessfulApiCall(buyDownFeesIncomeResponse);
}
public Response<PostLoansLoanIdTransactionsResponse> adjustCapitalizedIncome(final String transactionPaymentType,
final String transactionDate, final String amount, final Long transactionId) throws IOException {
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+2
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@@ -149,6 +149,7 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE = "loanProductCreateResponseLP2AdvancedPaymentInterestRecalculationDailyEmi36030Multidisburse";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CASH_ACCOUNTING_DISBURSEMENT_CHARGES = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyCashBasedDisbursementCharge";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_CAPITALIZED_INCOME = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentCapitalizedIncome";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_BUYDOWN_FEES = "loanProductCreateResponseLP2ProgressiveAdvancedPaymentBuyDownFees";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyCapitalizedIncomeAdjCustomAlloc";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyMultidisbursalApprovedOVerAppliedPercentageCapitalizedIncome";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_FLAT_CAPITALIZED_INCOME = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyMultidisbursalApprovedOVerAppliedFlatCapitalizedIncome";
@@ -223,6 +224,7 @@ public abstract class TestContextKey {
public static final String LOAN_DELINQUENCY_ACTION_RESPONSE = "loanDelinquencyActionResponse";
public static final String LOAN_TRANSACTION_RESPONSE = "loanTransactionResponse";
public static final String LOAN_CAPITALIZED_INCOME_RESPONSE = "loanCapitalizedIncomeResponse";
public static final String LOAN_BUY_DOWN_FEE_RESPONSE = "loanCapitalizedBuyDownFeeResponse";
public static final String LOAN_DISBURSEMENT_DETAIL_RESPONSE = "loanDisbursementDetailResponse";
public static final String LOAN_CAPITALIZED_INCOME_AMORTIZATION_ID = "loanCapitalizedIncomeAmortizationId";
public static final String LOAN_CAPITALIZED_INCOME_ADJUSTMENT_RESPONSE = "loanCapitalizedIncomeAdjustmentResponse";
fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature
+100
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@@ -0,0 +1,100 @@
@BuyDownFeeFeature
Feature:Feature: Buy Down Fees
#TODO Waiting for the implementation of the feature PS-2569
@Skip
@TestRailId:C3770
Scenario: Simple loan with Buy Down fees and full payment - UC1
When Admin sets the business date to "1 January 2024"
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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.20 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEES" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 51001 | BuyDown Expense | 50.0 | |
| LIABILITY | 22001 | Deferred Income | | 50.0 |
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
When Admin sets the business date to "1 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
When Admin sets the business date to "1 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.72 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.20 | 0.0 | 0.0 | 0.0 | false |
#TODO Waiting for the implementation of the feature PS-2569
#TODO test should be extended with checks for repayment schedule and transactions list after implementation of PS-2572
@Skip
@TestRailId:C3771
Scenario: Loan with Buy Down fees and early payoff - UC2
When Admin sets the business date to "1 January 2024"
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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 100.58 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 15 January 2024 | Repayment | 100.58 | 100.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
#TODO Waiting for the implementation of the feature PS-2569
#TODO test should be extended with checks for repayment schedule and transactions list after implementation of PS-2572
@Skip
@TestRailId:C3772
Scenario: Loan with Buy Down fees and charge-off - UC3
When Admin sets the business date to "1 January 2024"
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 |
| LP_PROGRESSIVE_BUYDOWN_FEES_ENABLED | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "1 May 2024"
And Admin does charge-off the loan on "1 May 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "1 May 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 May 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 61002 | Credit Loss-Bad Debt | 101.17 | |
| ASSET | 12002 | Loans Receivable | | 100.0 |
| ASSET | 12003 | Interest Receivable | | 1.17 |